How to Find and Remove Liens on a Property: A Guide for Home Buyers
Imagine you’re searching for your dream home, only to find out there’s a lien on it. Liens are legal claims attached to the property, not the owner, which can lead to complex obligations that stay with the home.
How to Find Property Liens
To avoid purchasing a home with hidden debts, follow these steps:
Search Public Records: Use county recorder or assessor websites to look up liens. This is usually free, though there may be a fee for official document copies.
Conduct a Title Search: A title search verifies ownership and identifies liens. You can hire a title abstractor for an in-depth report on the property’s history.
Check Credit Reports: Some liens appear on credit reports, though tax liens do not.
Work with a Real Estate Agent: Agents can run a title search, helping ensure a clear title before purchase.
How to Remove a Lien on a Property
If you find a lien, here’s how to address it:
Pay Off the Lien: Once settled, the lien holder should file a release with the county recorder.
File a Dispute: If the lien is invalid, gather documentation and work with a real estate attorney if necessary.
Request a Lien Release: After paying, request a satisfaction of lien from the lien holder, then file it with the recorder’s office.
Types of Property Liens
Mortgage Liens: Remain until a mortgage is paid.
Income Tax Liens: The government claims your property if income taxes are unpaid.
Property Tax Liens: Local governments place liens for unpaid property taxes.
Judgment Liens: Result from court judgments.
The Bottom Line
Check for liens early in the buying process to avoid unexpected debt. At V Nation Corp®, we can assist you with the mortgage and provide the expertise needed to navigate homeownership confidently.
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