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Combined Loan To Value Ratio - ... The LTV ratio is calculated as the amount of the mortgage lien divided by the appraised value of the property, expressed as a percentage. For example, a borrower taking on a $92,500 mortgage to purchase a home appraised at $100,000 would have an LTV ratio of 92.50% (92,500/100,000).
Lenderâs Escrow Instructions: Instructions produced by the Office of Loan Programs for an escrow or title company detailing the documentation and procedures required before a loan is funded. Loan-to-Value (LTV) Ratio: The ratio of the principal balance of a mortgage loan to the value of the securing property, as determined by the purchase price or Appraised Value, whichever is less.