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Qualified Mortgage

Qualified Mortgage (QM) is a law about ensuring lenders only make loans to borrowers who have the ability to repay the loan.

May 27, 2015
This survey covers QM/ATR rule trends, including the 3% cap on points and fees, impacts of TRID, FHA indemnification, and FHA condo financing rules.
April 15, 2015
The House of Representatives passed H.R. 685, “The Mortgage Choice Act” by a vote of 286-140.
April 10, 2015
On March 30, 2015, NAR submitted comments to the CFPB on proposed changes to mortgage rules that were finalized in January of 2013.
March 27, 2015
On Thursday, March 26, 2015 The House Financial Services Committee passed H.R. 685, “The Mortgage Choice Act” with bipartisan support after an intense effort by NAR and coalition partners.
February 20, 2015
The New Year brought a slew of regulatory changes that impact the GSEs, FHA, VA, and the market in general.



Why is it getting harder to get a mortgage? What does it mean for you?