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
It's also a good idea during pregnancy to take a prenatal vitamin to help cover any nutritional gaps in the mother's diet. Prenatal vitamins contain many vitamins and minerals. Their folic acid, iron, iodine, and calcium are especially important. Folic acid helps prevent neural tube birth defects, which affect the brain and spinal cord.