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
Always talk with your doctor before starting to take prenatal vitamins. If you are trying to conceive or are pregnant, your doctor will likely recommend that you take them. While you can buy prenatal vitamins over the counter, doctors can prescribe them, too. Women who are carrying multiples, pregnant teenagers, and pregnant women with a history of substance abuse will all likely need prenatal vitamins.