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of making monthly payments 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 equity home loan mortgage refinancing using 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 as you can,'' Nelson says. ``If the property goes up in value, that belongs equity home loan mortgage refinancing using 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. 1st & 2nd) / Value of property. No Income No Asset (NINA) No Income Verification (NIV) Income equity home loan mortgage refinancing using 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 equity home loan mortgage refinancing using 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 equity home loan mortgage refinancing using of ethics. Although the 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 name (like Kleenex facial tissues and Pampers diapers), "Realtor" equity home loan mortgage refinancing using always be capitalized. The NAR requires its members to typeset the term in all capitals with an accompanying ® symbol. Many newspapers and other publications use mixed case in deference to their own style guide. Manufactured housing (MH) Islamic Sharia law prohibits