🧾 Understanding Property Liens and How They Affect Closings

When you're buying or selling a home, the word lien might sound intimidating — but understanding it can save you from last-minute surprises during closing.

🔗 What Is a Property Lien?

A lien is a legal claim against a property for unpaid debts. These can be for unpaid taxes, contractor bills, child support, or even HOA dues. Until the lien is resolved, it can block the sale or refinancing of the property.

⚠️ Why It Matters at Closing

If a lien is discovered during the title search, it must be paid off (or resolved) before the property can change hands. This can delay closing or, in some cases, cause a deal to fall through. That’s why title companies like MBS Title check for liens as part of the due diligence process.

✅ Protecting Yourself

As a buyer, title insurance can protect you from surprise claims after closing. As a seller, it’s important to clear any known liens before listing your property — or at least be prepared to address them during the process.