You seem to have misunderstood the nature of a lien. It is not a loan or a mortgage. You don't "repay" it. A lien is a legal remedy for an unpaid contractor. The owner does not have a choice in the matter and cannot prevent the lien being attached to the property.
The contractor, on the other hand, can't (well, shouldn't) register a lien unless there are unpaid debts. This is a highly sophisticated area of law. If hiring a contractor, you should know if it applies in your area before you sign any contracts for property improvements.