What is a property lien?

Whether buying or selling property in Georgia, due diligence is a must. This is why many people involved in real estate transactions perform title searches to make sure there are no property liens associated with a home. Realtor.com provides more information on property liens and how you can check for one.

A property lien is a legal notice of debt that is attached to a property. They can be caused by a variety of debt, including unpaid taxes. They can also be assessed against newly constructed homes. For instance, if the contractors that built the property were not paid upon completion, there could be a lien on the books. Liens make it harder to sell and refinance the property and also cause many buyers to walk away from the transaction in fear that they will be saddled with the debt.

The first step to determining whether a property has a lien against it is to perform a title search. You can perform a title search on your own by visiting the website of the county clerk or recorder in your area. Once you input the address, you’ll be privy to all judgments and other issues, as these are public information. You can work with a title search company as well, but you must pay a fee for this service.

If the home you plan on buying has a lien linked to it, there are a few options you can take. First, ask the seller if he or she would be willing to pay off the debt to remove the lien. Once the debt has been paid the lien will most likely be released, which leaves you free and clear. If the seller is unwilling or unable to cover the debt, you can also pay it off with your own money. This is not an option for everyone however, especially when considering how expensive the home buying process actually is.

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