Title Problems in Texas? We Buy Houses With Liens & Judgments
Texas has strong homestead protections that limit certain forced lien attachments to the homestead, but judgment liens, IRS tax liens, mechanic's liens for authorized improvements, and HOA assessment liens can all cloud title. Texas's Constitution exempts the homestead from forced sale for most debts, but this protection does not extend to purchase-money mortgages, home equity loans, contractor liens for work done on the home, or IRS federal tax liens. Title companies in Texas require all known liens to be paid off or released before issuing a title policy.
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Title Problems & Liens in Texas — FAQ
In Texas, judgment liens generally cannot be enforced against your homestead — but they can attach to the homestead as a lien when you sell. The lien must typically be paid off or the lienholder must release it before a clean title policy can be issued. We handle this at closing.
IRS federal tax liens follow the property, not the person, and can attach to Texas homestead property despite homestead protections. We work with the IRS lien process and can subordinate or pay off the lien at closing.
Simple lien payoffs from sale proceeds take 7–14 days. Missing heir or contested claim situations take 30–90 days depending on complexity.
No. Our in-house attorneys handle all curative work at no out-of-pocket cost to you. We deduct fees from closing proceeds only.
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