AZ mechanic's lien discharge bonds.
Clear the title. Keep moving.

A mechanic's 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.

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Discharges the lien without paying the claim — you keep every defense you have

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Arizona sets the bond at 150% of the lien amount (A.R.S. § 33-1004)

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Same rate for everyone — 3% flat, posted, no leverage games when you're in a hurry

48 hrsunderwriter responseA-ratedA.M. Best carriers$50Maggregate capacity

Trusted by industry leaders

How it works

From frozen title to discharged lien.

Every day the lien sits on the title costs you leverage, interest, or a closing date. Here's the entire process:

TODAY · 5 MINUTES

Apply + send the lien documents

The application plus a copy of the recorded lien and any court documents — that's the file. Send documents to underwriting right after you submit; everything is reviewed together.

WITHIN 48 HOURS

A human underwrites it

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.

ON APPROVAL

Record & discharge

The executed bond is recorded with the county recorder where the property sits, the lien is discharged from the property, and your closing, refinance, or draw schedule starts moving again.

The whole pricing page.

Bond amount × 3% = your premium, one-time, $275 minimum. Arizona requires the bond at 150% of the lien — a $100,000 lien means a $150,000 bond, or $4,500.

$50,000 lien → $75K bond

$2,250

$100,000 lien → $150K bond

$4,500

$500,000 lien → $750K bond

$22,500

About this bond

What it is and who needs it.

What a discharge bond actually does

When a contractor, sub, or supplier records a mechanic's lien, the property itself becomes their security. Until it's resolved, title companies won't close, lenders won't fund, and draws stop. Arizona's lien-discharge statute lets you swap the property out and a surety bond in — recorded at 150% of the lien amount.

The lien is then discharged from the real estate the moment the bond is recorded. The dispute itself continues — bonding off a lien is not paying it and not admitting it's valid. If the lienor ultimately proves the claim, the bond pays; 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.

A.R.S. § 33-1004Arizona's mechanic's-lien discharge statute (A.R.S. § 33-1004) lets an owner, contractor, subcontractor, mortgagee, or other lien creditor record a surety bond at 150% of the lien demand with the county recorder. On recordation, the property is discharged of the lien — whether or not the claimant is even served. The bond must be written by a surety company, not an individual. Your attorney handles the recording; we handle the bond.

You need this bond if you're

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A property owner with a lien blocking a sale, refinance, or construction loan draw

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A general contractor whose sub's lien is jamming the owner relationship — many GC contracts require you to bond liens off

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A developer who needs clean title on a schedule the dispute won't respect

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Disputing the lien itself — bonding it off preserves every defense while freeing the property

Five minutes, plus your lien documents.

Submit the application, then send the recorded lien and any court documents to underwriting — a licensed underwriter reviews the full file and responds within 48 hours.

Start the application →

FAQs

Common questions.

If yours isn't here, the bond team can usually answer within the hour.

Does bonding off the lien pay the contractor? +

No. The bond substitutes for the property as security — nothing is paid to the lienor when the bond is recorded. The underlying dispute continues exactly as before, except your title is clean. If the lienor eventually proves the claim in court, the bond responds; if not, it doesn't.

How is the bond amount set? +

Arizona statute (A.R.S. § 33-1004) fixes it at 150% of the lien demand — a $100,000 lien means a $150,000 bond. That's higher than many states' 110%, so price accordingly. Your attorney or the recorded lien will state the exact demand; use 150% of that number in the application.

How much does it cost? +

A flat 3% of the bond amount, one time, $275 minimum. A $150,000 bond runs $4,500. The rate is posted and identical for everyone — no surge pricing because you have a closing on Friday.

How fast can this happen? +

Submit the application and the lien/court documents today, and a licensed underwriter responds within 48 hours. Straightforward liens move fastest; large or heavily contested liens can take longer if financials are needed. The recording itself is then your attorney's same-day errand at the county recorder.

Will I need collateral or financials? +

It depends on the size of the lien and the shape of the dispute. Smaller, clearly documented liens are often approved from the application alone; larger or messier ones can require financial statements. Either way you'll get one checklist, once — and a soft credit check that never affects your score.

Does bonding off the lien mean admitting it's valid? +

No. Recording a discharge bond is expressly not an admission — you keep every defense, offset, and counterclaim you had. Most owners and GCs bond liens off precisely so they can fight them properly.

Related bonds

Other New York bonds.

Get the lien off the title this week.

Five-minute application, flat 3%, underwriter response within 48 hours. Your attorney records it; the project moves.

Start application Talk to a specialist

Your premium @ 3%$4,500

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