The process begins with a property information request. Either by phone or through our website contact form. Where we gather the property address, estimated lien amount, and property condition details. We conduct a title search to verify all liens and provide a written cash offer within 48 hours. If you accept the offer, we open escrow with a Clovis title company, coordinate lien payoff amounts with Curry County, and schedule closing within 7-14 days. You receive net cash at closing after all liens are satisfied, with no repairs, cleaning, or staging required before the sale.

Your net cash proceeds equal our purchase offer minus the total lien payoff amount, closing costs, and any other encumbrances on the title. We calculate offers based on current Clovis market values for comparable properties in similar condition, then subtract estimated repair costs and our acquisition costs. If your tax lien is $12,000 and our offer is $85,000, you would receive approximately $70,000-$72,000 after lien payoff and standard closing costs of $1,000-$2,000. We provide a detailed net proceeds estimate in writing before you commit to the sale.

Selling a property with tax liens during an active bankruptcy requires approval from the bankruptcy trustee and the court, regardless of whether you use a traditional sale or cash buyer. Home Helpers has experience working with bankruptcy attorneys and trustees in New Mexico to structure sales that comply with bankruptcy code requirements. The process typically adds 2-4 weeks to the timeline as we await court approval of the sale terms. Contact us with your bankruptcy case details and we can coordinate directly with your attorney to determine feasibility.

Unpaid tax liens in New Mexico accrue interest at 1% per month (12% annually) plus penalties, and after three years of delinquency, Curry County can initiate foreclosure proceedings. Once a tax lien foreclosure judgment is obtained, the county schedules a public auction where the property is sold to the highest bidder. Often for the lien amount plus costs. And you lose all ownership and equity. Any equity above the lien amount may be returned to you after the foreclosure sale, but this outcome is rare in practice. Selling before foreclosure preserves your equity and avoids the credit damage of a foreclosure judgment.

No repairs are required when selling to Home Helpers. We purchase properties in as-is condition, meaning we accept deferred maintenance, structural damage, outdated systems, and cosmetic issues without requiring any seller remediation. This eliminates the $8,000-$15,000 average repair cost that traditional Clovis buyers typically demand before closing. Our offer accounts for the property's current condition, and we handle all post-purchase repairs ourselves.

We close We Buy Houses With Tax Liens Clovis transactions in 7-14 days from offer acceptance, depending on title search completion time and lien payoff coordination with Curry County. Cash purchases eliminate mortgage underwriting delays and appraisal contingencies that extend traditional closings to 30-60 days. If you have an urgent timeline. Such as an approaching foreclosure date. Contact us immediately and we can often expedite closing to as little as 7 days with prioritized title work.

You pay no real estate agent commissions when selling directly to Home Helpers, saving the typical 5-6% commission cost that traditional sales incur. Standard closing costs. Including title insurance, escrow fees, and recording fees. Total approximately $1,000-$2,000 and are deducted from your proceeds at closing. We provide a detailed closing cost estimate in your written offer so you know your exact net proceeds before agreeing to the sale. There are no hidden fees, inspection charges, or repair deductions beyond what is disclosed in the original offer.