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You asked: How is my combined loan-to-value calculated for a home equity loan or line of credit

We matched that to: How is my combined loan-to-value calculated for a home equity loan or line of credit?

Combined loan-to-value (CLTV) is a percentage calculated by dividing your total outstanding
mortgage(s)–or liens–by the market value of the property.

For example, for informational purposes only, if your:

Outstanding Balance: Mortgage = $100,000

Outstanding Balance: Second Mortgage = $50,000

Total Liens = $150,000

Market Value = $350,000

Combined Loan-to-Value: 43%

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