Lien
Direct definition
A legal claim against a property used as security for a debt or obligation.
Written by the Vabasso Mortgage Editorial Team · Reviewed against agency and federal sources · Read our editorial policy for how we research and review mortgage content
Plain-English explanation
Mortgages, tax bills, unpaid contractors, and judgments can all create liens. Liens must generally be satisfied before a property can be sold with clear title.
Why it matters
Liens can block a sale or refinance until resolved.
Where you may see it
- Title commitment
- County records
- Credit report
A real-world example
A $3,000 mechanic's lien from an unpaid contractor must be paid at closing before a clean title can transfer.
Educational and illustrative only
A common misunderstanding
A lien is not the same as owning a debt outright against the property owner personally — it's a claim attached specifically to the property.
Ask Vabasso AI
This glossary provides general educational information. Mortgage terminology, qualification methods, forms, timelines, fees, program rules, and legal meanings may vary by lender, investor, loan program, property, occupancy, state, and transaction. Definitions do not represent loan approval, legal advice, tax advice, or a commitment to lend.
- Author
- Vabasso Mortgage Editorial Team
- Reviewed by
- Vabasso Mortgage Licensed Advisory Team
- Last reviewed
- July 30, 2026