2014- Qualified Mortgage

This year (January 2014) the Qualified Mortgage (QM) and Ability to Repay (ATR) rules have been adopted under the Dodd-Frank Act. A Qualified Mortgage (QM) is generally a mortgage that cannot include certain product features and that must be underwritten in accordance with specific underwriting Ability to Repay (ATR) guideline standards. The QM requirements are […]

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