{"product_id":"hpmls-hcmls-and-hcpts","title":"HPMLs, HCMLs, and HCPTs","description":"\u003cp class=\"x_MsoNormal\" data-olk-copy-source=\"MessageBody\"\u003eProperly identifying these loan varieties is crucial for good compliance management.  You need to know if you have triggered one, so that your financial institution can either reprice the loan to avoid such status, or accept the risk and comply with the requirements.\u003c\/p\u003e\n\u003cp class=\"x_MsoNormal\"\u003eAlso, all of these varieties have an impact on a loan’s Qualified Mortgage status, which satisfies mandatory Ability-To-Repay (ATR) compliance.  What a tangled web!  Learn the impacts of each, along with a general overview of ATR \/ QM requirements. If your institution makes consumer real estate loans, you need to know this information well. \u003c\/p\u003e\n\u003cp class=\"x_MsoNormal\"\u003e\u003cb\u003e\u003cu\u003eTopics covered in this course\u003c\/u\u003e\u003c\/b\u003e\u003c\/p\u003e\n\u003cul type=\"disc\"\u003e\n\u003cli class=\"x_MsoListParagraph\"\u003eIdentifying High-Cost, Higher-Priced, and Other Loan Varieties\u003c\/li\u003e\n\u003cli class=\"x_MsoListParagraph\"\u003eCompliance Triggers and Repricing Decisions\u003c\/li\u003e\n\u003cli class=\"x_MsoListParagraph\"\u003eImpact on Qualified Mortgage Status\u003c\/li\u003e\n\u003cli class=\"x_MsoListParagraph\"\u003eAbility-to-Repay Requirements and QM Overview\u003c\/li\u003e\n\u003c\/ul\u003e","brand":"BankersHub","offers":[{"title":"Default Title","offer_id":47163175108783,"sku":"LIC0825261","price":299.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0646\/2894\/9167\/files\/HPMLs_HCMLs_andHCPTs.png?v=1783693681","url":"https:\/\/www.bankershub.com\/products\/hpmls-hcmls-and-hcpts","provider":"BankersHub","version":"1.0","type":"link"}