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.
There is another distinct group of living things that live both on land and in water and they are referred to as amphibious. As for the type of habitat, the term terrestrial may also be used. Land as a habitat is called a terrestrial habitat to distinguish from water that is called aquatic habitat. A terrestrial habitat would therefore indicate the habitat specifically for terrestrial living things whereas an aquatic habitat pertains to the various shelters of aquatic living things in different water forms.