Escrow & Title
In South Dakota, which of the following encumbrances is VOLUNTARY?
AProperty tax lien
BMechanic's lien from an unpaid contractor
CMortgage lien placed by the property owner to secure a loan✓ Correct
DJudgment lien from a court case
Explanation
A mortgage is a voluntary lien — the property owner voluntarily places the mortgage on the property to secure a loan. Property tax liens, mechanic's liens, and judgment liens are all involuntary (imposed without the owner's voluntary consent).
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