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
To get these extra nutrients, a prenatal vitamin supplement is recommended for most women. These supplements contain all the recommended daily vitamins and minerals you will need during your pregnancy, such as vitamins A, C, and D; folic acid; and minerals, such as zinc and copper. Talk to your health care provider about the vitamins that you are already taking before taking a prenatal vitamin supplement.