How does a home equity loan figure in to my LTV if I want to refinance my home?I have a very attractive rate on my home equity loan and do not wanbt to pay it off. Since it is behind the primary mortgage in the protection for the lender, does it eat up my LTV ratio? April 21 2009 - US00YesReport a ProblemProblemSelect oneOffensive contentIrrelevant contentSpam (pure self-promotion)OtherDetailsYour emailPlease enter a valid email address.Submit CancelContent flaggedWe will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.We're sorry. This service is temporarily unavailable. Please come back later and try again.