Lien Subordination Services – Unlock Your Equity and Move Forward

When the IRS places a tax lien on your property, it becomes a senior claimholder, meaning any future loans or refinancing must satisfy the IRS lien before the lienholder can access their funds. This can make it nearly impossible to tap into your home equity, secure a mortgage, or refinance at competitive rates. At Perfect Tax Relief, we work with both the IRS and your lender to obtain a Lien Subordination, which reorders the priority of liens—allowing your new lender’s lien to take precedence over the IRS lien without removing or reducing your tax debt.

IRS liens typically arise when tax liabilities go unpaid for an extended period, and the IRS files a Public Notice of Federal Tax Lien. Even a small outstanding balance can trigger a lien, and once recorded, it attaches to all of your real and personal property. Left unaddressed, a tax lien can derail your financial plans: you may face higher interest rates, loan rejections, and damage to your creditworthiness. Subordination doesn’t eliminate your IRS debt, but it frees up financing options and restores your buying power while you continue to resolve the underlying tax liability.

Our lien subordination process includes:

1. Assessing Eligibility – We evaluate your current IRS balance and payment history to ensure you meet IRS subordination criteria.
2. Negotiating with the IRS – We prepare and submit the required Form 14134 (Application for Certificate of Subordination) along with supporting documentation, demonstrating that subordination serves both the IRS’s and your lender’s interests.
3. Coordinating with Your Lender – We liaise directly with your mortgage or refinance lender to ensure all requirements are met and the new lien position is approved.

With Perfect Tax Relief handling your lien subordination, you regain access to critical financing opportunities—whether you’re purchasing a home, refinancing for better rates, or funding a business expansion—without waiting for the IRS debt to be paid off in full. Let us help you unlock your property’s equity and achieve your financial goals.