IRS Tax Lien

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    While in the home purchase program I learned the IRS had a Tax Lien on my account from 2015. I established a payment plan with them and they are willing to subordinate the Lien to the 2nd position. Does anyone know if this will negate my ability to continue moving forward with obtaining a NACA loan? With a conventional loan I was told I just needed to show a month of making payments and they would add the payment amount to my DTI calculation. Does NACA operate the same?


    Hello Turnec02,

    The NACA program requires that the payment plan must have been in place 12 months, and paid on time, plus it must be added to the active debts, and thus your DTI, if there are more than ten payments yet to be made before it is paid off.

    Tim Trumble
    Online Operations, NACA

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