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Loan to Value (LTV)Ratio from the Real Estate Lender's Perspective
In the case of owner occupied homes, lenders allow higher Loan to Value Ratios. History shows that homeowners do their best to keep their mortgages current .
http://realestate.about.com/od/lendingandmortgages/p/loan_to_value.htm

Understanding Loan to Value Ratio (LTV Ratio)
You've heard the term Loan to Value Ratio (LTV) but what does it really mean? . risk rating so they can benefit from the best loan terms and rates of interest.
http://www.realtor.com/home-finance/homebuyer-information/understanding-loan-to-value-ratio-ltv-ratio.aspx

Maximum Loan-to-Value Ratio Definition | Investopedia
The maximum ratio of a loan's size to the value of the property, which secures the loan. The loan-to-value ratio is a measure of risk used by lenders. Different .
http://www.investopedia.com/terms/m/maximum_loan_to_value_ratio.asp

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Loan to Value Ratio | Mortgage LTV | The Truth About Mortgage.com
Oct 12, 2009 . Monday mortgage Q&A: “What is the loan to value ratio?” You've probably heard the phrase loan-to-value ratio get thrown around a lot lately,
http://www.thetruthaboutmortgage.com/what-is-loan-to-value/