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Categories: Brett's Mortgage Blog

How To Get A Mortgage When You Owe The IRS…

Of all the posts on my web site the one for how to get a mortgage when you owe the IRS is the most clicked on.

So, for those who this might apply to… I happily repost it here…

Many people don’t think it’s possible to get a mortgage if you owe the IRS back taxes.

I’m happy to tell you that it is possible, and this is how you do it…

1) If you owe the IRS back taxes you have to take the initiative and make a payment plan with the IRS right away.

Generally, if you make a payment plan right away with them they won’t file a lien against you.

If you wait and do nothing with your balance owed to the IRS – then the IRS will place a tax lien against you and at this point you may not be able to get a mortgage.

2) If you have a history of making payments on your IRS back taxes for 6 months without any late payments then you can get a mortgage with me (assuming you qualify otherwise).

My underwriter will treat this payment as he/she would with any other installment loan.

If you are in this situation – give me a call and I can most likely help you out!

…or, to get a mortgage right now just fill out this simple application.

I hope you have a great day! Thanks for reading!

Brett

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Brett Sampson

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