Florida Hard Money Lenders To Refinance Florida Mechanics Liens, Judgments, Federal Tax Liens

Florida Hard Money Lenders To Refinance Florida Mechanics Liens, Judgments, Federal Tax Liens

The Truth is you can refinance any Florida lien!

Bad Credit Florida Mortgage Applicants call us regularly and ask, “Can I get a mortgage with bad credit?” ” I have a mechanics lien, Tax lien or Judgment or HOA judgment and I need a hard money loan. ” “Can you help me?”

The answer is “YES” we can help you if the following applies

  1. You have enough equity in your home.
  2. We can prove to the lender you have the ability to repay the loan.

You are lucky you found this webpage. As a Florida bad credit mortgage broker we have many options you will not find at your local bank. We have access to a nationwide network of Bad credit Florida lenders that help borrowers in tight situations.

ALL FLORIDA LIENS CAN BE REFINANCED Florida Liens can be consensual or non-consensual (also termed voluntary or involuntary in Florida ). Consensual liens are imposed by a Florida contract between the Florida lender and the debtor:

ALL FLORIDA LIENS CAN BE REFINANCED INCLUDING:

  • Refinance Florida mortgage liens
  • Refinance Florida mechanic’s liens
  • Refinance Florida Tax liens imposed to secure payment of a tax;
  • Refinance Florida Homeowner Association,
  • Refinance Florida HOA liens,
  • Refinance Florida HOA lien judgments,
  • Refinance Florida Collections
  • Refinance in Florida  for unpaid assessments to include Florida fines, refinance Florida late charges, refinance Florida interest, costs, and refinance Florida attorney fees; Florida Attorney’s liens, against funds and documents to secure refinance Florida late payments and fees;
  • Mechanic’s liens can be refinanced which secure payment for work done on Florida real estate  or land;
  • Judgment liens can refinance that are imposed to secure payment of a Florida final judgment refinance.

Refinance all Florida Liens including and not limited to “perfected” or “unperfected” Florida liens. Perfected Florida liens are those Florida liens for which a creditor has established a priority right in the encumbered property with respect to third party Florida creditors. Perfection is generally accomplished by taking steps required by law to give third party creditors notice of the Florida lien. The fact that an item of property is in the hands of the Florida lender usually constitutes perfection. Where the property remains in the hands of the borrower, some further step must be taken, like recording a notice in county records of the security interest with the appropriate local county recorders office.

Perfecting a Florida Liens is an important part of the task of protecting the secured creditor’s interest in the Florida real estate. A perfected Florida Liens is valid against bona fide purchasers of property, and even against a Florida trustee in bankruptcy; an unperfected lien may not be.

Florida Liens Enable Lenders to Affirm Certain Rights Over Your Real Estate

Unless the debtor has resolved the Florida collection, Florida judgment or Florida mechanics lien, there is a risk that the Florida collector can seize home. In order to know if your house is at risk. And,  if you own any Florida real estate it is imperative that you have an understanding of the different types of liens you may encounter.

Voluntary and Involuntary Florida Liens

Creditors, such as a Florida mortgage or car lender, can ask borrowers to secure the property as collateral as part of the loan approval condition. This type of voluntary lien allows the Florida lender to repossess the vehicle or foreclose on the borrower fails to make payments or breaks/breaches terms and conditions of the loan.

Creditors do not need a borrower’s consent before getting a lien, however. Some creditors can obtain such rights without your permission. These liens are known as “involuntary liens.”

Refinance Florida Creditors With Involuntary Liens

Florida lenders have the right to attach your property by law. Others can win Florida liens are granted in court. Some examples of involuntary liens. You can refinance any type of lien before it becomes a serious issue.

Refinance Florida Judgements For HOA Collection 

The HOA bylaws—and perhaps the Covenants, Conditions, and Restrictions (CC&Rs)—and state law often set out the collection methods that the HOA can use. Some of those methods include:

Refinance Florida Judgment Liens

Most unsecured creditors, such as the holders of credit card debt, medical bills, and personal loans, must first file a lawsuit, win the action, and get a money judgment before obtaining lien rights. With the judgment in hand, a judgment creditor can place a judgment lien on your real estate and occasionally on personal property depending on the state in which you live.

Refinance Florida Other Types of Florida Involuntary Liens 

Many creditors have a right to place a lien on your property without filing a lawsuit.

Refinance Florida Property Tax Lien 

Usually, a property tax lien takes priority over all other mortgages or liens on the property, even if the property tax lien was placed on the property after the other liens. If the taxes are not paid, the government can have your property sold to pay the property taxes. The government must follow whatever procedure the state prescribes, and you may have the opportunity to pay the taxes and costs and get your property back even after the “sale.” If you don’t pay your taxes, to protect its mortgage, the lender will usually pay the taxes and add that to your mortgage debt.

Refinance Florida IRS Liens

If you fail to pay back taxes after receiving notices, the IRS can place a lien on all of your property. If you’re unemployed, self-employed, or sporadically employed and the IRS would have trouble attaching your wages, the IRS might consider this the first line of defense. A creditor with a property lien is in the favorable position of waiting until the owner sells or refinances the house—then they’ll get paid automatically. Because the IRS doesn’t like to wait, it might force a sale if the amount you owe is substantial. For more information on dealing with IRS liens, see Stand Up to the IRS, by Erica Pless and Frederick W. Daily (Nolo).

Refinance Florida Child Support Liens

If you owe a lot in child support or alimony, the recipient can put a lien on your real estate. The lien will stay until you pay the support you owe, until you sell or refinance your property, or until the recipient forces a lien sale, whichever happens first.

Refinance Florida Mechanic’s Liens

When you hire a contractor to perform a service, such as a home improvement project, and you fail to pay the bill, you might find yourself with a lien filed against the property that will likely be satisfied when the home is sold. In most states, the contractor must record the lien within one to six months of not being paid. The contractor then must sue you to enforce the lien within about one year (the range is one month to six years, depending on the state). If the contractor wins the lawsuit, the contractor may be able to force the sale of your home.

Refinance Florida Family Law Real Property Lien

In a California marital action, a spouse can file a lien a community real estate interest to secure payment of attorney fees in the action. The lien affects only the filing spouse’s interest in the property. (Cal. Fam. Code § 2033.)

Different Collection Lien Types Provide Florida Lenders with Different Collection Rights

Florida lenders have 2 two basic collection types: secured collector and unsecured Florida collections. The debt amounts may be the same, the remedies available to the Florida creditor are very different. Secured Florida creditors have a claim against a specific asset usually Florida real estate, whereas unsecured Florida lenders or creditors do not.

Florida creditors can be unsecured or secured by Florida real estate. An unsecured, or general, the creditor has a general claim against a debtor this claim is not secured by any particular asset of the debtor. An unsecured creditor has the weakest claim, which may go unpaid in as a collection or discharged in a Florida bankruptcy. However, an unsecured creditor may become a secured if the creditor filed a lawsuit and judgment is granted. A secured creditor, who has an interest in Florida real estate is referred to as a  lien. Florida lenders can use the court system to seize the asset and to satisfy the collection debt. This clearly presents a significant risk for a Florida homeowner.

Latest pages

Show Buttons
Hide Buttons