---
title: What does LTV mean?
description: Looking to get a basic definition for the acronym LTV? Learn more about this term here.
---

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# What does LTV mean?

## Looking to get a basic definition for the acronym LTV? Learn more about this term here.

**LTV **is a commonly used acronym that stands for **Loan-to-Value** and refers often to a **Loan-to-Value Ratio**. The Loan-to-Value ratio shows the relationship between the amount borrowed and the appraised value of the property. 

You can calculate LTV easily by taking the **Loan Amount** divided by the [**Appraised Value**](https://info.completerealtysolutionsstl.com/appraisals) which equals the Loan-to-Value Ratio.

**LTV Ratio = Loan Amount / [Appraised Value](https://info.completerealtysolutionsstl.com/appraisals)**

This ratio helps a lender determine how much **equity** is in the home when a homeowner attempts to refinance or applies for a home equity loan. It can also be used by a lender to determine what interest rate they might qualify for or how much risk is associated with the loan.

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