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.
Section 1-1 Living Things and the Environment. All living and nonliving things that interact in a particular area make up an ecosystem. The place where an organism lives and that provides the things the organism needs is called its habitat. Needs include food, water, and shelter. A single ecosystem may contain many habitats. The living parts of an ecosystem are called biotic factors.