Lien Searches

Buying a house? Don't get caught off guard by surprise liens! A lien search acts like a property detective, uncovering any outstanding financial claims that could snag your dream home purchase.

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What is a Lien Search?

Imagine a magnifying glass examining public records. A lien search meticulously combs through government databases to identify any liens attached to a property. These liens are essentially claims against the property for unpaid debts, like:

• Mortgages: The most common lien, held by the lender who financed the purchase.

• Taxes: Unpaid property taxes can result in a government lien.

• Judgments: Legal judgments against the owner can create a lien.

• Mechanic's Liens: Unpaid contractors or suppliers may file liens.

• HOA Dues: Unpaid homeowner association fees could lead to a lien.

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Why is a Lien Search Important?

A hidden lien can throw a wrench into your real estate transaction. By uncovering these claims upfront, a lien search allows you to:

• Negotiate a Lower Price: If a lien exists, you may be able to negotiate a lower purchase price to account for the outstanding debt.

• Ensure Clear Ownership: A clean lien search report verifies you're buying a property free of financial burdens.

• Protect Your Investment: Knowing about potential liens allows you to make informed decisions and avoid unexpected financial surprises.