How payoffs work
When you sell to us, we pay the closing costs. Your liens are paid off from the sale at closing.
The title company works with the lender, creditor, or tax office to confirm the current payoff amount and instructions. The lien or tax balance is separate from our closing costs.
No agent commissions when you sell to us. No fees.
Records and the next step
A recent mortgage statement, property-tax bill or tax-sale notice, and any letter from a creditor or lienholder can help us get started. If you do not have them, call with the property address anyway. We can talk through what you have and work with the title company on the payoff details.
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 house and notice
We discuss the property, the notice or payoff information you have, and what you want to do.
2. Review written terms before deciding
You get a written offer and written terms before you commit, and we close through a title company.
3. Confirm title and payoff details
The title company checks the property records and works with creditors and tax offices on payoff figures and release instructions.
4. Review settlement and close
Close as fast as 7 days when title and closing details allow.
Carroll County tax and land-record offices
Carroll County Collections/Taxes ↗
The County Collections Office handles real-property tax collection and local tax-sale information. Carroll County conducts an online tax sale in June. Contact Collections about a tax account, notice, or sale date.
Circuit Court for Carroll County — Land Records ↗
For a recorded deed, mortgage, or other land-record question, contact the Circuit Court Clerk's Land Records & Licensing office in Westminster.
Tax sales and Maryland transfer taxes
A Carroll County tax sale is for unpaid property taxes; it is separate from a mortgage foreclosure sale, which concerns the home loan. If you receive a tax-sale notice, call us with the date so we can talk through the timing.
Maryland charges a state transfer tax, and counties set recordation-tax rates; a county transfer tax may also apply. When you sell to us, we pay the closing costs, including Maryland's state transfer tax, recordation tax and any applicable county transfer tax.
Maryland state transfer-tax law · Maryland recordation-tax law · Carroll County property-tax and tax-sale information
Compare possible sale proceeds
Compare a possible sale price with your payoff amounts and estimated selling costs using the Eldersburg home-sale net-proceeds calculator.
Open the Eldersburg home-sale net-proceeds calculator →
Questions and contact
Questions about Eldersburg liens and back taxes
Can I sell my Eldersburg house with back taxes or liens before paying them?
Yes. We buy houses with back taxes and liens. When you sell to us, we can set it up so you don't have to prepay anything — it comes out at closing.
How are lien and tax payoffs handled?
When you sell to us, we pay the closing costs. Your liens are paid off from the sale at closing. The title company works with the creditor or tax office to confirm current payoff figures and instructions.
Can I call before I have every statement or notice?
Yes. Call with the property address and whatever notice or payoff information you have. You do not need to gather every record first.
Is a Carroll County tax sale the same as mortgage foreclosure?
No. A Carroll County tax sale concerns unpaid property taxes. Mortgage foreclosure concerns the home loan, and each process has its own notice and sale date.
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.
Who pays Maryland transfer and recordation taxes when I sell to you?
When you sell to us, we pay the closing costs, including Maryland's state transfer tax, recordation tax and any applicable county transfer tax.
Call 888-274-5006 with a question, or use the form above. Start with the property address and whatever notice you have.