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The Equity in Your Home

Find out how much you may be able to borrow

The loan-to-value ratio of your home and the ratio requirements of the lender determine how much equity is available for a home equity line of credit (HELOC) or home equity loan. The loan-to-value (LTV) ratio is calculated by taking total mortgage debt (including any second mortgages or existing home equity loans) and dividing it by the current, appraised value of the home. Higher loan-to-value allowances can result in larger home equity loans or lines of credit. Calculate your available equity based on the LTV.