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, now available without a prescription, are safe to take during pregnancy. Ask your doctor about the safety of taking other vitamins, herbal remedies, and supplements during pregnancy. Most herbal preparations and supplements have not been proven to be safe during pregnancy. Generally, you should not take any over-the-counter medication unless it is necessary. The following medications and home remedies have no known harmful effects during pregnancy when taken according to the package directions.