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The latest registration report, prospectus, the fresh prospectus supplement, and you may one 100 % free-writing prospectuses, such as the home mortgage plan, all of these was filed to your You
dos. The fresh prospectus supplement defined the loan-to-value ratio, otherwise LTV, as the “ratio of one’s prominent equilibrium of such home loan at the day of commitment so you’re able to (a) regarding a buy, brand new lesser of the deals cost of new mortgaged property and you will the appraised worth during revenue or (b) when it comes to a good refinancing otherwise amendment, the latest appraised property value this new mortgaged possessions during the time of the refinancing or modification.” [Back]
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step three. Brand new prospectus enhance defined brand new shared financing-to-well worth ratio, or CLTV, since “the brand new proportion of one’s dominant balance of next-lien home mortgage, using the a good harmony of your own related basic-lien mortgage, during the day away from dedication so you can (a) regarding a purchase, the new lower of one’s product sales cost of the fresh new mortgaged property and you will its appraised worthy of during the time of selling or (b) in the case of a good refinancing otherwise amendment, this new appraised property value the fresh mortgaged possessions in the course of the fresh refinancing or amendment.” [Back]