There are three different kinds of FMLA leave: 1  Continuous FMLA leave: An employee is absent for more than three consecutive business days and has been treated by a doctor. 2  Intermittent FMLA leave: An employee is taking time off in separate blocks due to a serious health condition that qualifies for FMLA.
Hey, The mortgage brokers work on commission, which are paid by you, by the lender, or by both you and the lender. If you work with a mortgage broker, the industry norm is for them to charge you an origination fee equal to 1 percent of the loan amount. By Neal, Fri Apr 8 2011, 01:51.
Lenders determine how much to loan partly based on the loan-to-value (LTV) ratio of a property. For example, if a borrower is taking out a loan of $90,000 and the property has a value of $100,000, the LTV ratio is 90 percent. Residential mortgages allow much higher LTVs than commercial loans do. A typical residential home loan might have a LTV ratio of 80 percent, meaning the loan can only be 80 percent of the estimated value of the home. Since commercial mortgages are generally securing much more expensive properties, lenders usually have commercial LVT limits of between 55 percent and 70 percent.