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MORTGAGE EDUCATION

The home buying process can seem intimidating – but it doesn’t need to be. This comprehensive resource guide will walk you through the process step by step, so, when it comes time to put down roots, you can do so with confidence.


The relationship between the principal balance of the mortgage and the appraised value (or sales price if it is lower) of the property. For example, a $100,000 home with an $80,000 mortgage has an LTV of 80 percent.

The relationship between the principal balance of the mortgage and the appraised value (or sales price if it is lower) of the property. For example, a $100,000 home with an $80,000 mortgage has an LTV of 80 percent.