USA Home Buyers

Rochester, NH · Strafford County · Back taxes and liens

Can I Sell My Rochester, NH House With Back Taxes or Liens?

When you sell to us, we can set it up so you don't have to prepay anything — it comes out at closing.

Yes. We buy houses with back taxes or liens in Rochester and Strafford County. The lender, creditor, or tax office confirms the payoff; we work with the title company on the closing details. You can call with the address and whatever notice you have.

Call 888-274-5006 to talk through the house and the notice.

We give written cash offers in 24 hours.

Share the Rochester address and what you know about the lien, tax notice, or payoff.

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How liens and tax payoffs work

When you sell to us, we pay the closing costs. Your liens are paid off from the sale at closing.

Your mortgage, lien, and back-tax payoff amounts are separate from closing costs. The lender, creditor, or tax office confirms its current balance and instructions; the title company works with those parties on the closing figures.

No agent commissions when you sell to us. No fees.

Records and the next step

Start with the property address and any tax bill, lien notice, creditor letter, or payoff statement you already have. You can call before you have everything. For a recorded deed, mortgage, or other land-record question, contact the Strafford County Registry of Deeds. We work with the title company and the lender, creditor, or tax office to confirm payoff details as the sale moves forward.

Call 888-274-5006 or use the form above to talk through the notice and the house.

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. 1. Talk through the house and notice

    Tell us the Rochester address and what you know about the lien or tax bill. You can start the conversation before you have every payoff detail.

  2. 2. Review the written offer and terms

    We give written cash offers in 24 hours. You get a written offer and written terms before you commit, and we close through a title company.

  3. 3. Confirm title and payoff details

    The title company reviews the property records and works with the lender, creditor, or tax office to confirm payoffs and closing details.

  4. 4. Review closing figures and close

    The title company prepares the closing figures and handles the closing. Close as fast as 7 days when title and closing details allow.

Rochester and New Hampshire lien, tax, and deed information

New Hampshire property-tax sales and tax liens

New Hampshire has a municipal property-tax sale process, and state law also lets a municipality adopt a separate tax-lien procedure. If a real estate tax lien is not redeemed, a tax deed may follow two years after the lien is executed. This is separate from a lender's mortgage foreclosure sale. For that process, see the Rochester foreclosure page.

RSA 80:20 — municipal property-tax sale → · RSA 80:20-a — optional tax-lien procedure → · RSA 80:87 — adopting the optional procedure → · RSA 80:76 — tax deed after redemption period →

Strafford County Registry of Deeds

The Registry keeps land records for Strafford County's three cities and ten towns. For a recorded deed, mortgage, or other land-record question, call 603-742-1741 or visit 259 County Farm Road, Suite 202, Dover, NH 03820.

Strafford County Registry of Deeds information →

New Hampshire real estate transfer tax

New Hampshire real estate transfer tax charges both buyer and seller $0.75 per $100, or fraction of $100, of the taxable price. Each party's tax is rounded to the nearest whole dollar; for a price of $4,000 or less, the minimum is $20 each.

The closing professional handles tax stamps through the county Registry of Deeds and required filings with the New Hampshire Department of Revenue Administration, including any exemption. When you sell to us, we pay the closing costs, including New Hampshire real estate transfer tax.

No agent commissions when you sell to us. No fees.

Mortgage balances, liens, back taxes, and your share of current property taxes remain separate payoff or allocation amounts.

RSA 78-B:1 — transfer-tax rate and minimum → · RSA 78-B:4 — both parties and rounding → · New Hampshire Department of Revenue Administration transfer-tax guidance →

Compare possible net proceeds

Use the Rochester home-sale net proceeds calculator with your own estimates for the sale price, mortgage payoff, lien or tax amount, repairs, and other costs. Just an estimate — the actual number could be more or less depending on the home's condition.

Open the Rochester home-sale net proceeds calculator →

Questions and contact

Call 888-274-5006 or use the form above to talk through the Rochester address and whatever tax or lien information you have.

Read Rochester seller resources or visit the Rochester home-selling page.

Questions about Rochester property liens and back taxes

Can I sell my Rochester house with back taxes or liens before paying them?

Yes. 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 or liens in Rochester and Strafford County. You can call with the address and whatever notice or payoff information you have.

Who confirms the current lien or tax payoff?

The lender, creditor, or tax office confirms its current balance and payoff instructions. We work with the title company on the payoff details for closing.

What should I have before I call?

The property address is enough to start. Share any tax bill, lien notice, creditor letter, or payoff statement you already have; you can call before you have every record.

Are a property-tax lien and a mortgage foreclosure the same process?

No. New Hampshire has a municipal property-tax sale process and a separate tax-lien procedure. A lender’s mortgage foreclosure is different. Read the Rochester foreclosure page for that process.

What transfer tax applies when a New Hampshire house sells?

New Hampshire real estate transfer tax charges both buyer and seller $0.75 per $100, or fraction of $100, of the taxable price. Each party's tax is rounded to the nearest whole dollar; for a price of $4,000 or less, the minimum is $20 each. When you sell to us, we pay the closing costs, including New Hampshire real estate transfer tax.

What if the payoff is more than my Rochester house is worth?

Think the payoff is more than the house is worth? Ask us — we've gotten lenders to come down before.

What our sellers say

BBB A ratingRead our Google reviews
“LISTEN, PROPERTY TAXES GOT TOO HIGH FOR MY FIXED INCOME. SOLD IT TO THEM. WALKED AWAY WITH CASH. GLAD IT'S OVER.”
Alex Pproperty taxes
“Facing foreclosure ... Very stressful time... They handled it professionally and got me out of the debt...”
Alice Wforeclosure
“no open houses. no realtors tracking dirt in. just a straight cash sale for our house so we could move. Glad it's over.”
Angela Rmoving

Talk through the property

Call 888-274-5006 or use the form above. Start with the Rochester address and the notice or payoff information you have.

Call Now 888-274-5006