Sell house with liens Las Vegas · Cash buyer since 2006

Your Las Vegas Home Has a Lien. You Can Still Sell.

Tax liens, mechanic's liens, judgment liens, HOA liens. A lien on the property does not prevent a sale - it gets resolved at closing. Progressive REI buys Las Vegas homes with liens, works with the title company to clear them, and closes on your schedule.

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How liens work in a sale

A lien is not the end of the road. It is a line item at closing.

Many sellers with liens on their property believe the lien prevents them from selling. That is a misunderstanding. A lien does not prevent a sale - it attaches to the property and must be satisfied before clear title can transfer to the buyer. In a standard sale, liens are paid off from the sale proceeds at closing through the title company.

If the sale proceeds cover the lien balance, the lien is paid at closing and clear title transfers to Mickey. If the lien balance is larger than what the sale would net you, that is a different situation that may require negotiation with the lien holder - but it is still not necessarily a dead end.

Mickey has bought Las Vegas properties with various types of liens. He works with the title company to understand what is owed, how it affects the net proceeds, and whether a sale makes sense. He is not an attorney and cannot give legal advice specific to your lien situation - but he can tell you quickly whether a cash sale is a viable path forward.

For legal advice on your specific lien situation, consult a Nevada real estate attorney.

Get my cash offer

How a lien sale works at closing

Mickey's cash offer $X

Minus mortgage payoff -$X

Minus lien payoff at closing -$X

Minus closing costs -$X

Net to you at closing $X

Mickey shows you the real math on the first call so you know exactly what you may net after all payoffs. Mickey works to avoid surprises at closing.

Types of liens we work with

Tell Mickey what type of lien you have.

Property tax liens

Unpaid property taxes result in a tax lien. Nevada has a right of redemption process. Property tax liens are paid at closing from sale proceeds. Mickey has worked through property tax lien situations many times.

IRS and federal tax liens

Federal tax liens attach to all property you own. They can be paid at closing or, in some cases, may require a Certificate of Discharge from the IRS before the sale can close. This adds time to the process but does not necessarily prevent a sale.

Mechanic's liens

Filed by contractors or subcontractors who were not paid for work on the property. Mechanic's liens are paid at closing from sale proceeds. Mickey buys properties with outstanding mechanic's liens regularly.

Judgment liens

A court judgment against you can attach to real property you own in Nevada. Judgment liens are paid at closing from proceeds. Mickey works with the title company to identify all judgment liens before closing.

HOA liens

Unpaid HOA dues and fines result in an HOA lien. These are common and straightforward to resolve at closing. The HOA payoff is included in the closing statement and the lien is discharged when paid.

Multiple liens

Some properties have more than one lien. Mickey works with the title company to identify and account for all liens before making an offer so the math is clear before you commit to anything.

How it works

Three steps to sell through the lien.

Tell Mickey about the lien

Leave your number, the property address, and what type of lien you have. The more information Mickey has upfront, the more accurate his offer will be. He aims to call you back the same day.

Get a cash offer with real math

Mickey reviews the property and works with the title company to identify all liens and payoffs. He presents a cash offer within 24 to 48 hours that accounts for the lien situation. You see the exact net before you decide anything.

Close and clear the lien

The title company pays the lien at closing from the sale proceeds. Clear title transfers to Mickey. You receive whatever net proceeds remain. The lien is discharged and it is behind you.

What Mickey promises

Four promises. Every lien sale. No exceptions.

We show you the real math before you decide anything.

Mickey works with the title company to identify every lien and payoff before making an offer. The offer you see is based on accurate numbers - what the property is worth, what is owed, and what you net. Mickey works to avoid surprises at closing.

Our offer does not change after you sign.

Our commitment is that the number in the purchase agreement is what we work to deliver at closing. Mickey does his homework on the lien situation before making an offer and stands behind it. At 1660 Capistrano Ave we did not walk the property the way we should have. When our crew opened the walls they found structural issues that ran the rehab nearly $80,000 over estimate. We closed on the date we promised and the seller received every dollar we agreed to. We took the loss. That is what privately funded means.

The title company handles the lien payoff. Not you.

You do not have to negotiate with lien holders or chase down payoff statements. The title company identifies all liens, obtains payoff amounts, and satisfies them at closing from the sale proceeds. You sign the closing documents and receive your net.

We close with private funds. No financing risk.

Lien situations already add complexity to a sale. A buyer whose financing falls through makes everything worse. Mickey buys with private funds. When the purchase agreement is signed, the money exists to close it.

Common questions

Sellers with liens ask us these.

Can I really sell with a lien on the property?

Yes, in most cases. A lien does not prevent a sale - it must be satisfied before clear title can transfer. In a cash sale, liens are typically paid from the sale proceeds at closing through the title company. If the sale proceeds are not enough to cover the lien, the situation is more complex and may require negotiation with the lien holder. Mickey will tell you on the first call whether a cash sale appears viable given your specific situation.

What if the lien is larger than the equity in the home?

If the liens plus the mortgage exceed what Mickey can offer for the property, a standard cash sale may not work. In that situation, there may be other options depending on the type of lien - some lien holders will negotiate a reduced payoff amount. Mickey is not an attorney and cannot advise you on lien negotiation, but he can tell you quickly whether the numbers work for a standard sale. If they do not, he will say so directly. Consult a Nevada real estate attorney for advice on your specific situation.

How does the lien get paid off?

The title company handles it. Before closing, the title company obtains a payoff statement from every lien holder. At closing, the lien payoffs come out of the sale proceeds before you receive your net. The lien holders sign a release, which is recorded along with the deed. Clear title transfers to Mickey and your lien obligation is discharged.

Will a lien slow down the closing?

It depends on the type of lien. Property tax liens, mechanic's liens, HOA liens, and judgment liens are typically resolved at closing with no significant delay. IRS federal tax liens can add time because they may require a Certificate of Discharge from the IRS before the sale can close. Mickey will tell you upfront what the realistic timeline looks like based on your specific lien type.

Do I need to hire an attorney to sell with a lien?

For straightforward liens that will be paid from sale proceeds, an attorney is not always required - the title company handles the payoff process. For more complex situations involving IRS liens, multiple liens, or liens that exceed the equity in the property, consulting a Nevada real estate attorney is a good idea. Mickey will give you his honest read on the complexity of your situation on the first call.

Will your offer change after I accept?

That is our commitment - the number in the purchase agreement is what we work to deliver at closing. At 1660 Capistrano Ave we did not walk the property the way we should have. When our crew opened the walls they found structural issues that ran the rehab nearly $80,000 over estimate. We closed on the date we promised and the seller received every dollar we agreed to. We took the loss. That is what privately funded means.