Mortgage Glossary
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.
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