31) Tara is searching for her dream home. She believes she has found it and wonders about the potential mortgage. The property has been recently valued at $480,000 by an appraiser. Tara has a down-payment of $108,000 available. What would Tara 's loan to value ratio be in this scenario? a) 0.775 b) 0.791 c) 0.334 d) 0.454