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in value, that belongs to you. If the property goes down, the risk is on the lender. That's a no-lose deal.'' Loan to value (LTV) - Loan Amount bank federal home loan 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 bank federal home loan by the applicant borrower. No Documentation (No Doc) Income or assets are not stated. Typically requires a low LTV and higher credit scores. Realtor" is a U.S. registered collective membership mark identifying a real estate broker who is a member of the National Association of Realtors and subscribes to its code of ethics. Although bank federal home loan term Realtor is sometimes used interchangeably with real estate broker or real estate agent, its use is reserved for active members of NAR. All Realtors possess some kind of real estate license, but not all licensees are Realtors. As a trademark bank federal home loan (like Kleenex facial tissues and Pampers diapers), "Realtor" should always be capitalized. The NAR requires its members to typeset the term in all capitals with an accompanying ® symbol. Many newspapers and other publications
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