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

A construction lien freezes everything it touches — closings, refinances, draws. A §38-1a-804 release 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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Releases the lien without paying the claim — you keep every defense you have

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Utah sets the bond at 150% of the lien for claims of $25K or more (more on smaller liens)

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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 released 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 & release

You record the notice of release of lien and substitution of alternate security with the county recorder, the lien comes off 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. A $100,000 lien typically means a $150,000 bond — $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 release bond actually does

When a contractor, sub, or supplier records a preconstruction or construction lien, the property itself becomes their security. Until it's resolved, title companies won't close, lenders won't fund, and draws stop. Utah Code §38-1a-804 lets you swap the property out and a surety bond in by recording a notice of release of lien and substitution of alternate security.

The lien is then released 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.

Utah Code §38-1a-804Utah Code §38-1a-804 lets an owner or affected contractor release a recorded construction lien by recording a notice of release and substituting a surety bond. The penal sum is set by statute: 150% of the lien for claims of $25,000 or more, 175% for $15,000–$25,000, and 200% for claims under $15,000. The surety must be A-rated by A.M. Best and authorized in Utah. 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? +

By statute under Utah Code §38-1a-804: 150% of the lien amount for claims of $25,000 or more, 175% for claims between $15,000 and $25,000, and 200% for claims under $15,000. A $100,000 lien means a $150,000 bond. Your attorney will confirm the exact figure; use 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.

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 release bond under §38-1a-804 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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