To be considered a qualified mortgage, the loan must have specific features and meet designated underwriting requirements. Based on your understanding of what constitutes a qualified mortgage, all of the following features describe a qualified mortgage except .

The correct answer is d. the loan does not require verification of underwriting information from third party records.

Explanation:

A qualified mortgage has better guarantees than a normal one, since it is flexible with respect to the availability of each borrower in order to cancel the debt during the initially agreed time. Within the group of statements, d is the only one that does not correspond to the nature of this type of mortgage, since verification of the subscriber's information is necessary to assess their ability to pay and to project potential income streams.

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