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Volume 2019 - Number 3

February 1, 2019

ATR Rule Prompts Mixed Results for Non-QMs

The ability-to-repay rule helped improve loan performance for non-qualified mortgages but a robust secondary market for the loans hasnít developed, according to an analysis by the Consumer Financial Protection Bureau.

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Poll

Do mortgage lenders really need a new credit-scoring model or is the current FICO system adequate?

It’s fine. Stick with what works.

53%

Time for a change. Borrowers are different today.

35%

Undecided, still assessing the situation.

12%