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
Take a Prenatal Supplement. Aside from eating a healthy diet, you should take prenatal vitamins to ensure you are receiving all of the vitamins and minerals in the correct dosage. Your doctor will most likely recommend you take a prenatal supplement as a part of your pre-pregnancy preparation. B6 in particular has been shown to increase fertility in women, while B12 helps men with low sperm counts. 2  Vitamin C (1,000mg/day): Lack of this antioxidant can cause sperm to clump together, obviously not ideal behavior for sperm when youâre trying to conceive.