Qualified Mortgage & Ability To Repay
Trust your QM & ATR Challenges to CoreLogic
Third Party Verification and Documentation
CoreLogic provides third party verification and full documentation to help you comply with the ATR and the CFPB's audit requirements. CoreLogic has the compliance solutions you need, when you need them, delivered how you want them, from the platforms you already use.

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Tel: (866) 774-3282

QM & ATR Compliance Made Easy
The QM and ATR Rules require you to make a “reasonable and good faith determination at or before the consummation that the consumer will have a reasonable ability to repay the loan according to its terms.” You now have two related compliance challenges.
- You must develop processes that assure the “production” of compliant loans.
- You must have the ability to document such compliance to a regulator.
Solutions to Satisfy Each ATR Requirement
Whether or not you plan to originate QM-compliant loans, as of Jan. 10, 2014, every loan that you originate must comply with the 8 ATR requirements.
Current or reasonably expected income or assets (other than the value of the dwelling)
Verification of Employment and Income (VOE/VOI)
CoreLogic Credco Verification of Employment and Income (VOE/VOI) services help prevent fraudulent attempts at obtaining a loan, and save you time by providing a reliable and streamlined way to verify an applicant’s employment and income information.
4506-T Direct
A simple way to verify income information, directly from the IRS. 4506-T Direct provides tax return information for multiple types of tax transcripts in 24-48 hours.
Current employment status
Verification of Employment and Income (VOE/VOI)
CoreLogic Credco Verification of Employment and Income (VOE/VOI) services help prevent fraudulent attempts at obtaining a loan, and save you time by providing a reliable and streamlined way to verify an applicant’s employment and income information.
The monthly payment on the covered transaction
Loan Center for Retail Lending
Our software-as-a-service (SaaS) solution brings the advantages of the cloud to mortgage loan origination. But that’s just the beginning.
The monthly payment on any simultaneous loan
Instant Merge
Instant Merge is the most widely available and accepted three bureau credit report in the mortgage industry. Combining credit data from one, two or all three national credit bureaus into a convenient single report in a common format, it’s an ideal fit for most lending situations.
LQ GAP Report
The LQ GAP report provides a fully automated variance or "gap" reporting solution that identifies and summarizes any changes in a borrower’s credit report between pre-approval and pre-funding.
The monthly payment for mortgage-related obligations
Instant Merge
Instant Merge is the most widely available and accepted three bureau credit report in the mortgage industry. Combining credit data from one, two or all three national credit bureaus into a convenient single report in a common format, it’s an ideal fit for most lending situations.
LQ GAP Report
The LQ GAP report provides a fully automated variance or "gap" reporting solution that identifies and summarizes any changes in a borrower’s credit report between pre-approval and pre-funding.
Current debt obligations, alimony, and child support
Instant Merge
Instant Merge is the most widely available and accepted three bureau credit report in the mortgage industry. Combining credit data from one, two or all three national credit bureaus into a convenient single report in a common format, it’s an ideal fit for most lending situations.
LQ GAP Report
The LQ GAP report provides a fully automated variance or "gap" reporting solution that identifies and summarizes any changes in a borrower’s credit report between pre-approval and pre-funding.
4506-T Direct
A simple way to verify income information, directly from the IRS. 4506-T Direct provides tax return information for multiple types of tax transcripts in 24-48 hours.
The monthly debt-to-income ratio or residual income
Loan Center for Retail Lending
Our software-as-a-service (SaaS) solution brings the advantages of the cloud to mortgage loan origination. But that’s just the beginning.
Credit history
Instant Merge
Instant Merge is the most widely available and accepted three bureau credit report in the mortgage industry. Combining credit data from one, two or all three national credit bureaus into a convenient single report in a common format, it’s an ideal fit for most lending situations.
LQ GAP Report
The LQ GAP report provides a fully automated variance or "gap" reporting solution that identifies and summarizes any changes in a borrower’s credit report between pre-approval and pre-funding.