Selling Your Home with a Lien? Trivanci LLC Can Help
If you’re a homeowner looking to sell a property with a lien — a legal claim on your property due to unpaid debts — the process can feel overwhelming. Liens can scare off potential buyers and complicate the sale. Fortunately, Trivanci LLC specializes in buying homes with liens, offering fast, cash solutions that save you the hassle of clearing the lien yourself or dealing with complex legal proceedings.
While it’s possible to sell a home with a lien through traditional methods, you’ll typically need to resolve the lien before selling. However, cash buyers like Trivanci LLC may be able to work around the lien, buying your property as-is and clearing it on your behalf.
What Are Property Liens?
Liens fall into two categories:
Voluntary Liens: These are agreed upon, such as a mortgage. They’re less problematic since they’re part of a planned financial agreement.
Involuntary Liens: These are placed on your property without your consent, typically due to unpaid debts, such as tax liens, HOA dues, or code violations. These can make selling your property more challenging.
For example, code violation fines can accrue daily, sometimes reaching $1,000 or more per day, until the issue is resolved. If this feels overwhelming, Trivanci LLC is here to help you navigate these challenges.
How to Sell Your Home with a Lien
Selling a home with a lien requires a clear understanding of your options. Here’s how you can manage the process:
1. Identify the Lien
Start by confirming whether your property has a lien. You can:
Check public records through the Florida Department of State or your county clerk’s office.
Search for unpaid property taxes on your county’s tax collector site.
Contact the IRS for federal tax liens.
Even if a lien has passed its statute of limitations, you’ll need to officially remove it from your records before selling.
2. Request the Lien Balance
Once you’ve identified the lien, request the balance from the lienholder. This ensures you have an accurate understanding of how much you owe and helps you determine your next steps.
3. Decide on Your Approach
Here are your options:
Pay Off the Lien in Full: If you can afford it, paying off the lien will clear your title, making the sale easier. Once the debt is paid, the lienholder has 60 days to issue a release of lien.
Negotiate or Apply for Lien Forgiveness: Some lienholders may offer payment plans, reductions, or forgiveness programs. For example, code violation fines can often be reduced if you resolve the underlying issue.
Sell to Trivanci LLC: We specialize in buying homes with liens, even if they haven’t been cleared. Our team handles the legal and financial aspects of the lien, allowing you to sell your home quickly and move on.
4. Verify the Lien Is Cleared
If you’ve paid off the lien, confirm its removal from public records. Check with the Florida Department of State, your county clerk’s office, or the IRS (for federal liens).
5. Sell Your Home
Once the lien is cleared or you’ve found a buyer willing to assume it, you can proceed with the sale. If you’re working with Trivanci LLC, we streamline this process, ensuring a fast and hassle-free closing.
Common Types of Property Liens
Liens can arise from various sources, including:
Mortgage Liens: These are voluntary liens that are typically resolved by paying off your mortgage at closing.
Code Violation Liens: Unresolved municipal code violations (e.g., overgrown lawns, trash accumulation) can lead to significant fines.
Utility Liens: Unpaid utility bills may result in liens, which some cities allow you to resolve through amnesty programs.
Tax Liens: Unpaid property or federal taxes can result in liens, which may lead to foreclosure if not resolved.
HOA Liens: Defaulting on HOA dues can result in a lien with a statute of limitations of five years.
Mechanic’s Liens: Contractors or subcontractors may place liens on your property for unpaid work.
Judgment Liens: Creditors can secure a lien against your property if you lose a lawsuit and fail to pay the judgment.
Regardless of the type, liens complicate traditional home sales. Trivanci LLC is equipped to handle properties with liens, making the process easier for you.
Why Sell Your Home with a Lien to Trivanci LLC?
When dealing with liens, traditional buyers may shy away, and the process of clearing the lien can be time-consuming and stressful. Trivanci LLC offers a better solution:
As-Is Purchases: We buy homes in any condition, even with liens, open permits, or other complications.
Fast Closings: We can close in as little as 7-14 days, helping you avoid mounting fines or additional complications.
No Fees or Commissions: You won’t pay realtor fees or closing costs.
Stress-Free Process: We handle the lien resolution, paperwork, and legal aspects, so you don’t have to.
How It Works
Step 1: Contact Us
Call us or fill out our online form with details about your property.
Step 2: Get a Fair Cash Offer
We’ll assess your home, including any liens, and provide you with a no-obligation cash offer.
Step 3: Close on Your Schedule
Once you accept our offer, we’ll handle the closing process. You’ll receive your funds via wire transfer or certified check, typically within 15-30 days.
Ready to Sell Your Home with a Lien?
If liens are holding you back from selling your property, let Trivanci LLC take the burden off your shoulders. We’ve helped countless homeowners in Florida navigate lien challenges and close quickly, even on properties with unresolved issues.
Contact us today for a no-obligation cash offer and move forward with confidence!
Property Address
609 2nd Street West Palm Beach FL, 33401
Phone
(561) 614-5386
Email
info@Trivanci.com