Mechanic's Lien
Defined by Onias Derilus, Mortgage Capital · NMLS# 1859012 · Florida licensed mortgage broker
A mechanic's lien is a claim a contractor or supplier can place on a property for unpaid work or materials.
What Mechanic's Lien means
If a property owner does not pay for improvements, the lien can cloud the title and must be cleared before a sale. Title searches uncover them. Florida law sets strict deadlines for filing and enforcing these liens.
Florida example
A title search on a renovated Fort Lauderdale home revealed a mechanic's lien from an unpaid roofer. The seller satisfied it before closing so the buyer got clear title.
What it is
A mechanic's lien is a claim a contractor can place on a home for unpaid work. It attaches to the property, not just the person.
It must be cleared for a clean title.
Why it matters
A mechanic's lien can block a sale or refinance until it is paid. A title search reveals one.
We help spot and resolve liens early. Reach out and we will keep your closing on track.
Verify the details for your own situation against these government and agency sources: CFPB Owning a Home guide and HUD homebuyer resources.