loan to value ratios

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 · Loan to Value Ratio – Your loan to value ratio is calculated by the total dollar amount of the loan divided by the appraised value of the collateral. Most lenders will require the appraised value of your collateral to be higher than the loan amount. The lender is looking at this ratio to see how much breathing room they have.

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The loan to value ratio, or LTV ratio is used by lenders that represents the amount of the outstanding loan verses the market value of the property. The LTV ratio helps lenders determine risk when evaluating a borrowers mortgage application.

Loan-to-value ratio is the amount of your loan divided by the value of the asset (like a home or vehicle) that is securing the loan. When you apply for a loan, lenders will typically review your credit history and other financial factors like your debt-to-income ratio and credit scores.

The loan-to-value (LTV) ratio is essentially used as a measure of the risk by financial institutions and other lenders when considering a loan. Loans with higher LTV ratios are higher risk and, in most cases, result in a loan that costs more for the borrower.

A loan-to-value (LTV) ratio is a financial term used by lenders to describe the ratio between the value of your home loan and the home’s value, and represent the first mortgage line as a percentage of the total appraised value of your home.

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A loan to value (LTV) ratio describes the size of a loan you take out compared to the value of the property securing the loan. Lenders and others use LTV’s to determine how risky a loan is. A higher LTV ratio suggests more risk because the assets behind the loan are less likely to pay off the loan as the LTV ratio increases.

Loan-To-Value Ratio – LTV Ratio: The loan-to-value ratio (LTV ratio) is a lending risk assessment ratio that financial institutions and others lenders examine before approving a mortgage.

Instantly calculate your LTV and CLTV Ratios for up to three mortgages or leans against a single property, plus see a visual depiction of the ratio.