These mortgage loan programs constitute first mortgage liens secured by the home and property. The down payment is determined by the Loan to Value ratio. (90% LTV = 10% down payment) Loans exceeding 80% of the appraised value of the home require private mortgage insurance.
Habitats and ecosystems. Animals, plants, and all living things are adapted to life in their natural surroundings. These different environments are called habitats. They range from burning hot, dry deserts, to rain-soaked tropical forests, to frozen tundra. Every living species has its own favorite habitat, which it shares with other living creatures.
habitat. n. 1. (Biology) the environment in which an animal or plant normally lives or grows. 2. (Sociology) the place in which a person, group, class, etc, is normally found.[C18: from Latin: it inhabits, from habitÄre to dwell, from habÄre to have].. the natural environment of an organism; place that is natural for the life and growth of an organism: a jungle habitat. 2. the place where one is usu. found. 3. a special environment for living in over an extended period, as an underwater research vessel.