Greg Rekitt with 2 pound yellow perch caught from Presque Isle Bay. Jim McCarthy with a perch taken on a jig while trolling a waterway in Wayne County. Joseph Getz of Nazareth displays a yellow perch caught while ice fishing at Mauch Chunk Lake, Carbon County. Walker Loveland Sr., Wallsville, caught this nice perch from a local pond in Lackawanna County.
DEFINITION of 'Housing Expense Ratio'. A ratio comparing housing expenses to before-tax income that is used by lenders to qualify borrowers for a mortgage. The housing expense measure includes mortgage principal, interest payments, property taxes, hazard insurance, mortgage insurance and association fees. The limit is generally 28%. It is sometimes referred to as the front ratio.
Financing to the maximum loan-to-value (LTV), total LTV (TLTV), and home equity. total LTV (HTLTV) ratio, as set forth in Section 23.4 and other sections that limit the. LTV, TLTV and HTLTV ratio for certain products or Mortgage types, is acceptable. when property values are stable or increasing.