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The latest membership declaration, prospectus, the latest prospectus supplement, and you may any free-composing prospectuses, for instance the mortgage agenda, all of these try filed into U

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2. New prospectus complement defined the borrowed funds-to-worthy of proportion, or LTV, once the “proportion of your prominent balance of such mortgage loan at big date out-of commitment so you’re able to (a) in the example of a purchase, the latest less of business cost of this new mortgaged property and you will its appraised really worth at the time of purchases otherwise (b) regarding an excellent refinancing or modification, the appraised property value this new mortgaged possessions during the time of the brand new refinancing or modification.” [Back]

step 3. New prospectus complement defined new combined financing-to-worthy of ratio, or CLTV, because the “the fresh proportion of your own dominant balance of your own 2nd-lien home loan, because of the the balance of your own related basic-lien real estate loan, from the date out of determination so you can (a) in the case of a purchase, new decreased of selling price of the fresh new mortgaged possessions and you will the appraised value at the time of product sales otherwise (b) when it comes to a good refinancing otherwise modification, the fresh appraised property value the fresh new mortgaged possessions in the course of the newest refinancing or modification.” [Back]