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This new subscription declaration, prospectus, the new prospectus complement, and you can people 100 % free-creating prospectuses, for instance the real estate loan schedule, all of which was submitted on U
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dos. The fresh prospectus enhance laid out the borrowed funds-to-worthy of ratio, otherwise LTV, since the “ratio of your own dominant harmony of such home loan at the go out away from determination so you can (a) regarding a buy, brand new smaller of your own product sales cost of the latest mortgaged possessions and you will their appraised worth in the course of income otherwise (b) in the case of an excellent refinancing or modification, the newest appraised worth of the new mortgaged assets at the time of the latest refinancing or modification.” [Back]
3. The latest prospectus supplement outlined brand new shared mortgage-to-worth proportion, or CLTV, because the “the newest ratio of your own prominent balance of next-lien home loan, aided by the a good harmony of your own relevant basic-lien mortgage, at go out away from determination so you’re able to (a) in the example of a buy, the latest reduced of your purchases cost of this new mortgaged property and you may their appraised worthy of during sale or (b) when it comes to a refinancing otherwise amendment, the newest appraised value of the mortgaged possessions at the time of the fresh refinancing otherwise amendment.” [Back]