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  2. Hard money lending: Guide to hard money loans and lenders - AOL

    www.aol.com/finance/hard-money-lending-guide...

    Conservative loan-to-value (LTV) ratios: ... Fannie Mae guidelines specify an LTV ratio from 75 percent to as high as 97 percent. ... (HELOC) Cash-out refinance. Hard money loans are risky. This ...

  3. HELOC and home equity loan requirements in 2024 - AOL

    www.aol.com/finance/heloc-home-equity-loan...

    Key takeaways. To qualify for a home equity loan or line of credit, you’ll typically need at least 20 percent equity in your home. Some lenders allow for 15 percent.

  4. Conforming loans: What they are and how they work - AOL

    www.aol.com/finance/conforming-loans-203505330.html

    Down payment/home equity ... Loan-to-value (LTV) ratio – As high as 97 percent, ... down payment and loan size. Fannie Mae and Freddie Mac will only purchase conforming conventional loans.

  5. Loan-to-value ratio - Wikipedia

    en.wikipedia.org/wiki/Loan-to-value_ratio

    The loan-to-value (LTV) ratio is a financial term used by lenders to express the ratio of a loan to the value of an asset purchased. In real estate , the term is commonly used by banks and building societies to represent the ratio of the first mortgage line as a percentage of the total appraised value of real property .

  6. Conforming loan - Wikipedia

    en.wikipedia.org/wiki/Conforming_loan

    The most well-known guideline is the size of the loan, which for 2024 was generally limited to $766,550 for one-unit single family homes in the continental US. [2] Other guidelines include borrower's loan-to-value ratio (i.e. the size of down payment), debt-to-income ratio, credit score and history, documentation requirements, etc. [3]

  7. Cash-out refinance explained: How it works — and when it can ...

    www.aol.com/finance/what-is-cash-out-refinance...

    97% Loan to Value Options, Fannie Mae. Accessed January 23, 2025. Accessed January 23, 2025. VA funding fee and loan closing costs , U.S. Department of Veterans Affairs.

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