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@wetdawgsI agree with what you wrote and wanted to answer that there is 33% equity but the trouble is it can be misleading. I made the assumption that dotman was interested in what LTV he should use when looking into refinancing and used that number for the purpose of refinancing. I probably should have clarified. Thank you for addressing it though as I probably shouldn't have assumed.
Assuming the Zestimate is the true appraised value (consider +/- 20% is most likely) Your equity is 220 - 148= 72 therefore, 72/220 = 33%. (You owe 67%)It is VERY scary that two lenders got it wrong!
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