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TODO_AP2_EXPORT_REVIEW

QM Points and Fees Test

Qualified Mortgage points-and-fees test per Reg Z §1026.43(e)(3). Applies version-pinned 2021-2026 tier table with Federal Register citations. Covers five tiers: 3% for loans over tier-1 minimum, fixed dollar amounts for mid-range loans, 5% and 8% for smaller loans. Agents hallucinate current-year thresholds; this node supplies authoritative version-pinned values.

Tool URL: https://ainumbers.co/chaingraph/art-218-qm-points-and-fees.html

post/v1/tools/check_qm_points_and_fees

Request

  • Base URL: https://ainumbers.co
  • URL: https://ainumbers.co/v1/tools/check_qm_points_and_fees
  • Auth: none declared

Request body

loan_amountnumber
points_and_feesnumber
yearnumber

Response

Successful tool execution result

effective_datestring
fr_citationstring
headroominteger
limitinteger
limit_fixedstring
limit_pctinteger
limit_typestring
loan_amountinteger
notestring
passboolean
points_and_feesinteger
regulatory_basisstring
tier_labelstring
yearinteger

Changes

No recorded changes to this operation across all 1 revision of this API.