The final rule generally prohibits loans with negative amortization, interest-only payments, balloon payments, or terms exceeding 30 years from being qualified mortgages as well as so-called "no.
Ability-to-Repay and Qualified Mortgage Rule. eligible to originate balloon-payment qualified mortgages.. qualified mortgages and how QM status works if there is a question about whether a creditor has assessed the borrower’s ATR.
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