Homeowner: What is a Lien and can one effect me?

Let me take you on a journey. Imagine you're excitedly preparing to buy your first home. You've found the perfect place, and you're ready to make it yours. But then, you hear the term "lien" and wonder what it means for your dream home.

A lien is like a safety net for creditors. It gives them a legal claim on your property if you owe them money. Think of it as a way for them to say, "If you can't pay me back, I have a right to a part of your home." This might sound scary, but it's something you can navigate with a little knowledge.

Let me tell you about different types of liens you might encounter.