After all the webinars, training sessions, program and system changes, the ability-to-repay or qualified mortgage rule is finally going live.

ATR Day is Jan. 10 and this back-to-basics underwriting rule makes the lending process more complex and increases the amount of information lenders have to document and keep to prove a borrower has the financial wherewithal to repay the loan.

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Authoritative analysis and perspective for every segment of the mortgage industry