How do I discover liens on a property?

If you are purchasing a home you want to find out if there are any liens on aproperty.  This is accomplished by ordering a preliminary title report.  This report can be ordered through escrow's title department and will provide you a list of any existing liens on the property.  Typically you'll have a mortgage listed if one currently exists, but you may also find a tax lien, alamony lien, or even liens for unpaid medical expenses.  In addition the preliminary title report should also determine if there are any unpaid property taxes. 

Once it is determined what liens exist on a property your Realtor should be able to confirm with the escrow officer that those liens will be paid off at closing.  To ensure that there are no missed liens it is a good idea to get title insurance so that you will not be caught off guard should liens go unreported. 

If you have any other questions on this topic please contact us (808) 739-4174 | www.choicehomeshawaii.com.  We'll be glad to help. 

About the Author
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Brandon Lau grew up in Kailua and currently resides in Honolulu with his wife Andee and children Caylah, Elijah, and David. His eighteen years in real estate led him to become a Partner at ChaneyBrooks Choice Advisors. Over the past 10 years he has developed the team and systems that has created a high level of service and value for his clients.

What differentiates Brandon and his team is his consultative approach to real estate. He advises clients with relevant data and expert insight to help them make the best choices in real estate. Good choices in planning for long term dispositions, negotiating for the best price or knowing when not to pursue an investment are ways his consultative services will give you an advantage in the marketplace. His bottom line is providing service with the utmost integrity and expertise.