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The fresh registration declaration, prospectus, the prospectus complement, and people 100 % free-writing prospectuses, including the real estate loan schedule, all of which are recorded toward U

2. Brand new prospectus supplement defined the borrowed funds-to-worthy of proportion, or LTV, because the “proportion of prominent balance of these home mortgage on big date out of commitment so you can (a) regarding a buy, this new minimal of your own selling cost of the new mortgaged possessions and you may their appraised value in the course of sales or (b) in the example of a great refinancing otherwise modification, the new appraised property value this new mortgaged possessions at the time of the refinancing or amendment.” [Back]

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step three. This new prospectus enhance laid out the latest shared financing-to-worthy of ratio, or CLTV, just like the “the latest proportion of your prominent balance of next-lien mortgage loan, making use of the a great equilibrium of your associated basic-lien real estate loan, from the big date away from dedication in order to (a) when it comes to a buy, the fresh new minimal of your own product sales cost of the fresh new mortgaged property and you will its appraised value during purchases or (b) regarding a great refinancing or modification, the brand new appraised property value the newest mortgaged possessions at the time of the newest refinancing or amendment.” [Back]