I am trying to be patient with the situation.
No need to be.
The more patient you are, the less pressure the homeowner will be under and the less pressure the homeowner will put on the bank.
I would do what I had to do to get my money if I was in your place.
I'm just wondering if there is something going on between the homeowner and the bank, like maybe late payments or default, and the homeowner is just shining you on for as long as possible.
I suggest that you get your lien filed and recorded ASAP and file your lawsuit against the homeowner ASAP.
Otherwise, you might find yourself with nothing to go after.