| http://www.w3.org/ns/prov#value | - This prohibition does not apply to: (a) a mortgage with a payment schedule that is adjusted to the seasonal or irregular income of the consumer; (b) a loan with maturity of 12 months or less, if the loan is a bridge loan connected with the acquisition or construction of a dwelling intended to become the consumer's principal dwelling; or (c) a loan that is a qualified mortgage (qualified mortgage
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