Can I get a mortgage with a tax lien?

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.

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