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Volume 22 - Number 14

July 6, 2018

Downloads Available: Top Agency QM Patch Seller-Issuers: 1Q18

Downloads Available: QM Patch in Agency MBS Business: 2015-2018

Agencies Leaning More on ‘QM Patch’

Fannie Mae, Freddie Mac and Ginnie Mae are relying more heavily on special rules that grant most of their single-family business qualified-mortgage status even if the debt-to-income ratio of the loan exceeds 43 percent. [Includes two data charts.]

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With loan volumes declining, does your shop have plans to enter the non-QM lending market in 2019?

Yes, definitely. A solid move forward.


Yes, but only incrementally.


We’re pondering a move into non-QM, but haven’t made up our mind.


No, definitely not. We view it has too risky.