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The fresh membership declaration, prospectus, the newest prospectus supplement, and you may people 100 % free-writing prospectuses, like the real estate loan plan, that are filed into You
2. The new prospectus complement discussed the mortgage-to-value proportion, otherwise LTV, since the “ratio of one’s dominant harmony of these mortgage at big date away from dedication so you’re able to (a) in the example of a purchase, brand new reduced of your purchases cost of the fresh mortgaged possessions and its appraised really worth during the time of sales or (b) in the case of good refinancing or amendment, the brand new appraised property value the latest mortgaged property at the time of this new refinancing otherwise amendment.” [Back]
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step 3. The prospectus supplement laid out new joint mortgage-to-really worth proportion, or CLTV, due to the fact “the new ratio of one’s principal equilibrium of second-lien real estate loan, with the the balance of your related very first-lien real estate loan, within big date from devotion to help you (a) when it comes to a purchase, brand new minimal of your own marketing cost of the latest mortgaged assets and you can the appraised really worth at the time of sale or (b) in the case of a beneficial refinancing otherwise amendment, the brand new appraised worth of the fresh new mortgaged assets at the time of the newest refinancing otherwise amendment.” [Back]
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