{"type":"video","version":"1.0","html":"<iframe src=\"https://www.loom.com/embed/13347f8eb709458fa6131dd2059925ff\" frameborder=\"0\" width=\"1920\" height=\"1440\" webkitallowfullscreen mozallowfullscreen allowfullscreen></iframe>","height":1440,"width":1920,"provider_name":"Loom","provider_url":"https://www.loom.com","thumbnail_height":1440,"thumbnail_width":1920,"thumbnail_url":"https://cdn.loom.com/sessions/thumbnails/13347f8eb709458fa6131dd2059925ff-585b307e543fe7a0.gif","duration":1470.96,"title":"First National Bank (29/09/26)","description":"This Loom reviews First National lending policies and programs, focusing on “things you might not know” and when exceptions apply. It covers extended ratios up to 48:48 with pre-approval rates, explaining that the reason for the extended ratio matters, and outlines rental property addbacks and loan-to-value thresholds, including 100% addback with vacancy adjustments and gifted down payments up to 75% value with limits on rental ownership. It also discusses mortgage options like adding a second mortgage at prime plus one with fully open terms, waiving probation in certain scenarios, using return to work income on parental leave, and several income and residency programs for medical professionals with specified annual income amounts by year of residency or practice. The session concludes with additional case-by-case property considerations such as ALR and poly B piping fallback, and answers questions including bridge financing details."}