These mortgage loan programs constitute first mortgage liens secured by the home and property. The down payment is determined by the Loan to Value ratio. (90% LTV = 10% down payment) Loans exceeding 80% of the appraised value of the home require private mortgage insurance.
Habitats and ecosystems. Animals, plants, and all living things are adapted to life in their natural surroundings. These different environments are called habitats. They range from burning hot, dry deserts, to rain-soaked tropical forests, to frozen tundra. Every living species has its own favorite habitat, which it shares with other living creatures.
About Ocean Habitats. Habitats are places where plants and animals live. There are many different habitats in the oceans of the world. Every plant and animal in the ocean prefers a particular habitat. There are a wide variety of plants and animals that live in the different ocean habitats. Most of the life in the ocean is found in the upper 300 feet of water.