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  • Generally, if a first-lien mortgage loan exceeds 1.5 percentage points over the Average Prime Rate Offer Rate (???APOR???), but is otherwise deemed a ???qualified mortgage,??? the creditor will is entitled to a rebuttable presumption that the loan meets the ATR requirements (as opposed to the more advantageous safe harbor that applies if the interest rate is not more than 1.5 percentage points ove
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