topic Re: Tax Lien Filed in Error in Mortgage Loans

Tax Lien Filed in Error

800goal800 — Fri, 25 Mar 2022 00:47:43 GMT

I had a IRS tax lien that was filed in error and removed by them. It's still public I'm assuming. Would this show up in an search done by a bank and under what search service.?

Re: Tax Lien Filed in Error

Anonymous — Fri, 25 Mar 2022 07:58:58 GMT

If it's removed then it shouldn't show up. If there is a federal tax lien then it would appear on your credit report or title of a home you own, but seeing you're a first time buyer this wouldn't apply to you.

In underwriting we check what's called CAIVRS and run a mortgage FraudGuard. The public does not have access to these, but if there's a hit your processor will notify you with the information on who to contact. Best of luck to you and don't overthink it the loan process.

Re: Tax Lien Filed in Error

donkort — Fri, 25 Mar 2022 20:08:19 GMT

Do you have documentation that the lien was imposed in error?

Re: Tax Lien Filed in Error

800goal800 — Fri, 25 Mar 2022 20:40:12 GMT

The actual form submitted to Recorder of Deeds is a " Withdrawal of Filed Notice " which I had to ask for. As an aside, this should up when I was applying for a job and the search companies information from my town had "filed in error "

Re: Tax Lien Filed in Error

donkort — Fri, 25 Mar 2022 20:41:48 GMT

I would think that if you have this form in your possession----that this wouldn't be a problem.

If you are able, send it to your loan officer before they do automatic underwriting.

Re: Tax Lien Filed in Error

800goal800 — Fri, 25 Mar 2022 20:47:00 GMT

It will be manual underwriting I know. But they haven't asked or inquired about it.

Re: Tax Lien Filed in Error

donkort — Fri, 25 Mar 2022 20:58:13 GMT

I had to prove that my tax lien was paid ON THE DAY OF MY CLOSING. The tax lien was from 1997, and I closed in 2009

I would call your loan officer for advice on this.

Re: Tax Lien Filed in Error

800goal800 — Fri, 25 Mar 2022 21:04:09 GMT

I do have the legal forms from the courthouse to show if needed. They are copies of the filing and withdraw submitted by IRS.

Re: Tax Lien Filed in Error

donkort — Sat, 26 Mar 2022 00:15:22 GMT

Yep....that would be a good idea...just in case.

It's better to be overly cautious than not cautious enough.