How Liens Affect the Sale of Your Home

If you’re preparing to sell your home, one potential roadblock you might face is a lien on your property. Liens can slow down — or even prevent — a sale if they’re not addressed early.

At Arizona Premier Title, we help sellers identify and resolve liens quickly so the transaction can move forward without costly delays.


What Is a Lien?

A lien is a legal claim placed on your property by a creditor as security for a debt. It essentially says, “You can’t sell or refinance this property until this debt is paid or resolved.”


Common Types of Liens

  1. Unpaid Property Taxes – Local governments can place a lien if you’ve fallen behind on property taxes.

  2. HOA (Homeowners Association) Liens – Unpaid HOA fees or special assessments can result in a lien.

  3. Mechanic’s Liens – Contractors or suppliers may file a lien for unpaid work or materials.

  4. Judgment Liens – Result from a court ruling when you owe money from a lawsuit or legal dispute.


How Liens Impact the Sale

  • Delays Closing – The title company can’t transfer ownership until the lien is released.

  • Reduces Seller Proceeds – Lien amounts are paid from your sale proceeds before you receive your funds.

  • Scares Off Buyers – Buyers may hesitate to proceed if the title isn’t clear.


How to Resolve Liens Before Selling

  • Pay the Debt – The fastest way to clear a lien is to pay what’s owed.

  • Negotiate a Settlement – Some creditors may agree to accept less than the full amount.

  • File a Release – Once paid, ensure a lien release is filed with the county recorder’s office.

  • Work With Your Title Company – They can help identify liens early and guide you through resolution.


The Bottom Line

Liens don’t have to stop your home sale — but they must be paid or cleared before closing. Addressing them early ensures a smoother transaction and protects your sale timeline.

At Arizona Premier Title, we help sellers uncover and resolve liens so they can close with confidence and without last‑minute surprises.