| 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 as calculator home refinancing 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 to you. If the property goes down, the calculator home refinancing is on the lender. That's a no-lose deal.'' Loan to value (LTV) - Loan |
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