Hi Rene-That is really a question appropriate for an attorney (which I am not). However, based upon my experiences working in the real estate idustry and my past dealings with a variety of clients, here are but a few examples when a lien MAY be placed on your home. Keep in mind that laws vary from state to state (I'm in Georgia):

1. Mortgage lien (a deed to secure debt or repayment of a mortgage)
2. Mechanic's lien (filed when someone performs work on your home and you fail to pay the bill)
3. HOA lien (filed when you live in a subdivision with mandatory HOA dues and you fail to pay)
4. Judgment lien (filed when you have been sued in civil or criminal court for costs, damages, fees, etc.)
5. IRS lien (filed when you fail to pay taxes income taxes to the federal government)
6. Tax liens (filed when you fail to pay state income taxes or other taxes that are due - like property taxes)

If you are working with a Realtor, ask him/her if they can refer you to a real estate attorney who could explain this topic in greater detail to you. Even if you had to pay for 1/2 hour's consulting fee, it would be money well spent.

Yes there can be a lien on your property via tax, IRS, contractor. Confer with a real estate attorney, many lenders may not consider a loan till the judgement is satisfied.
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