Non-QM Lending May Double or Triple in 2018 – While still in its infancy, non-QM lending is expected to get a major boost in 2018, this according to a forecast from S&P Global Ratings. The company said it expects the non-QM market to double or possibly triple in 2018 from current levels.. They point to a more liquid non-QM market, driven by improved and more efficient securitization, which should also lower spreads and make such lending.
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BCFP Publishes ATR/QM Rule and RESPA Servicing Rule. – 1/24/2019 · On January 10, 2019, the BCFP published two reports, mandated by the Dodd-Frank Act, assessing the effectiveness of the Ability-to-Repay and Qualified Mortgage Rule (ATR/QM Rule) and the 2013 RESPA Servicing Rule (Servicing Rule).
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VA Issues QM, Safe Harbor Rules – The Veterans Administration has issued an interim final rule defining what constitutes a QM or qualified mortgage under VA loan rules. The rule, which will be available for public comment until June 9.
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PDF Ability-to-Repay and Qualified Mortgage Rule – Additionally, the Bureau has issued four final rules and an interim final rule to amend and clarify provisions in the January 2013 Final Rule: the June 2013 ATR/QM Concurrent Final Rule, July 2013 Final Rule, October 2013 Final Rule, November 2013 Final Rule, September 2015 Final Rule, and March 2016 Interim Final Rule.
QM Points and Fees: What to Do about bona fide discount. – Lenders and clients of our firm continue to ask for clarifications regarding bona fide discount points in calculating QM points and fees. Many articles have been written, many webinars have been had, and many clarifications have been given, yet folks are still not sure about what to do about bona fide discount points. So, it is, I think, not redundant to go over the basics one more time.
PDF Circular 26-16-03 January 20, 2016 – 3. As of what date did VA’s Ability to Repay (ATR) standards and Qualified Mortgage (QM) definition become effective? A3. VA’s ATR standards and QM definition were published in the Federal Register as an Interim Final Rule (IFR) on May 9, 2014. See 79 FR 26620. The IFR became effective on the date of publication. 4.
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What Is a Non-QM Loan? | NonQMLoans.com – What Is a Non-QM Loan? After the most recent housing crisis, the Dodd-Frank Wall Street Reform and consumer protection act was signed into law in the summer of 2010 by President Barack Obama. Along with other regulatory reform, it created minimum standards for mortgages, including the Ability to Repay rule and a Qualified Mortgage definition .