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
1 On average, prenatal vitamins will cost $.30 per day, or about $9 per month. 2  You can find a good selection here. 3  Since it is recommended that you take prenatal vitamins up to three months before you plan to conceive and at least three months after you deliver, you will need prenatal vitamins for about 15 months. For example, a popular product such as the New Chapter Perfect Prenatal retails for $38 to $71. 2  A gummy version of prenatal vitamin such as the Vitafusion Prenatal by Vitafusion retails for $11 to $15.