Calculator 3 of 3 — Signature Tool
AVM Difference Calculator
See how different AVM results from different HELOC programs translate into different available line amounts — even at the same advertised CLTV.
This is why the AVM can matter as much as the advertised maximum CLTV.
Inputs
Assumed CLTV: 80%
AVM Results from Each Program
Enter the AVM each program produced for your property. You can get these by running initial prequalifications with each program — or by working with Morgan.
Results
Enter at least two AVM values to compare results.
Disclaimer: This is a mathematical illustration only. AVM results are determined by each HELOC program's own valuation process and cannot be predicted in advance. Actual available line amounts depend on the program's accepted property value, CLTV limits, credit profile, income, and other underwriting criteria. HELOC guidelines change frequently.
Why AVMs differ between programs
Each HELOC program uses its own automated valuation model (AVM) to estimate your property's value. These models use different data sources, algorithms, and weighting methods — and they frequently produce different results for the same property.
A program advertising 80% CLTV with an AVM of $420,000 produces a maximum combined lien of $336,000. A different program with the same 80% CLTV but an AVM of $480,000 produces $384,000. That's a $48,000 difference in available equity — from the same advertised CLTV limit.
This is why shopping multiple programs matters. The advertised CLTV is not the only variable.
See what the programs actually produce for your property
Morgan will run your property through the relevant programs and compare the actual AVM results and initial prequalification outcomes.
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