1026.43(e)
(3) Limits on points and fees for qualified mortgages. (i) Except as provided in paragraph (e)(3)(iii) of this section, a covered transaction is not a qualified mortgage unless the transaction's total points and fees, as defined in ยง 1026.32(b)(1), do not exceed:
1026.32
(b) Definitions. For purposes of this subpart, the following definitions apply:
(1) In connection with a closed-end credit transaction, points and fees means the following fees or charges that are known at or before consummation:
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The opinions expressed are mine and they are not to be taken as legal advice.