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Open Question: Is my home equity line of credit included in a bank's Loan-to-Value ca

Open Question: Is my home equity line of credit included in a bank's Loan-to-Value ca

This is a discussion on Open Question: Is my home equity line of credit included in a bank's Loan-to-Value ca within the Mortgage Refinancing forums, part of the Mortgage and Loans Forum category; I'm looking to refinance my house and while the loan amount on my first mortgage is 800K, my house is ...

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11-30-2008, 07:06 AM

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Open Question: Is my home equity line of credit included in a bank's Loan-to-Value ca

I'm looking to refinance my house and while the loan amount on my first mortgage is 800K, my house is appraised at $1M. However I also have a home equity line of credit for $100K. I'm only looking to refinance the first mortgage, however. Will the bank count the HELOC, in addition to the new first mortgage, when evaluating the refinancing of the first mortgage? Thanks.

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