| http://www.w3.org/ns/prov#value | - red by a first real estate mortgage unless: (A) The loan-to-value ratio of the loan at the time when made exceeds 100%; or (B) in the case of subsection (1) of section 3 of this act and amend- ments thereto, the annual percentage rate of the loan exceeds the code mortgage rate; or (ii) a loan secured by a second or other subordinate mortgage if the second or other subordinate mortgage is granted t
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