# Home Equity Loan LTV Check

Check a home equity loan request against the combined loan-to-value cap.

## Scope
Preparation and review only. No account action or professional decision.

## Inputs
The home value, the existing mortgage balance and the requested loan amount.

## Workflow
1. Record the home value and existing balance.
2. Record the requested loan amount.
3. Recompute the combined LTV as balance plus request divided by value.
4. Compare with the cap and return the check without approving anything.

## Output contract
file | home_value | balance | request | combined_ltv_pct | cap_pct | verdict

## Fictional acceptance test
Fictional file had a value of 400,000, a balance of 260,000 and a 50,000 request: combined LTV of 77.5% against an 80% cap, within the limit.

## Review gates
Keep original values, source IDs and version dates. Unknown facts stay held. Use qualified review for hiring, legal and accounting conclusions. No send, share, sign-in, scheduling, ledger change or payment. Fictional contract review is not a live account compatibility test.

## Method source
https://www.consumerfinance.gov/ask-cfpb/what-is-a-home-equity-loan-en-106/

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