What is a lien?
A lien is a legal claim a creditor places on property to secure payment of a debt.
Why it matters
A lien can block a sale or refinance until the debt is paid, so buyers always check for them.
Common confusion
A lien is not ownership — it is a security interest that rides on top of the title.
Frequently Asked Questions
Who can put a lien on my house?
Creditors such as contractors, tax authorities, or lenders can, after following a legal process.
Does a lien mean I lose my home?
Not by itself. It must usually be paid or resolved before the property can be sold free of it.
How do I remove a lien?
Pay the underlying debt and record a release, or challenge it in court if it is invalid.