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
Pregnant women, or those planning a pregnancy, should take 600 micrograms of folic acid daily, which is 200 micrograms more than the recommendation for other females. Prenatal supplements often contain between 600 and 800 micrograms of folic acid per tablet, but not always. However, prenatal vitamins should be combined with food rich in folate, such as spinach, legumes and asparagus, for the most benefits.