Loan to Value (LTV) Ratio
Loan Amount ($)
Property Value ($)
Loan-to-Value (LTV) compares mortgage amount to property value. Lower LTV = more equity = lower lender risk = better mortgage rates and no PMI at ≤ 80%.
- 1LTV = Loan / Property value × 100
- 2LTV ≤ 80%: no PMI, best rates
- 3LTV 80–90%: higher rates, likely PMI
- 4LTV > 95%: very limited lenders
Loan $270k, property $300k=LTV = 90% — higher rates and PMI likely required
| LTV | Rates | PMI |
|---|---|---|
| ≤ 60% | Best | No |
| 60–80% | Good | No |
| 80–90% | Higher | Usually yes |
| > 90% | Highest | Yes |
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