APPENDIX H - Total Training Solutions
The construction phase (12 months or less) of a construction-to-perm loan. General Ability-to-Repay Requirements. The new ATR/QM rule requires a lender to make a reasonable, good-faith determination that the consumer has a reasonable ability to repay the loan. ... Loans that have an appraisal conforming to the FNMA or FHLMC appraisal standards ... ................
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