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.
Also called temperate grasslands, these habitats have evolved over thousands of years to withstand wind, storms, torrential rainfall, fire, and grazing by large animals. A prairie usually has taller grasses than a steppe; some of the dry, short-grass prairie of North America's Great Plains is also called a steppe.