How liens and payoffs work
When you sell to us, we pay the closing costs. Your liens are paid off from the sale at closing.
A lien is a legal claim that can affect the title or money due when a home sells. The creditor or tax office named on the notice confirms the current balance and payment or release instructions. The title company checks ownership and recorded claims and includes confirmed payoff information in the closing figures.
Your mortgage, liens, back taxes, and share of current property taxes are separate from the closing costs we pay.
Records that can help—and what to do next
A property address and any tax bill or notice, payoff statement, lien or court paper, deed, or sale notice can help us understand the payoff. The creditor or tax office confirms its balance, and the title company checks the recorded claims for closing. Call with what you have; you do not need to gather everything first.
Call 888-274-5006 or use the form above with the address and whatever records you have.
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 records
We talk through the Poplar Bluff or Butler County address, the house’s condition, what you know about the tax or lien amount, and any notice or timing concern. Start with whatever information you have.
2. Review the written offer and terms
The written offer sets out the proposed price and payoff treatment so you can decide whether to proceed.
3. Check title and payoff details
If you choose to move ahead, the title company checks ownership and recorded claims. The creditor or tax office confirms current payoff information and the instructions used for closing.
4. Review the closing figures and close
The closing company walks through the sale price, confirmed payoffs, taxes, recording charges, and other settlement items. We close through a title company. Close as fast as 7 days when title and closing details allow. No fees. No agent commissions when you sell to us.
