The Combined Loan-to-Value (CLTV) ratio is the ratio of all secured loans on a property to the value of a property. Lenders use the CLTV ratio to determine a prospective borrower’s risk of default when more than one loan is used. The CLTV ratio is determined by adding the balances of all outstanding loans and dividing by the current market value of the property (Appraised Value).
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Each of the programs is subject to borrower and property qualifications. Rate, terms, and conditions are subject to change without prior notice.
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