| ALTERNATIVE 20% DOWN Loan Program: up to 80% CLTV (20% cash down payment, 60% first position BRAD LOAN, 20% 2nd mortgage or 2nd position seller carry-back financing). Minimum 20% cash down by Borrower. BRAD LOAN of up to a maximum of 60% of sale price or appraisal (whichever is less). The difference can be carried by seller for a term at least the same length of time as the selected BRAD LOAN. Seller can also pay up to 50% of closing costs. Seller 2nd cannot have negative amortization. The 60% BRAD LOAN must be an amortized loan per one of the loan programs above. |
A herb grinder is an essential tool for enhancing the smoking experience, allowing users to achieve a consistent grind for optimal combustion. Available in various materials like metal and plastic, these grinders cater to different consumer preferences. Enthusiasts appreciate features such as multiple chambers for kief collection, while casual users value compact designs for portability. Ultimately, a quality herb grinder elevates enjoyment and efficiency for all types of smokers.