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students about how arizona equity home loan rate 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 the 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). arizona equity home loan rate 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 arizona equity home loan rate "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 to its code of ethics. Although the term Realtor is arizona equity home loan rate 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 arizona equity home loan rate tissues and Pampers diapers), "Realtor" should always be capitalized. The NAR requires its members to typeset the term