# Qualified Mortgage Feature Scan

Scan a loan's points and fees against the qualified mortgage threshold that applies.

## Scope
Preparation and review only. No account action or professional decision.

## Inputs
The loan amount, the points and fees charged, and the threshold that applies at that size.

## Workflow
1. Record the loan amount.
2. Record the points and fees.
3. Recompute the points-and-fees share of the loan amount.
4. Compare the share with the threshold and return the scan.

## Output contract
loan | loan_amount | points_fees | share_pct | threshold_pct | verdict

## Fictional acceptance test
Fictional loan of 100,000 carried points and fees of 3,400: a share of 3.4% against a 3.0% threshold, 0.4 points over.

## Review gates
Keep original values, source IDs and version dates. Unknown facts stay held. Use qualified review for hiring, legal and accounting conclusions. No send, share, sign-in, scheduling, ledger change or payment. Fictional contract review is not a live account compatibility test.

## Method source
https://www.consumerfinance.gov/ask-cfpb/what-is-a-qualified-mortgage-en-110/

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