Why is there a lien on my property?

A lien can appear on your property when money related to your home hasn’t been fully paid or resolved, or when your home is used to secure a loan.

There are many types of liens. Some of the most common include:

• Mortgage liens – placed by your lender until your mortgage is paid off

• Mechanic’s liens – filed by contractors or suppliers for unpaid work

• Tax liens – placed by federal, state, or local governments for unpaid taxes

• Judgment liens – resulting from a court decision

• HOA liens – for unpaid homeowners association dues or fines

• Medical or creditor liens – tied to unpaid medical bills, credit cards, or personal loans

Not all liens affect your ability to move forward. Point reviews each lien to understand whether it impacts your home equity or needs to be addressed before closing.