Lien What is a
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A Property Deed establishes the right to claim ownership of specific Property. Property ownership changes include the transfer of a Property Deed from a seller (called the Grantor) to a buyer (called the Grantee).

Every state uses a few different types of Property Deeds but they all include some common information about the Property including:
  • A description of the Property described in a way that it cannot be confused with another Property
  • The names of both the seller and buyer of the Property
  • The official date of the Property transfer
There are a few different kinds of Property Deeds. The different types are used to facilitate Property ownership transfer under the various conditions which may arise between a seller and a buyer. Most, but not all, Property Deeds are recorded.

A Lien on Property is a notice attached to the Property stating that a creditor claims that it is owed money by anyone who owns the Property.  A Property Lien is typically a public record. A Property Lien gives a creditor the right to seize or take Property if the Property owner is unable to keep up with payments or pay off debts.   Liens on Property are a common way for creditors to collect what they are owed.

The terms Lien and Encumbrance are often used interchangeably but there are differences. All Liens are Encumbrances but not all Encumbrances are Liens.

A Lien on Property uses the Property to secure a loan from a lender to a borrower. A Perfected Lien is a lien that has been recorded with a legal authority. For Property Liens, the lender usually files a Deed of Trust with whichever agency is responsible for recording Property Deeds. By filing and recording Liens a lender gains protection from other parties making claims against a Property. A Perfected Lien gives a lender priority in the event that the borrower fails to make payments on the Property.

An Unperfected Lien is a Lien that a lender has not filed with the correct legal authority. As a result other creditors can make claims on the property.

A creditor with a Perfected Lien takes priority as far as being paid for the secured debt over creditors with Unperfected Liens.

Deed in Lieu of Foreclosure
Deed of Trust
Fee Simple
General Warranty Deed
Gift Deed
Grant Deed
Life Estate Deed
Perfected Lien
Property Claim
Property Deed
Property Deed Transfer
Property Title
Quitclaim Deed
Real Property
Special Warranty Deed
Tax Deed
Unperfected Lien
We can get a certified copy of a Property Deed which has been filed anywhere in the US
House Deeds Online Click here to find out the details House Deed Online
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