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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.

Pending home sales continued to rise in May and are now at their highest level in over nine years.

Read essential information on the TILA-RESPA Integrated Disclosure rule, including the CFPB's proposed new implementation timeline.

Return buyers, those who formerly short sold a home or were foreclosed on, are looking for safe, affordable financing for their return purchase.

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