Sentences with phrase «value ratios required»

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The Healthcare Reform Law, including The Patient Protection and Affordable Care Act and The Healthcare and Education Reconciliation Act of 2010, could have a material adverse effect on Humana's results of operations, including restricting revenue, enrollment and premium growth in certain products and market segments, restricting the company's ability to expand into new markets, increasing the company's medical and operating costs by, among other things, requiring a minimum benefit ratio on insured products, lowering the company's Medicare payment rates and increasing the company's expenses associated with a non-deductible health insurance industry fee and other assessments; the company's financial position, including the company's ability to maintain the value of its goodwill; and the company's cash flows.

PMI is generally required when the loan - to - value (LTV) ratio rises above 80 %.

Generally speaking, mortgage insurance is required whenever the loan - to - value (LTV) ratio is more than 80 %.

A PMI policy is generally required whenever the loan - to - value (LTV) ratio rises above 80 %.

But if your loan - to - value (LTV) ratio rises above 80 %, you might be required to have mortgage insurance.

Additionally, conventional (non-FHA) mortgage products with a loan - to - value ratio above 80 % usually require private mortgage insurance, or PMI.

When the loan - to - value ratio rises above 80 %, PMI is usually required.

Generally speaking, a loan - to - value ratio above 80 % requires PMI.

Homeowners are generally required to have an escrow account until a certain loan to value ratio is met.

Stated differently, private mortgage insurance is typically required when the loan - to - value (LTV) ratio exceeds 80 %.

Senator Savino's S. 5274 would allow DFS to create a form disclosing all costs and warning consumers that add - on costs are not required to obtain loans and what the loan to value ratio is upon financing.

Each oil used in soap making has a different saponification value which means that each oil requires a different ratio of lye to water depending on the amount and type of each oil used.

If this is the case, borrowers would be required to pay a mortgage insurance premium determined by their loan - to - value ratio (LTV) and credit score.

Low Ratio Mortgages Ideal for homebuyers who require financing up to 80 % of the value of the property.

The mortgage insurance premium is based on loan - to - value ratio, type of loan, and amount of coverage required by the lender.

While our affordability ratio illustrates the relationship between incomes and home values, it does not take into account the varying effects of property taxes and homeowners insurance, which can increase the monthly commitment required in a mortgage payment.

Mortgages that are over 75 % loan in order to value are considered high proportion mortgages and generally require CMHC high ratio mortgage insurance.

As with private sector mortgage loans with a loan - to - value ratios (LTV) in excess of 80 %, FHA guidelines require borrowers to pay premiums for its mutual mortgage insurance (MMI) program.

Before, a second appraisal was only required if the home was located in a declining market, the loan was above $ 417,000, and exceeded a 95 percent loan to value ratio.

Loans above 80 % Loan - To - Value ratio may require mortgage insurance.

Lenders may want or require 20 % (or any other amount) down so the loan will meet certain «loan to value» ratio requirements.

A 100:1 ratio means that the trader is required to have at least 1/100 = 1 % of the total value of trade available as cash in the trading account, and so on.

Mortgage lenders consider home loans with a loan to value ratio (LTV) of more than 80 % a higher risk, and require borrowers to pay for mortgage insurance (MI).

I don't understand - two lenders have told me that within the last two months a new rule was insituted that required pmi to be paid for 5 years from the beginning of the loan regardless of the loan to value ratio.

But if your loan - to - value (LTV) ratio rises above 80 %, you might be required to have mortgage insurance.

PMI is required by the lender in the event the loan - to - value ratio is greater than 80 %, which is considered a high - risk scenario.

For the typical refinance, loan - to - value ratio also determines if you'll need something like mortgage insurance, or if the lender will require extra protections.

Generally speaking, a loan - to - value ratio above 80 % requires PMI.

In contrast, a roughly 40 % market decline (to a market value / equity ratio of 0.6 or an equity / market value ratio of about 1.7) would be required in order to expect more historically - normal prospective returns near 10 % annually.

Mortgage loans that Lenders insure using low loan to value ratio mortgage insurance will be required to meet the eligibility criteria that previously only applied to high ratio insured mortgages.

Mortgage Loan Insurance: If you have a high - ratio mortgage (more than 80 % of the lending value of the property) your lender will probably require that you purchase mortgage loan insurance, which is available from CMHC or a private company.

If your down payment is below 20 %, you will typically be required to carry PMI until the outstanding loan - to - value ratio (LTV) falls below 80 %.

However, the loan - to - value ratios on these loans will be lower than owner - occupied commercial real estate loans, meaning that you'll be required to put more money down.

Premiums are based on the amount and terms of the mortgage and will vary according to loan - to - value ratio, type of loan, and amount of coverage required by the mortgage company.

What happens when the value of the house drops below the required loan to value ratio?

If the market were to tank, leaving borrowers underwater equity-wise, what's to stop the banks from requiring more people to pay down their mortgage renewals in order to keep the loan - to - value ratio consistent with normal standards?

Private mortgage insurance is required on all mortgage loans with a loan - to - value ratio greater than... View Article

Buyers with less than great credit can qualify for financing at higher rates, but the bank may also require a down payment or a minimum loan to value ratio.

Chase requires a loan - to - value ratio of 80 % for new cars and 95 % for used cars.

Because conventional loans are not backed by the government lenders follow stricter underwriting guidelines which require good credit, a strong financial status and lower loan - to - value ratios.

Mortgages that receive down payments of less that 20 % of the property's value are considered to be high - ratio loans and, therefore, require approval from the Canadian Mortgage and Housing Corporation (CMHC) or Genworth.

Mortgage lenders typically collect and pay amounts needed for paying property taxes and hazard insurance for traditional mortgage loans with loan - to value ratios in excess of 80 %, but reverse mortgages require borrowers to pay these expenses directly.

FHA will require a 97 percent loan - to - value (LTV) ratio for these borrowers to refinance, the same LTV as FHA's current standard.»

Mortgage Insurance (MI) is required on all loans with a loan - to - value ratio greater than 80 %.

The maximum loan - to - value (LTV) ratio rose to 90 % in the post-crisis years, requiring down payments of 10 % or more in most cases (FHA loans aside).

Private Mortgage Insurance (PMI) is required on all loans with a loan - to - value ratio greater than 80 %.

In real - estate terms, this requires having a loan - to - value ratio of 80 - 20 or less, meaning you are borrowing 80 percent of the value of your home.

When your LTV ratio reaches 78 % (value as per the original appraisal) the lender is required to remove PMI even if you have not requested this already.

You can request removal of the PMI if your LTV ratio reaches 80 % earlier than the scheduled date because you have made extra payments etc. but the lender is not required to grant this request without further ado; the lender is allowed to ask you to pay for an appraisal to make sure that the house has not declined in value in the mean time and so you actually are at 80 % LTV, and can decline the request if you refuse to pay for the appraisal or if the appraisal shows that the value of the has decreased and so you are not actually at 80 % LTV as per the new appraised value.

The mortgage insurance premium is based on the loan to value ratio, type of loan, amount of coverage required by the lender and your credit history.