Expanded Ratio Product

Portfolio Products – Expanded Ratio

Ideal for customers who do not meet QM debt-to-income (DTI) requirements.  For those who meet the residual income requirements, this product allows for up to 55% DTI and can be used for the financing of primary homes, as well as cash-out refinances.


  • 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

View Product Page PDF

Contact your representative or UnderwritingQuestions@BayviewLoanServicing.com for information on product flexibility and exceptions.

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