Just wondering...while I understand that HELOC's are exempt from ATR, what if you are dealing with a closed end mortgage request and the customer has a HELOC that will still be in place after the closing? For purposes of DTI calculation, what payment amount should be used? Thank you.
"When you believe He's all you need,that will be your defining moment." [from "Defining Moment" Newsong, Sheltering Tree CD]