Bank of America Lien Release Department specializes in clearing property liens for residential and commercial borrowers. This streamlined unit processes releases efficiently so homeowners and investors can confirm clear title.
Working with a bank owned servicer reduces communication gaps between recording offices and the institution that holds the mortgage. You gain a direct channel to resolve lien releases quickly and accurately.
Documented Lien Process Overview
Understanding each stage helps property owners and agents coordinate smooth title clearance. The table below outlines the core steps, stakeholders, and typical timeframes involved.
| Process Stage | Primary Contact | Typical Timeline | Required Documentation |
|---|---|---|---|
| Payoff Verification | Loan Servicing | 1–3 business days | Account number, payoff request form |
| Release Draft Preparation | Lien Release Department | 3–5 business days | Deed of trust number, legal description |
| Notarization & Signature | Borrower / Grantor | 1 business day | Valid ID, signed release document |
| Recording with County | Title company or closing agent | 1–5 business days | Recorded release, filing fee receipt |
| Confirmation of Clearance | Lien Release Department | Same day or next business day | Recording confirmation number |
Contacting the Lien Release Department
Reach out through multiple channels to suit your urgency and documentation access. Bank of America provides phone, secure message, and branch support for lien related requests.
Before calling, gather your loan number, property address, and a brief description of the release need. Clear details reduce back and forth and speed up document preparation.
If you prefer written communication, use the secure message portal within your account or work with your title company. Written records help avoid miscommunication and serve as proof of your request.
Required Information for a Release
Supplying precise data prevents delays and ensures the released document matches county records exactly.
- Loan number and property address
- Full legal description or parcel identification
- Name of the grantee on the release
- Preferred recording method (standard or rush)
- Contact phone or email for status updates
Release Fees and Payment Options
Bank of America may pass through county recording charges and courier fees where applicable. The bank does not typically add a separate service fee for standard releases.
Payment options often include account withdrawal, wire transfer, or a certified check drawn from the borrower. Confirm acceptable forms of payment with the specialist handling your request.
Title and Lender Coordination
Title companies and closing attorneys act as key partners in moving a lien release from draft to recorded document. Early coordination prevents last minute surprises at closing.
Share the recording instructions and acceptable formats with all parties involved. Consistent formatting and clear contact points reduce errors and rework.
Streamlined Title Clearance Steps
- Confirm payoff status and obtain a lien release request form
- Provide accurate property and loan information to the department
- Review and sign the release document with a notary present
- Submit the release for recording with the county recorder
- Track the confirmation number and verify clearance with the bank
FAQ
Reader questions
How do I request a lien release from Bank of America?
Contact the Bank of America Lien Release Department by phone or secure message, provide your loan number and property details, and submit a written release request through your account or your title company.
What happens if the recorded release does not match the legal description?
The county may reject or delay recording, leaving the lien active. You should immediately notify the Lien Release Department to issue a corrected document and coordinate re recording with the proper legal description.
Can I expedite the recording of a lien release?
Yes, you can request rush recording when filing with the county, and the Bank of America Lien Release Department can prepare and submit the document faster. Additional fees may apply for expedited county processing and courier services.
Who signs the lien release, and what identification is needed?
The grantor named on the release, typically the borrower or their authorized representative, must sign before a notary. Valid government issued photo ID and the original signing instructions provided by the department are required.