What is a 125 equity loan, also known as a high loan to value (HLTV) loan ? In the past, the most you could borrow with a home equity loan was the difference between your house’s market value and the balance on your mortgage. Today, lenders are aggressively hawking a new breed of loan,known as a high loan-to-value (HLTV), or negative-equity mortgage – that lets you borrow as much as 25% more than your home is worth.

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