Has everyone decided what they are going to do with regards to the ATR and Qualified Mortgages?
We have the ability to utilize the QM Special Rule (Temporary GSE); however, we also plan to utilize the Small Creditor QM. What DTI has your bank set for the Small Creditor QM? Also, if you plan to utilize the Ability to Repay what DTI will be used?

Any information that you can provide will be greatly appreciated.

Our general policy is 45%. I think we'll stick with that figure. Of course, there will be more IN that 45% than there currently is.

We are a Small Credit. Prior to ATR our max was 41%, we have increased it to 43%....