| CLTV | INITIAL RATE | APR | FICO |
| 85% | 5.25% | 5.25 | 700 |
| 80% | 4.50% | 4.50 | 700 |
| 75% | 4.25% | 4.25 | 670 |
*Interest rates are subject to change without notice and do not constitute a commitment to make any loan at any specific rate.
A client was buying a condominium. He only had 15% for the down payment, but the lender who had the best rate was a limiting condo loan to value (LTV) up to 75%. The solution was to get the first mortgage at 75% LTV, plus another 10% as a line of credit. There is no MI (Mortgage Insurance).
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