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2nd Lien Hard Money Lenders
Last updated: March 12, 2025
Disclaimer: OfferMarket is a real estate investing platform. We operate a private lending division which does not currently offer 2nd position lien loan products. Our goal is to educate investors about 2nd position lien mortgage loans.
What is a Lien in Real Estate?
A lien in real estate is a legal claim or encumbrance placed on a property by a creditor, giving them the right to seize or sell the property if the owner fails to fulfill a financial obligation, such as repaying a debt. Essentially, it’s a security interest that ensures the creditor gets paid, either through voluntary repayment or by forcing a sale. Liens are recorded in public records, attaching to the property’s title and preventing transfer of ownership until the debt is settled.
There are two main types of liens:
