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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.

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.

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Official resources

Verify the details for your own situation against these government and agency sources: CFPB Owning a Home guide and HUD homebuyer resources.

Related Mortgage Terms

Mello-RoosMello-Roos is a special tax used mainly in California to fund infrastructure. It is tied to certain newer developments. It adds to the tax bill.MortgageA mortgage is a loan used to buy or refinance a home. The home itself secures the loan.Mortgage BankerA mortgage banker is a lender that funds loans with its own money, then often sells them on the secondary market.
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