Property Ownership
A West Virginia homeowner has a mortgage. The mortgage lien is a(n):
AGeneral lien on all the homeowner's real property in the county
BSpecific lien on the particular mortgaged property only✓ Correct
CVoluntary encumbrance that ranks junior to all other liens
DPersonal obligation only, not an encumbrance on the property
Explanation
A mortgage (or deed of trust) creates a specific lien — it attaches only to the particular property described in the mortgage, not to all of the borrower's property. A judgment lien, by contrast, is a general lien attaching to all real property in the county.
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