Qualified Mortgage Feature Scan

Scan a loan's points and fees against the qualified mortgage threshold that applies. Preparation only, not an account action.

What to provide

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

How it works

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.

The output

loan | loan_amount | points_fees | share_pct | threshold_pct | verdict

Worked fictional example

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.

Checks and limits

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.

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Method: reviewed source. Demand lead: Documented real-estate workflow need from the reviewed source; not measured exact intent. Site impressions are not monthly volumes; exact topic volume is unmeasured. Checked October 27, 2026.