Tax Debt Relief

Cash-Out Refinance for Tax Debt:
Pay IRS & State Tax With Home Equity

IRS tax debt carries 8%+ interest plus penalties — and the IRS can seize your home with a federal tax lien. A cash-out refinance pays off your tax debt, releases the lien, and replaces high-rate IRS interest with today's mortgage rates. Dream Financial Management since 1994.

Call (213) 536-9372

Pay Off Tax Debt With Equity

Release your IRS lien and lower your rate.

Free • Confidential • No Obligation

Tax Debt Solutions

Why Use Home Equity to Pay Tax Debt?

The IRS charges 14%+ effective interest — home equity can replace that with a 6-7% mortgage rate.

The Cost of Unpaid Tax Debt

IRS Failure-to-Pay Penalty 0.5%/month
IRS Interest Rate (Q3 2026) 8%+
Federal Tax Lien Blocks sale/refi
Bank Levy / Wage Garnishment Asset seizure risk
Total effective annual rate 14%+

These costs compound monthly — leaving tax debt unpaid grows fast.

Benefits of Paying Tax Debt With a Cash-Out

  • Replace 14%+ effective IRS rate with 6-7% mortgage rate
  • Release federal/state tax lien from your property
  • Stop IRS collection: levies, garnishments, asset seizure
  • One monthly payment instead of IRS installment + mortgage
  • Mortgage interest potentially tax-deductible

Release Liens

Free your property from federal or state tax liens

Lower Payments

Replace high IRS installments with one affordable mortgage

Stop Collections

Halt wage garnishment, bank levies, and asset seizure risk

Pay Off Tax Debt With Home Equity

Dream Financial Management helps homeowners use cash-out refinancing to resolve IRS and state tax debt — releasing liens and stopping collection. Since 1994.

Resolve Tax Debt With Equity — Free Call 213-536-9372
IRS Lien Removal Guide