New York mechanic's lien discharge bonds.
From $100.
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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How much does a New York mechanic's lien discharge bond cost?
2% of the bond amount, from $100. Enter your amount in the calculator for the exact price.
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:
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.
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.
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.
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.
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
The premium covers a one-year term from the effective date you choose.
Renew before the expiry date to keep the bond in force: the license, permit or contract it backs expects continuous coverage.
How to file it
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.
What sets the price
The premium is 2% of the bond amount, $100 minimum: the amount the obligee sets moves the price, not your business profile.
One soft credit pull, never a hard inquiry, and it never affects your score.
Where a check runs, it decides approval; the rate is the same for everyone approved.
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 →Common questions.
Other New York bonds.
The same bond in nearby states.
Price and requirements checked on the carrier’s application, . Page updated .
Get the lien off the title this week.
Pricing from $100, underwriter response within 48 hours. Your attorney files; the project moves.