| http://www.w3.org/ns/prov#value | - ire full documentation of income or assets; (v) prepayment penalties; (vi) the loan was a refinance of an existing loan that occurred within twelve months of the most recent mortgage loan; (vii) the loan was underwritten with a Loan-to-Value ratio at or above 90%; (viii) the loan was underwritten as a component of a loan transaction wherein the combined Loan-to-Value ratio was above 95% or (ix) th
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