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A loan to value is the percentage that you borrow from the value of a home. For example, if you have a $ 160,000 mortgage on a $ 200,000 home, the loan-to-value ratio will be %80. A Loan-to-Value calculator is available for you to help you estimate the amount owed on your mortgage compared to the current market value of your home. The calculator returns information based on input data about an existing mortgage. If you are currently buying a home or are already going through the mortgage process, you may hear the phrase loan - to-value ratio more than once.

LTV is important because lenders use it when considering whether to approve a loan and / or on what terms to offer the borrower. The higher the LTV, the higher the risk to lenders. The loan value ratio (LTV) is a percentage of the appraised value (or lower purchase price) of a borrowed home. Calculating the LTV is very simple; just take the amount you need to borrow, divide it by the property values, and then multiply the result by 100 to get the percentage value.

The LTV ratio is one of the most important factors in the mortgage process. Lenders want to ensure that even if you don't pay off the loan on time, they won't lose money because of the loan to you. Lenders use credit cost estimates in both purchase and refinancing transactions. However, the mathematical methods for determining your LTV vary depending on the purpose of the loan. From the lender's perspective, mortgages with a higher value ratio are more risky. Most mortgages with a mortgage share of more than 80% need mortgage insurance.

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