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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 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