uestion $4$

On March $25,2001,$ Margaret D$.$ Smith and Mrs$.$ Smith's daughter and son$-$in$-$law, Judy and Troy Reed $($Defendants$),$ bought a home in Mooresville, North Carolin$.$ Countrywide Home Loans, Inc$-,($Plaintiff$)$ agreed to finance the purchase of the home and provided a loan of $$117,900$ to Mrs$.$ Smith. The general warranty deed named the grantees as "Margaret D$.$ Smith and Troy D$.$ Reed and wife, Judy C$.$ Reed as Joint Tenants with rights of survivorship."

Margaret Smith has passed away and has left all of her property to her son, Jack. Which of the following is an accurate statement as to the ownership of the home?

a$.$ Jack owns the home.

b$.$ Troy and Judy Reed own the home as tenants in common.

c$.$ Troy and Judy Reed own the home as joint tenants with right of survivorship.

d$.$ Troy and Judy Reed and Jack own the home as tenants in common.