Reply To: Small Creditor QM DTI Loan Policy Exception December 17, 2013 at 12:07 pm EST #4492 elebraParticipant What if our policy stats that at consummation, DTI will not be above 36%. Initial rate has payment below 36% but when we “payment shock” it, it is above 36%. I know there is no limit for the small creditor but would this be an exception?
