encumbrancer

/ɛnˈkʌmbrənsər/
noun
  1. A person who holds a legal claim or charge against a property, such as a mortgage lender or lienholder.
    • When selling the house, the encumbrancer had to release the lien first.
    • As the encumbrancer, the bank had the right to foreclose if payments stopped.
    • The title deed listed the mortgage company as the primary encumbrancer.
Antonyms
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