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.
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"When you believe He's all you need,that will be your defining moment." [from "Defining Moment" Newsong, Sheltering Tree CD]