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Balloon mortgage loans and ATR/QM rules

Answered by: 

Are balloon payment loans still allowed?

Yes. With certain considerations, a balloon loan can be made under the (c)(2) eight factors option, but will not be a qualified mortgage. A qualified mortgage balloon loan can be made by small creditors under option (f).


Learn more about Jack Holzknecht’s ATR/QM Review and Update webinar.

First published on 06/06/2021

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