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Liens can complicate the sale of a property in Washington, but they don’t make it impossible. A lien is a legal claim against a property for unpaid debts, and it must typically be resolved before closing. This guide covers the types of liens, how they affect selling, and solutions for homeowners who want to sell quickly.
What Is a Lien?
A lien is a creditor’s legal right to claim a portion of the property’s value until a debt is paid. Common liens in Washington include:
- Tax Liens – Filed by the IRS or state for unpaid taxes.
- Mechanics Liens – Contractors place these for unpaid work.
- HOA Liens – Homeowners’ associations may file liens for unpaid dues.
- Judgment Liens – Court-ordered liens after a legal judgment.
- Medical or Hospital Liens – Filed by hospitals for unpaid medical bills.
- Child Support Liens – Filed when child support payments are overdue.
How Liens Affect Selling a House
Liens attach to the property, not the homeowner, meaning they must be addressed before a sale can close. Challenges include:
- Delays while negotiating with creditors.
- Reduced equity after paying off lien balances.
- Buyers unwilling to purchase homes with unresolved liens.
Options for Selling a House with Liens in Washington
Homeowners have several choices when selling a lien-encumbered property:
- Pay Off the Lien: Clear the debt before selling to transfer clean title.
- Negotiate with Creditors: Some lienholders may accept reduced settlements.
- Sell As-Is to a Cash Buyer: Many cash buyers are willing to purchase homes with liens and work directly with creditors during closing.
Why Cash Buyers Are a Good Fit
Cash buyers simplify lien property sales by providing:
- Quick closings: Sales completed in 7–10 days once liens are addressed.
- As-is purchases: No need for repairs or updates.
- Experience with liens: Professional buyers know how to handle lien payoffs and negotiations.
Legal Considerations in Washington
Washington law requires sellers to disclose liens under RCW 64.06. Additionally, sellers must comply with county-level recording requirements when liens are paid off or released, such as filing through King County or Spokane County.
Helpful Resources for Washington Homeowners
Why Work With REI Branded Home Buyer
At REI Branded Home Buyer, we help Washington homeowners sell properties with tax liens, judgment liens, and other encumbrances. Our cash offers and experience with lien payoffs make selling faster and less stressful.
Take the Next Step
Need to sell a Washington house with liens? Contact REI Branded Home Buyer today for a no-obligation consultation and learn how we can help resolve liens and close quickly.
Contact Information
REI Branded Home Buyer
Phone: 509-769-3439
Email: info@reibrandedhomebuyer.com
Website: www.reibrandedhomebuyer.com
Disclaimer: This blog post is for informational purposes only. It does not constitute legal, financial, or real estate advice. For specific guidance regarding your property or situation, please consult a licensed professional.
