Yes. Voluntary describes how the lien arose; specific describes which property it burdens. Those labels answer different questions, so a single lien can satisfy both. Think of them as two columns in a classification exercise, not alternative answers in the same column.

A voluntary lien results from the owner's consent or voluntary act, as the California DRE glossary explains. For Florida mortgages, section 697.02 expressly makes the mortgage a specific lien on the described property rather than a transfer of legal title or possession.

Worked example: An owner has a house and a separate vacant lot. To obtain a $220,000 home loan, the owner signs a mortgage describing only the house parcel. The lien is voluntary because the owner agreed to pledge that property. It is specific because it attaches to the described collateral, not automatically to the unrelated vacant lot merely because the same person owns both.

Now suppose a different lender finances the vacant lot under a separate mortgage describing that lot. There are two voluntary, specific liens on different collateral. Their existence does not merge the two parcels into one security package. A mortgage could instead describe several parcels; specific does not necessarily mean only one parcel.

Pitfall: Do not use specific as a synonym for first priority, or voluntary as a promise that foreclosure is optional for the lender. Classification, lien priority and enforcement are separate topics. Identify the creation and property scope first, then analyze priority from the applicable recording and priority rules.

Study the Chapter 13 mortgage guide and Chapter 13 practice questions.