{"id":12855,"date":"2025-12-08T09:24:19","date_gmt":"2025-12-08T00:24:19","guid":{"rendered":"https:\/\/blog.loaning.ai\/ko\/?p=12855"},"modified":"2025-12-09T16:08:23","modified_gmt":"2025-12-09T07:08:23","slug":"loan-application-initial-le-step-2","status":"publish","type":"post","link":"https:\/\/blog.loaning.ai\/ko\/12855\/","title":{"rendered":"Loan Application &amp; Initial LE(\uac00\uacac\uc801\uc11c) \ub2e8\uacc4 \ud544\uc218 \uc11c\ub958 \ucd1d\uc815\ub9ac_[\ubaa8\uae30\uc9c0 \uac00\uc774\ub4dc Ep.2]"},"content":{"rendered":"\n<!-- Pretendard \uc6f9\ud3f0\ud2b8 \ucd94\uac00 -->\n<link rel=\"stylesheet\" href=\"https:\/\/cdn.jsdelivr.net\/gh\/orioncactus\/pretendard\/dist\/web\/static\/pretendard.css\">\n<style>\n    body {\n        font-family: 'Pretendard', sans-serif;\n        margin: 0;\n        padding: 0;\n    }\n<\/style>\n\n\n\n<!-- Pretendard \uc6f9\ud3f0\ud2b8 \ucd94\uac00 -->\n<link rel=\"stylesheet\" href=\"https:\/\/cdn.jsdelivr.net\/gh\/orioncactus\/pretendard\/dist\/web\/static\/pretendard.css\">\n<style>\n    body {\n        font-family: 'Pretendard', sans-serif;\n        margin: 0;\n        padding: 0;\n    }\n<\/style>\n\n<div style=\"\n    background-color:#F5FBF7;\n    border-radius:16px;\n    padding:18px 22px;\n    margin:16px 0;\n    font-size:16px;\n    line-height:1.7;\n    color:#333333;\n\">\n    <h3 style=\"margin-top:0; margin-bottom:12px; font-size:18px;\">\n        \ud83d\udcdd <strong>Loan Application &#038; Initial LE 3\uc904 \uc694\uc57d<\/strong>\n    <\/h3>\n    <ul style=\"padding-left:20px; margin:0;\">\n        <li>\uc774 \ub2e8\uacc4\ub294 \u2018\uacf5\uc2dd \ub300\ucd9c \uc2e0\uccad\u2019\uc758 \uc2dc\uc791\uc774\uc790, \ub098\uc5d0\uac8c \ub9de\ub294 \ub300\ucd9c \uc870\uac74\uc744 \ucc98\uc74c\uc73c\ub85c \uc22b\uc790\ub85c \ud655\uc778\ud558\ub294 \uc911\uc694\ud55c \uc21c\uac04\uc785\ub2c8\ub2e4.<\/li>\n        <li>\uc774\ub54c \ub80c\ub354\ub294 \ucd08\uae30 \ub300\ucd9c \uacac\uc801\uc11c Initial Loan Estimate(Initial LE)\ub97c \ubc1c\uc1a1\ud558\uace0, \uace0\uac1d\uc740 \uc9c4\ud589 \ub3d9\uc758(Intent to Proceed, ITP)\ub97c \ud1b5\ud574 \u201c\uc774 \uc870\uac74\uc73c\ub85c \uc9c4\ud589\ud558\uaca0\uc2b5\ub2c8\ub2e4\u201d\ub77c\ub294 \uc758\uc0ac\ub97c \ud45c\uc2dc\ud558\uac8c \ub429\ub2c8\ub2e4.<\/li>\n        <li>\uc11c\ub958 \uc900\ube44\uc640 LE \ud655\uc778, ITP \uc11c\uba85 \ud0c0\uc774\ubc0d\ub9cc \uc798 \ucc59\uaca8\ub3c4, \uc774\ud6c4 \uc2ec\uc0ac\u00b7\uac10\uc815\ud3c9\uac00(Appraisal)\u00b7\ud074\ub85c\uc9d5\uae4c\uc9c0 \ube60\ub974\uac8c \uc644\ub8cc\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/li>\n    <\/ul>\n<\/div>\n\n\n\n<p>Loan Application &amp; Initial LE \ub2e8\uacc4\uc758 3\uac00\uc9c0 \ud575\uc2ec \ud3ec\uc778\ud2b8\uc640 \u2018\ube44\uc6a9 \uccad\uad6c \uc6d0\uce59(Zero Fee Rule)\u2019\uc744 \uccb4\ud06c\ud558\uba74 \ubb34\uc5c7\ub3c4 \ub450\ub835\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4. \uc624\ub298\uc740 \ubcf8\uaca9\uc801\uc778 \ub300\ucd9c \uc2e0\uccad \ub2e8\uacc4\uc5d0\uc11c \uc11c\ub958\ub97c \ud55c \ubc88\uc5d0 \ud1b5\uacfc\ud558\ub294 \ubc95\uacfc \ub0b4 \ub3c8\uc744 \uc9c0\ud0a4\ub294 ITP \uc11c\uba85 \ud0c0\uc774\ubc0d\uc744 \uc54c\ub824 \ub4dc\ub9bd\ub2c8\ub2e4.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"845\" height=\"315\" src=\"https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/12\/\uc544\ud2b8\ubcf4\ub4dc-7.png\" alt=\"\" class=\"wp-image-12858\" style=\"width:845px\" srcset=\"https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/12\/\uc544\ud2b8\ubcf4\ub4dc-7.png 845w, https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/12\/\uc544\ud2b8\ubcf4\ub4dc-7-300x112.png 300w, https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/12\/\uc544\ud2b8\ubcf4\ub4dc-7-768x286.png 768w, https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/12\/\uc544\ud2b8\ubcf4\ub4dc-7-750x280.png 750w\" sizes=\"auto, (max-width: 845px) 100vw, 845px\" \/><\/figure>\n\n\n\n<br>\n\n\n\n<br>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-1-loan-application-amp-initial-le-\uacf5\uc2dd-\ub300\ucd9c-\uc2e0\uccad\uc758-\uc2dc\uc791\" style=\"font-size:24px\"><strong>1. Loan Application &amp; Initial LE, \uacf5\uc2dd \ub300\ucd9c \uc2e0\uccad\uc758 \uc2dc\uc791<\/strong><\/h2>\n\n\n\n<p>Loan Application &amp; Initial LE \ub2e8\uacc4, \ubcf5\uc7a1\ud574 \ubcf4\uc77c \uc218 \uc788\uc9c0\ub9cc &#8216;\uc2e0\uccad&#8217;, &#8216;\uac00\uacac\uc801\uc11c(Initial LE)&#8217;, &#8216;\uc9c4\ud589 \ub3d9\uc758(ITP)&#8217;. \ub531 3\uac00\uc9c0\ub9cc \uae30\uc5b5\ud558\uc2dc\uba74 \ub3fc\uc694. <\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-nbsp-3\ub2e8\uacc4-\ud504\ub85c\uc138\uc2a4-apply-le-itp\"><strong>\u2705&nbsp;3\ub2e8\uacc4 \ud504\ub85c\uc138\uc2a4 (Apply \u2192 LE \u2192 ITP)<\/strong><\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>\uc9c4\ud589 \uc21c\uc11c<\/th><th>Task<\/th><th>\uc124\uba85<\/th><\/tr><\/thead><tbody><tr><td>1<\/td><td>\uc2e0\uccad(Application)<\/td><td>\uc18c\ub4dd, \uc790\uc0b0, \uc2e0\ubd84, \ubd80\ucc44, \ubd80\ub3d9\uc0b0 \uc815\ubcf4\ub97c \uacf5\uc2dd\uc801\uc73c\ub85c \ub80c\ub354\uc5d0\uac8c \uc81c\ucd9c\ud558\ub294 \uacfc\uc815\uc785\ub2c8\ub2e4.<\/td><\/tr><tr><td>2<\/td><td>\uacac\uc801 \uc218\ub839(Initial LE)<\/td><td><strong>\ucd08\uae30 \ub300\ucd9c \uc870\uac74\uacfc \ube44\uc6a9\uc744 \ubb38\uc11c\ub85c \uc548\ub0b4\ud558\ub294 \ub2e8\uacc4<\/strong>\uc785\ub2c8\ub2e4.<\/td><\/tr><tr><td>3<\/td><td>\uc9c4\ud589 \ub3d9\uc758(ITP)<\/td><td>\uacac\uc801\uc11c\ub97c \ubcf4\uace0 \ub9c8\uc74c\uc5d0 \ub4e0\ub2e4\uba74 &#8216;\uc9c4\ud589 \ub3d9\uc758(Intent to Proceed)&#8217;\uc5d0 \uc11c\uba85\ud569\ub2c8\ub2e4. \uadf8\ub798\uc57c \ub2e4\uc74c \ub2e8\uacc4\ub85c \ub118\uc5b4\uac11\ub2c8\ub2e4.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<br>\n\n\n\n<br>\n\n\n\n<hr class=\"wp-block-separator has-text-color has-cyan-bluish-gray-color has-alpha-channel-opacity has-cyan-bluish-gray-background-color has-background\"\/>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-2-loan-application-\uc720\ud615\ubcc4-\ud544\uc218-\uc11c\ub958-amp-\uc81c\ucd9c-\ub178\ud558\uc6b0\" style=\"font-size:24px\"><strong>2. Loan Application \uc720\ud615\ubcc4 \ud544\uc218 \uc11c\ub958 &amp; \uc81c\ucd9c \ub178\ud558\uc6b0<\/strong><\/h2>\n\n\n\n<p>Loan Application \ub2e8\uacc4\uc5d0\uc11c \uc11c\ub958\uac00 \uacc4\uc18d \ubc18\ub824\ub2f9\ud55c\ub2e4\uba74, \u2018\ub0b4\uc6a9\u2019 \ubcf4\ub2e4\ub294 \u2018\ud615\uc2dd\u2019\uc774 \ubb38\uc81c\uac00 \ub418\ub294 \uacbd\uc6b0\uac00 \ub9ce\uc2b5\ub2c8\ub2e4. \uc544\ub798 Tip\ub3c4 \uaf2d \uccb4\ud06c\ud574 \uc8fc\uc138\uc694.<\/p>\n\n\n\n<p><strong>[1] \uacf5\ud1b5 \ud544\uc218 \uc11c\ub958<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>\ud544\uc694\ud55c \uc11c\ub958<\/th><th>\ubd84\ub958<\/th><th>\ubaa9\uc801<\/th><\/tr><\/thead><tbody><tr><td>Government ID<br>SSN \uc778\uc99d<br>\uc601\uc8fc\uad8c\/\ube44\uc790(\ud574\ub2f9 \uc2dc)<\/td><td>\uc2e0\ubd84\uc99d<\/td><td>\ubcf8\uc778 \ud655\uc778\uc744 \uc704\ud574 \ud544\uc694\ud569\ub2c8\ub2e4.<\/td><\/tr><tr><td>Purchase Agreement<\/td><td>\ubd80\ub3d9\uc0b0 \uacc4\uc57d\uc11c<\/td><td>\uc5b4\ub5a4 \ub9e4\ubb3c\uc744, \uc5bc\ub9c8\uc5d0 \uad6c\ub9e4\ud558\uc2dc\ub294\uc9c0 \ud655\uc778\ud569\ub2c8\ub2e4.<\/td><\/tr><tr><td>Bank Statements<\/td><td>\uc740\ud589 \uac70\ub798 \ub0b4\uc5ed\uc11c<\/td><td>\uacc4\uc57d\uae08 \ubc0f \ub2e4\uc6b4\ud398\uc774\uba3c\ud2b8 \uc790\uae08 \uc99d\ube59\uc744 \uc704\ud574 \ucd5c\uadfc 2\uac1c\uc6d4 \uce58\uac00 \ud544\uc694\ud569\ub2c8\ub2e4.<\/td><\/tr><tr><td>Credit Report<\/td><td>\uc2e0\uc6a9 \uc870\ud68c<\/td><td>\uc8fc\ud0dd \ub2f4\ubcf4 \ub300\ucd9c \uc790\uaca9 \uac80\ud1a0\ub97c \uc704\ud574 \ud544\uc694\ud569\ub2c8\ub2e4.<br>(\ub3d9\uc758\ub9cc \ud574 \uc8fc\uc2dc\uba74 \ub429\ub2c8\ub2e4)<\/td><\/tr><tr><td>Borrower Certification<\/td><td>\ub3d9\uc758\uc11c<\/td><td>\uc2e0\uc6a9\uc870\ud68c\u00b7\uc18c\ub4dd\/\uc790\uc0b0 \uac80\uc99d\uc5d0 \ub300\ud55c \uace0\uac1d \ub3d9\uc758 \ud655\uc778<\/td><\/tr><tr><td>Earnest Money Deposit Receipt (EMD \uc601\uc218\uc99d)<\/td><td>\uc790\uae08 \uc99d\ube59<\/td><td>\uacc4\uc57d\uae08 \uc785\uae08 \ud655\uc778 \ubc0f \uacc4\uc57d \ud6a8\ub825 \ubc1c\uc0dd \uadfc\uac70<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">Tip:<br>\u2460 \ubaa8\ubc14\uc77c \ucea1\ucc98 \ud654\uba74\uc740 \uc778\uc815\ub418\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4. \ubc18\ub4dc\uc2dc \uc740\ud589 \uc0ac\uc774\ud2b8\uc5d0\uc11c PDF \uc6d0\ubcf8\uc744 \ub2e4\uc6b4\ub85c\ub4dc\ud558\uc138\uc694. <br>\u2461 \ucd5c\uadfc 2\uac1c\uc6d4\uce58, &#8216;\ubaa8\ub4e0 \ud398\uc774\uc9c0(All Pages)&#8217;\uc758 \uc740\ud589 \uac70\ub798 \ub0b4\uc5ed(Bank Statements)\uac00 \ud544\uc694\ud569\ub2c8\ub2e4. (\uc608: 1 of 5\ub77c\uace0 \uc801\ud600 \uc788\uc73c\uba74 \ube48 \uc885\uc774\uc778 5\ud398\uc774\uc9c0\uae4c\uc9c0 \ubaa8\ub450 \ub0b4\uc57c \ud569\ub2c8\ub2e4.)<\/figcaption><\/figure>\n\n\n\n<p><strong>[2] \uc9c1\uc7a5\uc778(W-2 Employee) \ud544\uc218 \uc11c\ub958<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>\uc9c1\uc7a5\uc778 \ud544\uc694 \uc11c\ub958<\/th><th>\ub300\uc0c1\uc790<\/th><th>\ubaa9\uc801<\/th><\/tr><\/thead><tbody><tr><td>Pay Stubs(30\uc77c \uce58)<\/td><td>\uae09\uc5ec \uba85\uc138\uc11c<\/td><td>\uc18c\ub4dd\uc758 \uc548\uc815\uc131 \ubc0f \ub300\ucd9c \uac00\ub2a5 \uae08\uc561 \ud655\uc778<\/td><\/tr><tr><td>W-2 or Tax Report(\ucd5c\uadfc 2\ub144 \uce58)<\/td><td>\uc5f0\uac04 \uc18c\ub4dd \ubcf4\uace0\uc11c<\/td><td>\uc2e0\uc6a9 \uc810\uc218 \ubc0f \ubd80\ucc44 \ube44\uc728(DTI) \ud655\uc778\uc6a9<\/td><\/tr><tr><td>VOE<\/td><td>\uc7ac\uc9c1 \uc99d\uba85\uc11c<\/td><td>(\ud544\uc694 \uc2dc) \ud604\uc7ac \uc7ac\uc9c1 \uc0ac\uc2e4 \uc5ec\ubd80 \ud655\uc778<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\"><strong>Tip:<\/strong> \uae09\uc5ec \uba85\uc138\uc11c\uc5d0 \ubcf8\uc778 \uc774\ub984, \ud68c\uc0ac\uba85, \ub0a0\uc9dc\uac00 \uc9e4\ub9ac\uc9c0 \uc54a\uac8c &#8216;\uc804\uccb4 \ud398\uc774\uc9c0&#8217;\ub97c \uc81c\ucd9c\ud558\uc138\uc694.<\/figcaption><\/figure>\n\n\n\n<p><strong>[3] \uc790\uc601\uc5c5\uc790\/\ubc95\uc778(Self-Employed) \ud544\uc218 \uc11c\ub958<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>\uc790\uc601\uc5c5\uc790\/ \ubc95\uc778 \ud544\uc694 \uc11c\ub958<\/th><th>\ub300\uc0c1\uc790<\/th><th>\ubaa9\uc801<\/th><\/tr><\/thead><tbody><tr><td>1040 + Schedule C<\/td><td>\uac1c\uc778 \uc0ac\uc5c5\uc790<\/td><td>\ucd5c\uadfc 2\ub144\uce58. \uac1c\uc778 \uc0ac\uc5c5 \uc18c\ub4dd \ubc0f \ud504\ub9ac\ub79c\uc11c \uc18c\ub4dd \ud655\uc778<\/td><\/tr><tr><td>Business Return<\/td><td>\ubc95\uc778 \uc0ac\uc5c5\uc790<\/td><td>\ucd5c\uadfc 2\ub144\uce58. \ubc95\uc778(Corporation\/Partnership) \uc7ac\uc815 \uc0c1\ud0dc \ud655\uc778<\/td><\/tr><tr><td>K-1<\/td><td>\uc8fc\uc8fc\/\ud30c\ud2b8\ub108<\/td><td>\ucd5c\uadfc 2\ub144\uce58. \ubc95\uc778 \uc218\uc775 \uc911 \uace0\uac1d\ub2d8 \uc9c0\ubd84 \uc18c\ub4dd \ud655\uc778<\/td><\/tr><tr><td>P&amp;L (YTD)<\/td><td><\/td><td><\/td><\/tr><tr><td>(\uc190\uc775\uacc4\uc0b0\uc11c)<\/td><td>\uc790\uc601\uc5c5\uc790<\/td><td>\uc138\uae08 \ubcf4\uace0 \uc774\ud6c4, \uc62c\ud574 \ud604\uc7ac\uae4c\uc9c0\uc758 \uc0ac\uc5c5 \uc18c\ub4dd \ud750\ub984 \ud655\uc778<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\"><strong>Tip:<\/strong> \uc62c\ud574 \uc18c\ub4dd \uc99d\ube59\uc744 \uc704\ud574 \uc190\uc775\uacc4\uc0b0\uc11c(P&amp;L)\ub97c \ubbf8\ub9ac \uc900\ube44\ud558\uba74 \uc2dc\uac04\uc774 \ub2e8\ucd95\ub429\ub2c8\ub2e4.<\/figcaption><\/figure>\n\n\n\n<br>\n\n\n\n<br>\n\n\n\n<hr class=\"wp-block-separator has-text-color has-cyan-bluish-gray-color has-alpha-channel-opacity has-cyan-bluish-gray-background-color has-background\"\/>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-3-initial-loan-estimate-le-\uac00\uacac\uc801\uc11c-\ubcf4\ub294-\ubc95\"><strong>3. Initial Loan Estimate(LE), \uac00\uacac\uc801\uc11c \ubcf4\ub294 \ubc95<\/strong><\/h2>\n\n\n\n<p>Loan Application\uc774 \uc811\uc218\ub418\uba74, \ub80c\ub354\ub294 \ubbf8\uad6d \ubc95(TRID \uaddc\uc815)\uc5d0 \ub530\ub77c <strong>3\uc601\uc5c5\uc77c(Business Days) \uc774\ub0b4\uc5d0<\/strong> Initial Loan Estimate(Initial LE)\ub97c \ubc1c\uc1a1\ud574\uc57c \ud569\ub2c8\ub2e4. \uc774\ub54c Initial LE\ub294 \ub9d0 \uadf8\ub300\ub85c \u2018\uac00\uacac\uc801\uc11c\u2019\uc785\ub2c8\ub2e4. \uc5ec\uae30\uc5d0\ub294 \uc544\ub798\uc758 \uc815\ubcf4\uac00 \ub2f4\uaca8 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<div style=\"\n    background-color:#F7F7F7;\n    border-radius:16px;\n    padding:18px 22px;\n    margin:16px 0;\n    font-size:16px;\n    line-height:1.7;\n    color:#333333;\n\">\n\u2776 \uc608\uc0c1 \uc774\uc790\uc728(Interest Rate)<br>\n\u2777 \uc6d4 \ud398\uc774\uba3c\ud2b8(Monthly Payment)<br>: \uc6d0\uae08\u00b7\uc774\uc790(P&#038;I), \uc138\uae08(Property Tax), \ubcf4\ud5d8(Homeowners Insurance) \ub4f1\uc774 \ud3ec\ud568\ub420 \uc218\ub3c4 \uc788\uc74c<br>\n\u2778 \uc608\uc0c1 \ud074\ub85c\uc9d5 \ube44\uc6a9(Estimated Closing Costs)<br>: \ub80c\ub354 \uc218\uc218\ub8cc, \ud0c0\uc774\ud2c0\u00b7\uc5d0\uc2a4\ud06c\ub85c \ube44\uc6a9, \uc815\ubd80 \uc218\uc218\ub8cc \ub4f1<br>\n\u2779 \ub300\ucd9c \uc0c1\ud488\uc758 \uae30\ubcf8 \uc870\uac74<br>: \uace0\uc815\uae08\ub9ac\/\ubcc0\ub3d9\uae08\ub9ac \uc5ec\ubd80, 30\ub144\/15\ub144 \ub9cc\uae30 \uc5ec\ubd80 \ub4f1<br>\n\n<\/div>\n\n\n\n<div style=\"\n    background-color:#F1F7FF;\n    border-radius:16px;\n    padding:18px 22px;\n    margin:16px 0;\n    font-size:16px;\n    line-height:1.7;\n    color:#333333;\n\">\n    <strong>\ud83d\udca1 Zero Fee Rule \u2013 ITP \uc804\uae4c\uc9c0\ub294 \ube44\uc6a9 \uccad\uad6c \uae08\uc9c0<\/strong>\n    <br>\n    \ubbf8\uad6d \ubc95(\uc774\ub978\ubc14 TRID \uaddc\uc815)\uc5d0 \ub530\ub77c, \uace0\uac1d\ub2d8\uaed8\uc11c Initial LE\ub97c \ubc1b\uace0, ITP\uc5d0 \uc11c\uba85\ud558\uae30 \uc804\uae4c\uc9c0\n    \ub80c\ub354\ub294 \uc5b4\ub5a0\ud55c \ube44\uc6a9\ub3c4 \uccad\uad6c\ud560 \uc218 \uc5c6\uc2b5\ub2c8\ub2e4.\n<\/div>\n\n\n\n<div style=\"\n    background-color:#FFFBEA;\n    border-radius:16px;\n    padding:18px 22px;\n    margin:16px 0;\n    font-size:16px;\n    line-height:1.7;\n    color:#333333;\n\">\n    \ud83d\udca1 Initial Loan Estimate\ub97c \ub2e4 \uc77d\uace0 \ub098\uba74, \ub2e4\uc74c\uc73c\ub85c \ub118\uc5b4\uac00\uc57c \ud560 \ud575\uc2ec \uc561\uc158\uc774 \uc788\uc2b5\ub2c8\ub2e4. <br>\n\ubc14\ub85c \uc9c4\ud589 \ub3d9\uc758(Intent to Proceed, ITP)\uc785\ub2c8\ub2e4.\n<\/div>\n\n\n\n<div style=\"text-align:center; margin:24px 0;\">\n  <a href=\"https:\/\/loaning.ai\/ko?utm_source=blog_official&#038;utm_medium=loaning_kr&#038;utm_campaign=mortgage_information&#038;utm_content=loan_process_ep.2\"\n     style=\"\n        display:inline-block;\n        padding:22px 48px;\n        background-color:#2ECC71;\n        color:#FFFFFF;\n        font-size:18px;\n        font-weight:700;\n        border-radius:8px;\n        text-decoration:none;\n     \">\n   \ud83d\udc49\u00a0\ub0b4 \uae08\ub9ac\uc640 \ud55c\ub3c4, \ube44\uc6a9 \uc5c6\uc774 \ud655\uc778\ud574 \ubcf4\uace0 \uc2f6\ub2e4\uba74?\n  <\/a>\n<\/div>\n\n\n\n<br>\n\n\n\n<br>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-4-itp-intent-to-proceed-\uc11c\uba85\uc758-\uc758\ubbf8\"><strong>4. ITP(Intent to Proceed) \uc11c\uba85\uc758 \uc758\ubbf8<\/strong><\/h2>\n\n\n\n<p>\ucd08\uae30 \uacac\uc801\uc11c(Initial LE)\ub97c \ubc1b\uc558\ub2e4\uba74 \ub0b4\uc6a9\uc744 \uac80\ud1a0\ud55c \ud6c4 <strong>ITP(\uc9c4\ud589 \ub3d9\uc758)<\/strong> \uc11c\uba85\uc744 \ud574\uc57c \ud569\ub2c8\ub2e4. ITP \uc11c\uba85\uc774 \uc788\uc5b4\uc57c\ub9cc \u2018\uac10\uc815\ud3c9\uac00(Appraisal) \uc8fc\ubb38, \ud0c0\uc774\ud2c0\u00b7\uc5d0\uc2a4\ud06c\ub85c \uc791\uc5c5\u2019 \ub4f1 \u2018\uc81c3\uc790(Third-Party) \uc5c5\ubb34\u2019\ub97c \uc815\uc2dd\uc73c\ub85c \uc2dc\uc791\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uadf8\ub807\uae30 \ub54c\ubb38\uc5d0, \ube60\ub978 \ucf5c\ub85c\uc9d5\uc744 \uc6d0\ud558\uc2e0\ub2e4\uba74 \ube60\ub978 TIP \uc11c\uba85\uc774 \ud544\uc694\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<div style=\"\n    background-color:#F7F7F7;\n    border-radius:16px;\n    padding:18px 22px;\n    margin:16px 0;\n    font-size:16px;\n    line-height:1.7;\n    color:#333333;\n\">\n    <strong>Q. \uc65c ITP\uac00 \uc911\uc694\ud55c\uac00\uc694?<\/strong>\n    <br><br>\n    ITP\uc5d0 \uc11c\uba85\ud558\uc9c0 \uc54a\uc73c\uba74, \ub80c\ub354\ub294 \uac10\uc815\ud3c9\uac00(Appraisal) \ub4f1 \uc81c3\uc790 \uac80\uc99d \uc808\ucc28\ub97c \uc2dc\uc791\ud560 \uc218 \uc5c6\uc2b5\ub2c8\ub2e4. <br>\n\uc989, \ud074\ub85c\uc9d5 \ub0a0\uc9dc\uac00 \uacc4\uc18d \ub4a4\ub85c \ubc00\ub9ac\uac8c \ub429\ub2c8\ub2e4.\n<\/div>\n\n\n\n<div style=\"\n    background-color:#F7F7F7;\n    border-radius:16px;\n    padding:18px 22px;\n    margin:16px 0;\n    font-size:16px;\n    line-height:1.7;\n    color:#333333;\n\">\n    <strong>Q. ITP \uc11c\uba85\uc740 \uacc4\uc57d\uc11c\uc778\uac00\uc694?<\/strong>\n    <br><br>\n    \uc544\ub2d9\ub2c8\ub2e4. \uac00\uacac\uc801\uc11c\uc758 \ub0b4\uc6a9\uc5d0 \ub3d9\uc758\ud55c\ub2e4\ub294 \uc758\uc0ac \ud45c\uc2dc\uc77c \ubfd0, \uc9d1\uc744 \ubb34\uc870\uac74 \uc0ac\uc57c \ud55c\ub2e4\ub294 \uad6c\uc18d\ub825\uc740 \uc5c6\uc2b5\ub2c8\ub2e4.\n<\/div>\n\n\n\n<div style=\"\n    background-color:#F7F7F7;\n    border-radius:16px;\n    padding:18px 22px;\n    margin:16px 0;\n    font-size:16px;\n    line-height:1.7;\n    color:#333333;\n\">\n    <strong>Q. ITP \uc11c\uba85 \uc804, \uc5b4\ub5a4 \uac78 \uccb4\ud06c\ud574\uc57c \ud558\ub098\uc694?<\/strong>\n    <br><br>\n    \uacac\uc801\uc11c\uc758 \uae08\ub9ac, \uc6d4 \uc0c1\ud658\uc561, \ud074\ub85c\uc9d5 \ube44\uc6a9(Cash to Close)\uc774 \uc0c1\ub2f4\ubc1b\uc740 \ub0b4\uc6a9\uacfc \uac19\uc740\uc9c0\ub97c \ud655\uc778\ud574 \ubcf4\uc138\uc694.\n<\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-\uc694\uc57d-step-2-\uccb4\ud06c\ub9ac\uc2a4\ud2b8\" style=\"font-size:24px\"><strong>\ud83d\udcdd \uc694\uc57d: Step 2 \uccb4\ud06c\ub9ac\uc2a4\ud2b8<\/strong><\/h2>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"845\" height=\"480\" src=\"https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/12\/Step2.png\" alt=\"\" class=\"wp-image-12861\" style=\"width:845px\" srcset=\"https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/12\/Step2.png 845w, https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/12\/Step2-300x170.png 300w, https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/12\/Step2-768x436.png 768w, https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/12\/Step2-750x426.png 750w\" sizes=\"auto, (max-width: 845px) 100vw, 845px\" \/><figcaption class=\"wp-element-caption\">Loan Application &amp; Initial LE<\/figcaption><\/figure>\n<\/div>\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>\uccb4\ud06c \ud56d\ubaa9<\/th><th>\uc0c1\uc138<\/th><\/tr><\/thead><tbody><tr><td>1. \uc11c\ub958 \uc5c5\ub85c\ub4dc<\/td><td>\uc548\ub0b4\ubc1b\uc740 \uc18c\ub4dd\/\uc790\uc0b0 \uc11c\ub958\ub97c PDF\ub85c \uc5c5\ub85c\ub4dc\ud558\uc168\ub098\uc694?<\/td><\/tr><tr><td>2. Initial LE \ud655\uc778<\/td><td>\uc774\uba54\uc77c\ub85c \ubc1c\uc1a1\ub41c \ucd08\uae30 \uacac\uc801\uc11c\uc758 \uae08\ub9ac\uc640 \ube44\uc6a9\uc744 \ud655\uc778\ud558\uc168\ub098\uc694?<\/td><\/tr><tr><td>3. ITP \uc11c\uba85<\/td><td>&#8220;\uc9c4\ud589 \ub3d9\uc758(Intent to Proceed)&#8221; \ubb38\uc11c\uc5d0 \uc804\uc790 \uc11c\uba85\uc744 \uc644\ub8cc\ud558\uc168\ub098\uc694? (\ube60\ub97c\uc218\ub85d \uc88b\uc2b5\ub2c8\ub2e4!)<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<div class=\"wp-block-buttons loaning_cta_bottom is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-background wp-element-button\" href=\"https:\/\/loaning.ai\/ko?utm_source=blog_official&amp;utm_medium=loaning_kr&amp;utm_campaign=mortgage_information&amp;utm_content=loan_process_ep.2\" style=\"background-color:#49cf7e\"><strong><strong>\ud83d\udc49 <strong>\uc218\uc218\ub8cc 0\uc6d0(Zero Fee)\uc73c\ub85c \ucd08\uae30 \uacac\uc801\uc11c(LE) \ubc1b\uc544\ubcf4\uae30<\/strong><\/strong><\/strong><\/a><\/div>\n<\/div>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\ud83d\udcdd Loan Application &#038; Initial LE 3\uc904 \uc694\uc57d \uc774 \ub2e8\uacc4\ub294 \u2018\uacf5\uc2dd \ub300\ucd9c \uc2e0\uccad\u2019\uc758 \uc2dc\uc791\uc774\uc790, \ub098\uc5d0\uac8c \ub9de\ub294 \ub300\ucd9c \uc870\uac74\uc744 \ucc98\uc74c\uc73c\ub85c \uc22b\uc790\ub85c \ud655\uc778\ud558\ub294 \uc911\uc694\ud55c \uc21c\uac04\uc785\ub2c8\ub2e4. \uc774\ub54c \ub80c\ub354\ub294 \ucd08\uae30 \ub300\ucd9c \uacac\uc801\uc11c Initial Loan Estimate(Initial LE)\ub97c \ubc1c\uc1a1\ud558\uace0, \uace0\uac1d\uc740 \uc9c4\ud589 \ub3d9\uc758(Intent to Proceed, ITP)\ub97c \ud1b5\ud574 \u201c\uc774 \uc870\uac74\uc73c\ub85c \uc9c4\ud589\ud558\uaca0\uc2b5\ub2c8\ub2e4\u201d\ub77c\ub294 \uc758\uc0ac\ub97c \ud45c\uc2dc\ud558\uac8c \ub429\ub2c8\ub2e4. \uc11c\ub958 \uc900\ube44\uc640 LE \ud655\uc778, ITP \uc11c\uba85 \ud0c0\uc774\ubc0d\ub9cc \uc798 \ucc59\uaca8\ub3c4, [&hellip;]<\/p>\n","protected":false},"author":12,"featured_media":12992,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"jnews-multi-image_gallery":[],"jnews_single_post":{"format":"standard"},"jnews_primary_category":[],"footnotes":""},"categories":[47],"tags":[],"class_list":["post-12855","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-47"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.3 (Yoast SEO v27.4) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Loan Application &amp; Initial LE(\uac00\uacac\uc801\uc11c) \ub2e8\uacc4 \ud544\uc218 \uc11c\ub958 \ucd1d\uc815\ub9ac_[\ubaa8\uae30\uc9c0 \uac00\uc774\ub4dc Ep.2]<\/title>\n<meta name=\"description\" content=\"Loan Application &amp; Initial LE \ub2e8\uacc4\uc5d0\uc11c\ub294 \ucd08\uae30 \ub300\ucd9c \uacac\uc801\uc11c(Initial LE)\uc758 \uc5b4\ub5a4 \ud56d\ubaa9\uc744 \ud655\uc778\ud574\uc57c \ud558\ub294\uc9c0, \uc9c4\ud589 \ub3d9\uc758(ITP)\uc640 Zero Fee Rule(TRID \uaddc\uc815)\uae4c\uc9c0 \ud55c \ubc88\uc5d0 \uc815\ub9ac\ud588\uc2b5\ub2c8\ub2e4.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/blog.loaning.ai\/ko\/12855\/\" \/>\n<meta property=\"og:locale\" content=\"ko_KR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Loan Application &amp; Initial LE(\uac00\uacac\uc801\uc11c) \ub2e8\uacc4 \ud544\uc218 \uc11c\ub958 \ucd1d\uc815\ub9ac_[\ubaa8\uae30\uc9c0 \uac00\uc774\ub4dc Ep.2]\" \/>\n<meta property=\"og:description\" content=\"Loan Application &amp; 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