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QRM Heightens Need for Verification Tools (Executive Essay)

Mortgage Banking 2011, May, 71, 8

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As part of the Dodd-Frank Wall Street Reform and Consumer Protection Act, seven federal agencies are jointly defining a Qualified Residential Mortgage (QRM). Such mortgage loans will be exempt from the law's risk-retention requirements because they are considered to be of "good" credit quality and thus, less likely to default. The potential impact of creating this new category of loans has taken center stage recently, with some reports indicating that the change will negatively affect the U.S. residential mortgage market and sustainable homeownership. There is some disagreement, however, as others claim that QRMs represent positive change--necessary to lead the country's housing market into recovery.

QRM Heightens Need for Verification Tools (Executive Essay)
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  • £2.99
  • Available on iPhone, iPad, iPod touch, and Mac.
  • Category: Industries & Professions
  • Published: 01 May 2011
  • Publisher: Mortgage Bankers Association of America
  • Print Length: 5 Pages
  • Language: English
  • Requirements: To view this book, you must have an iOS device with iBooks 1.3.1 or later and iOS 4.3.3 or later, or a Mac with iBooks 1.0 or later and OS X 10.9 or later.

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