12/28/2023 0 Comments Stone sour nushellOver SMS and Messenger and Matrix and etc. On IRC I’ve never heard of a shift key, ever. I go back and forth, and it’s often context-dependent. I love Hindi and Punjabi as much as I love English – and in some cases those other languages have more sensible defaults compared to English – but letter casing is one area where English has them beat.Įven if it is your style of typing they may think you’re angry at them, I’ve found… and I’m not even much older than them. The rules might seem arbitrary if English is all you read, but they make a lot of sense. So I think that in modern English written using the Latin script, letter cases carry a lot of meaning and aid comprehension. Is that unfamiliar word the name of a person? A place? A brand? A language? Somebody’s title? The name of day or month or time period? Or just a word I haven’t come across before? However, I sometimes come across unfamiliar words in Hindi/Punjabi that I can’t figure out how to parse, most often in technical or political writing, and it’s here that not having a notion of letter casing hurts my reading comprehension. The scripts used to write Hindi and Punjabi – Devanagari and Gurumukhi, respectively – have no notion of letter casing. īesides English, I also read Hindi and a bit of Punjabi. Waited to see the pufferfsh hit a corner before reading TFA, and also appreciate the use of whitespace: pre overflow-x: auto. Sometimes replacing the underscores with spaces if i don’t need interpolation, omitting the pipe to cut if the destination isn’t whitespace-sensative, or indenting the HEREDOC into its own block by increasing cut’s offset This is especially egregious when used to include single quotes in single-quoted words (could probably be escaped cleanly insead, but idk):Īs for indented HEREDOCS, another commentor mentioned you can have tabs stripped but i indent exclusively with spaces because conventional Lisp indentation doesn’t follow regular tab-stops (aside: is this the only POSIX defined use of tabs outside of Make?). I hope this helped.My current approach is to use the chonky block of “Alternating Delimiters” for interpolation: My employer only writes to Special Rules (or Temporary QM) and General QM so I am not familiar on the other 2 QM's allotted by small creditors. As the entire conversation above states by the experts, how litigation proceedures will start will be an entire different issue. Whereas, if the loan meets the 6 requirements and is an HPML, than it has a "rebuttable presumption in which the borrower has a legal right to challenge the presumption of compliance. If the loan meets all of the 6 aforementioned requirements, and is not an HPML, than the loan creates a "conclusive" presumption of compliance, or Safe Harbor. that are verified in accordance with Appendix Q and the General Ability to Repay Test. Have applicant income, assets, debt, obligations, etc. Have a DTI of 43% or less, calculated in accordance with Appendix Q (not applicable to GSE's "Special Rules QM")Ħ. Have points and fees that do not exceed the applicable points and fees tier under the Rule ĥ. Be underwritten using a monthly payment calculated in accordance with the specific section of the Rule (potentially a different calculation than ATR)monthly related obligations and the monthly payment on a simultaneous loan calculated under the Rule Ĥ. Have substantially equal periodic payment that do not result in principal deferral, a balloon payment or negative amortization ģ. In order for a creditor to receive "presumption of compliance," they are required to meet 6 requirements (Under the General QM)-ġ. If a loan is "Non-QM," the creditor must (for minimum compliance) consider the potential borrower's ability to repay using the 8 factors to be taken into consideration. "so in the end, what is the difference between a QM loan and Non-QM loan? (that is what my lender wants to know)" For Non-QM/General ATR the burden of proof is on the lender.Īssuming your bank was considering the 8 factors of ATR all along, I'd say you've got it. The implications of the Non-QM (or General ATR) loan vs the QM loan is that their is no safe harbor or rebuttable presumption of compliance with the ATR rules for the Non-QM/General ATR loans. There are no points and fees limits, no DTI or Residual Income limits, other than to consider and verify. Lenders can continue to do ballon or interest-only loans as long as they consider and verify 8 ATR Underwriting factors. Non-QM (or General ATR as I have seen it referred to), is basically underwriting as it has been with the added "documentation" and "verification" of ATR. As I am reading all the comments, and looking back at training I took in 2013, and reading notes, etc., I think I am finally getting it.
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