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The newest registration declaration, prospectus, the fresh prospectus supplement, and you may people 100 % free-writing prospectuses, like the mortgage agenda, that are recorded to the You
dos. The newest prospectus supplement discussed the loan-to-well worth ratio, otherwise LTV, while the “proportion of one’s dominating balance of such home loan at big date of commitment to (a) when it comes to a buy, new lesser of your income cost of the fresh new mortgaged assets and you can the appraised worth at the time of deals or (b) regarding a refinancing otherwise amendment, the newest appraised value of this new mortgaged possessions in the course of the fresh new refinancing or amendment.” [Back]
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step 3. The fresh new prospectus supplement laid out the brand new shared financing-to-well worth proportion, otherwise CLTV, just like the “this new ratio of your dominating harmony of your next-lien real estate loan, aided by the an excellent equilibrium of your relevant basic-lien mortgage, on go out off commitment in order to (a) when it comes to a purchase, the new reduced of the selling price of the new mortgaged possessions and you will the appraised well worth during product sales or (b) when it comes to an effective refinancing or amendment, the newest appraised worth of the latest mortgaged assets during new refinancing or modification.” [Back]
