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refinancing. These loans give borrowers the choice 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 bill consolidation debt secured 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 bill consolidation debt secured 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 to you. If the property goes down, the risk is on bill consolidation debt secured 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) bill consolidation debt secured 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 bill consolidation debt secured 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 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 bill consolidation debt secured 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

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