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To obtain a lien on real property in the state of Virginia, the judgment creditor must "docket" the lien in the public records office of the city or county where that property is physically located. Once the lien is docketed, the creditor files a "creditor's bill in equity" in that jurisdiction, which will require the chancellor to appoint a ...
[19] Under title theory, a mortgage has the effect of a deed passing legal title, though conditionally, of the mortgaged property to the mortgagee (the lender in a loan agreement being secured by the mortgage), with so-called "equitable title" (which is really equity of redemption) being retained by the mortgagor (the borrower in the loan). The ...
The loan to value ratio (or LTV) is the size of the loan against the value of the property. Therefore, a mortgage loan in which the purchaser has made a down payment of 20% has a loan to value ratio of 80%. For loans made against properties that the borrower already owns, the loan to value ratio will be imputed against the estimated value of ...
While FHA loans require a down payment of at least 3.5 percent of the purchase price, VA loans will let you borrow the money without contributing any money from your savings – making these much ...
VA loan limits vary based on the county you live in, the type of residence and if you have full VA entitlement. Veterans, service members and surviving spouses with complete entitlement can borrow ...
VA home loan closing costs might be less than those for other loans, as well, since the VA limits the origination fee a lender can charge to no more than 1 percent of the mortgage. Easier ...