Expanded Ratio Loan

For homebuyers who do not meet qualifying mortgage debt-to-income (DTI) requirements, this product allows for up to 55% debt-to-income ratios for customers who meet residual income requirements.

  • Up to $1,500,000 Loan Amount
  • 700+ FICO
  • Up to 80% Loan-to-Value
  • Up to 55% Debt-to-Income
  • 15 Year and 30 Year Fixed Rate Terms
  • 5/1 and 7/1 Low Interest Adjustable Mortgage Rates (ARMs) Available
  • Eligible for Non-Warrantable Condos, When Primary or Secondary Residency
  • 6 or 12 Month Reserves
  • Cash-Out Loans Available