---
title: Qualified Mortgages & Safe Harbor
description: Understand the importance of Qualified Mortgages and the safe harbor provisions they provide, ensuring compliance and protection for lenders. Learn more in our detailed blog post.
---

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# [Qualified Mortgages & Safe Harbor](https://blog.bankerscompliance.com/en/qualified-mortgages-safe-harbor)

 Written by [Kevin Edwards](https://blog.bankerscompliance.com/en/author/kevin-edwards) | Mar 18, 2025 8:02:13 PM

The purpose of [Regulation Z](https://www.consumerfinance.gov/rules-policy/regulations/1026/)’s Ability to Repay and Qualified Mortgage (QM) requirements are all about determining, to the best of your ability, whether the applicant(s) can pay back the loan. While there is a lot of criteria to meet and things to consider, it bears mentioning that it’s okay to make a loan that does not meet the QM standards. Non-QMs do not provide any kind of safe harbor, however. Loans that do meet QM status provide either a conclusive safe harbor or a rebuttable presumption of compliance safe harbor which can help you if the loan ends up in court later on.

Kevin explains these more in the video.

<https://blog.bankerscompliance.com/hs/cta/wi/redirect?encryptedPayload=AVxigLKKMz4KnAh4en1yOcL9FaHek5RbTmlflgCmuqaKMrBOUSlx1UBZI5VG%2BhUyp2xxxm0S6cvD546Dx6u4%2F%2FYy4cGuS9z5NSwl%2FAqgSd%2F%2F23eDGWYtSiHzF9mEsdSVop2w4GYEOpTm2uNs3PO1cIAuzQ3ZA7SqcPmBp7rgCot1u3J%2BTfQ5C%2F8hDDZZg%2FoYcmzN5SKQ&webInteractiveContentId=181387517823&portalId=21201105>

Published  
2025/03/18

[View full post](https://blog.bankerscompliance.com/en/qualified-mortgages-safe-harbor)

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