Log in

Expanded Ratio Product

Bayview Expanded Ratio Product

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

The Expanded Ratio product is designed for consumers that do not meet the Debt-to-Income (DTI) requirement for products of many traditional mortgage investors. The Expanded Ratio Product allows for the financing of single family owner occupied, second homes and non-owner occupied properties.  Cash-out refinances permitted.

Underwriting guidelines allow for a maximum DTI of up to 55% (subject to meeting a 1.5x residual income test).  The program is non-QM.

Additional product underwriting guidelines include, but are not limited to, the following:

  • Standard loan amounts to $1.5 million
  • Minimum FICO score of 700
  • Maximum LTV of 80%
  • 15 & 30 yr Fixed ; 5/1 & 7/1 ARMs
  • QM appendix Q requirements are applied in calculating DTI
  • Residual income test is applicable




Copyright © 2018
Privacy Policy  | Security Statement  |  Site Map