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Loan basics

HCLTV

Also known as: high combined LTV, home equity CLTV, HELOC CLTV

Combined LTV using the full HELOC credit limit, not just the amount drawn.

HCLTV (sometimes called high combined LTV or home equity CLTV) treats the entire HELOC credit line as if it were used, plus the first mortgage, divided by home value. It can be higher than CLTV based only on the current draw. Lenders may underwrite to both CLTV and HCLTV limits.

See also

Combined loan-to-value (CLTV)Credit limitHELOCLoan-to-value (LTV)
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