Louisiana lien / privilege discharge bonds.
Flat 2%.
A recorded privilege freezes everything it touches — closings, refinances, draws. A discharge bond swaps the surety's guarantee for the property, so the recorder of mortgages cancels the statement of claim from the title. Flat 2%, 48-hour underwriter response.
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How much does a Louisiana lien / privilege discharge bond cost?
2% of the bond amount, $100 minimum, paid once.
From frozen title to canceled privilege.
Every day the privilege sits on the title costs you leverage, interest, or a closing date. Here's the entire process:
Apply + send the claim documents
The application plus a copy of the statement of claim or privilege and any court documents — that's the file. Send documents to underwriting right after you submit; everything is reviewed together.
A human underwrites it
A licensed underwriter reviews the recorded claim, the dispute, and your file. Larger or heavily contested privileges can require financials — you'll get one checklist, once.
Deposit & cancel
The executed bond is deposited with the recorder of mortgages in the parish, the statement of claim is canceled from the property, and your closing, refinance, or draw schedule starts moving again.
The whole pricing page.
Bond amount × 2% = your premium, one-time, $100 minimum. A $100,000 claim means a $125,000 bond under La. R.S. 9:4835 — $2,500.
What it is and who needs it.
What a discharge bond actually does
When a contractor, sub, or supplier files a statement of claim or privilege, the property itself becomes their security — Louisiana calls it a privilege, not a mechanic's lien, but it works the same way. Until it's resolved, title companies won't close, lenders won't fund, and draws stop. The Private Works Act lets any interested party swap the property out and a surety bond in — at 125% of the claim amount.
The recorder of mortgages then cancels the statement of claim from the title. The dispute itself continues — bonding off a privilege is not paying it and not admitting it's valid. If the claimant 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.
You need this bond if you're
Claims, renewal, filing, and what sets the price.
If a claim is made
A claim comes from the party the bond protects, the obligee named on the form, when the duty the bond guarantees is not met.
The surety investigates and pays a valid claim, up to the bond amount. You then repay the surety: a surety bond is a guarantee of your performance, not insurance for you.
Renewal and term
A performance and payment bond runs for the life of the contract, plus any warranty period the contract sets; there is no annual renewal.
How to file it
Deposit & cancel. The executed bond is deposited with the recorder of mortgages in the parish, the statement of claim is canceled from the property, and your closing, refinance, or draw schedule starts moving again.
What sets the price
Bond amount times 2%, $100 minimum, one time: the rate is flat for every applicant we write, so the premium is a line in your budget, not a negotiation.
Five minutes, plus your claim documents.
Submit the application, then send the statement of claim and any court documents to underwriting — a licensed underwriter reviews the full file and responds within 48 hours.
Start the application →Common questions.
Other Louisiana bonds.
The same bond in nearby states.
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Get the privilege off the title this week.
Five-minute application, flat 2%, underwriter response within 48 hours. Your attorney files; the project moves.