Expanded Ratio Product

Call us at 855.253.8439 to learn more about our loan programs and products.


Our Expanded Ratio product is ideal for customers who do not meet QM Debt-to-Income (DTI) requirements. This product allows for up to 55% DTI for customers who meet our residual income requirements, and can be used for the financing of primary homes, as well as cash-out refinances.

Explore your options with Bayview Loan Servicing

  • Up to $1,500,000 loan amount
  • 680+ FICO score
  • 85% LTV or less
  • 15-year and 30-year fixed-rate
  • Competitive 5/1 and 7/1 low interest rate ARMs available
  • 55% DTI or less
  • Eligible for non-warrantable condos, when primary or secondary
  • 6 or 12 month reserves
  • Cash-out loans available


Best for Customers…

Who are unable to meet traditional debt-to-income requirements.

We make exceptions! Speak with your representative or contact UnderwritingQuestions@BayviewLoanServicing.com and learn about the flexibility of our products.

To view the PDF version of the Expanded Ratio product page, click here.

Designed & Developed by Figment Design