The Federal Deposit Insurance Corporation is the 1st of 6 financial regulators to release the final verson of the long-awaited qualified residential mortgage (QRM) rule, which stems from the 2010 financial crisis.  The QM rule provides ability-to-repay standards for sale and affordable loans, whether or not they are securitized for sale to investors.  The QRM and QM rules are now aligned, such as the borrower’s debt-to-income ratio is 43% and no onerous down payment requirement.  The QRM rule takes affect in 12 months, but lenders have been already lining up with the QR code.  All this can be a widening and deepening of loan availability, which has been the main stumbling block to increased home.  NAR chief economist  Lawrence Yun said the alignment of the 2 rules could help make credit more available and boost sales.