Loan to Value Requirements for a 2nd Mortgage

According to Prime Home Equity, 2nd mortgage loan to value requirements vary based on credit score, debt to income ratios and the size of the loan amount. Discuss your loan eligibility with one of our seasoned loan officers to determine the details for a possible 2nd loan. Loan to Value is an important financial term also known as LTV. With 2nd mortgages most banks will use the term, Total Loan to Value or TLTV because it is considering both liens against the appraised value of your house. Some lenders will call this Combined Loan to Value or CLTV. Many banks and credit unions that advertise really low interest rates will require more equity or a lower loan to value than most of the 2nd mortgage LTV's are required from the companies associated with this site. Of course we suggest getting all of the LTV requirements from all second mortgage companies you are considering.

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1 Second Mortgage
Credit Score

Maximum Loan to Value



700 to 719


680 to 699


660 to 679


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