In some cases, a low LTV (loan-to-values) does not facilitate a loan sufficient to pay off the existing mortgage lender, in order for the new lender to be in first lien position. Because a security interest in the property is the basis of making a loan or hard money loan, the new lender usually requires first lien position to the property. As an alternative to a potential shortage of equity beneath the minimum lender LTV guidelines, many money lender programs will allow a "Cross Lien" on another of the borrower's properties. The cross collateralization of more than one property on a money loan transaction, is also referred to as a "blanket mortgage". Not all borrowers have additional property to cross collateralize. Cross collateralizing or blanket loans are more frequently used with investors on Commercial Money Loan programs. VII does perform cross collateralization.