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in value, that belongs to you. If the first las loan mortgage vegas 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 is not verified but many times is "Stated" by the applicant borrower. No Documentation (No first las loan mortgage vegas 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 first las loan mortgage vegas 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 first las loan mortgage vegas 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" should always be capitalized. first las loan mortgage vegas 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