{"id":216615,"date":"2023-11-16T11:44:30","date_gmt":"2023-11-16T11:44:30","guid":{"rendered":"https:\/\/namso-gen.co\/blog\/what-percentage-of-house-value-can-i-borrow\/"},"modified":"2023-11-16T11:44:30","modified_gmt":"2023-11-16T11:44:30","slug":"what-percentage-of-house-value-can-i-borrow","status":"publish","type":"post","link":"https:\/\/namso-gen.co\/blog\/what-percentage-of-house-value-can-i-borrow\/","title":{"rendered":"What percentage of house value can I borrow?"},"content":{"rendered":"<p>When it comes to purchasing a house, the question of how much you can borrow is crucial. After all, buying a home is a significant financial decision that requires careful planning. One key factor that determines the amount you can borrow is the percentage of the house value that lenders are willing to extend as a loan. Let&#8217;s dive into this topic and address the question directly.<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_62 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/namso-gen.co\/blog\/what-percentage-of-house-value-can-i-borrow\/#What_Percentage_of_House_Value_Can_I_Borrow\" title=\"What Percentage of House Value Can I Borrow?\">What Percentage of House Value Can I Borrow?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/namso-gen.co\/blog\/what-percentage-of-house-value-can-i-borrow\/#Here_are_some_related_FAQs\" title=\"Here are some related FAQs:\">Here are some related FAQs:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/namso-gen.co\/blog\/what-percentage-of-house-value-can-i-borrow\/#1_What_is_a_down_payment\" title=\"1. What is a down payment?\">1. What is a down payment?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/namso-gen.co\/blog\/what-percentage-of-house-value-can-i-borrow\/#2_Can_I_borrow_more_than_the_appraised_value_of_the_house\" title=\"2. Can I borrow more than the appraised value of the house?\">2. Can I borrow more than the appraised value of the house?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/namso-gen.co\/blog\/what-percentage-of-house-value-can-i-borrow\/#3_How_can_I_improve_my_chances_of_borrowing_a_higher_percentage\" title=\"3. How can I improve my chances of borrowing a higher percentage?\">3. How can I improve my chances of borrowing a higher percentage?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/namso-gen.co\/blog\/what-percentage-of-house-value-can-i-borrow\/#4_Can_I_borrow_100_of_the_house_value\" title=\"4. Can I borrow 100% of the house value?\">4. Can I borrow 100% of the house value?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/namso-gen.co\/blog\/what-percentage-of-house-value-can-i-borrow\/#5_Does_the_size_of_the_loan_affect_the_percentage_I_can_borrow\" title=\"5. Does the size of the loan affect the percentage I can borrow?\">5. Does the size of the loan affect the percentage I can borrow?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/namso-gen.co\/blog\/what-percentage-of-house-value-can-i-borrow\/#6_What_is_loan-to-value_ratio_LTV\" title=\"6. What is loan-to-value ratio (LTV)?\">6. What is loan-to-value ratio (LTV)?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/namso-gen.co\/blog\/what-percentage-of-house-value-can-i-borrow\/#7_Can_I_borrow_more_if_I_have_a_co-signer\" title=\"7. Can I borrow more if I have a co-signer?\">7. Can I borrow more if I have a co-signer?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/namso-gen.co\/blog\/what-percentage-of-house-value-can-i-borrow\/#8_Does_the_term_of_the_loan_impact_the_percentage_I_can_borrow\" title=\"8. Does the term of the loan impact the percentage I can borrow?\">8. Does the term of the loan impact the percentage I can borrow?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/namso-gen.co\/blog\/what-percentage-of-house-value-can-i-borrow\/#9_Are_there_any_restrictions_on_borrowing_for_investment_properties\" title=\"9. Are there any restrictions on borrowing for investment properties?\">9. Are there any restrictions on borrowing for investment properties?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/namso-gen.co\/blog\/what-percentage-of-house-value-can-i-borrow\/#10_Can_I_borrow_a_higher_percentage_with_a_higher_credit_score\" title=\"10. Can I borrow a higher percentage with a higher credit score?\">10. Can I borrow a higher percentage with a higher credit score?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/namso-gen.co\/blog\/what-percentage-of-house-value-can-i-borrow\/#11_Does_the_location_of_the_property_affect_the_percentage_I_can_borrow\" title=\"11. Does the location of the property affect the percentage I can borrow?\">11. Does the location of the property affect the percentage I can borrow?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/namso-gen.co\/blog\/what-percentage-of-house-value-can-i-borrow\/#12_How_can_I_determine_the_maximum_amount_I_can_borrow\" title=\"12. How can I determine the maximum amount I can borrow?\">12. How can I determine the maximum amount I can borrow?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"What_Percentage_of_House_Value_Can_I_Borrow\"><\/span><b>What Percentage of House Value Can I Borrow?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The percentage of house value that you can borrow typically ranges from 80% to 95%. However, this will depend on various factors, including your credit score, income stability, and debt-to-income ratio. Lenders assess these aspects to determine the risk involved in lending to you.<\/p>\n<p>While the range mentioned above is common, the specific percentage can vary from lender to lender. Some financial institutions may offer higher loan-to-value ratios, allowing you to borrow up to 95% of the house value. On the other hand, some lenders may be more conservative and limit the amount to 80% or less.<\/p>\n<p>It&#8217;s important to note that borrowing the maximum percentage of the house value isn&#8217;t always the best option. In some cases, a larger down payment can help you secure a more favorable interest rate or lower your monthly mortgage payments. It&#8217;s crucial to assess your financial situation and consult with a mortgage specialist to determine what&#8217;s best for you.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Here_are_some_related_FAQs\"><\/span>Here are some related FAQs:<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<h3><span class=\"ez-toc-section\" id=\"1_What_is_a_down_payment\"><\/span>1. What is a down payment?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nA down payment is the initial payment you make towards the purchase of a house. It is typically a percentage of the total house value and is paid upfront.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"2_Can_I_borrow_more_than_the_appraised_value_of_the_house\"><\/span>2. Can I borrow more than the appraised value of the house?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nTypically, lenders do not lend more than the appraised value of the house. The loan amount is usually based on the lower of the appraised value or the purchase price.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"3_How_can_I_improve_my_chances_of_borrowing_a_higher_percentage\"><\/span>3. How can I improve my chances of borrowing a higher percentage?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nMaintaining a good credit score, having a stable income, and reducing your debt-to-income ratio can increase your chances of borrowing a higher percentage of the house value.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"4_Can_I_borrow_100_of_the_house_value\"><\/span>4. Can I borrow 100% of the house value?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nIn some cases, there are specialized loan programs that allow borrowers to finance 100% of the house value. However, they often come with stricter eligibility criteria and may require private mortgage insurance (PMI).<\/p>\n<h3><span class=\"ez-toc-section\" id=\"5_Does_the_size_of_the_loan_affect_the_percentage_I_can_borrow\"><\/span>5. Does the size of the loan affect the percentage I can borrow?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nThe size of the loan itself does not directly affect the percentage you can borrow. However, lenders may consider the loan amount when assessing your ability to repay the loan.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"6_What_is_loan-to-value_ratio_LTV\"><\/span>6. What is loan-to-value ratio (LTV)?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nLoan-to-value ratio (LTV) is the percentage of the house value that you are borrowing. It is calculated by dividing the loan amount by the appraised value of the property.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"7_Can_I_borrow_more_if_I_have_a_co-signer\"><\/span>7. Can I borrow more if I have a co-signer?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nHaving a co-signer with good credit and stable income may increase your chances of borrowing a higher percentage of the house value.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"8_Does_the_term_of_the_loan_impact_the_percentage_I_can_borrow\"><\/span>8. Does the term of the loan impact the percentage I can borrow?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nGenerally, the term of the loan does not impact the percentage you can borrow. However, longer loan terms may affect the overall cost of the loan.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"9_Are_there_any_restrictions_on_borrowing_for_investment_properties\"><\/span>9. Are there any restrictions on borrowing for investment properties?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nYes, lenders often have stricter guidelines for borrowing on investment properties. The maximum percentage you can borrow may be lower compared to a primary residence.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"10_Can_I_borrow_a_higher_percentage_with_a_higher_credit_score\"><\/span>10. Can I borrow a higher percentage with a higher credit score?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nHaving a higher credit score may increase your chances of borrowing a higher percentage of the house value as it demonstrates your creditworthiness.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"11_Does_the_location_of_the_property_affect_the_percentage_I_can_borrow\"><\/span>11. Does the location of the property affect the percentage I can borrow?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nThe location of the property typically does not impact the percentage you can borrow. However, it may influence the interest rate and terms offered by lenders.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"12_How_can_I_determine_the_maximum_amount_I_can_borrow\"><\/span>12. How can I determine the maximum amount I can borrow?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nTo determine the maximum amount you can borrow, you can consult with a mortgage specialist who will assess your financial situation, including income, credit score, and debts, to provide an accurate estimate.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>When it comes to purchasing a house, the question of how much you can borrow is crucial. After all, buying a home is a significant financial decision that requires careful planning. One key factor that determines the amount you can borrow is the percentage of the house value that lenders are willing to extend as &#8230; <\/p>\n<p class=\"read-more-container\"><a title=\"What percentage of house value can I borrow?\" class=\"read-more button\" href=\"https:\/\/namso-gen.co\/blog\/what-percentage-of-house-value-can-i-borrow\/#more-216615\">Read more<span class=\"screen-reader-text\">What percentage of house value can I borrow?<\/span><\/a><\/p>\n","protected":false},"author":54,"featured_media":107420,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[86279],"tags":[],"class_list":["post-216615","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-learn","no-featured-image-padding"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>What percentage of house value can I borrow?<\/title>\n<meta name=\"description\" content=\"When it comes to purchasing a house, the question of how much you can borrow is crucial. 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