source:
  type: regulation
  id: usda-7cfr-3555.109
  authority: 7 CFR Part 3555 — USDA Single Family Housing Guaranteed Loan Program § 3555.109 — Qualified mortgage
  description: '7 CFR Part 3555 — USDA Single Family Housing Guaranteed Loan Program, §3555.109 Qualified mortgage.
    Captured section-complete (all subsections verbatim).

    '
obligations:
- id: usda-7cfr-3555.109-full
  canonical_id: usda-7cfr-3555.109-full
  section: 7 CFR §3555.109
  description: 'Qualified mortgage: A qualified mortgage is a guaranteed loan meeting the requirements of this part
    and applicable Agency guidance, as well as the requirements in 12 CFR 1026.43(e)(2)(i) through (iii) and 12
    CFR 1026.43(e)(3). An extension of credit made pursuant to a program administered by a State Housing Finance
    Age…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - section-complete
  primary_source:
    tier: 1
    authority: 7 CFR Part 3555 — USDA Single Family Housing Guaranteed Loan Program § 3555.109
    source_class: ecfr-xml
    source_url: https://www.ecfr.gov/current/title-7/subtitle-B/chapter-XXXV/part-3555
    snapshot_id: 60bd6fb03befa14c
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:f1f884c828bb807baf369d30e1a9479648dfa62165e28511a0730ed785181a8b
    paragraph_quote: A qualified mortgage is a guaranteed loan meeting the requirements of this part and applicable
      Agency guidance, as well as the requirements in 12 CFR 1026.43(e)(2)(i) through (iii) and 12 CFR 1026.43(e)(3).
      An extension of credit made pursuant to a program administered by a State Housing Finance Agency is exempt
      from this requirement as defined in 12 CFR 1026.43(a)(3)(iv). Lenders will be allowed to cure unintentional
      errors and retain the qualified mortgage status if the conditions set in 12 CFR 1026.31(h) are met. [81 FR
      26464, May 3, 2016]
    drafter_attestation: Verbatim (whitespace-normalized) slice of §3555.109 (whole section) from snapshot 60bd6fb03befa14c;
      substring-verified.
  judgment: false
