Expanded Ratio

Debt-to-Income (DTI) ratios are one of the major factors considered when qualifying for most mortgage loans. Today’s conventional or government-backed mortgages set the parameters for DTI ratios that can be approved, but Gateway’s Expanded Ratio program uses alternative means to qualify homebuyers when it comes to evaluating their ability to repay a new mortgage loan.


Is It Right for You?

An ideal solution for homebuyers who have good credit, income and assets, and the liquidity for strong down payments; great for the self-employed, real estate investors with multiple mortgages, and high net worth individuals with non-traditional income.


Is It Right for Your Situation?

Primary residence, second homes and investment properties, single family and 2-4 unit properties, condos and townhomes, and Planned Unit Developments (PUDs); maximum loan amounts up to $2,000,000.


Features and Benefits

  1. Higher debt-to-income ratios (DTI) allowed than traditional mortgage programs
  2. Non-traditional income may be considered in DTI calculation
  3. Gift funds allowed for down payment (primary residence only)
  4. Fixed rate options: 15- and 30-year terms
  5. Adjustable Rate Mortgage (ARM) Programs: 5/1, 7/1
  6. Cash-out refinances allowed for qualified borrowers


If you’re concerned about qualifying for a home loan because of a high debt-to-income ratio, you’re not alone. Whether you are weighted down by significant student loans or your personal situation requires you to carry more debt than the average person, don’t worry, Gateway’s Expanded Ratio program may be just what you need.

Ready to get expert advice and determine what works best for your personal situation? Contact one of our local, caring mortgage professionals at a Mortgage Center Near You.