Any lien or right to a lien, for services, labor, or material hereto or hereafter furnished, imposed by law and not shown by the public records

Most loan policies will require that this exception be deleted; however, the agent must be careful in doing so. Different rules will apply for different situations. These situations will include: 1) when the property is unimproved or has been improved for some time; 2) when construction on the property is imminent; and 3) when construction has recently been completed. For specific underwriting guidelines in deleting this exception, see also Mechanics’ Liens.