Saginaw County Treasurer ↗
Contact the County Treasurer about county delinquent-tax routing and the Land Bank Authority. The office lists 111 S. Michigan Avenue, Room 107, Saginaw, MI 48602, and 989-790-5225.
Saginaw, Michigan · Saginaw County
Can I Sell My Saginaw 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. USA Home Buyers buys houses as-is in the City of Saginaw and Saginaw County, Michigan, including houses with liens or back taxes. You can call before you have every payoff document; we can start with the property and what you know.
We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us.
Ask for a written cash offer or call 888-274-5006 to talk through the property.
Talk through a Saginaw lien or tax question
Share the property address and whatever you know about the notice, creditor, tax account, or payoff. You can start before every record is assembled.
We'll give you a written cash offer within 24 hours.
We give written cash offers in 24 hours.
Tell us the address and what you know about the notice, payoff, creditor, or tax account.
Prefer to call? 888-274-5006.
How lien and back-tax payoffs work
When you sell to us, we pay the closing costs. Your liens are paid off from the sale at closing.
Mortgage balances, liens, back taxes, and your share of current property taxes are separate amounts that can affect what remains after the sale. The creditor or tax office confirms its current balance and instructions; the title company checks the settlement figures for this property.
Records that can help—and who checks them
If you have them, bring the latest property-tax notice, lien or mortgage statement, creditor or case number, parcel information, and any sale notice. The property address is enough to start a conversation; call even if the paperwork is incomplete.
The office or creditor named on a notice confirms its current amount and payoff instructions. The Saginaw County Register of Deeds keeps the county real-property recording and index records, but those records are not a current payoff quote. The title company checks recorded claims and coordinates the title and payoff work for the sale.
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 property
Tell us the Saginaw address, what the house needs, and which lien, tax notice, or payoff is causing concern. Start with what you know; you do not need to solve the balance before calling.
2. Review the house and written terms
We review the house as-is and give you the offer and proposed sale terms in writing before you decide. Written offer and written terms before you commit; title-company closing.
3. Confirm title and payoff details
The title company checks ownership and recorded claims for the transaction. The creditor or tax office supplies current payoff or release information, and the title company confirms the documents and figures needed for settlement.
4. Review the settlement and close
The settlement figures show the sale price, payoffs, taxes, and other transaction costs. You review the figures and close through the title company under the written terms you accepted.
Saginaw and Saginaw County offices
The City of Saginaw is within Saginaw County, but city assessment and inspection questions go to city offices while county recording and delinquent-tax routing go to county offices. Match the office to the property record or notice you have.
Saginaw County Register of Deeds ↗
The Register of Deeds is the county real-property recording and index office. It lists 111 S. Michigan Avenue, Saginaw, MI 48602, and 989-790-5270. Recorded documents help with the title search; ask the creditor or tax office for a current payoff amount.
City of Saginaw Assessing ↗
Use the City Assessor's Office for city assessment and parcel-record inquiries. It is at City Hall, 1315 S. Washington Avenue, Room 105, Saginaw, MI 48601, and lists 989-759-1471.
City Building Permits, Inspection, and Enforcement ↗
Contact this city office with building-code, permit, rental-inspection, or dangerous-building questions. It is at City Hall, 1315 S. Washington Avenue, Saginaw, MI 48601, and lists 989-759-1540.
A delinquent-property-tax matter and a lender's mortgage foreclosure are separate processes. The County Treasurer is the county route for delinquent-tax questions; for a mortgage notice, contact the lender or servicer named on it. Check each notice and current account for its own status and dates. Read about Saginaw mortgage-foreclosure options →
Michigan state and county real estate transfer taxes
For an ordinary taxable sale, Michigan's state real estate transfer tax is $3.75 for each $500 of the property's value at the time of sale, or part of $500. The county tax is generally another 55 cents for each $500, or part of $500. State and county exemptions are separate, and the property, sale value, and any exemption need to be checked for the actual sale. Michigan law generally makes the seller responsible for these taxes. Michigan state transfer-tax law (Chapter 207) → Michigan county transfer-tax law (Act 134 of 1966) →
When you sell to us, we pay the closing costs, including Michigan state and county real estate transfer taxes.
Mortgage balances, liens, back taxes, and your share of current property taxes are separate amounts; the closing-cost promise does not pay those balances.
Compare possible net proceeds
Use the Saginaw home-sale net proceeds calculator to compare an estimated 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.
Saginaw property liens and back-tax questions
Can I sell a Saginaw house with back taxes or liens before paying them off?
Yes. When you sell to us, we can set it up so you don't have to prepay anything — it comes out at closing. Your liens are paid off from the sale at closing. The creditor or tax office confirms current figures and instructions for the property as the title company prepares the sale.
Who confirms the current lien or back-tax balance?
The creditor or tax office named on the notice confirms its current balance and payoff instructions. The Register of Deeds maintains recorded real-property documents; a recorded document is not the creditor’s current payoff quote. The title company checks the property records and coordinates the title and payoff work for the sale.
What should I have ready before I call?
Start with the Saginaw property address and any tax notice, lien or mortgage statement, creditor or case number, parcel information, or sale notice you already have. You can call before you have every document or balance.
Are a delinquent-property-tax matter and mortgage foreclosure the same process?
No. A property-tax matter and a lender’s mortgage foreclosure are separate; one notice does not establish the status or balance of the other. The Saginaw County Treasurer is the county contact for delinquent-tax routing. For a mortgage notice, contact the lender or servicer named in it and check the notice for current status and dates.
What if the payoff is more than my Saginaw house is worth?
Think the payoff is more than the house is worth? Ask us — we've gotten lenders to come down before.
What happens after I contact USA Home Buyers?
We talk through the property and the records you have, review the house as-is, and put the offer and proposed terms in writing before you decide. The title company checks title and works with the creditor or tax office on current payoff details, then prepares the settlement figures for closing.
What sellers say about USA Home Buyers
More Saginaw seller information
Talk through the property
Call 888-274-5006 or use the form above. Start with the Saginaw address and the tax or lien notice you have.