How payoff balances work
A mortgage balance, tax bill, or other lien affects how much remains from a sale. The creditor or Lake County Treasurer confirms the current amount and payment instructions. The title company checks ownership and recorded claims and uses the confirmed figures in the closing.
When you sell to us, we pay the closing costs. Your liens are paid off from the sale at closing.
No fees. No agent commissions when you sell to us.
Records and your next step
Call with the Merrillville address and whatever you have—a tax bill or notice, creditor letter, mortgage statement, or parcel number. You can call before you have every record. The creditor or tax office confirms its payoff; we’ll talk through the house and papers with you.
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
- Talk through the house. Tell us the address and what you know about the taxes, lien, or payoff. You can call before you have all the papers.
- Review the written terms. You get a written offer and written terms before you commit, and we close through a title company.
- Check title and payoffs. If you choose to sell, the title company checks ownership and recorded claims and works with the creditor or tax office on current payoff instructions.
- Review the closing figures. The payoff amounts and closing costs are included in the figures for the sale. Close as fast as 7 days when title and closing details allow.
Lake County tax sales and property records
A Lake County property-tax sale concerns unpaid property taxes and has its own notice and date. Mortgage foreclosure is a separate court case about the home loan and may lead to a sheriff’s sale. Each notice has its own dates. If you have a notice, call us and we’ll look at it with you. For more on a mortgage sheriff’s sale, read the Merrillville foreclosure page.
Lake County Treasurer
Ask about property-tax bills, payments, or an unpaid balance.
Lake County Treasurer tax-sale information
Find Lake County property-tax sale information and notices.
Lake County Recorder
Ask about recorded deeds, mortgages, liens, releases, and other land documents.
Lake County Clerk of the Circuit and Superior Courts
Start with the Clerk for court filings and court records, including a judgment record.
Lake County Sheriff — Sheriff Sale Listings
See the County Sheriff’s listings for mortgage-foreclosure sales.
Compare possible sale proceeds
A mortgage payoff, tax balance, or lien changes how much may remain from a sale. Compare the numbers for your Merrillville house with the Merrillville home-sale net proceeds calculator.
Questions about Merrillville property liens and back taxes
Can I sell my Merrillville house with back taxes or liens before paying them?
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 with back taxes and liens. When you sell to us, we pay the closing costs. Your liens are paid off from the sale at closing.
Do I need all the tax or lien records before I call?
No. Start with the property address. A recent tax bill or notice, creditor letter, mortgage statement, or parcel number can help, but you can call before you have everything. The creditor or Lake County Treasurer confirms the current balance and payoff instructions; the title company checks ownership and recorded claims for the sale.
Is a Lake County tax sale the same as mortgage foreclosure?
No. A Lake County tax sale concerns unpaid property taxes and has its own notice and date. Mortgage foreclosure is a separate court case about a home loan and may lead to a sheriff’s sale. Each process has its own notice and dates.
What if my mortgage payoff is more than my Merrillville house is worth?
Think the payoff is more than the house is worth? Ask us — we've gotten lenders to come down before.
How soon can the sale close?
Close as fast as 7 days when title and closing details allow.
What costs do you pay when I sell to you?
Your mortgage balance, lien amounts, back taxes, and current property-tax share are payoff items that affect what remains from the sale. No fees. No agent commissions when you sell to us. When you sell to us, we pay the closing costs.
What our sellers say
“LISTEN, PROPERTY TAXES GOT TOO HIGH FOR MY FIXED INCOME. SOLD IT TO THEM. WALKED AWAY WITH CASH. GLAD IT'S OVER.”
“Just wanted to say, taxes were 3 years behind on my house... county was going to auction it... they bought it, paid the taxes at closing, gave me the rest... Thanks...”
Talk through the property
Call 888-274-5006 or use the form above. Start with the Merrillville address and whatever tax or lien information you have.