| http://www.w3.org/ns/prov#value | - Before the financial crisis there was a technique to split a high LTV (Loan-to-Value) loan over 80% into two loans: the 1st mortgage up to 80% LTV; and the 2nd mortgage or HELOC which covers a loan amount over 80% LTV not to pay PMI. On today???s market the 2nd position HELOC is available up to 85% CLTV (Combined LTV which includes 1st and 2nd mortgages).
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