Billings, Montana · Yellowstone County

Can I Sell My Billings 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. We buy houses as-is in Billings and Yellowstone County, including houses with back taxes or liens. We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us. You can call about the property before you have every notice or balance in hand.

Call 888-274-5006 to talk through the house.

Start with the Billings property address

Share the address and what is going on with the lien or tax account. A notice, creditor letter, or payoff information is useful, but you can call before you have it all.

We give written cash offers in 24 hours.

Share the Billings address and what you know about the notice or payoff.

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

How lien and tax payoffs work

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

You don't need to pay off your back taxes before we settle. We buy houses with back taxes and liens — payoffs get handled through the closing, not by you upfront.

A lien is a claim that may affect the property or the money due at closing. A payoff is the current amount and instructions from the creditor or tax office. The title company checks ownership and recorded claims for the sale and works with the responsible creditor or office on current payoff or release information.

Our closing-cost payment does not pay your mortgage balance, liens, back taxes, or your share of current property taxes. Those are separate items in the sale figures.

Which records help, and where to check

Bring the property-tax bill or notice, creditor letter, payoff information, court or trustee notice, mortgage details, or parcel number you have. Start with the address if that is all you have. The office that holds the record can confirm its current balance or status; a title company checks the records and payoff instructions needed for the sale. You can call us before you have everything.

Open Yellowstone County's property-tax search ↗ for tax records, or search Yellowstone County recorded documents ↗.

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. 1. Talk through the address and the notice

    Tell us what you know about the property, the lien or tax account, and any date on a notice. You do not need every record before you call.

  2. 2. Review the house and written terms

    We review the house as it stands and put the offer and proposed terms in writing before you decide. Compare the sale price with the payoffs and other sale figures.

  3. 3. The title company checks ownership and payoffs

    The title company checks the records for the specific sale. The creditor or tax office confirms current payoff or release information, and the closing professionals confirm the figures that apply.

  4. 4. Review the figures and close

    You receive written offer terms before you commit, and the sale closes through a title company. The closing figures show the sale price, payoffs, taxes, costs, and amount left after those items.

Yellowstone County records and Montana sale facts

Property-tax records, recorded land documents, and mortgage notices answer different questions. A county property-tax sale and a mortgage foreclosure are separate processes: follow the notice and contact the office or lender named on it.

Yellowstone County Treasurer — property-tax records

Use the county property search to look up property-tax records. A tax record is not the same as a current creditor payoff or release instruction; confirm those figures with the responsible office for the sale.

Yellowstone County property-tax search ↗

Yellowstone County Recorder — recorded documents

The county's records-search service is a place to check recorded property documents. Recorded records do not by themselves confirm a creditor's current payoff amount.

Yellowstone County Recorder records search ↗

Montana has no real-property transfer tax

Montana's constitution bars state and local taxes on the sale or transfer of real property, so there is no state, county, or city transfer tax on a Montana home sale. When you sell to us, we pay the closing costs. Your mortgage, liens, back taxes, and share of current property taxes remain separate.

A realty transfer certificate is filed with the county clerk and recorder when the deed is recorded. The certificate helps the Department of Revenue update ownership and sale information; it also asks whether the property carries water rights. If it has its own water right, the state's water-right ownership record must be updated too; property on a public water supply skips that step.

Official sources: Montana Constitution, Article VIII, Section 17 ↗ · Montana Department of Revenue transfer-certificate information ↗ · Montana water-right ownership update law ↗

Mortgage foreclosure and property-tax notices

A mortgage foreclosure notice is separate from a county property-tax notice. Check the current deadline and status with the lender or trustee named on a mortgage notice, or the court if the matter is in court. For county tax records or a tax-sale notice, use the Yellowstone County Treasurer contact information and instructions.

Read about Billings foreclosure questions →

Compare possible net proceeds

Use the Billings home-sale net proceeds calculator with your own estimates for the house, mortgage, liens or back taxes, repairs, cleanout, and other costs. Just an estimate — the actual number could be more or less depending on the home's condition.

Open the Billings home-sale net proceeds calculator →

What sellers say about USA Home Buyers

Billings property-lien and back-tax questions

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

Yes. We buy houses as-is in Billings and Yellowstone County, including houses 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. Call or send the property address with whatever notice or payoff information you have; you can start before you have everything.

Where can I check property-tax or recorded-property records?

Use the Yellowstone County Treasurer property search for county property-tax records and the Yellowstone County Recorder records search for recorded documents. The current amount owed to a creditor or tax office and any payoff instructions must be confirmed for the specific sale.

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

No. Delinquent property taxes and mortgage foreclosure are separate matters with different notices and offices. Check tax-account or tax-sale questions with the county office named on the notice; check a mortgage notice with the lender or trustee named there, or the court if it is a court case.

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

Think the payoff is more than the house is worth? Ask us — we've gotten lenders to come down before. The creditor confirms the current payoff and any terms for the specific sale.

What should I have ready when I call?

Start with the property address and whatever you have: a property-tax bill or notice, creditor letter, payoff information, mortgage details, court or trustee notice, case number, or parcel number. You can call before you have it all.

What happens after I contact you?

We talk about the property and the information you have, review the house as-is, and put proposed sale terms in writing before you decide. The title company checks ownership and recorded claims, and the responsible creditor or tax office confirms current payoff information for the sale before closing.

Talk through the property

Call 888-274-5006 or use the form above. Start with the Billings address and the notice or payoff information you have.

Call Now 888-274-5006