What is the best description of a voluntary, specific lien?

A voluntary, specific lien is best described as a mortgage lien because it is created through an agreement between the borrower and the lender. When a borrower takes out a mortgage to finance the purchase of a property, they are voluntarily creating a lien against that property. This lien specifically secures the lender's interest in the property for the amount borrowed.

Unlike other types of liens, such as judgment or property tax liens, which can be imposed without the property owner's consent and are non-specific (affecting the total assets of the debtor), a mortgage lien is directly tied to the property in question and is established intentionally as part of the loan agreement. The borrower agrees to use the property as collateral for the loan, making it a voluntary act.

In contrast, a judgment lien arises from court judgment and can affect all of the debtor's properties, while a property tax lien is imposed by the government for unpaid taxes and does not require the property owner's consent. An attachment lien is typically used in legal scenarios where a plaintiff wants to secure a potential judgment against the defendant's property but is also not voluntary. Thus, a mortgage lien fits the definition of a voluntary, specific lien perfectly.