▁increase ▁to ▁mit ig ate ▁the ▁perce ived ▁risk . ▁ ▁L enders ▁perce ive ▁that ▁the ▁bor ro wer ▁is ▁less ▁likely ▁to ▁value ▁the ▁second ▁home ▁if ▁the ▁bor ro wer ▁was ▁faced ▁with ▁financial ▁difficulties . ▁ ▁A ▁non - owner ▁occupied ▁property ▁is ▁viewed ▁and ▁pr iced ▁as ▁the ▁highest ▁risk ▁factor ▁of ▁property ▁use . ▁ ▁L enders ▁will ▁factor ▁in ▁a ▁ 0 . 5 % ▁to ▁ 2 . 5 % ▁pr icing ▁increase ▁to ▁mit ig ate ▁the ▁perce ived ▁risk . ▁ ▁Ask ▁a ▁corresponding ▁mort g age ▁bro ker , ▁mort g age ▁bank er , ▁or ▁ret ail ▁bank er ▁for ▁specific ▁pr icing ▁adjust ments ▁according ▁to ▁property ▁use . ▁ ▁Category : M ort g age <0x0A> </s> ▁Charles ▁L . ▁Kre h me yer ▁ ▁( J uly ▁ 5 , ▁ 1 8 6 3 ▁– ▁February ▁ 1 0 , ▁ 1 9 2 6 ) ▁was ▁a ▁ 1 9 th - century ▁professional ▁baseball ▁player . ▁ ▁External ▁links ▁ ▁Category : 1 8 6 3 ▁birth s ▁Category : 1 9 2 6 ▁death s ▁Category : M aj or ▁League ▁Baseball ▁catch ers ▁Category : M aj or ▁League ▁Baseball ▁out field ers ▁Category : Louis ville ▁Col on els ▁players ▁Category : St . ▁Louis ▁Brow ns ▁( AA ) ▁players ▁Category : St . ▁Louis ▁Mar o ons ▁players ▁Category : 1 9 th - century ▁baseball ▁players ▁Category : Col