Navigating Property Liens: A Guide to Selling Your House Smoothly in Indiana

If you’re looking to sell your house with property liens in Indiana, it’s important to understand your options and the steps you can take to make the process as smooth as possible. In this blog post, we’ll cover everything you need to know about handling property liens when selling a house in Indiana.

1. Identify the Type of Lien

Before addressing a lien, it’s essential to determine its type, as each comes with its unique set of rules and procedures. Common types of liens include:

  • Tax Liens: Imposed by the government for unpaid property taxes.
  • Contractor Liens: Placed by contractors seeking payment for services.
  • Mortgage Liens: Arise when homeowners default on mortgage payments.
  • Judgment Liens: Result from a court decision in favor of a plaintiff.

Understanding the specific type of lien is crucial for navigating the resolution process effectively.

– Judgment liens: These are liens placed by a court when a homeowner loses a lawsuit and owes money to the plaintiff.

Each type of lien has its own set of rules and procedures that must be followed to resolve them, so it’s important to understand which type of lien you’re dealing with before moving forward. No matter which type of lien you are dealing with, you’ll want to resolve it before listing, or by utilizing the assistance of a professional property buyer such as Housemart Inc. 

2. Contact the Lien Holder

Once you’ve identified the type of lien, reaching out to the lien holder is the next step. Communicate with them to ascertain the outstanding amount and explore potential resolutions. Depending on the lien type, negotiation for a payment plan or settling the debt for a reduced amount might be possible.

If negotiations prove challenging, clearing the lien in full may be necessary before proceeding with the house sale. This can pose a financial burden, making it imperative to explore alternative options.

3. Explore Selling to a Cash Home Buyer

For homeowners facing difficulties in paying off the lien or seeking a hassle-free solution, selling to a cash home buyer like Housemart Inc can be a viable option. Cash home buyers specialize in swift property purchases and often provide cash offers within 24 hours.

Selling to a cash home buyer alleviates concerns about liens and property repairs, as the buyer assumes responsibility for these matters. This option allows homeowners to sell quickly and transition smoothly to their next venture.

4. Consider Working with a Real Estate Agent

If uncertainty persists in handling liens, collaborating with a real estate agent experienced in such situations is advisable. A knowledgeable agent can guide you through the complexities of selling a house with a lien, offering insights into negotiation strategies and connecting you with potential buyers.

When selecting a real estate agent, prioritize those with experience in dealing with liens and a strong understanding of the local market in Indiana.


Selling a house with a lien presents challenges, but with the right approach, it is manageable. By identifying the type of lien, communicating with the lien holder, exploring options like selling to a cash home buyer, and considering professional assistance from a real estate agent, you can successfully navigate the process and move forward with confidence.

If you’re seeking a quick sale in Indiana, Housemart Inc is here to help. We specialize in direct house purchases and can assist with various property situations, including those with liens. Contact us today at 219-230-8735 to start the process and simplify your house-selling journey.

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