We have a loan that is failing QM points and fees. Our own title insurance company is providing the Lender's and Owner's Title Policy. Our question is, do we leave the Owner's Policy in the QM points and fees calculation? Owner's Title Ins is optional, disclosed in Section H on the LE and CD. Half of the crew says to leave in the calculation, it's paid to an affiliate. The other half want to take it out of the calculation because it's an optional item. My inclination is to leave it in the calculation since it's paid to our own title company.