Can I get a mortgage with a tax lien?
Answered by Onias Derilus, Mortgage Capital · NMLS# 1859012 · Florida licensed mortgage broker
Often yes. A federal or state tax lien doesn't automatically disqualify you if you're on an approved repayment plan and have made at least three on-time payments. FHA is the most flexible here.
Underwriting wants proof of the plan and payment history, and the lien generally can't jeopardize the lender's position. We'll document the plan and structure the file to clear underwriting.
Tax liens and approval
A tax lien no longer blocks a mortgage on its own. What matters is a payment plan in good standing. Several on-time payments to the IRS can satisfy a lender.
An unaddressed lien is the real problem. Set up a plan and document it. That turns a red flag into a manageable item.
Clearing the path in Florida
Owe back taxes and want to buy? A structured plan often keeps you eligible. We know how lenders view IRS and state liens.
Bring your lien details and any payment agreement. We will show what underwriting needs to approve the loan.