The IRS will subordinate the lien to allow other creditors to be ahead of them in order for you to obtain a loan or mortgage. If you need to refinance your house or do a loan modification you will need to request a lien subordination before the lender will refi your house. The lien desk will take 45-60 days to review the request. Therefore, do not put it off until the last minute because you will not meet the lender’s deadline.

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