It looks like 125% Loan to Value home equity loan, meaning that if your house were worth $100,000 the loan could be $125,000. Didn't think anyone was doing stuff like this anymore, as this is one type of loan that got people into financial trouble down the road.
Home equity loans traditionally have not been anywhere near the full value or above the value of a home, either.
So we're confused, please help us and we will try to answer the question.
Coldwell Banker Vanguard