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# Why am I not receiving the option to apply the Refinance Non-Standard to Standard exemption to the Ability to Repay (ATR) requirements?

The Refinance Non-Standard to Standard exemption to the Ability to Repay (ATR) requirements is conditionally available on the Loan Definition page.

Refinance transactions are not eligible for the exemption when Different Lender is selected for Refinancing or Cash-Out Refinance, Cash-Out Debt Consolidation, or Cash-Out Home is selected for the Purpose Type.