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The new membership declaration, prospectus, the fresh new prospectus supplement, and you can one totally free-writing prospectuses, such as the home mortgage plan, all of these are recorded on the U

2. The newest prospectus enhance defined the borrowed funds-to-well worth ratio, or LTV, while the “proportion of your own dominant harmony of these mortgage loan in the big date out of devotion to (a) regarding a buy, the new lower of your own purchases cost of brand new mortgaged property and you will its appraised well worth at the time of income or (b) in the example of a great refinancing or modification, new appraised worth of the newest mortgaged possessions during this new refinancing otherwise amendment.” [Back]

Trust 2005-HE2 Morgan Stanley Stomach Money We Inc

3. The fresh prospectus supplement discussed the joint loan-to-well worth proportion, or CLTV, since the “new proportion of one’s principal balance of the next-lien mortgage loan, using the a good harmony of relevant first-lien real estate loan, from the go out from determination to (a) in the case of a purchase, the fresh new reduced of one’s product sales cost of the fresh mortgaged possessions and you can their appraised value during the time of sales otherwise (b) when it comes to an excellent refinancing otherwise modification, the fresh new appraised worth of the latest mortgaged property during the time of the fresh refinancing or modification.” [Back]