Zillow Advice: FHA and VA Loans - Is it possible to get a home loan when you have an IRS Tax lien? Thanks http://www.zillow.com/advice-thread/Is-it-possible-to-get-a-home-loan-when-you-have-an-IRS-Tax-lien-Thanks/524211/ Zillow Advice | Zillow Real Estate IRS Tax Liens are (by Law) ... http://www.zillow.com/advice-thread/Is-it-possible-to-get-a-home-loan-when-you-have-an-IRS-Tax-lien-Thanks/524211/ IRS Tax Liens are (by Law) automatically subordinated to primary residence first mortgage liens.  Depending on lender, you may have to have a payment agreement in place.  Whether a seasoning of payments is required is again lender specific.  Also, a Non-collectable agreement with the IRS is acceptable, subject to lender. Sun, 12 Jan 2014 19:23:00 GMT http://www.zillow.com/advice-thread/Is-it-possible-to-get-a-home-loan-when-you-have-an-IRS-Tax-lien-Thanks/524211/ 2014-01-12T19:23:00Z The tax lien would need to ... http://www.zillow.com/advice-thread/Is-it-possible-to-get-a-home-loan-when-you-have-an-IRS-Tax-lien-Thanks/524211/ The tax lien would need to be removed by paying off balance or entering into a payment agreement with IRS and having  them remove it. Typically 3-6 months of payments would need to be paid to qualify for mortgage financing with agency and gov't loans.  Contact IRS and discuss options. Sun, 12 Jan 2014 19:00:00 GMT http://www.zillow.com/advice-thread/Is-it-possible-to-get-a-home-loan-when-you-have-an-IRS-Tax-lien-Thanks/524211/ 2014-01-12T19:00:00Z