### Question
Can you define what higher-risk mortgage means?


### Answer
**Higher-risk mortgage** is defined as the following in *15 U.S.C. § 1639h*:

> a residential mortgage loan, other than a reverse mortgage loan that is a qualified mortgage, as defined in section 1639c of this title, secured by a principal dwelling—


(1) that is not a qualified mortgage, as defined in section 1639c of this title

#### Citation:
  - *15 U.S.C. § 1639h*
  - Heading: **CHAPTER 41-CONSUMER CREDIT PROTECTION > SUBCHAPTER I-CONSUMER CREDIT COST DISCLOSURE > Part B-Credit Transactions**

