Which type of lien is placed on a property by the owner?

A voluntary lien is one that is created with the consent of the property owner. This type of lien typically occurs when a homeowner takes out a mortgage or another type of loan, using their property as collateral against the loan. When the homeowner voluntarily enters into this arrangement, they are granting the lender a lien on the property, which means that the lender has the right to take possession of the property if the loan terms are not met.

In contrast, an involuntary lien is placed on a property without the owner's consent, often due to court judgments or tax liens. Specific liens are those that attach to a particular property or piece of real estate, while general liens cover all of a debtor's assets. However, in the context of the question, the defining characteristic of a voluntary lien is that it arises from the clear and intentional decision of the property owner, making it the correct answer.