_:n3aaff635c3114251bb95e076c2acf89cxb0
<http://schema.org/description>
"Confused on the Ability to Repay (ATR)/Qualified Mortgage (QM) Rule and its impact on the Higher-Priced Mortgage Loan (HPML) requirements?  Remember that some QM’s have special rate thresholds: A Small Creditor Portfolio QM or Balloon Payment QM isn't a higher-priced covered transaction (HPCT) unless it exceeds the Average Prime Offer Rate"
<https://www.bankerscompliance.com/atrqmhcmhpml-confusion/>