Here are the standards for the new ability to repay rules that will apply to QM. I recommend that you print it out, study it and keep it as a great reference tool when working with your clients. This isn’t just for underwriters as evaluating a loan should start with the first phone call. The better an originator knows their guidelines, the better your reputation with the real estate agents, and your internal staff. If you accomplish that you have no where to go but the top!!