Home Equity Loan LTV Check

Check a home equity loan request against the combined loan-to-value cap. Preparation only, not an account action.

What to provide

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

How it works

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.

The output

file | home_value | balance | request | combined_ltv_pct | cap_pct | verdict

Worked fictional example

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.

Checks and limits

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.

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Method: reviewed source. Demand lead: Documented real-estate workflow need from the reviewed source; not measured exact intent. Site impressions are not monthly volumes; exact topic volume is unmeasured. Checked October 29, 2026.