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.
A mortgage balance, back taxes, and your share of current property taxes are separate from closing costs. The current amount and written payoff or release instructions must be confirmed for each claim; those figures are handled as part of the sale at closing, not paid by you upfront.
Written offer and written terms before you commit; title-company closing.
Records that help—and where to start
Start with the property address. A parcel number, tax bill or notice, lien or court paper, lender payoff statement, deed, or mortgage can help identify which balance and record need checking. Midland addresses can be in Midland County or Bay County, so check the parcel or notice to identify the right county before using county records. You can call while you are still gathering paperwork.
The creditor or tax authority named on the current record confirms its balance and payoff instructions. The title company checks ownership and recorded claims for the sale. For county property and tax-record starting points, see the Midland market report.
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 about the house and the records you have
Tell us the Midland address and what notice or payoff information you have. You can call before you have every amount or document.
2. Review the house and written terms
We review the property as it stands and put the offer and proposed terms in writing before you decide whether to proceed.
3. Confirm title and payoff details
If you choose to move forward, the title company checks ownership and recorded claims. Each creditor or tax authority confirms its current payoff and release instructions for the property.
4. Review the settlement and close
The title company prepares the settlement figures with the agreed terms, confirmed payoffs, and applicable taxes and costs. Review the written figures before closing.
Local tax, lien, and closing questions
A property-tax matter and a lender's mortgage foreclosure are separate issues with separate notices and deadlines. Check the notice you received and confirm the current date with the authority named there. The Midland foreclosure page explains that distinction; a mortgage-sale postponement does not change a separate tax deadline.
A recorded lien, a current tax balance, and a lender payoff are different records. The title company and the office or creditor named on each record check the figures for the property. If a transfer-tax line applies to the sale, ask the title company to show it in the written settlement. When you sell to us, we pay the closing costs. Your liens are paid off from the sale at closing. Mortgage balances, back taxes, and your share of current property taxes remain separate from that closing-cost promise.
Compare possible net proceeds
Use your own estimated value, mortgage payoff, liens, tax amounts, and other costs to compare possible proceeds. The calculator is an estimate, not a property-specific offer or a change to a notice deadline.
Estimate sale proceeds with the Midland calculator →Questions and contact
You can call now, even if you are still sorting out a notice or payoff. Call 888-274-5006 or send the property details through the form.
Midland property liens and back taxes — common questions
Can I sell my Midland 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. The current amount and payoff instructions still need to be checked for the property. You can call before you have every record.
Who checks the lien and tax payoff amounts?
The creditor or tax authority named in the current record confirms its balance and payoff instructions. The title company checks ownership and recorded claims and works confirmed figures into the settlement.
What records should I have when I call?
Start with the Midland property address and whatever you have: a tax bill or notice, parcel number, lien or court paper, lender payoff statement, deed, or mortgage information. You can call before you have everything.
Are property-tax foreclosure and mortgage foreclosure the same?
No. A property-tax matter and a lender mortgage foreclosure are separate matters with separate notices and deadlines. Check the current notice and confirm its date with the authority named there. A mortgage-sale postponement does not change a separate tax deadline.
What if the payoff is more than my Midland house is worth?
Think the payoff is more than the house is worth? Ask us — we've gotten lenders to come down before. The current payoff still needs to be confirmed for the property.
What happens after I contact USA Home Buyers?
We talk about the house and the information you have, review the property as it stands, and put proposed sale terms in writing before you decide. If you choose to proceed, the title company and the creditor or tax authority confirm the records, payoff instructions, and settlement figures for that sale.