Aurora, Illinois · Back taxes and liens

Can I Sell My Aurora House With Back Taxes or Liens?

When you sell to us, we can set it up so you don't have to prepay anything — it comes out at closing.

Yes. USA Home Buyers buys houses as-is in Aurora, Illinois, for cash. We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us. Aurora’s city boundary crosses Kane, DuPage, Kendall, and Will Counties, so the property address determines which county records apply.

You can call before you have every record. Call 888-274-5006 or use the form to ask for a cash offer.

We give written cash offers in 24 hours.

Share the address and what you know about the lien, tax notice, or payoff.

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We'll give you a written cash offer within 24 hours.

How lien and back-tax payoffs work

A lien is a legal claim that may affect the property’s title or the money due at closing. A payoff is the current amount and instructions from the lender, creditor, or tax office to settle an obligation. The office or creditor confirms its own current figures; the title company checks ownership and recorded claims for the transaction.

When you sell to us, we pay the closing costs. Your liens are paid off from the sale at closing.

Mortgage balances, liens, back taxes, and your share of current property taxes are separate amounts in the closing figures. The closing-cost promise about transfer taxes does not pay those balances.

What records help — and when to call

Start with the Aurora property address; you can call before you have everything. If handy, keep the parcel number, latest tax bill or notice, lender payoff statement, lien or court papers, and any case number nearby. The address and parcel records help identify the county. A title company checks recorded claims, while the lender, creditor, or tax office named on a notice confirms its current amount and instructions.

Call 888-274-5006 or use the form above with what you have.

If the payoff is the problem

Think the payoff is more than the house is worth? Ask us — we've gotten lenders to come down before.

What happens next

  1. Talk through the Aurora address and what you know about the lien, tax notice, payoff, or timing. You do not need to solve the records before calling.
  2. We review the house as it stands and give you a written offer and written terms before you decide. We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us.
  3. If you choose to proceed, the title company checks ownership and recorded claims. The lender, creditor, or county tax office confirms current payoff or release instructions for its account.
  4. Review the closing figures, including the sale price, confirmed payoffs, taxes, and other applicable amounts, before the title-company closing.

Written offer and written terms before you commit; title-company closing.

Aurora lien, tax-sale, and transfer-tax offices

Aurora’s city boundary crosses Kane, DuPage, Kendall, and Will Counties. City, county, township, and State records are separate; confirm the parcel’s county and local jurisdiction from its address and parcel records before using a county office.

Property-tax sale or mortgage foreclosure?

A delinquent property-tax sale concerns unpaid property taxes and follows a county process. A lender mortgage foreclosure is a separate court case. They have different records and dates, so use the tax notice and county tax office for tax-account or tax-sale status; use the court and case papers for a mortgage foreclosure. Do not use a mortgage-foreclosure date to work out a tax-sale deadline.

Read the Aurora mortgage-foreclosure information →

Illinois state, county, and city transfer taxes

For a taxable transfer, Illinois charges 50 cents for each $500 of taxable value, or part of $500. A county can add 25 cents for each $500, and some cities impose their own transfer taxes. Exemptions and taxable value can change the amount; the property’s actual county and city determine which local taxes apply.

When you sell to us, we pay the closing costs, including the Illinois state, county and city transfer taxes.

The mortgage balance, liens, back taxes, and your share of current property taxes are separate from that closing-cost promise.

Kendall County court route

Use the courthouse directory for the county’s public circuit-court route. For recorded land records or a tax notice, first confirm the parcel’s county and use the office named in the property record or current notice.

Kendall County Courthouse directory

Compare possible net proceeds

Use the Aurora home-sale net proceeds calculator with your own estimates for value, mortgage payoff, liens or taxes, repairs, cleanout, carrying costs, and closing costs. Just an estimate — the actual number could be more or less depending on the home's condition. A calculator estimate is not a current payoff statement from a lender or tax office.

Open the Aurora home-sale net proceeds calculator →

Questions and contact

Call 888-274-5006 or use the form above with the address and information you have. You can start before every county or creditor detail is assembled.

Read the Aurora seller reviews and browse Aurora seller resources.

Aurora property liens and back-tax questions

Can I sell my Aurora house with back taxes or liens before paying them?

Yes. When you sell to us, we can set it up so you don't have to prepay anything — it comes out at closing. We buy houses as-is in Aurora, Illinois, for cash. We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us. When you sell to us, we pay the closing costs. Your liens are paid off from the sale at closing.

Who confirms the current lien or tax payoff?

The lender, creditor, or county tax office responsible for the notice confirms its current balance and payoff or release instructions. A title company checks ownership and recorded claims for the sale. An older bill or notice may identify the issue, but the responsible office or creditor confirms the current figures.

What records should I have when I call?

Start with the property address. If they are handy, have the parcel number, latest tax bill or notice, lender payoff statement, lien or court paper, and any case number nearby. You can call before you have every record.

Are an Illinois property-tax sale and mortgage foreclosure the same process?

No. A property-tax sale concerns unpaid property taxes and follows a county process; mortgage foreclosure is a separate lender case in court. They have different records and dates. Check the current tax notice with the county tax office named on it, and use the court or case papers for a mortgage foreclosure.

What transfer taxes apply when an Aurora house sells?

For a taxable transfer, Illinois charges 50 cents for each $500 of taxable value, or part of $500. A county can add 25 cents for each $500, and some cities impose their own transfer taxes. The property’s actual county and city, taxable value, and any exemption affect which taxes apply and the amount. When you sell to us, we pay the closing costs, including the Illinois state, county and city transfer taxes. Mortgage balances, liens, back taxes, and your share of current property taxes are separate.

What if the payoff is more than my Aurora house is worth?

Think the payoff is more than the house is worth? Ask us — we've gotten lenders to come down before.

What happens after I contact USA Home Buyers?

We talk through the property and the information you have, review the house as it stands, and provide a written offer and written terms before you decide. If you choose to proceed, the title company checks ownership and recorded claims while the lender, creditor, or tax office confirms its current payoff instructions. The confirmed figures are reviewed at closing.

What sellers say about USA Home Buyers

Talk through the property

Call 888-274-5006 or ask for an Aurora cash offer. Start with the address and the lien or tax notice you have.

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