How liens are paid at closing
When you sell to us, we pay the closing costs. Your liens are paid off from the sale at closing.
Records and the next step
Start with the property address and any tax bill, lender payoff, lien letter, or sale notice you already have. You can call before you have everything. Your lender or lienholder confirms its current payoff; Hamilton County Treasurer handles county property-tax billing. The title company reviews recorded property documents and works with the creditor or tax office on current payoff figures and instructions.
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 property
We discuss the house, the tax or lien notice, and the payoff information you have. You can start with a call and the property address.
2. Read the written terms
You get a written offer and written terms before you commit, and we close through a title company.
3. Review payoffs and close
The title company checks the recorded documents and works with creditors and county offices on payoff figures for closing. Close as fast as 7 days when title and closing details allow.
No agent commissions when you sell to us. No fees.
Hamilton County offices for tax and lien questions
Carmel is in Hamilton County. The County Treasurer handles property-tax billing, the Auditor publishes county tax-sale information, and the Recorder keeps recorded property documents.
Hamilton County Treasurer ↗
Start here for county property-tax billing and collection. The County's Property and Taxes information and property reports can help you find tax account details.
Call 317-776-9620.
Hamilton County Auditor ↗
Contact the Auditor's Office for Hamilton County tax-sale information and questions about the Indiana property-transfer filing.
Call 317-776-8400.
Hamilton County Recorder ↗
For a recorded deed, mortgage, or other land document, use the Recorder's recorded-document search and copy information.
Call 317-776-9618.
Hamilton County Sheriff's Sale ↗
A mortgage foreclosure goes through a court case and a separate Sheriff's Sale. Contact the County for current sale information and share any date on your notice when you call us.
Read the Indiana mortgage-foreclosure law.
Indiana property-transfer filing and closing costs
Indiana uses a Sales Disclosure Form for property-transfer reporting, filed with the county Auditor for property-tax records. The filing fee is usually $20, and some transfers are exempt. Recording and other closing charges are separate. When you sell to us, we pay the closing costs.
Indiana DLGF property-transfer form information · Indiana property-transfer filing law
Compare your options
Use your own mortgage payoff, tax balance, lien amount, and other sale costs to compare possible proceeds.
Open the Carmel home-sale net-proceeds calculator →Read more about a mortgage foreclosure in Indiana on our Carmel foreclosure page.
Carmel back-tax and lien questions
Can I sell my Carmel house with back taxes or liens?
Yes. We buy houses with back taxes and liens. Tell us the property address and what you know about the notice or payoff; you can call before you have every record.
Who confirms the payoff balance?
Your lender or lienholder confirms its current payoff. Hamilton County Treasurer handles county property-tax billing, and the title company works with the creditor or tax office on the payoff figures for closing.
Are a Hamilton County tax sale and a mortgage foreclosure the same?
No. Property-tax sale information comes from the Hamilton County Auditor. A mortgage foreclosure goes through a court case and a separate Sheriff’s Sale. Check the notice date and call us to talk through it.
What property-transfer fee applies in Indiana?
Indiana uses a Sales Disclosure Form for property-transfer reporting. The filing fee is usually $20, and some transfers are exempt. Recording and other closing charges are separate. When you sell to us, we pay the closing costs.
What if the lender payoff is more than my house is worth?
Think the payoff is more than the house is worth? Ask us — we've gotten lenders to come down before.