Can't Get a Mortgage Because of the IRS
An IRS tax lien blocks mortgage approvals. But the IRS has procedures specifically designed to solve this.
The Problem
You want to buy a home or refinance, but the IRS has a federal tax lien on your record. Lenders won't approve a mortgage with an active IRS lien because the IRS claim has priority over new creditors.
The Solution
Lien subordination: the IRS agrees to let the new mortgage take priority. This lets you refinance or purchase while the lien remains. Lien withdrawal: the IRS removes the public notice entirely, typically if you enter a Direct Debit installment agreement. Either option requires an application with specific documentation and takes 30-45 days.
If an IRS lien is blocking your mortgage, let me start the application. Plan 6-8 weeks before your closing date.
Free consultation. I'll pull your transcripts, assess the damage, and give you a plan. 32 years of IRS experience.
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