[Samurai]

...mortgage lenders and brokers , please? who can tell me what loan to value ratio iswhat ' s in the ratiohow are they determinedwhat factors would affect this ratio or what factors we would consider when discuss something related to this 2 ) i know in most cases , the mortgage lenders will do a property appraisal to find out what the house is really worth but why they do that ?who can tell me what gross debt service ratio formula is as well as mortgage lender ' s gross debt service ratio and total gross debt service ratiowhat are in the ratiohow are they determinedwhat factors would affect those ratiosthanks