5 responses to “how does a tax lien effect you getting a mortgage loan?”

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  Rick K November 30th, 2009 at 22:52

  DOMINIQUE

  they normally need to be satisfied in order to get a loan

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  aylatroy2 December 4th, 2009 at 02:00

  GIOVANNI

  You would have what creditor’s concider “high risk” credit and your loan may have a higher interest rate because of it. Depending on how old the lien is, you can write to the IRS for a copy and go check your local county court house for a copy of the lein. It could be a “self releasing” type and can be removed from your credit report.

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  flamingojohn December 6th, 2009 at 05:26

  MAURICIO

  Any lien that could effect title of the home would be required to be paid off. It will really depend on the title company and if they pull up the lien against you when they do their search. Of course if it is already showing on your credit report then you will be stuck paying it off too.

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  loslunas87031 December 6th, 2009 at 16:35

  ALVARO

  maybe i am missing something here… but your noncollectable by the irs then how do you think you can qualify for a mortgage ?

  something is missing here, you have the money to put down but yet the irs knows nothing of it ? I would not announce that too loud on the internet they may just be watching….

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  staceyreyes01 December 9th, 2009 at 13:57

  ANTONY

  If the lender sees it you would not get the loan. Federal tax liens are serious and is a big low blow to your credit score. If you can’t afford 4 digits of debt, why should the bank give you 6?