| equity home loan massachusetts rate that don't even cover the interest due -- a practice that can leave borrowers owing more than the original loan. Because of California's unusual protection, UCLA's Nelson gives unconventional advice to students about how to finance their first home in the state: Make as small a down payment as possible to reduce your liability in case home values plunge. ``Don't go to your parents and put down equity home loan massachusetts rate much as you can,'' Nelson says. ``If the property goes up in value, that belongs to you. If the property equity home loan massachusetts rate down, the risk is on the lender. That's a no-lose deal.'' Loan to value (LTV) - Loan Amount / Value of property. Combined loan to value (CLTV). All loans outstanding (i.e. 1st & 2nd) / Value of property. No Income No Asset (NINA) No Income Verification (NIV) Income is not verified but many times is "Stated" by the equity home loan massachusetts rate borrower. No Documentation (No Doc) Income or assets are not stated. Typically requires a low LTV and higher credit scores. |  |
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