1.1.................... moves to amend H. F. No. 3839 as follows:
1.2Page 4, lines 25 to 35, delete the new language and insert "The mortgage originator's
1.3analysis of the borrower's reasonable ability to repay may include, but is not limited to,
1.4consideration of the following items, if verified: (1) the borrower's current and expected
1.5income; (2) current and expected cash flow; (3) net worth and other financial resources
1.6other than the consumer's equity in the dwelling that secures the loan; (4) current financial
1.7obligations; (5) property taxes and insurance; (6) assessments on the property; (7)
1.8employment status; (8) credit history; (9) debt-to-income ratio; (10) credit scores; (11) tax
1.9returns; (12) pension statements; and (13) employment payment records, provided that no
1.10mortgage originator shall disregard facts and circumstances that indicate that the financial
1.11or other information submitted by the consumer is inaccurate or incomplete."