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What HPML loans are not covered by the HPML Appraisal Rule? (§ 1026.35(c)(2)) The rule exempts these loans (unless otherwise explained below, the rule exempts the loans from . all of. its requirements): Qualified Mortgages, as defined in Regulation Z § 1026.43 or under rules on qualified mortgages adopted by HUD, USDA, or VA, including ... ................
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