Escrow & Title
A mechanic's lien in Utah may be filed by:
AOnly the general contractor on a project
BContractors, subcontractors, and material suppliers who provided labor or materials for improvements✓ Correct
CThe county recorder when taxes are unpaid
DThe lender when the borrower misses a payment
Explanation
Utah's Construction Services Lien Act allows contractors, subcontractors, laborers, and material suppliers to file a lien against the property to secure payment for work or materials provided.
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Key Terms to Know
Lien
A financial claim against a property that serves as security for a debt or obligation, giving the creditor the right to foreclose if unpaid.
Private Mortgage Insurance (PMI)Insurance required by lenders on conventional loans with less than 20% down payment, protecting the lender — not the borrower — against default.
Debt-to-Income Ratio (DTI)A lender's measure of a borrower's monthly debt obligations relative to their gross monthly income, used to evaluate loan eligibility.
Pre-ApprovalA lender's conditional commitment to loan a specific amount to a borrower, based on verified income, credit, and assets.
Math Concepts
State-Specific Concepts
Mechanic's Lien
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