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Summary of New Qualified Mortgage (QM) Rule

NAR has been actively involved in shaping the debate and structure of the Qualified Mortgage (QM) Rule issued by the Consumer Financial Protection Bureau (CFPB) created by the Dodd-Frank Reform Act.  NAR achieved a significant victory in obtaining a safe harbor in the QM rule for loans underwritten to the automated standards of Fannie Mae/Freddie Mac, the Federal Housing Authority, Veterans Administration and Rural Housing Service (within their respective loan limits) for up to seven years.

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See how safe REALTORS® feel in this report with a foreword by NAR President Chris Polychron.

Improved buyer demand at the beginning of 2015 pushed pending home sales in January to their highest level since August 2013.

Local markets broadly picked up across all property types in January 2015.

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