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Daniela Afonso Realtor®

Daniela Afonso Realtor®Daniela Afonso Realtor®Daniela Afonso Realtor®

Your global real estate. Your local

Your global real estate. Your local Your global real estate. Your local

Learn how much credit you can get

LTV  (Loan-to-Value) refers to the ratio between the amount of a loan and the value of the property being used as collateral. In an equity line, the LTV represents the maximum amount that a lender will allow a borrower to borrow against the value of their home. 

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Home Equity line LTV Calculation

Here is an example of how to calculate the loan-to-value (LTV) ratio for a home equity line of credit (HELOC):


Suppose the market value of your home is $400,000 and you have a $200,000 mortgage balance on it. Let’s say you find a lender who’s willing to give you a HELOC with 80% LTV.  To calculate the equity in your home, multiply your home’s value by 80% and subtract the result from your current mortgage  balance:


$400,000  X  80% = $320,000

$320,000 – $200,000 = $120,000


In this scenario, you could potentially get a credit limit of up to $120,000.*


* Disclaimer: For Illustrative purposes only

NOTE:

The LTV ratio for this example is 80%. 

The higher the LTV, the more equity the borrower has in the property and the more money they can potentially borrow.


* Our HELOC lender offers up to 95% LTV

How Much Can I Borrow?

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Learn How to Apply for an Equity Line

Rodrigo DeOliveira

Branch Manager | NMLS# 1435896

Mobile: 561-613-1935

rodrigo@ideallending.net

Ideal Lending

980 N Federal Hwy, #110, 

Boca Raton, FL 33432

Learn the Estimated Value of Your Home

290 Lexington Street, Waltham, Massachusetts 02452, United States

Daniela Afonso Realtor® | LIC# 9081186 Mobile: 617.201.9864 dafonso@c21ne.com Century 21 North East 290 Lexington street, Waltham MA 02452

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