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QM Solutions

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Automated Mortgage Compliance

The Qualified Mortgage Rule

“The rule provides a presumption that creditors that originate Qualified Mortgages (QMs) have complied with the Ability-To-Repay (ATR) requirements. The QM standard helps protect consumers from unduly risky mortgages, and also gives you more certainty about potential liability.”


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There are four types of Qualified Mortgages under the rule.

  • General and Temporary QM definitions, can be originated by all creditors
  • Small Creditor and Balloon-Payment QMs, can only be originated by small creditors

The QM requirements generally focus on prohibiting certain risky features and practices, such as negative amortization and interest-only periods and loan terms longer than 30 years.

QMs that are not higher-priced have a safe harbor, meaning that they are presumed to comply with the ATR requirements.

QMs that are higher-priced have a rebuttable presumption that they comply with the ATR requirements, but consumers can rebut that presumption.

If you need to ensure you have complied with the Qualified Mortgage and Ability-To-Repay Rules, you need Compliance EAGLE -- the only compliance software that offers two QM solutions.