Can I Sell My House With a Lien in Arizona?

Selling a House With a Lien in Arizona

Yes, you can sell a house with a lien in Arizona - but the lien must be satisfied at closing. Here's everything you need to know about selling with liens on your property.

What is a Property Lien?

A lien is a legal claim against your property for a debt you owe. The lienholder has a right to be paid when the property sells. Until the lien is paid, you can't transfer clear title.

Common Types of Liens in Arizona

Mortgage Liens

The most common type. Your mortgage lender has a lien until you pay off the loan.

Tax Liens

Property tax liens - Unpaid property taxes

IRS tax liens - Unpaid federal taxes

State tax liens - Unpaid Arizona state taxes

Mechanic's Liens

Contractors, subcontractors, or suppliers who weren't paid for work on your property can file a lien.

Judgment Liens

If someone sues you and wins, they can place a lien on your property to collect the judgment.

HOA Liens

Unpaid homeowner association dues can result in a lien.

Child Support Liens

Unpaid child support can result in liens against your property.

How Liens Affect Your Sale

Traditional Sale with a Realtor

Title search reveals all liens

Liens must be paid at closing from proceeds

If liens exceed sale price, you need to bring money to closing

Buyers may be scared off by complicated title

Cash Sale

We're experienced with lien situations

We can work with lienholders to negotiate

We close quickly even with title issues

We may be able to help with underwater situations

Steps to Sell With Liens

1. Get a Title Search

A title company will search public records and identify all liens on your property. Cost: Usually $200-400.

2. Calculate Your Equity

Add up all liens and compare to your home's value:

Positive equity: Proceed with sale, liens paid at closing

Negative equity: May need short sale or to bring cash to closing

3. Contact Lienholders

Some liens can be negotiated:

IRS may accept payment plans

Judgment creditors may settle for less

Old mechanic's liens may be released

4. Choose Your Sale Method

If you have equity, any sale method works. If you're underwater or have complicated liens, a cash buyer with experience is your best bet.

Can You Remove a Lien Before Selling?

Some options:

Pay it off - If you have the funds

Negotiate a settlement - Many creditors accept less than owed

Dispute it - If the lien is invalid

Wait it out - Some liens expire (judgment liens last 5 years in Arizona)

How We Help With Lien Situations

At CASHHOMEBUYER.CO, we buy houses with:

Tax liens (property, IRS, state)

Judgment liens

Mechanic's liens

HOA liens

Multiple liens

We work with title companies daily and know how to navigate complicated situations. We'll give you a cash offer that accounts for liens, so you know exactly what you'll walk away with.

Get a free cash offer today - even if you have liens on your property.