What can trigger a lien on a property?

A lien on a property is a legal claim against that property, typically used as security for debt. When a property owner uses their property as collateral for a loan or other financial obligation, it creates a mortgage lien. This means that the lender has a legal claim to the property should the borrower fail to fulfill their payment obligations.

Using the property to secure a debt ensures that the lender can recover their funds by selling the property if the borrower defaults. This is a common practice in real estate transactions, and the lien remains in place until the debt is repaid. Other actions, like selling or renting the property, generally do not create a lien themselves and usually do not invoke a legal claim against the property unless there's an associated debt obligation or specific legal agreement in place. Similarly, making repairs does not create a lien on its own; it may improve the property value but does not directly link to a debt that requires security through a lien.