Ability to Repay Attestation
Borrower attestation certifying financial documentation accuracy and independent ability to repay conforming residential mortgage obligations.
Packaging & Submission Instructions
Originator Guidance: Complete and execute this form prior to upload with the initial loan submission package in the Corva Wholesale Broker Portal or Fannie Mae Desktop Originator.
Ensure all borrower signatures, entity documentation (for LLC or corporate borrowers), and applicable disclosures match the 1003 loan application. For assistance packaging this document, contact the Corva Broker Operations Desk at [email protected].
Form Description & Requirements
CFPB ATR/QM Rule Affirmations
This attestation documents compliance with Consumer Financial Protection Bureau (CFPB) Ability-to-Repay regulations under 12 CFR § 1026.43. The borrower verifies that all submitted income, employment, and asset documents accurately represent their true financial condition.