Which of the following is considered to be a voluntary lien?

• A. Judgment Lien
• B. Mortgage on real property
• C. Tax Lien
• D. Mechanic's Lien

Answer: (B)

A mortgage on real property is classified as a voluntary lien because it is a legal claim that a lender holds on a property in exchange for a loan to the borrower who voluntarily agrees to the terms of the mortgage. In this case, the borrower willingly enters into an agreement with the lender, which establishes the lien on the property to secure the repayment of the loan.

In contrast, other types of liens mentioned in the options arise from circumstances that do not involve a consensual agreement by the property owner. For example, a judgment lien is typically imposed by a court following a legal ruling; a tax lien is imposed by the government for unpaid taxes; and a mechanic's lien can be claimed by contractors or suppliers when they are not paid for work performed on a property. These liens do not require the property owner’s consent and therefore are categorized as involuntary liens.