A construction lien freezes everything it touches — closings, refinances, draws. A discharge bond swaps the surety's guarantee for the property, so the lien comes off the title. Flat 3%, 48-hour underwriter response.
















Every day the lien sits on the title costs you leverage, interest, or a closing date. Here's the entire process:
The application plus a copy of the recorded claim of lien and any court documents — that's the file. Send documents to underwriting right after you submit; everything is reviewed together.
A licensed underwriter reviews the lien, the dispute, and your file. Larger or heavily contested liens can require financials — you'll get one checklist, once.
The executed bond is recorded with the recorder for the district where the lien was filed, the property is freed from the claim of lien, and your closing, refinance, or draw schedule starts moving again.
Bond amount × 3% = your premium, one-time, $275 minimum. A $100,000 lien means a $150,000 bond under Alaska law — $4,500.
When a contractor, sub, or supplier records a claim of lien, the property itself becomes their security. Until it's resolved, title companies won't close, lenders won't fund, and draws stop. Alaska's lien law (AS 34.35.072) lets the owner, prime, or subcontractor swap the property out and a surety bond in — at 150% of the lien amount.
The property is then freed from the claim of lien. The dispute itself continues — bonding off a lien is not paying it and not admitting it's valid. If the lienor ultimately recovers on the claim, the bond pays the sum claimed plus the claimant's reasonable cost of suit; if they don't, it expires with the dispute.
That makes this the rare bond bought for leverage: you stop negotiating with your closing date held hostage and start negotiating on the merits of the claim.
Submit the application, then send the recorded claim of lien and any court documents to underwriting — a licensed underwriter reviews the full file and responds within 48 hours.
Start the application →If yours isn't here, the bond team can usually answer within the hour.
Five-minute application, flat 3%, underwriter response within 48 hours. Your attorney records; the project moves.