---
title: "QM Points and Fees Test"
method: POST
path: "/v1/tools/check_qm_points_and_fees"
tags: ["TODO_TAGS_REVIEW", "TODO_AP2_EXPORT_REVIEW"]
---

# QM Points and Fees Test

`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

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

## Request body

- object
  - `loan_amount` number
  - `points_and_fees` number
  - `year` number

## Response `200`

Successful tool execution result

- object
  - `effective_date` string
  - `fr_citation` string
  - `headroom` integer
  - `limit` integer
  - `limit_fixed` string
  - `limit_pct` integer
  - `limit_type` string
  - `loan_amount` integer
  - `note` string
  - `pass` boolean
  - `points_and_fees` integer
  - `regulatory_basis` string
  - `tier_label` string
  - `year` integer

---

[API](https://skmtc.dev/ainumbers/apis/ainumbers-co-fintech-intelligence-suite.md) · [All operations](https://skmtc.dev/ainumbers/apis/ainumbers-co-fintech-intelligence-suite/llms.txt) · [OpenAPI document](https://skmtc.dev/ainumbers/apis/ainumbers-co-fintech-intelligence-suite/revisions/b462e4f5bb28?raw)