Step 3: Complete a Midwife Education Program. A student who wants to earn AMCB certification as either a CNM or a CM must complete a graduate degree program in midwifery that's been accredited by the Accreditation Commission for Midwifery Education (ACME).
A second loan, or mortgage, against your house will either be a home equity loan, which is a lump-sum loan with a fixed term and rate, or a HELOC, which features variable rates and continuing access to funds.
When third party lenders are involved, typically a lien, as part of a mortgage or trust deed, is placed on the property, in which the property serves as collateral until the loan is repaid. Other terms for a land contract include: terms contract.