Mortgage Loan-to-Value Calculator

Whether you're wondering if you have enough equity to qualify for the best rates, or you're concerned that you're too far upside-down to refinance under the Home Affordable Refinancing plan, the loan-to-value ratio is important.
To find out your loan-to-value ratio, enter the amounts below.
Current appraised value or market value of home:
Outstanding balance on first mortgage:
First mortgage loan-to-value (LTV)
Have a second mortgage or other lien on the property? Continue below.
Current balance on home equity line or home equity loan:
Enter the amount of any other liens on the property (tax liens, mechanics liens, etc):
Cumulative loan-to-value (CLTV)

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30 yr fixed average
3.89%

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