Department of Labor Federal Credit Union

What is the Loan to Value Ratio of my home?

The Loan to Value Ratio (LTV) shows how much equity you have in a house relative to the amount you want to borrow or already have borrowed, and is one of the key risk factors assessed by lenders. A higher LTV ratio means higher risk for the lender, and may keep you from getting a loan. The highest LTV most lenders will accept is 95% with very good credit. Keep an eye on your LTV ratio over time as your mortgage balance is paid down, and as your house appreciates in value, because you may be able to eliminate the cost of monthly PMI insurance if the ratio is below 80%.

Mortgage & Lien Information

Current Mortgage Loan Balance:
Second Mortage Loan Balance:
Lien Balances (If any):

Property Information

Appraised Value:

Current Loan Amount

Enter the current balance of your mortgage.

Second Mortgage Loan Amount

Enter the current balance(s) of all your second mortgage(s) or home equity loan(s).

Lien Amount

Enter the total amount of any liens on the property (tax liens, mechanics liens, etc).

Appraised Property Value

Enter the appraised value of your property.


Department of Labor Federal Credit Union

Serving employees and contractors who work for the Department of Labor, their families and associated organizations. See website for details.

200 Constitution Ave
Rm S-3220
Washington, DC 20210-0001
(202) 789-2901

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