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I just recieved an IRS notice of tax lien, and I am looking to refinance. Help!?!

by p_burke209 from Pomona, California. May 5th 2016 Reply


Marc Noddle (MNoddle)
#232 ranked lender in California - 8 contributions

Please give me a call to discuss what options you may have.Marc Noddle Senior Account ExecutiveIndividual NMLS #290322Athas Capital Group DBO #603 F869All Loans made in compliance with Federal, State and local laws. 877.877.1477 ext 242 Office818-914-3000 x242Mnoddle@athascapital.com26901 Agoura Rd. #250Calabasas Hills, CA 91301www.marcnoddle.comTwitter: @marcnoddle

May 5th 2016
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William J Acres (William_Acres)
#74 ranked lender in Arizona - 8,728 contributions

Until you deal with the lien, you will not get financing.. Conventional Lending guidelines will require you satisfy the lien, either before applying or from the proceeds of a cash out refinance, but the taxes must be paid.. for FHA, If you have a payment arrangement in place with the IRS and you have made at least 3 on time payments, then FHA will allow you to refinance, but you will need the IRS to re subordinating their lien.. so you must have their permission.. The problem with this is usually, the IRS will want to increase your tax payments by the amount you are saving monthly by refinancing.. So, your mortgage payment will be lower, but your IRS payment will increase and you will be paying off your IRS debt sooner.. I'm a Broker here in Scottsdale AZ and I only lend in Arizona. If you or someone you know is looking for financing options, feel free to contact me or pass along my information. William J. Acres, Lender411's number ONE lender in Arizona. 480-287-5714 WilliamAcres.com NMLS# 226347

May 5th 2016
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Karren Grieco (karrengrieco@yahoo.com)
#1166 ranked lender in California - 2 contributions

Feel Free to reach out for a consultation on your situation. 714-472-8818, Karren Grieco.

May 5th 2016
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Karren Grieco (karrengrieco@yahoo.com)
#1166 ranked lender in California - 2 contributions

Feel free to reach out to me for a consultation on your situation and we can see if we can help you. Karren Grieco 714-472-8818.

May 5th 2016
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Larry Gray (lgray_312_247)
#597 ranked lender in California - 1,139 contributions

I have explored this situation more than once in the recent past and have toagree with another very complete and concise answer from William Acres. I had not heard that the IRS will want to increase the amount you are paying monthly to them by the amount you save in the refinance, but it does make sense coming from the IRS! I utilize portfolio conventional lenders whom one may accept the pay plan from the IRS. Otherwise, for the typical lowest rate loans William's advice is sound.

May 5th 2016
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Only originate in Florida. Sorry

May 5th 2016
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Joe Metzler (JoeMetzler)
#17 ranked lender in Minnesota - 4,848 contributions

Better hurry up and deal with it than... A notice of tax lien and an actual tax lien are two different things. When refinancing, there will be a title search, and if the lien appears, you will need to deal with it, and there were already some good answers on possible ways to deal with it. If it never actually becomes a lien because you've dealt with it, then there would be no issue.

May 6th 2016
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