---
title: Ability to Repay and Qualified Mortgage (QM) Findings Report
description: Review QM Findings early & often to ensure the loan starts as a QM loan, remains a QM loan as the loan figures are finalized & closes as a QM loan.
---

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# QM Findings

### Ensure that loans meet Qualified Mortgage (QM) guidelines

## Demonstrate QM Compliance Throughout the Origination Process

Review QM Findings early and often to ensure the loan starts as a QM loan, remains a QM loan as the loan figures are finalized, and closes as a QM loan.

  

![QM Findings for QM Compliance](https://www.loanscorecard.com/hs-fs/hubfs/Products/products-qm-findings-qm-compliance.png?width=700&height=547&name=products-qm-findings-qm-compliance.png)

![icon-products-QM-findings](https://www.loanscorecard.com/hubfs/Icons/icon-QM-displays.svg)

### Displays calculations

for points, fees, APR, APOR, DTI, and qualified rate.

![icon-products-QM-findings](https://www.loanscorecard.com/hubfs/Icons/icon-QM-includes.svg)

### Includes points and fees cushions

in the total analysis.

![icon-products-QM-findings](https://www.loanscorecard.com/hubfs/Icons/icon-QM-provides.svg)

### Provides snapshots

of reports taken in real time.

![icon-products-QM-findings](https://www.loanscorecard.com/hubfs/Icons/icon-QM-runs.svg)

### Runs and saves multiple reports

for each loan for audit purposes.

![icon-products-QM-findings](https://www.loanscorecard.com/hubfs/Icons/icon-QM-explains.svg)

### Explains and confirms assessment

with QM messaging.

## Determine in Seconds Whether or Not a Loan Meets QM Guidelines

![Automating QM Assessments](https://www.loanscorecard.com/hubfs/Icons/icon-QM-automating.svg)

Automating QM Assessments

The QM Findings Report is laid out similarly to what users are accustomed to seeing in a Desktop Underwriter (DU) or Loan Product Advisor (LPA) findings report. However, its content is geared toward analyzing the loan file based on CFPB definitions and QM requirements.

![Visibility for All Stakeholders](https://www.loanscorecard.com/hubfs/Icons/icon-QM-visibility.svg)

Visibility for All Stakeholders

The QM Findings Report supports lending decisions in the event of an investor review, regulatory audit, or potential claim.

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