Dispute Credit Report What is loan-to-value and how does it determine the size of the loan? The loan to value ratio is the amount of money you borrow compared with the appraised value of the home you are purchasing. Each loan has a specific LTV limit. For example: With a 95% LTV loan on a property priced at $100,000, you could borrow up to $95,000. The higher the LTV, the less cash buyers are required to pay out of...... Similar Editorial : Credit Report by John Mcfadden. | Source : Credit Score