The Two Types of Real Property Liens

Real property liens are legal claims placed against a debtor's (lienee's) real property by lenders, creditors, and government agencies (lienors) to secure payment of a debt. The two types of real property liens are:

1. Voluntary liens: Voluntary liens are placed against the title to real property with the owner's consent, such as mortgage or deed of trust loans.

2. Involuntary liens: Involuntary liens are placed against the title to real property as a result of legal action by a creditor, lender, or government agency such as federal and state income tax liens, property tax liens, and mechanics' liens.

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