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Fixed Rates. 100% Financing, no PMI (Private Mortgage Insurance) available on a purchases and 90% LTV (loan to value) cash out. H.A.R.P. 2.0 Mortgages Home Affordable Refinance Program (HARP) started in April 2009.

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For example, unimproved real estate will yield a lower ratio than improved, occupied real estate. These ratios can vary between lenders and the ratio may also be influenced by lending criteria other than the value of the collateral. Your healthy cash flow may allow for more leeway in the loan-to-value ratio.

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Physical Course – No Cash No Credit 100% LTV Real Estate Cash Flow System

“Commercial Real Estate Lending,” provides guidance for bank examiners and bankers on commercial real estate (CRE) lending activities. For the purposes of this booklet, CRE lending comprises acquisition, development, and construction (ADC) financing and the financing of income-producing real estate.

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