Learn Everything About How to Find Liens on A Property

Buying a new house can be a nerve-wracking, complicated affair. There is a long list of things to keep track of, including finding liens that may be on the property you are purchasing. Home buying involves a lot of worries; finding liens on a property is essential to rule out further challenges in the future. CertSimple can help you with a property lien search, as well as HOA and property tax certificates to ensure that you have complete information to protect you from anyone claiming a right to your property. 

What Is a Lien? 

Before learning more information about how to check liens on a property, let’s learn what a lien is and how it works. A lien gives a legal claim to an asset. Your asset includes any property, including a home. These are not just simple payments: a lien is a financial claim that is placed by a company or a person. You won’t be able to sell such property unless you pay the claim. When the lien on a house is paid, the creditors can remove a lien from the property.

Types of Liens

Learn more about how to find liens on a property by looking at the different liens that can be placed on a property. Common types of liens include the following:

• Mortgage Lien: Mortgage liens are placed on any property that has a mortgage. An expert can help you with the process of how to check for liens on a property, especially a mortgage lien. 
• Judgment Lien: If you were involved in a lawsuit, you lost the case, and you wouldn’t pay the damages then a lien can be placed on your property. A thorough property lien search can help you in finding complete information regarding the judgment lien. 
• Mechanic’s Lien: If you fail to pay for your home improvement, the contractor can place a mechanic’s lien on your property. In case you attempt to sell your place, you will have to pay the dues to the contractor.
• Tax Liens: If you fail to pay the taxes on your property, the government and state have the right to place a lien against your property. How to find liens on a property? The answer is simple: you can always hire experts to search all liens and save you from any future troubles. 

How Can I Find Out If There Is a Lien on My House? Here’s The Answer

Now, you may be wondering how to find liens on a property. You can get the information easily as property liens are available as public records. Finding liens on a property is very easy if you know the address. Here are some search options:

• Searching the clerk, county recorder, or assessor’s office website. You can learn all the information if you have the name of the owner or the address of the property.
• You can also personally go to the office of the county clerk, recorder, or assessor. 
• Getting in touch with a title company is another effective way of getting a property lien search done.

How to Remove a Lien on a House

To remove a house lien, you have to settle the debt. Homeowners selling their property can pay off the debt using the money from the sale. This way, they can remove the lien at closing. Property lien search information helps in getting all the claims cleared by the responsible party in a timely and effective manner. You will have to remove the record by applying for lien release at the clerk’s office. 

When purchasing your first house, finding liens on a property is as necessary as the IRS releasing liens within 30 days of paying the debt. Until you pay off the debt, a lien against your property will prevent you from selling it. If you are thinking about how to check for liens on a property, a reliable expert’s search can help you. You can consult an attorney if you don’t believe you owe the debt for which the lien is attached. After finding out how to find liens on a property, don’t forget to add complete information in the release-of-lien form, including the lien holder’s name, your name, proof of payment, address of the property, and a description.

Get in Touch with CertSimple

As your trusted partner, we provide complete closing solutions, whether you seek a title search or a property lien search check. Our professionally skilled team ensures accurate, efficient, and effortless service. Our services are provided in all 254 counties of Texas, including the following areas:

• Dallas, TX 
• Houston, TX 
• Austin, TX 
• San Antonio, TX 
• Fort Worth, TX 

Ensure that the property is free from defects by hiring our experienced team to perform a complete property lien search.