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AFR Policies/Forms

Policy

  • File remains subject to all Qualified Mortgage (“QM”) and Ability-to-Repay (“ATR”) underwriting guidelines, including Points and Fees thresholds through consummation. AFR will not originate, close, fund, or purchase any loan that is not legally deemed as a QM.
  • Any loan that is classified as a Rebuttable Presumption must have all HPML provisions applied.
  • AFR will not originate, close, fund or purchase any loan that is not legally deemed as a QM. Non-QM loans are not permitted.
  • All files remain subject to all ATR /QM guidelines through consummation.
  • AFR requires a compliance certification evidencing all loans comply with ATR/QM rules. Note: Correspondent and Delegated Correspondent clients (C and CDE) must provide a compliance certification showing evidence all loans comply with ATR/QM rules.

Forms

Lender Affiliate Fee Detail and Certification

Broker Processing Affiliate Certification

AFR Correspondent QM Points And Fees Test