Explaining QM in 5 minutes or less………
• With FHA, we are allowed to have a higher priced mortgage loan (HPML) so long as the loan passes the FHA Safe Harbor Test. • In this instance, the loan can fail the HPML Test and still be QM Safe Harbor. • A full appraisal (interior and exterior) is required to be completed by a licensed and certified appraiser. ................
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