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Combined Loan to Value Ratio (CLTV)

Combined Loan to Value Ratio (CLTV)

The CLTV takes your total principal balances, from all loans against your property, and divides them by the fair market value of your property. For example, a home worth $200,000 with a first mortgage of $120,000 and as second mortgage of $30,000 has a CLTV of 75%.


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