Sell your house when you’re
behind on property taxes.

Can you sell a house with back property taxes?

Yes. You don't have to catch up on the taxes before you sell. The back taxes are paid from the sale at closing, and the rest of the money is yours.

Falling behind on property taxes happens more than people think. A job loss, a medical bill, a divorce, or an inherited house nobody budgeted for, and a year or two can slip by. The longer it goes, the more interest and fees build up, and the closer the house gets to a state auction.

Selling the house before that point puts you back in control. You choose the buyer, the price, and the date. You keep the equity that's left after the taxes and any loans are paid.

How does it work?

When you accept our offer, a local title company runs a title search. That search shows the back taxes, the mortgage, and any liens. At closing, the title company pays each one from the sale, then pays the rest to you. You'll see every number on the settlement statement before you sign.

We've closed in as few as 3 days when the title is clear. If a deadline is coming up, tell us on the first call.

When are property taxes due in Bernalillo County?

Property taxes for Albuquerque homes are billed by the Bernalillo County Treasurer. According to the Treasurer's Bernalillo County Treasurer: Important Property Tax Dates:

• November 1: property tax bills are mailed.
• November 10: the first half is due.
• December 10: late fees start on any unpaid first-half balance.
• April 10: the second half is due.
• May 10: late fees start on any unpaid second-half balance.

If you're not sure how much you owe, you can look up your tax record on the Treasurer's website.

What happens if you don't pay?

Unpaid taxes keep adding interest and late fees. If the taxes stay unpaid long enough, the state can sell the property.

According to the Bernalillo County Treasurer's Bernalillo County Treasurer: State Property Sales/Auctions page:

• The State of New Mexico only auctions property when taxes have been delinquent for three or more years.
• The auctions are run by the state Taxation and Revenue Department, Property Tax Division, in the county where the property is.
• New Mexico and its counties do not hold tax lien, tax certificate, or tax deed sales.

In other words, there's time to act, but the clock is running. Selling before an auction lets you decide the price and keep your equity.

What are your options?

You have more than one way out. Most people we talk with are weighing these:

• Pay the balance. If you can catch up, the problem goes away. Contact the Treasurer's office for your exact amount.
• Borrow against the house. A refinance or a loan can cover the taxes, if you qualify and can afford the new payment.
• Sell the house. If keeping the house no longer makes sense, selling pays off the taxes and puts your remaining equity in your pocket.

If selling is the right move, we can make you a cash offer quickly. If it isn't, we'll tell you so.

What about Rio Rancho and Los Lunas?

The same idea applies, but the office is different. Rio Rancho homes are in Sandoval County, so taxes are paid to the Sandoval County Treasurer. Los Lunas homes are in Valencia County. Either way, the back taxes are paid from the sale at closing.

See our pages for Rio Rancho and Los Lunas.

Do you buy the house as-is?

Yes. When taxes fall behind, repairs often fall behind too. We buy houses with:

• Roof leaks, cracked stucco, or old swamp coolers
• Plumbing, electrical, or heating problems
• Rooms full of belongings
• Tenants who aren't paying
• Unfinished projects or unpermitted additions

You don't need to fix or clean anything. We take care of it after closing.

How do you decide your offer?

We look at the location, the house, recent sales nearby, and the cost of repairs. Then we make the highest fair cash offer we can stand behind. We'll also show you what the back taxes and any loans look like next to the offer, so you know about what you'll walk away with.

What does it cost to sell to us?

• No listing commission.
• We pay your standard closing costs.
• No repair bills, no cleanup, no staging.

The back taxes, any mortgage, and any liens are paid from the sale. That's true no matter who buys your house.

Who is buying my house?

Peak Solutions LLC is a real estate investment company based in Albuquerque. We buy and renovate homes across the metro. We may buy your house ourselves or work with another investor. Either way, you'll know exactly who is buying before you sign anything.