what does 125 financing mean 
typically when refinancing a home a homeowner can take out a 125 loan meaning that they can borrow an amount equal to 125 of the home s appraised value this type of financing comes into play when the house is worth less than what is owed on it can you get a 90 ltv a 90 ltv means a 90 loan to value ratio this is a comparison between your mortgage and the value of your home so for example a 300 000 home and a 270 000 mortgage would have a 90 loan to value ratio to achieve this you would need a downpayment of 10 of the home s value 30 000 in the u s most homes require a 20 downpayment in this example that would result in an ltv of 80 can i take equity out of my house without refinancing yes you can take equity out of your house without refinancing ways to do this include home equity loans home equity lines of credit and home equity investments 