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The Best Home Improvement Loans of 2019 | U.S. News – This is the total loan-to-value ratio. However, some offer home equity loans that bring your total mortgaged value up to 100 percent. For example, if you originally bought your home for $250,000 and have since paid $60,000 on your mortgage, you now have $60,000 in equity and a loan balance of $190,000,

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