Plano · Collin County
Sell a House With Liens in Plano
Liens frighten people more than they should. They are a payoff question, not a barrier — provided the sale price covers them and nobody finds them at the last minute.
- Written offer within 24 hours
- No repairs, no cleaning, no showings
- We pay the closing costs
- You choose the closing date
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BBB accredited business
Look the accreditation up before you call us — it is a matter of record.
- Written offer within 24 hours A real number in writing, with the math we used to reach it. No fee, no obligation.
- Closing in 7 to 14 days On a clean title — or months out instead. You pick the date, not us.
- No commissions and no fees We pay the closing costs at a Texas title company. Nothing comes out of your side.
How it works
What are the steps to sell your Plano house for cash?
Tell us about the house
Address and condition is enough. We do not need photos, a cleanup, or a repair list — we buy as-is and we expect deferred maintenance.
Get a written offer in 24 hours
We price off recent Collin County sales and what the house actually needs. You get a real number in writing, with how we arrived at it.
Close on your date
Seven days if you need speed, or later if you need time to find your next place. Closing happens at a Texas title company and we cover the closing costs.
Cash offer vs agent vs iBuyer
Which of the three is actually right for your house?
If your Plano house is updated, empty and you can wait 60–90 days, listing with a good agent will usually net you more, and an iBuyer may too if the house fits its criteria. A cash sale wins when condition, a fixed date or certainty matter more than squeezing out the last few percent.
| Listing with an agent | iBuyer / instant offer | Sell My House Fast Plano | |
|---|---|---|---|
| Time to close | Typically 60–90+ days, plus time on market | Usually 14–60 days, inside the platform's window | 7–14 days on clean title, or later if you prefer |
| Agent commission | Commonly 5–6% of the price | None | None |
| Service fee | None separate from the commission | Yes — a percentage of the price, disclosed in the offer | None |
| Closing costs | Seller commonly pays 1–3% | Seller pays their share | We pay them |
| Repairs | Pre-list work, then buyer repair requests | None up front; deductions after their inspection | None, and no deduction after we look |
| Showings | Ongoing, plus open houses | None, but an inspection visit | One walkthrough |
| Financing contingency | Buyer's appraisal and loan can fall through | None — the platform pays cash | None — we pay cash |
| Condition accepted | Must satisfy the buyer's lender and appraiser | Newer, financeable houses within set criteria | Any condition — fire, hoarder, foundation, tenants |
| Who picks the closing date | Negotiated with the buyer | Chosen from the platform's window | You do |
Find out what your house is worth in cash
One visit, a written number within 24 hours, and no obligation at any point. If a cash sale is not your best option, we will tell you.
Get My Cash Offer Call (972) 928-0410Can you sell a house in Plano that has liens on it?
Yes. Liens are paid from the sale proceeds at closing, not out of your pocket beforehand. The title company identifies every lien, pays them in order of priority, and you receive whatever remains — which is why a lien delays a closing only when it is discovered late.
Last verified: August 16, 2026 · Plano, Collin County, Texas
Title finds them, closing clears them
The title search surfaces recorded liens: property tax, HOA, mechanic's liens from unpaid contractors, IRS liens, abstracts of judgment, and sometimes an old mortgage nobody ever released. Each is paid from proceeds in priority order on the settlement statement.
Texas property tax liens
Unpaid Collin County property taxes accrue penalties and interest quickly and take priority over almost everything else. They are also why some owners end up selling: the balance grows faster than they can catch up. It comes off the top at closing.
Tell us early, not late
A lien known at the start is arithmetic. A lien discovered a week before closing is a delay, and occasionally a dead deal. If you suspect a contractor filed something, or there is an old judgment, or a previous lender never released its lien, say so in the first conversation.
When the liens exceed the value
Sometimes the total owed is more than the house is worth. Then a straightforward sale will not work and the options are negotiating a payoff with lienholders, a short sale, or legal advice. We will tell you that plainly rather than running you through a process that cannot close.
Texas lien law
Which liens actually attach to a Texas house, and in what order
Not every claimed lien is a valid lien, and priority decides who gets paid first out of your proceeds. This is the part of a lien-encumbered sale that is worth understanding before you panic about the total.
- The tax lien attaches every January 1
- Under the Texas Tax Code a lien for that year's property taxes attaches on January 1 and takes priority over almost every other claim, including most mortgages. It is why back taxes come off the top of the settlement statement.
- Delinquency penalties escalate on a schedule
- Texas property taxes are delinquent on February 1. Penalty and interest build monthly through the first half of the year, and an additional collection fee can be added mid-year under the Tax Code. A tax balance grows faster than most people expect.
- A mechanic's lien on a homestead has strict rules
- For a homestead, the Texas Property Code requires a written contract signed before the work began, signed by both spouses, and filed with the county clerk. A contractor who skipped those steps may have filed something that does not hold.
- Judgment liens and the homestead exemption
- An abstract of judgment recorded in the county creates a lien on real property, but Texas homestead protection exempts a homestead from most judgment liens. Federal tax liens are not subject to that protection.
- Liens are paid from proceeds, not in advance
- The title company identifies each recorded claim, pays them in priority order at closing, and pays you the remainder. You do not need to find the money first — that is the single most common misunderstanding here.
General information about Texas property, with the code references included so you can look each one up. It is not legal or tax advice — confirm your own position with an attorney or CPA before you sign anything.
Questions we get asked
Do I have to pay off the liens before selling?
No. Liens are paid out of the sale proceeds at closing by the title company, in order of priority. You do not need to find the money in advance — that is the single most common misunderstanding about selling a house with liens.
What if I owe back property taxes in Collin County?
Unpaid property taxes are paid at closing from the proceeds. They take priority over most other liens and accrue penalties and interest fast, which is why a growing tax balance is itself a common reason people sell rather than a reason they cannot.
Can you buy a house with an IRS lien or a judgment against me?
Yes. Federal tax liens and abstracts of judgment are handled through title like any other lien, though an IRS lien can need a release that takes extra time. Tell us early so the timeline accounts for it.
What if the liens are worth more than the house?
Then a normal sale will not clear title, and we will say so instead of wasting your time. The routes from there are negotiating reduced payoffs with the lienholders, a short sale with lender approval, or advice from an attorney.