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New registration statement, prospectus, the new prospectus enhance, and you may one totally free-writing prospectuses, for instance the mortgage agenda, all of these is actually recorded toward You

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2. The fresh new prospectus enhance laid out the borrowed funds-to-worth ratio, otherwise LTV, given that “ratio of your prominent equilibrium of these mortgage loan within time away from devotion to help you (a) regarding a purchase, the newest cheaper of the marketing cost of the latest mortgaged property and you will its appraised well worth at the time of income otherwise (b) regarding an excellent refinancing otherwise modification, the newest appraised worth of the brand new mortgaged assets during the time of the fresh refinancing otherwise amendment.” [Back]

3. The latest prospectus supplement outlined the fresh new joint loan-to-well worth proportion, or CLTV, as “the newest proportion of principal balance of one’s second-lien mortgage, because of the a great balance of your own associated basic-lien home loan, during the day from determination so you’re able to (a) regarding a purchase, the fresh new lower of your deals cost of this new mortgaged property and the appraised worthy of at the time of marketing otherwise (b) in the example of an excellent refinancing or amendment, new appraised value of the mortgaged property at the time of the refinancing otherwise amendment.” [Back]