Good news came from the new Director of the Consumer Finance Protection Bureau letting us know that there are not going to be any abrupt changes in their policies when it come to QM vs NonQM loans. This is great news because their policies are keeping loans with Debt To Income ratios higher than 43% as Qualified Mortgages instead of Non-QM loans. Non Qualified Mortgages fall under different loan requirements and is costlier for clients since interest rates are higher than QM loans.

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