One of the stickier points of the new Qualified Mortgage rule is the debt-to-income ratio requirement being set at 43% and 3% cap on some of the fees associated with closing costs charged by parties that are affiliated with each other.  The fees are capped at 3% if loan is more than $100,000 or at much as 5% of a $20,000 to $60,000 loan.  If the cap on fees is 3% then lenders will have to adjust their fees and those charging REASONABLE FEES SHOULD HAVE NO PROBLEM.  All of this is from the Dodd-Frank Act of 2010 to stop predatory lending practices.  There are a few exceptions.  Get with a COMPETENT LOCAL LENDER when applying for a loan!!