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Refinancing with a Tax Lien

Posted on: 02nd Feb, 2007 07:10 pm
can you point me to a lender that will do a refinance with a federal tax lien subordination?
Welcome Dan,

Have you applied for a certifcate of Subordination of Lien from the Internal Revenue Service? I have heard that such a certificate from the IRS is necessary when you apply for refinancing with the federal tax lien subordination.
Posted on: 02nd Feb, 2007 07:59 pm
Hi Dan,

We have a group of lenders within our community. They offer various loan programs on different types of properties under different terms and conditions.

If you can provide us with your credit score and the state where you reside, then it will be easier for us to locate suitable lenders. However, if you are interested, send us your Request for free consultation and provide us with your minimum details.

We shall forward your request to the lenders and if it matches their profiles, the lenders shall contact you as soon as possible.

Good luck! :)
Posted on: 03rd Feb, 2007 01:08 am
IRS "tayxpayer advocate" says find a lender first. A subordination is no good if no one will lend you the money. I'm in NC, My credit should be great. all bills have allways been paid on time. I might have a few too many credit cards. I living with a construction loan that i was able to get with no qualifying documentation. In the mean time IRS hit me with a lien and now I'm having trouble getting perm financing from the same institution.
Posted on: 03rd Feb, 2007 04:42 am
Dan, I also agree with Adonis.

Before contacting any lender for the refinance of the mortgage, as it has a Federal Tax Lien on it, you should apply for a Certificate of Subordination of the Federal tax lien otherwise most lenders won’t agree to refinance because of the federal lien.

IRS will generally issue a certificate of subordination if the terms of the refinance loan will enhance your equity or facilitate the collection of the tax from your income.

As your request for subordination is for a refinance, Section 6325(d)(2) of the U.S. Code will be applicable. You can read the details provided on this page on how to prepare the application -

Posted on: 03rd Feb, 2007 08:07 pm
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