RMBS Frontline Perspectives: CFPB Updates to Qualified Mortgage Rules

Presented by

Mark Fontanilla and Corina Gonzalez

About this talk

RMBS Frontline Perspectives: CFPB Updates to Qualified Mortgage Rules and Significance for the Mortgage Finance Landscape In mid-December, the CFPB finalized updates to the Qualified Mortgage (QM) rules, including changes to the 43% DTI threshold, the introduction of a “Seasoned QM” category, and an amendment to the “QM Patch” expiration for GSE-acquired loans. The various updates are anticipated to impact U.S. mortgage lending and the RMBS market in a number of ways. Join DBRS Morningstar on January 12th at 2 p.m. EST as Mark Fontanilla leads a discussion on these updates including: the significance of the QM rule changes to the mortgage lending landscape, the impact on prospective borrowers’ home loan options, and what the possible QM/non-QM securitization effects may ultimately be. A Q&A session will follow.

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