On private projects, a mechanics lien is used to secure payment against which entity?

• A. Property owner.
• B. Architect.
• C. General contractor.
• D. Building inspector.

Answer: (A)

On private projects, a mechanics lien is a claim against the real property to secure payment for labor, services, and materials used to improve that property. The lien attaches to the property itself, providing a security interest that ensures the party who supplied the work can be paid even if the owner delays. Because of that security structure, the entity encumbered by the lien is the property owner—the person who holds title to the land and benefits from the improvements. The architect, general contractor, or building inspector aren’t the targets of the lien; the mechanism is against the property to secure payment to those who contributed to the project. If the owner doesn’t pay, the lien can be enforced through foreclosure to recover the owed amount.