What is the difference between habendum and reddendum clause?

This question relates to clauses in deeds

The habendum clause (also known as the to have and hold clause) identifies the bundle of legal rights that are being conveyed by the deed; it could could specify fee simple or life estate

The reddendum clause reserves something for the grantor, such as a right in the title; it could specify a remainder estate

What is a lien?

A lien is a legal interest of a creditor or government agency in property owned by another

The lien gives security to the creditor or government agency that their debt will be satisfied

If the property owner (the debtor) does not pay his debt then the lien holder has the right to force a sale of the property with the proceeds being used to satisfy the outstanding debt

A lien is an encumbrance on the title of real property

Liens are usually recorded with the clerk of the circuit court in the county where the real property is located

A mortgage is a very common type of lien on real property