Recent changes to Dodd-Frank law that are expected to be approved by President Trump will allow non-qualified mortgages at small banks if loan kept in house. How are such loans different from QM loans? What will this mean to borrowers? What type of home buyer does this appeal to? Requirements: Looking for small banks that specialize in non-QM loans, mortgage experts in these loans, and borrowers who may be more likely to buy a house if non-QM loans are easier to get.