Which of the following is NOT a correct description of qualified mortgages? Group of answer choices

1. They must comply with regulations issued by the Consumer Financial Protection Bureau.
2. Their term cannot exceed 30 years.
3. They place limits on the borrowers debt-to-income ratio.
4. They must be retained by the lending institution that originated the mortgages and cannot be sold. 5
5. They cannot be interest-only mortgages or result in negative amortization