USA Refinance mortgage rate with IRS lien

[deli]

In a pickle. I need to refinance my mortgage in order to pay my IRS debt. Will the lender give me a higher interest rate because of the lien? I have more than enough equity in my home and I have a good to very good credit score. With the new law, the lien cannot affect my credit score, but can it affect the interest rate that I get?

 

[kirby]

I suggest you discuss with more than one lender to see what rate they will assess you prior to starting the full blown loan process, which usually involves you paying a loan fee.

 

[bklynboy]

Interest rate is usually dependent on credit score and finances. I am not aware of a bank ever looking at liens or other title concerns when refinancing - that usually comes into play for new purchases. Go to banks and get a loan quote and dont bring up the lien item,