"Everything was quick & Easy. We did the whole process in less than 2 weeks. Great Service!"

Benjamin Fleming

"Seamless, easy transaction. No hassle, no stress."

Vincent Sibisa

"It was so easy and painless...I recommend you to anyone"

Candace Cargo

"A very easy, quick, reliable process"

Stacie Lightell

"Easy Breezy! Everything Steve said it was, it was"

DeAundria Davis

"Very, very quick. I would recommend Steve to anybody who wants to sell their house As Is"

LaTanya Dandrige

"Easy & Painless. I thought it was going to be a process to sell my house but it wasn't"

Jessica Santos

"Easy! He came out to look at the property and then here we are at closing within a week."

Jarred Powell

How to sell a house with liens (even with negative equity)

We put together these Frequently Asked Questions about selling a house with liens, back taxes and mortgages. Feel free to give us a call if you have any other questions about how to sell your house with title issues and liens.

Can I sell a house with a mortgage or liens on it?

Yes you can sell a house with mortgages or liens on it. Traditionally these liens would be paid off at the closing using the funds from the purchase. There is some flexibility on this with certain liens being able to be “assumed” by the purchaser. Once you enter into a purchase agreement for your house then a title attorney will work to “clear title” to the property. This would involve getting payout figures from lien holders or cancelling old mortgages that are still on title. While these matters can be complicated the title attorney will do the heavy lifting. We have great title attorneys that we use and since we buy a lot of houses we have experience of working through complicated title issues. When you sell to us our title attorney and network will be able to guide you through this process.

What if my mortgage is higher than what the house is worth?

Negative equity can happen if your house has aged or the market has gone down. It does make it hard to sell because if you do a traditional sale you will need to pay the difference between what the house sold for and what you owed. There are options to get around this if you are dealing with a sophisticated investor like Home Buyer Louisiana (because let’s face it no one likes to pay somebody to take their property). If you are in this situation then we could facilitate a short sale with your bank, or buy the house above market rate by leaving the financing in place and taking over the mortgage payments. Every bodies situation is different and we have a lot of experience buying houses with negative equity so give us a call or fill out our contact form to see if we can help you out. 

Can I sell a house with a road home lien?

Yes you can, but the lien will need to be paid off at the closing or agreed to be assumed by the buyer. It is very likely that some (or all) of your road home loan would qualify to be forgiven. When we buy a house with a road home lien we get our title attorney to work with you to get the maximum amount of the loan forgiven so you keep more of the cash sale in your pocket. These liens are really common in New Orleans and we are very used to dealing with them when we buy houses.

Can I sell a house if somebody has bought my property tax debt?

If you haven’t paid your property taxes it is likely that someone paid them and has a lien on your property. As long as the house has not been foreclosed on yet then you are free to sell the property. You would need to pay the taxes and the interest at the closing which would come out of the sale proceeds. Our title attorney will pull the payout figure so we know what has to be paid to clear the title of the property. When you owe back taxes time is of the essence because in Louisiana the tax lien holder has the right to foreclose on your property after 3 year and take ownership (18 months if the property is vacant). Obviously you want to avoid the property being foreclosed and you can do this by paying the back taxes or selling the house before foreclosure.

Can I sell a house that has code enforcement liens?

Yes you can sell a house with code violation liens. The liens would have to be paid off at the closing. The title attorney would pay them directly from the proceeds of the sale. If your house is still not up to code it is up to the new buyer to fix the issues to avoid further code violations. Home Buyer Louisiana buys house with code violations all the time and is happy to buy them As-Is and take responsibility for getting them up to code. 

Can I sell my house if it has a contractors lien?

Yes you can sell your house with a contractor lien. This lien would need to be paid at the closing and you can use the proceeds of the sale to pay it. Our title attorney would get a payout figure as part of the process for clearing title.

Not sure if you can sell your house?

Give us a call and we would be happy to talk you through your options. We have bought houses in many different situations and have a strong network of title attorneys and real estate professionals to draw upon. We often find that people come to us having tried to sell their house through many mediums and think that they can’t find a solution. We love nothing more than showing people like this that they do have options. 

How The Process Works

1. Tell us about your house and we will give you an estimate of our cash offer

2. If our cash offer is something that will work for you we'll set up a quick appointment to view the property

3. We'll give you a written cash offer for your consideration

4. If you are happy, we close at a reputable title company, cash in your hands in as little as 7 days or a date that suits you

We can do step 1 through 3 within 48 hours so you will quickly know whether we are the right the solution for you

get started today

Why Sell Your House To Us?

Trustworthy

We are the group of local investors that help people with problem homes. We always treat you professionally and with respect.

We Pay Cash

We pay cash which means nothing is dependent on banks approval or slowed down by redtape

No Improvement Needed

We buy your house, as-is so you don't need to make repairs or clean the property

We Are Fast

We can close quickly, sometimes you can sell your house as fast as 7 days.

No Fees Or Commissions

You are dealing direct with the buyer so there are no realtor commissions or fees.

Get an obligation free offer

We buy houses in ANY CONDITION in Louisiana. There are no commissions or fees and no obligation whatsoever. Start below by giving us a bit of information about your property.

Or Give Us A Call Now At: 504-291-0817