• Creditors Have Loan Policies That Reflect the Level of Credit Risk Established by the Institution's Board of Directors
• The Effects of LTV in a Declining Market
• 50% to 65% LTV for Raw Land
• 75% LTV for Land Development
• 75-80% LTV for Commercial
• 85% LTV for Construction
• The Higher the LTV, the Higher the Risk
• Junior Liens in a Secondary Position Behind the Senior Lien
• IMPORTANCE TO YOU - Give Consideration Where Consideration is Due. What goes up, often comes down. As pressures build