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CLTV Mortgage, Combined Loan-to-Value Ratio Mortgage

40,000 for $287/Month*. Fixed Rate Home Equity Loan. CLTV is short for combined loan to value ratio. This ratio implies a first and second mortgage over the property value. The CLTV is often used to determine if you are eligible to refinance your mortgage or to take out a home equity loan or a HELOC. To understand CLTV, we will walk through an example. Suppose you have a property that is appraised at $200,000 and you have a first mortgage where you owe $120,000 and a second mortgage balance of $10,000.

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