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Dec 11 2020, 9:24AM While here in Hawai’i, if anyone receives a message from me about canned meat, don’t open it. It’s Spam! With many sticking close to home, holiday traditions have renewed importance. Putting up the Christmas tree results in sap on your hands? Well, here’s how you get it off. Shelter in place like a boss! The CFPB is certainly being “a boss” and has issued two final rules to amend the ATR/QM Rule. These rules were largely in line with expectations. The General QM Final Rule amends the General QM definition and is available here. The Seasoned QM Final Rule creates a new category of qualified mortgages and is available here. Want a summary showing recent changes? Here you go. As long as I’ve been in this business the overriding principal has been to build a perfect mortgage, and right now, top lenders are firing on all cylinders: marketing, compliance & QC, origination, processing & closing, cost control, best execution in t

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