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Mortgage Application Hi Ratio Mortgage Requirements Number of Units 1-4 units, one of which must be occupied by the owner Maximum Loan-To-Value Ratio (LTV) 1 unit: 95% 2 units (eg: duplex): 92.50% 3 or 4 units: 90% Qualifying Interest Rate The interest rate used to determine borrower eligibility is determined as follows: Loan term less than 3 years---the greater of the lender's 3 year posted rate or the contract rate (or VRM cap). Loan term 3 years or more---the contract interest rate (or ......
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