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trade journal article advising ``option ARM'' lenders to add disclosures about the risks of refinancing. These loans give borrowers the choice of clearwater home refinancing monthly payments that don't even cover the interest due -- a practice that can leave borrowers owing more than the original clearwater home refinancing 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 as you can,'' Nelson says. ``If clearwater home refinancing 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. 1st & 2nd) / Value of clearwater home refinancing No Income No Asset (NINA) No Income Verification (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 Association of Realtors and subscribes clearwater home refinancing its code 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 clearwater home refinancing are Realtors. As clearwater home refinancing trademark name (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 use mixed case in deference to their own style guide. Manufactured housing (MH) Islamic Sharia law prohibits the payment or receipt of interest, which means that practising Muslims cannot use conventional mortgages. However, real estate is far too expensive for clearwater home refinancing people to buy outright using cash: Islamic mortgages solve this problem by having the property