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they are today. But some experts warn that could change if the state's housing market stumbles or broker california mortgage northern there is a major natural disaster, such as an earthquake. Lenders also will get more leverage starting today because sweeping changes to federal bankruptcy laws make it much harder for Americans to wipe out debts in court. A mechanics lien is a hold on real property for the benefit of someone whose work or broker california mortgage northern improves the property. It is called by various names, including materialman's lien, supplier's lien, laborer's lien and others. Through "perfecting" a lien, the technical term for establishing a mechanics lien, the owner's title to the property suffers an interference that will have to be addressed before the owner can restore clear title. Generally, a lien would only arise if there is a payment dispute, although some states (e.g. California) broker california mortgage northern pre-lien notices at the beginning of a project. Since real property ownership is mostly a function of state law, establishing a mechanics lien is mostly a process governed by state law, in particular a mechanics lien statute. The process for perfecting a mechanics lien varies broker california mortgage northern from state to state. However, common parts of the process of perfecting a mechanics lien include notice to the owner and to other persons or entities involved in the construction project, and also the drafting broker california mortgage northern filing of a document with the government office that records deeds or titles to land. Mechanics liens are also sometimes known as contractors liens and construction liens. Historically,