I have a loan on a residential property that I am improving. The renovation loan is a first mortgage that is secured by the property with disbursements as I make improvements that the lender will release. The lender is asking me the borrower/owner to sign lien waivers. I am not aware that I can even file a lien on my open property, and second, how can I waive my rights if I am only waiving them against myself? This is for ALL states.