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QM Ready



The CFPB’s Ability-to-Repay Rule (ATR Rule) requires that the creditor/lender evaluate the applicant’s ability to repay the loan before closing. By making a loan that meets the requirements for a “Qualified Mortgage” (QM), we are in presumed to be in compliance with the ATR Rule. If a loan is a QM, it carries protection from the borrower alleging that the creditor violated the ATR Rule.

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