| monthly payments that don't even cover the interest due -- a practice that can leave borrowers owing american home equity mortgage 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 as much american home equity mortgage you can,'' Nelson says. ``If the property goes up 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 / Value of property. Combined loan to value (CLTV). All loans outstanding (i.e. american home equity mortgage & 2nd) / Value of property. No Income No Asset (NINA) No Income american home equity mortgage (NIV) Income is not verified but many times is "Stated" 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 american home equity mortgage of Realtors and subscribes to its code of ethics. Although the term Realtor is sometimes used interchangeably with |  |
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