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HUD publishes its final definition of a qualified mortgage Sun West Mortgage Company, Inc. – Mortgage Related Training. – On Dec 11, 2013, HUD published its Final Rule on Qualified Mortgage for FHA loans. HUD Qualified Mortgages (QM) fall into two categories, Rebuttable Presumption and Safe Harbor: Safe Harbor: Qualified mortgage with APR that is equal to or less than APOR plus 115 basis points plus Annual MIP.

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