| to reduce your liability in case home values plunge. ``Don't go to your parents and put down as much as you can,'' Nelson says. ``If the property goes up in value, that belongs to you. If home loan owner personal 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. 1st & 2nd) / Value of property. No Income No home loan owner personal (NINA) No Income Verification (NIV) Income is not verified but many times is "Stated" by the applicant borrower. No home loan owner personal (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 the term Realtor is sometimes used interchangeably with real estate broker or real estate home loan owner personal 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 name (like Kleenex facial tissues home loan owner personal 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 |
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