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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.

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.
February 6, 2015
On Tuesday, Feb. 3, 2015, H.R. 685 "The Mortgage Choice Act" was introduced in the House of Representatives.

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Video

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