NY 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. Premiums run 2% of the bond amount, $100 minimum, with 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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Courts typically set the bond at 110% of the lien amount

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Priced at 2% of the bond amount, $100 minimum — your exact price appears at the application, no leverage games when you're in a hurry

Instantissued the moment you payA-ratedA.M. Best carriers$50Maggregate capacity

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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 · ONLINE

Apply + send the lien documents

The application plus a copy of the 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

File & discharge

The executed bond is filed with the county clerk (or court), the lien is discharged from the property, and your closing, refinance, or draw schedule starts moving again.

About this bond

What it is and who needs it.

What a discharge bond actually does

When a contractor, sub, or supplier files 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. New York's Lien Law lets you swap the property out and a surety bond in — typically at 110% of the lien amount.

The lien is then discharged from the real estate. 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.

NY Lien LawNew York's Lien Law provides for discharging a mechanic's lien by filing a bond, typically at 110% of the lien amount, with the county clerk or as ordered by the court. Your attorney handles the filing; 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

One application, plus your lien documents.

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

Start the application →

FAQ

Common questions.

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 filed. 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?Typically 110% of the lien amount under New York's Lien Law — a $100,000 lien means a $110,000 bond. Your attorney or the court order will state the exact figure; use that number in the application.

How much does it cost?Premiums are 2% of the bond amount, $100 minimum — your exact price appears at the application. 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 filing itself is then your attorney's same-day errand.

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. Filing 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.

Pricing from $100, underwriter response within 48 hours. Your attorney files; the project moves.

Start application

Your premiumfrom $100

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