Sell House With Medicaid Lien in Bonham — Your Options Explained
A judgment lien, a bankruptcy filing, or a Medicaid lien on your Bonham property doesn't have to stop a sale. These are title issues we work through at closing regularly.
Here's Exactly How We Buy Houses in Bonham
Request a Free Cash Offer
Give us the address and a quick picture of the situation. We've seen everything, so there's nothing that'll surprise us.
Review the Offer — No Obligation
Our offer is based on comps in your specific area and an honest assessment of condition. We present it in writing with no expiration pressure.
Pick Your Closing Date and Get Paid
You pick the closing date. Five days or sixty — we work around your schedule, not the other way around.
The sellers who benefit most from working with us in Bonham tend to have specific situations: foreclosure, probate, divorce, relocation, or a property that needs work they can't afford to do. If any of those describe you, we can usually help.
We hear from Bonham sellers at every stage of the decision process — some who are ready to move immediately, some who are still weighing options, some who just want to know what their house would be worth in a cash sale. All of those conversations are welcome. There's no requirement to be ready to sell before you talk to us.
Why Bonham Sellers Trust Texas Property Offer
What sets us apart from other cash buyers in Bonham:
- We close on the date we agree to
- No deductions or surprises at closing
- Deep knowledge of Fannin County real estate values
- Experience with estates, divorces, foreclosures, and tenant situations
- You talk to the person making the decision — not a call center
Medicaid Liens and Selling an Inherited Bonham Property
Texas participates in the federal Medicaid estate recovery program, which requires the state to seek reimbursement for Medicaid costs paid on behalf of recipients who were 55 or older when they received benefits. After a Medicaid recipient passes away, the Texas Health and Human Services Commission can file a claim against the recipient's estate — including real property — to recover those costs.
For heirs who inherit a Bonham property from a parent or grandparent who received Medicaid benefits, this means the estate may owe HHSC before the property can be cleanly distributed to heirs. The claim amount is based on what Medicaid paid, capped at the value of the estate assets. If the property is sold, the HHSC claim is paid from the proceeds at closing like any other lien.
Exceptions and How We Handle Medicaid Lien Properties
Texas Medicaid estate recovery has exceptions — surviving spouses, minor children, and disabled heirs may qualify for hardship waivers or deferrals. An estate attorney can advise on whether a formal challenge to the HHSC claim is appropriate in your situation and what that process looks like.
If the HHSC claim doesn't exceed the property's equity, the sale proceeds pay it off at closing and heirs receive what remains. We've handled Bonham property sales with Medicaid liens and know how to coordinate with HHSC, the estate attorney, and the title company to get the property sold cleanly. If you've inherited a Bonham property that has a potential Medicaid estate recovery claim, contact us for a free evaluation — we'll work through the process with your attorney.
Bonham, TX Neighborhoods We Serve
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