The loan to value is the size of the downpayment as a percentage of the entire amount of the loan. The higher the loan to value number, the riskier the loan is considered by lenders and the higher your rate may be, or you may need to purchase Private Mortgage Insurance (PMI) until you reach a predetermined LTV.
Prenatal vitamins are available over-the-counter in nearly any pharmacy. Your health care provider might recommend a specific brand of prenatal vitamins or leave the choice up to you. Generally, look for a prenatal vitamin that contains: Folic acid; Calcium; Iron; Vitamin D
Prenatal vitamins can come in many forms: pills, capsules, and even liquids. Discuss with your doctor or midwife which is easiest for you to take. Depending on which prenatal vitamin you have chosen, you may take it once a day or multiple times per day. Follow the instructions provided to gain the maximum benefits.