# Mortgages and liens

MAIA's mortgages and liens lookup takes a parcel and returns its debt profile: open loans with their due dates and lenders, involuntary liens, and foreclosure filings.

Availability: Pro. Updated: 2026-09-30. Source: https://maia-analytics.com/docs/enrichments/mortgages-and-liens

## What it answers

A parcel record tells you what a property is. This lookup tells you what is owed on it, to whom, and when that debt comes due.

> **You ask:** Which owners in this layer have a loan that comes due in the next 18 months?

> **Note:** Each row spends credits. Filter the table to the parcels you care about before you run. See [Run an enrichment](https://maia-analytics.com/docs/enrichments/run-an-enrichment).

## What you get

One profile per parcel, shown in the table as a single cell that opens to the full record. The cell's headline is **Free & clear** when the record shows no debt, the amount owed when it shows loans, a lien count when it shows liens and no loans, or **Liens unreported** when the record did not state a count. The cell opens like any researched cell, with a one-line reasoning and **Property records** as its source. A parcel the lookup cannot match reads **Unavailable**, and the reasoning says so.

| Group | Fields | Recorded or modeled |
| --- | --- | --- |
| Position | Free & clear, open lien count, total balance owed | Recorded |
| Open loans | Amount, lender, recording date, due date, term, loan type, financing type | Recorded |
| Flags per loan | Whether the lender is private, and whether the loan is a home equity line of credit | Recorded |
| Estimates per loan | Current balance, interest rate, payment amount | Modeled |
| Valuation | Estimated value, equity percent, loan to value, confidence score, as-of date | Modeled |
| Foreclosure | Status, recording date, auction date, unpaid balance, past-due amount, current lender | Recorded |
| Involuntary liens | Lien type, document type, recording date. Covers tax liens, judgments, and mechanic's liens | Recorded |

A recorded value is a fact from the public record. A modeled value is an estimate. Treat it as a starting point, and read its as-of date before you quote a balance.

> **Note:** Two readings mislead if you take them at face value. **Liens unreported** means the record did not state a lien count. It does not mean zero. **Free & clear** rests on the county's recorder coverage. Where there is none, a property with debt and a property without look the same, so check the profile's evidence flags: whether a last sale, a mortgage history, or any lien is on record.

## How it works

This enrichment is a records lookup. No agent is involved, so the same parcel returns the same profile.

1. MAIA keys each row by its parcel number and county. Public records are filed by parcel number, so the match is exact.
2. A row with no parcel number is keyed by its street address instead. The address needs a street and a state, plus a city or a ZIP code.
3. A matched lookup returns the whole profile at once.
4. An unmatched lookup returns no value. If the parcel number finds nothing, MAIA does not try the address instead. Running the row again returns the same result unless its parcel number or address has changed.

## Limits

- **Needs a parcel number or a street address.** A row with neither is skipped.
- **Restricted uses apply.** Mortgage research on property is fine. MAIA declines any request to use it for a decision about a person's credit, insurance, employment, tenant screening, or housing eligibility. See [Restricted uses](https://maia-analytics.com/docs/reference/restricted-uses).
- **On Pro and Enterprise.** On the Free plan the lookup is not offered. See [Plans](https://maia-analytics.com/docs/billing/plans).

## In the app and over MCP

| Where | How |
| --- | --- |
| The web app | Ask for it in chat, or choose **Add enrichment** above the table. See [Run an enrichment](https://maia-analytics.com/docs/enrichments/run-an-enrichment) |
| MCP | Ask for it in the `request` of `create_project`, or in a `send_message` |

## Related

- [Contacts](https://maia-analytics.com/docs/enrichments/contacts) finds the person behind the owner.
- [Core data](https://maia-analytics.com/docs/capabilities/core-data) holds the sale history the profile sits beside.