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    Financial distress & debt

    Liens on your house? We buy it anyway

    Contractor liens, court judgments, HOA balances and city fines can make a house feel unsellable. Title can sort them out at closing.

    • No repairs
    • No fees or commission
    • Close in as little as 7 days
    • No obligation

    Quick answer

    SilverCrest Estates buys houses with mechanic's liens, judgment liens, HOA liens and municipal fines for cash; the title company identifies every lien, negotiates or pays them from the proceeds, and delivers clear title at closing.

    Is this you?

    This page is for you if…

    • A contractor filed a mechanic's lien
    • A creditor won a court judgment against you
    • There are HOA or code enforcement liens
    • You're not sure what liens exist

    Liens block normal sales

    Lenders won't fund until title is clear.

    Balances grow

    Interest and fees accrue on many liens.

    Hard to untangle alone

    Multiple creditors, multiple processes.

    Compare your options

    SilverCrest vs. the alternatives

    An honest side-by-side. Timelines are typical ranges and vary by state, lender and market.

    SilverCrestPay them off firstList with an agent
    Cash needed up frontNoneAll lien balancesUsually some
    Who finds every lienOur title companyYouBuyer's title, late in escrow
    Negotiating payoffsHandled for youYouYou
    Time to closeAs little as 7 days once clearedDepends on your cashMonths
    How we help

    Four steps, start to finish

    1. 1

      Full title search

      We find every recorded lien, so nothing surprises you.

    2. 2

      Offer with a payoff plan

      See which liens get paid and what's left for you.

    3. 3

      Payoffs and releases

      Title requests payoffs and lien releases from each creditor.

    4. 4

      Clear title, cash to you

      Liens are released; the remainder is yours.

    Common types of property liens

    Mechanic's liens are filed by contractors or suppliers who say they weren't paid. Judgment liens follow a court judgment for a debt. HOA liens cover unpaid association dues, and municipal liens cover code fines, water bills or demolition costs. Each has its own priority and release process.

    Some liens can be negotiated, some are disputed, and some may have expired. A title company sees all of them on one report — that alone removes a lot of fear.

    When the liens exceed the equity

    If the total owed is more than the house can sell for, creditors may agree to accept less to get paid at all. We'll show you the math honestly. For legal disputes over a lien, speak with a local attorney.

    This page is general information, not legal, tax or financial advice. Laws and timelines differ by state. Talk to a licensed attorney, CPA or HUD-approved housing counselor about your specific situation.

    Questions

    What sellers ask us

    Yes. Liens are paid or settled from the sale proceeds at closing, and the buyer receives clear title.

    You can still sell. Sometimes funds are held in escrow while a dispute is resolved. An attorney can advise you on contesting it.

    In many states a recorded judgment becomes a lien on real property you own in that county. Homestead protections vary by state.

    Simple payoffs can be ordered within days. Negotiated reductions can take longer. We'll set a realistic closing date.

    Related situations

    Sellers in similar spots also read

    Financial distress & debt

    Tax liens & back taxes

    Read the guide

    Financial distress & debt

    Bankruptcy

    Read the guide

    Tenants & vacant homes

    Vacant & abandoned homes

    Read the guide

    Whatever's going on, there's a way out

    Enter your address. A real cash offer from SilverCrest — no fees, no repairs, no obligation.