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 lender, creditor, or tax office gives the current payoff amount and instructions. The title company checks ownership and recorded claims, then coordinates the payoff figures for closing. A notice or older bill can help us understand the situation; call even if you do not have the current balance.
Records help, but you can call first
Start with the Schererville address and tell us what you know. A recent property-tax bill or tax-sale notice, lender statement, payoff letter, lien or court paper, or parcel number can help. You do not need to gather everything before calling.
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. Tell us the address and what you know about the tax account, lien, notice, or payoff. You can call before you have every record.
- 2. Review the written terms. You get a written offer and written terms before you commit, and we close through a title company. No agent commissions when you sell to us.
- 3. Work through title and payoffs. If you choose to proceed, the title company checks ownership and recorded claims. The lender, creditor, or tax office provides current payoff instructions for the closing.
- 4. Review the closing figures and close. The figures show the sale price, payoffs, property-tax allocation, and closing charges. Close as fast as 7 days when title and closing details allow.
Lake County tax-sale and property-record questions
A Lake County tax sale concerns delinquent property taxes. A mortgage foreclosure is a separate court case that may lead to a Sheriff’s sale. If you have both kinds of notice, we can review them with you separately.
Lake County Treasurer tax-sale information ↗
The Treasurer handles Lake County property-tax searches, payments, and tax-sale questions. Indiana’s tax-sale process has its own notices and dates under Indiana Code Chapter 6-1.1-24.
Search or pay Lake County property taxes → · Indiana Code Chapter 6-1.1-24 →
Lake County Auditor — Real Estate Tax ↗
Contact the Auditor’s Real Estate Tax office about county real-estate-tax records.
Lake County Recorder ↗
Ask the Recorder about a deed or another recorded property document. The lender, creditor, or tax office provides its current payoff amount and release instructions.
Lake County Clerk and Sheriff sale listings ↗
Mortgage foreclosure goes through court and may lead to a Sheriff’s sale. Contact the Clerk about court records and check the Sheriff’s current sale listings for sheriff-sale information.
Lake County Sheriff sale listings → · Schererville foreclosure information →
Compare possible net proceeds
A lien, tax balance, or mortgage payoff affects what may remain from a sale. Use the Schererville home-sale net proceeds calculator and enter your own estimates. Just an estimate — the actual number could be more or less depending on the home's condition.
Open the Schererville home-sale net proceeds calculator →Questions about Schererville liens and back taxes
Can I sell my Schererville 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. Call with the property address and whatever notice or payoff information you have; you can start before you have every record.
Who confirms the current tax or lien payoff?
The lender, creditor, or tax office provides its current balance and payoff instructions. The title company checks ownership and recorded claims and works those figures into the closing.
Are a Lake County tax sale and a mortgage foreclosure the same process?
No. A Lake County tax sale concerns delinquent property taxes and has its own notices and dates. Mortgage foreclosure is a separate court case that may lead to a Sheriff’s sale. The Treasurer handles county tax-sale questions; the Clerk and Sheriff handle court and sheriff-sale information.
What records should I have when I call?
A recent tax bill or sale notice, lender or creditor letter, payoff statement, lien or court paper, parcel number, or case number can help. You can call with just the Schererville address and what you know.
What if the payoff is more than my Schererville 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 house and the information you have. You get a written offer and written terms before you commit, and we close through a title company. If you decide to proceed, the title company checks ownership and recorded claims, and the creditor or tax office provides current payoff instructions for closing.
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.”
“Facing foreclosure ... Very stressful time... They handled it professionally and got me out of the debt...”
“no open houses. no realtors tracking dirt in. just a straight cash sale for our house so we could move. Glad it's over.”
Talk through the property
Call 888-274-5006 or use the form above. Start with the Schererville address and whatever notice or payoff information you have.