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Early Access

Bayview Early Access Product

Call us at 85-Lakeview (855-253-8439) to learn more about our loan programs and products

The Early Access product is designed to make mortgages available to borrowers who have impaired credit as a result of certain life events and therefore may not be eligible for financing with traditional agency or jumbo investors. The Early Access product may be a better alternative for borrowers who receive a referral to a manual underwriting  based upon an “AUS” decision. Traditional jumbo mortgage investors generally require minimum FICO scores of 700 with limited acceptance of late payments on trade lines. Derogatory mortgage history, bankruptcy and foreclosure parameters for this product may be less restrictive than FHA, GSE and/or traditional investor Jumbo parameters. This product allows for the financing of single family owner occupied, second homes and non-owner occupied properties. The product is QM compliant.

Additional product underwriting guidelines include the following:

  • Standard loan amounts to $850,000 (higher loan amounts possible as exceptions)
  • Minimum FICO score of 620
  • Maximum LTV of 80%
  • 15 & 30 yr Fixed ; 5/1 & 7/1 ARMs
  • Residual income test is applicable
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