Lakeview provides a portfolio of home financing products for qualified buyers who, for various reasons, may not qualify for financing in the traditional conforming and jumbo markets. Some products meet the definition of a Qualified Mortgage (QM) while others may not, but all portfolio products contain program parameters and underwriting standards that are in compliance with ability-to-repay (ATR) Requirements.
Those who do not meet QM Debt-to-Income requirements. For those who meet residual income requirements, it allows for up to 55% DTI , usable for the financing of primary homes and cash-out refinances.
At a minimum, Bayview may consider the following underwriting factors:
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