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Volume 2014 - Number 6

March 14, 2014

Non-Agency Lenders Adjust to QM, ATR

Two months after the Consumer Financial Protection Bureauís ability-to-repay requirements took effect, non-agency lenders seem to have adjusted to the rule. The debt-to-income ratio requirements for qualified mortgages do not appear to have prevented many borrowers from obtaining a mortgage and lenders have adjusted their documentation requirements. ďTo my knowledge we havenít lost any sales because people didnít qualify under the QM banner,Ē said ...

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The year is almost 75% done. How is mortgage origination volume at your shop?

We will fund about the same as we did in 2016.
We will fund more than last year – by a little.
We will fund more than last year – by a lot.
We will fund less than last year – by a little.
We will fund less than last year – by a lot.

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