Can You Sell a House With Liens?
Quick Answer
Yes, you can sell a house with liens. The liens are paid off at closing from your sale proceeds. The title company handles the payoff process. If liens exceed your equity, we can discuss options like negotiating with lien holders.
Common Types of Liens
Property Tax Liens
Unpaid property taxes become liens. Florida counties sell tax certificates after taxes are delinquent.
Mechanic's Liens
Filed by contractors or suppliers who weren't paid for work on your property.
HOA Liens
Unpaid homeowner association dues, fines, or special assessments.
Judgment Liens
Court judgments from lawsuits, credit card debt, or other legal matters.
How Liens Get Paid at Closing
When you sell, the title company runs a title search to identify all liens. At closing:
- 1. The title company calculates all lien payoff amounts
- 2. Liens are paid directly from sale proceeds before you receive funds
- 3. Lien releases are filed with the county
- 4. You receive the remaining balance
What If Liens Exceed Your Equity?
If you owe more in liens than the house is worth, options include:
- Negotiate with lien holders — Some will accept less than full payment
- Short sale — Your mortgage lender accepts less than owed
- Bring cash to closing — Pay the difference out of pocket
We work with title companies experienced in complex lien situations. If you're unsure whether you can sell, call (561) 258-9405 for a free consultation.