Finance
In Oklahoma, oil and gas production on a mortgaged property may affect the loan because:
AMineral rights always increase collateral value and improve loan terms
BLenders may discount or exclude subsurface rights from the appraised value for collateral purposes✓ Correct
COklahoma law requires all mineral rights to be included in mortgage collateral
DThe presence of oil wells automatically triggers a federal loan review
Explanation
Lenders in Oklahoma must evaluate whether mineral rights are included in the collateral. If mineral rights are severed from surface rights, some lenders may discount collateral value.
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