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Combined Loan-to-Value (CLTV)


Combined loan-to-value (CLTV) is a percentage calculated by dividing your total outstanding mortgage(s) – or liens – by the market value of the property.

For example, for informational purposes only, if your:
Outstanding Balance: Mortgage = $100,000
Outstanding Balance: Second Mortgage = $50,000
Total Liens = $150,000
Market Value = $350,000
Combined Loan-to-Value: 43%