Combined loan to value ratios include all mortgages recorded against a home. Loan to value is a critical concept in mortgage loans. Whenever possible, homeowners want to keep their loan to value ratio at 80 or less percent. When a homeowner has a first and second mortgage, they have a combined loan to value ratio. Combining both loans and dividing them by the current value of your home equals the combined loan to value, CLTV, ratio. High CLTV ratios restrict your future borrowing ability.
It would become one Fredrick the Great's most decorated Prussian heavy calvary regiments and was active during the War of Austrian Succession (17401748), the Seven Years' War (1756-1763), and the War of the Bavarian Succession in 1778.
The combat strength of the Army of the Potomac, slimmed down from seven unwieldy corps, consisted of three infantry corps of 25,000 rifles each and a cavalry corps. Commanding the 12,000-man cavalry corps was Maj. Gen. Philip H. Sheridan, an energetic leader brought east by Grant on Halleck's recommendation.