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Loan-to-Value Ratio (LTV) The loan-to-value ratio is an essential concept to comprehend when discussing NHP loans. It refers to the percentage of the property’s value that the loan covers. For example, if you are purchasing a home worth $200,000 and your loan amount is $160,000, your LTV ratio would be 80%.

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Here are other takeaways for 2023: Imposter scams. Imposter scams remained the top fraud category, with reported losses of $2.7 billion. These scams include people pretending to be your bank’s fraud department, the government, a relative in distress, a well-known business, or a technical support expert. Investment scams.

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