{"id":12887,"date":"2025-12-08T09:26:18","date_gmt":"2025-12-08T00:26:18","guid":{"rendered":"https:\/\/blog.loaning.ai\/ko\/?p=12887"},"modified":"2026-03-17T18:56:28","modified_gmt":"2026-03-17T09:56:28","slug":"revised-le-rate-lock-%ec%96%b4%eb%96%a4-%ed%83%80%ec%9d%b4%eb%b0%8d%ec%97%90-%ec%96%b4%eb%96%bb%ea%b2%8c-%ed%95%b4%ec%95%bc-%ed%95%a0%ea%b9%8c-_%eb%aa%a8%ea%b8%b0%ec%a7%80-%ea%b0%80%ec%9d%b4","status":"publish","type":"post","link":"https:\/\/blog.loaning.ai\/ko\/12887\/","title":{"rendered":"Revised LE &amp; Rate Lock, \uc5b4\ub5a4 \ud0c0\uc774\ubc0d\uc5d0 \uc5b4\ub5bb\uac8c \ud574\uc57c \ud560\uae4c? _[\ubaa8\uae30\uc9c0 \uac00\uc774\ub4dc Ep.5]"},"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> Revised LE &#038; Rate Lock 3\uc904 \uc694\uc57d<\/strong>\n    <\/h3>\n    <ul style=\"padding-left:20px; margin:0;\">\n        <li>Revised LE &#038; Rate Lock\uc740 \uae08\ub9ac\uac00 \uc2e4\uc81c\ub85c \ud655\uc815\ub418\ub294 \uc2dc\uc810\uc5d0 \ub9de\ucdb0 \uc7ac\ubc1c\ud589 \uacac\uc801\uc11c(Revised LE)\ub97c \ubc1b\ub294 \ub2e8\uacc4\uc785\ub2c8\ub2e4.<br>\n        <li>\uae08\ub9ac \uace0\uc815(Rate Lock), \ub610\ub294 \ub300\ucd9c \uc870\uac74\uc774 \ubc14\ub00c\uba74 \ub80c\ub354\ub294 Revised LE\ub97c \ud1b5\ud574 \uace0\uac1d\uc774 \uc870\uac74\uc744 \uc7ac\ud655\uc778\ud560 \uc218 \uc788\uac8c \ud574\uc57c \ud569\ub2c8\ub2e4.<br>\n        <li>\uae08\ub9ac\u00b7\ud3ec\uc778\ud2b8\u00b7\ud06c\ub808\ub527\u00b7\ud074\ub85c\uc9d5 \ube44\uc6a9\u00b7\ub77d \ub9cc\uae30\uc77c\ub9cc \uc798 \uccb4\ud06c\ud574\ub3c4, \uc880\ub354 \uc720\ub9ac\ud558\uac8c \uae08\ub9ac\ub97c \ud655\uc815\ud560 \uc218 \uc788\uc5b4\uc694.<br>\n   \n        \n    <\/ul>\n<\/div>\n\n\n\n<p>Revised LE &amp; Rate Lock \ub2e8\uacc4\uc5d0\uc11c \uace0\uac1d\ub2d8\uc740 \uac00\uc7a5 \uc911\uc694\ud55c \uacb0\uc815\uc744 \ub0b4\ub824\uc57c \ud569\ub2c8\ub2e4. \ubc14\ub85c &#8216;\uae08\ub9ac \uace0\uc815(Rate Lock) \ud0c0\uc774\ubc0d&#8217;\uc774\uc8e0. Ep.5\uc5d0\uc11c\ub294, \u2018\uae08\ub9ac \uace0\uc815(Rate Lock)&#8217; \ud0c0\uc774\ubc0d\uacfc, \uc774\ud6c4 \ubc1b\uac8c \ub418\ub294 &#8216;\uc218\uc815 \uacac\uc801\uc11c(Revised LE)&#8217;\uc5d0\uc11c \ubc18\ub4dc\uc2dc \uccb4\ud06c\ud574\uc57c \ud560 \uc0ac\ud56d\ub4e4\uc744 \ud30c\ud5e4\uccd0 \ub4dc\ub9bd\ub2c8\ub2e4.<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter 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-4.png\" alt=\"\" class=\"wp-image-12892\" style=\"width:845px\" srcset=\"https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/12\/\uc544\ud2b8\ubcf4\ub4dc-4.png 845w, https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/12\/\uc544\ud2b8\ubcf4\ub4dc-4-300x112.png 300w, https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/12\/\uc544\ud2b8\ubcf4\ub4dc-4-768x286.png 768w, https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/12\/\uc544\ud2b8\ubcf4\ub4dc-4-750x280.png 750w\" sizes=\"auto, (max-width: 845px) 100vw, 845px\" \/><\/figure>\n<\/div>\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-1-\uac00\uacac\uc801\uc11c-initial-le-vs-\uc218\uc815-\uacac\uc801\uc11c-revised-le\" style=\"font-size:24px\"><strong>1. \uac00\uacac\uc801\uc11c(Initial LE) vs \uc218\uc815 \uacac\uc801\uc11c(Revised LE)<\/strong><\/h2>\n\n\n\n<p>Ep.2\uc5d0\uc11c \uac00\uacac\uc801(Initial LE)\uc744 \ubc1b\uc558\ub294\ub370, \uc65c \ub2e4\uc2dc \uc218\uc815 \uacac\uc801\uc11c(Revised LE)\ub97c \ubc1b\uac8c \ub420\uae4c\uc694? \uac04\ub2e8\ud788 \ub9d0\ud558\uba74, \uae08\ub9ac\uac00 \uace0\uc815(Rate Lock)\ub418\uba74\uc11c \uae30\uc900\uc774 \ubc14\ub00c\uc5c8\uae30 \ub54c\ubb38\uc785\ub2c8\ub2e4.<\/p>\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    \u2713 Initial LE (1\ucc28): \uc2e0\uccad \uc2dc\uc810\uc758 \uc2dc\uc7a5 \uae08\ub9ac\ub97c \ubc18\uc601\ud55c &#8216;\ub300\ub7b5\uc801\uc778 \uc608\uc0c1 \uacac\uc801&#8217;\uc785\ub2c8\ub2e4.\n    <br>\n    \u2713 Revised LE (2\ucc28): \uace0\uac1d\ub2d8\uaed8\uc11c \uae08\ub9ac \uace0\uc815(Rate Lock)\uc744 \uc694\uccad\ud55c \uc2dc\uc810\uc758 \uae08\ub9ac\ub85c \ud655\uc815\ub41c &#8216;\uc815\ubc00 \uacac\uc801&#8217;\uc785\ub2c8\ub2e4. \uc774\ub54c \uc138\uae08, \ubcf4\ud5d8\ub8cc \ub4f1 \uc81c3\uc790 \uac80\uc99d \uacb0\uacfc\ub3c4 \uc5c5\ub370\uc774\ud2b8\ub418\uc5b4 \ubc18\uc601\ub429\ub2c8\ub2e4.\n      <br>\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 \ubbf8\uad6d TRID \uaddc\uc815\uc0c1, \ub2e4\uc74c\uacfc \uac19\uc740 Change of Circumstance(\uc911\uc694\ud55c \uc870\uac74 \ubcc0\uacbd)\uc774 \ubc1c\uc0dd\ud558\uba74, \ub80c\ub354\ub294 \ubcc0\uacbd \ub0b4\uc6a9\uc744 \ubc18\uc601\ud55c Revised Loan Estimate\ub97c \ub2e4\uc2dc \ubc1c\ud589\ud574\uc57c \ud569\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.5\"\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\uc218\uc815\ub41c \uacac\uc801\uc11c(Revised LE), \uc81c\ub300\ub85c \uacc4\uc0b0\ub41c \uac74\uc9c0 \uad81\uae08\ud558\ub2e4\uba74?\n  <\/a>\n<\/div>\n\n\n\n<p><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-nbsp-revised-loan-estimate\uac00-\ubc1c\ud589\ub418\ub294-\ub300\ud45c\uc801\uc778-\uc0c1\ud669\">\u2705&nbsp;<strong>Revised Loan Estimate\uac00 \ubc1c\ud589\ub418\ub294 \ub300\ud45c\uc801\uc778 \uc0c1\ud669<\/strong><\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>List<\/th><th>\uc0c1\uc138<\/th><\/tr><\/thead><tbody><tr><td><strong>\uae08\ub9ac \uc870\uac74\uc774 \uc2e4\uc81c\ub85c \ub77d(Lock)\ub41c \uacbd\uc6b0<\/strong><\/td><td>\u2022 Rate Lock\uacfc \ud568\uaed8 <strong>\uc2e4\uc81c \uae08\ub9ac\u00b7\ud3ec\uc778\ud2b8\u00b7\ud06c\ub808\ub527 \uad6c\uc870<\/strong>\uac00 \ud655\uc815\ub418\uba74 Revised LE \ubc1c\ud589<br>(Initial LE \u201c\uac00\uacac\uc801(Estimated)\u201d\uc5d0 \uac00\uae4c\uc6c0)<\/td><\/tr><tr><td><strong>\ub300\ucd9c \uad6c\uc870\uac00 \ubc14\ub010 \uacbd\uc6b0<\/strong><\/td><td>\u2022 \ub300\ucd9c \uae08\uc561\uc774 \ud06c\uac8c \ubcc0\ud55c \uacbd\uc6b0(LTV \ubcc0\ud654),<br>\u2022 \ub2e4\uc6b4\ud398\uc774 \ube44\uc728\uc744 \uc870\uc815\ud55c \uacbd\uc6b0<br>\u2022 \uc0c1\ud488 \uc790\uccb4(\uc608: 30\ub144 \uace0\uc815 \u2192 7\/1 ARM \ub4f1)\ub97c \ubcc0\uacbd\ud558\ub294 \uacbd\uc6b0<\/td><\/tr><tr><td><strong>Third Party \uacb0\uacfc\uac00 \ube44\uc6a9\uc5d0 \uc601\ud5a5\uc744 \ubbf8\uce5c \uacbd\uc6b0<\/strong><\/td><td>\u2022 \uac10\uc815\ud3c9\uac00 \uacb0\uacfc\uc5d0 \ub530\ub77c \ubaa8\uae30\uc9c0 \ubcf4\ud5d8(MI) \ud544\uc694 \uc5ec\ubd80\uac00 \ub2ec\ub77c\uc9c4 \uacbd\uc6b0<br>\u2022 HOA\u00b7\ud0c0\uc774\ud2c0 \uad00\ub828 \ube44\uc6a9\uc774 \ucc98\uc74c \uc608\uc0c1\uacfc \ub2e4\ub978 \uc218\uc900\uc73c\ub85c \ud655\uc815\ub418\ub294 \uacbd\uc6b0<\/td><\/tr><tr><td><strong>\ud074\ub85c\uc9d5 \uc77c\uc815\uc774 \ud06c\uac8c \ubcc0\uacbd\ub41c \uacbd\uc6b0<\/strong><\/td><td>\u2022 \ud074\ub85c\uc9d5 \ub0a0\uc9dc\uac00 \ub4a4\ub85c \ubc00\ub9ac\uba74\uc11c <strong>\ub77d \uae30\uac04 \uc5f0\uc7a5(Extension)<\/strong> \ube44\uc6a9\uc774 \ucd94\uac00\ub418\ub294 \uacbd\uc6b0<br>\u2022 \ud639\uc740 \uc77c\uc815 \ubcc0\ud654 \ub54c\ubb38\uc5d0 \uc77c\ubd80 \ube44\uc6a9 \uad6c\uc870\uac00 \uc870\uc815\ub418\ub294 \uacbd\uc6b0<\/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-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-2-\uae08\ub9ac-\ub77d-rate-lock-\uc5b8\uc81c-\ud574\uc57c-\ud560\uae4c\uc694\" style=\"font-size:24px\"><strong>2. \uae08\ub9ac \ub77d(Rate Lock), \uc5b8\uc81c \ud574\uc57c \ud560\uae4c\uc694?<\/strong><\/h2>\n\n\n\n<p>\uac00\uc7a5 \uc5b4\ub824\uc6b4 \uc9c8\ubb38\uc77c \ud150\ub370\uc694. 3\uac00\uc9c0 \uae30\uc900\uc5d0 \ub9de\ucdb0 \uacb0\uc815\ud558\uc2dc\uba74 \uc880\ub354 \uc720\ub9ac\ud55c \uacb0\uacfc\ub97c \uac00\uc838\uac08 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-nbsp-\uae08\ub9ac-\ub77d-rate-lock-\ud310\ub2e8\uc744-\uc704\ud55c-\uc138-\uac00\uc9c0-\uae30\uc900\">\u2705&nbsp;\uae08\ub9ac \ub77d(Rate Lock) \ud310\ub2e8\uc744 \uc704\ud55c \uc138 \uac00\uc9c0 \uae30\uc900<\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>List<\/th><th>\uc0c1\uc138<\/th><\/tr><\/thead><tbody><tr><td>\uc2dc\uc7a5 \ucd94\uc138<\/td><td>\ud604\uc7ac \uae08\ub9ac\uac00 \ud558\ub77d\uc138\uc778\uac00, \uc0c1\uc2b9\uc138\uc778\uac00? (\ub274\uc2a4\ub098 \uc804\ubb38\uac00 \uc758\uacac \ucc38\uace0)<\/td><\/tr><tr><td>\ub0a8\uc740 \uc2dc\uac04<\/td><td>\ud074\ub85c\uc9d5\uae4c\uc9c0 30\uc77c \uc774\uc0c1 \ub0a8\uc558\ub2e4\uba74 \uc5ec\uc720\uac00 \uc788\uc9c0\ub9cc, 15\uc77c \ubbf8\ub9cc\uc774\ub77c\uba74 \uc704\ud5d8\uc744 \uac10\uc218\ud558\uae30\ubcf4\ub2e4 \uc548\uc804\ud558\uac8c \ud655\uc815\ud558\ub294 \uac83\uc774 \uc88b\uc2b5\ub2c8\ub2e4.<\/td><\/tr><tr><td>\ub9ac\uc2a4\ud06c \uc131\ud5a5<\/td><td>0.1%\uc758 \ud558\ub77d\uc744 \uae30\ub300\ud558\uba70 \ubc24\uc7a0\uc744 \uc124\uce58\ub294 \uac83\ubcf4\ub2e4, \ud604\uc7ac \uac10\ub2f9 \uac00\ub2a5\ud55c \uc218\uc900\uc774\ub77c\uba74 \ub77d\uc744 \uac78\uace0 \ub9c8\uc74c \ud3b8\ud788 \ud074\ub85c\uc9d5\uc744 \uc900\ube44\ud558\ub294 \uac8c \ub098\uc744 \uc218\ub3c4 \uc788\uc2b5\ub2c8\ub2e4.<\/td><\/tr><tr><td>\ub300\ucd9c \uc870\uac74 \ubcc0\ub3d9 \uc5ec\uc9c0<\/td><td><strong>\uac10\uc815\ud3c9\uac00\uc640 Underwriting\uc774 \uc77c\uc815 \uc815\ub3c4 \uc9c4\ud589\ub41c \ub4a4<\/strong> \ub300\ucd9c \uc870\uac74\uc774 \ud06c\uac8c \ubc14\ub014 \uc5ec\uc9c0\uac00 \uc904\uc5b4 \ub4e4\uc5c8\uc744 \ub54c<\/td><\/tr><\/tbody><\/table><\/figure>\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.5\"\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 \uc2e4\uc2dc\uac04 \uc2dc\uc7a5 \ub370\uc774\ud130\ub85c \ubd84\uc11d\ud55c &#8216;\ucd5c\uc801\uc758 \ub77d\uc778 \ud0c0\uc774\ubc0d&#8217; \ubb38\uc758\ud558\uae30\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-3-revised-le\uc5d0\uc11c-\uaf2d-\ud655\uc778\ud574\uc57c-\ud560-\ud56d\ubaa9\ub4e4\" style=\"font-size:24px\"><strong>3. Revised LE\uc5d0\uc11c \uaf2d \ud655\uc778\ud574\uc57c \ud560 \ud56d\ubaa9\ub4e4<\/strong><\/h2>\n\n\n\n<p>Revised Loan Estimate\ub97c \ubc1b\uc558\uc744 \ub54c, \ud2b9\ud788 <strong>Rate Lock\uae4c\uc9c0 \ud568\uaed8 \uc9c4\ud589\ub41c \uc0c1\ud669<\/strong>\uc774\ub77c\uba74 \uc544\ub798 \ud56d\ubaa9\uc740 \ubc18\ub4dc\uc2dc \uccb4\ud06c\ud574\uc57c \ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-3-1-\uae08\ub9ac-interest-rate-\uc640-\ub77d-\uc815\ubcf4\"><strong>3-1. \uae08\ub9ac(Interest Rate)\uc640 \ub77d \uc815\ubcf4<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\uc774\uc790\uc728\uc774 <strong>\uba87 %\ub85c \ud655\uc815 \ub418\uc5c8\ub294\uc9c0,<\/strong><\/li>\n\n\n\n<li><strong>Fixed \/ ARM<\/strong>\uc778\uc9c0, ARM\uc774\uba74 \ucd08\uae30 \uace0\uc815\uae30\uac04\uc774 \uba87 \ub144\uc778\uc9c0<\/li>\n\n\n\n<li><strong>Rate Lock \uae30\uac04\uacfc \ub9cc\uae30\uc77c<\/strong>\uc774 \ubb38\uc11c\uc5d0 \uc5b4\ub5bb\uac8c \ud45c\uc2dc\ub418\uc5b4 \uc788\ub294\uc9c0<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-3-2-\ud3ec\uc778\ud2b8-points-amp-\ud06c\ub808\ub527-lender-credits\"><strong>3-2. \ud3ec\uc778\ud2b8(Points) &amp; \ud06c\ub808\ub527(Lender Credits)<\/strong><\/h3>\n\n\n\n<p>\ub0b4\uac00 <strong>\ud3ec\uc778\ud2b8\ub97c \uc9c0\ubd88\ud558\uace0 \ub354 \ub0ae\uc740 \uae08\ub9ac\ub97c \uc120\ud0dd\ud588\ub294\uc9c0<\/strong>, \uc544\ub2c8\uba74 <strong>\uc870\uae08 \ub354 \ub192\uc740 \uae08\ub9ac \ub300\uc2e0 Lender Credit(\uc735\uc790\uc0ac \ud06c\ub808\ub527)\uc744 \ubc1b\uc544 \ud074\ub85c\uc9d5 \ube44\uc6a9 \uc77c\ubd80\ub97c \uc0c1\uc1c4\ud558\ub294 \uad6c\uc870\uc778\uc9c0<\/strong> \ud655\uc778\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<p>Revised LE\uc5d0\uc11c\ub294 \uc774 <strong>trade-off \uad6c\uc870\uac00 \uc22b\uc790\ub85c \ub4dc\ub7ec\ub098\uae30 \ub54c\ubb38\uc5d0,<\/strong> \ubcf8\uc778 \uc7ac\uc815 \uc0c1\ud669\uacfc \ubcf4\uc720 \uae30\uac04\uc5d0 \ub9de\uac8c \uc120\ud0dd\ud558\ub294 \uac83\uc774 \uc911\uc694\ud569\ub2c8\ub2e4.<\/p>\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\uac04\ub2e8\ud788 \ub9d0\ud558\uc790\uba74 \uc544\ub798\uc640 \uac19\uc774 \uc815\ub9ac\ud560 \uc218 \uc788\uc5b4\uc694. <br>\n        <li>\ud3ec\uc778\ud2b8 \uc9c0\ubd88 = \uc9c0\uae08 \ub3c8 \ub354 \ub0b4\uace0, \ub9e4\ub2ec \uc774\uc790 \uc870\uae08 \ub35c \ub0b4\uae30<br>\n        <li>\ud06c\ub808\ub527 \ubc1b\uae30 = \uc9c0\uae08 \ub3c8 \uc870\uae08 \uc544\ub07c\uace0, \ub9e4\ub2ec \uc774\uc790 \uc870\uae08 \ub354 \ub0b4\uae30 <br>\n<\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-3-3-\ud074\ub85c\uc9d5-\ube44\uc6a9-closing-costs-\uacfc-cash-to-close\"><strong>3-3. \ud074\ub85c\uc9d5 \ube44\uc6a9(Closing Costs)\uacfc Cash to Close<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\ub80c\ub354 \uc218\uc218\ub8cc, \ud0c0\uc774\ud2c0\u00b7\uc5d0\uc2a4\ud06c\ub85c \ube44\uc6a9, \uc0ac\uc804\ub0a9\ubd80 \uc138\uae08\u00b7\ubcf4\ud5d8(Prepaids) \ub4f1 <strong>\ud074\ub85c\uc9d5 \ube44\uc6a9 \ucd1d\uc561<\/strong><\/li>\n\n\n\n<li>Cash to Close(\ud074\ub85c\uc9d5 \uc2dc \ud544\uc694 \ud604\uae08) \ud45c\uc2dc \uae08\uc561<\/li>\n<\/ul>\n\n\n\n<p>\ub9cc\uc57d Initial LE\uc640 Revised LE \uc0ac\uc774\uc5d0 \uc218\uc218\ub8cc \ud56d\ubaa9\uc774 \ucd94\uac00\ub418\uac70\ub098 \ud2b9\uc815 \ube44\uc6a9\uc774 \uc758\ubbf8 \uc788\uac8c \uc99d\uac00\ud588\ub2e4\uba74, <strong>\u201c\uc5b4\ub5a4 \ubcc0\uacbd \uc0ac\uc720(Change of Circumstance) \ub54c\ubb38\uc5d0 \uc774\ub807\uac8c \ubc14\ub010 \uac83\uc778\uc9c0\u201d<\/strong> \uc124\uba85\uc744 \uc694\uccad\ud558\ub294 \uac83\uc774 \uc88b\uc2b5\ub2c8\ub2e4.<\/p>\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 Loaning.ai\ub294 \uac10\uc5d0 \uc758\uc874\ud558\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4.<br> \ud604\uc7ac \uc2dc\uc7a5 \uae08\ub9ac \ucd94\uc138\uc640 \uace0\uac1d\ub2d8\uc758 \ud074\ub85c\uc9d5 \uc794\uc5ec \uc77c\uc815\uc744 \ubd84\uc11d\ud558\uc5ec, &#8216;\uc9c0\uae08\uc774 \ub77d\uc744 \uac78\uae30\uc5d0 \uc801\uc808\ud55c\uc9c0&#8217; \uc81c\uc548\ud574 \ub4dc\ub9bd\ub2c8\ub2e4.<br> \uc218\uc815 \uacac\uc801\uc11c\uae4c\uc9c0 \uaf3c\uaf3c\ud558\uac8c \uac80\uc99d\ud574 \ub4dc\ub9ac\ub294 Loaning.ai\uc640 \ud568\uaed8 \uc548\uc804\ud558\uac8c \ub2e4\uc74c \ub2e8\uacc4(CD)\ub85c \ub118\uc5b4\uac00\uc138\uc694. <br>\n<\/div>\n\n\n\n<p><\/p>\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-\uc694\uc57d-\uccb4\ud06c\ub9ac\uc2a4\ud2b8\" style=\"font-size:24px\"><strong>\ud83d\udcdd \uc694\uc57d : \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\/Step5-1.png\" alt=\"\" class=\"wp-image-12895\" style=\"width:845px\" srcset=\"https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/12\/Step5-1.png 845w, https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/12\/Step5-1-300x170.png 300w, https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/12\/Step5-1-768x436.png 768w, https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/12\/Step5-1-750x426.png 750w\" sizes=\"auto, (max-width: 845px) 100vw, 845px\" \/><figcaption class=\"wp-element-caption\">Revised LE &amp; Rate Lock<\/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><strong>1. Revised LE\ub97c \ub05d\uae4c\uc9c0 \ud55c \ubc88 \uc77d\uc5b4\ubcf4\uae30<\/strong><\/td><td>\uae08\ub9ac, \ud3ec\uc778\ud2b8\/\ud06c\ub808\ub527, \ud074\ub85c\uc9d5 \ube44\uc6a9, Cash to Close\ub97c Initial LE\uc640 \ube44\uad50\ud574 \ubcf4\uc138\uc694<\/td><\/tr><tr><td>2.<strong>\ub77d \uae30\uac04\uacfc \ub9cc\uae30\uc77c \ud655\uc778\ud558\uae30<\/strong><\/td><td>\ub0b4 \ud074\ub85c\uc9d5 \ub0a0\uc9dc\uc640 \ub77d \ub9cc\uae30\uc77c \uc0ac\uc774\uc5d0 \uc5ec\uc720\uac00 \uc788\ub294\uc9c0 \ud655\uc778\ud574 \ubcf4\uc138\uc694<\/td><\/tr><tr><td>3. <strong>\uc774\ud574\ub418\uc9c0 \uc54a\ub294 \uae08\uc561 \ubcc0\ud654 \uc9c8\ubb38\ud558\uae30<\/strong><\/td><td>Initial LE\uc640 \ube44\uad50\ud588\uc744 \ub54c \ucd94\uac00\ub41c \uc218\uc218\ub8cc \ud56d\ubaa9\uacfc \uc0ac\uc720\ub97c \uc9c8\ubb38\ud574 \ubcf4\uc138\uc694<\/td><\/tr><tr><td>4. <strong>\ubcf8\uc778 \uc0c1\ud669\uc5d0 \ub9de\ub294 \uad6c\uc870\uc778\uc9c0 \uc810\uac80\ud558\uae30<\/strong><\/td><td>\uc790\uae08 \ud604\ud669\uacfc \ucd94\ud6c4 \uacc4\ud68d\uc744 \uace0\ub824\ud588\uc744 \ub54c\uc758 \uc120\ud0dd(\ud3ec\uc778\ud2b8\/\ud06c\ub808\ub527)\uc744 \uccb4\ud06c\ud574 \ubcf4\uc138\uc694<\/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.5\" style=\"background-color:#49cf7e\" target=\"_blank\" rel=\"noreferrer noopener\"><strong><strong>\ud83d\udc49 <strong>\ub0b4 \uacac\uc801\uc11c \uc5c5\ub85c\ub4dc\ud558\uace0 &#8216;\uae08\ub9ac\/\ud3ec\uc778\ud2b8&#8217; \uc815\ubc00 \uc9c4\ub2e8\ubc1b\uae30<\/strong><\/strong><\/strong><\/a><\/div>\n<\/div>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\ud83d\udcdd Revised LE &#038; Rate Lock 3\uc904 \uc694\uc57d Revised LE &#038; Rate Lock\uc740 \uae08\ub9ac\uac00 \uc2e4\uc81c\ub85c \ud655\uc815\ub418\ub294 \uc2dc\uc810\uc5d0 \ub9de\ucdb0 \uc7ac\ubc1c\ud589 \uacac\uc801\uc11c(Revised LE)\ub97c \ubc1b\ub294 \ub2e8\uacc4\uc785\ub2c8\ub2e4. \uae08\ub9ac \uace0\uc815(Rate Lock), \ub610\ub294 \ub300\ucd9c \uc870\uac74\uc774 \ubc14\ub00c\uba74 \ub80c\ub354\ub294 Revised LE\ub97c \ud1b5\ud574 \uace0\uac1d\uc774 \uc870\uac74\uc744 \uc7ac\ud655\uc778\ud560 \uc218 \uc788\uac8c \ud574\uc57c \ud569\ub2c8\ub2e4. \uae08\ub9ac\u00b7\ud3ec\uc778\ud2b8\u00b7\ud06c\ub808\ub527\u00b7\ud074\ub85c\uc9d5 \ube44\uc6a9\u00b7\ub77d \ub9cc\uae30\uc77c\ub9cc \uc798 \uccb4\ud06c\ud574\ub3c4, \uc880\ub354 \uc720\ub9ac\ud558\uac8c \uae08\ub9ac\ub97c \ud655\uc815\ud560 \uc218 \uc788\uc5b4\uc694. Revised LE &amp; [&hellip;]<\/p>\n","protected":false},"author":12,"featured_media":12995,"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-12887","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>Revised LE &amp; Rate Lock, \uc5b4\ub5a4 \ud0c0\uc774\ubc0d\uc5d0 \uc5b4\ub5bb\uac8c \ud574\uc57c \ud560\uae4c? _[\ubaa8\uae30\uc9c0 \uac00\uc774\ub4dc Ep.5]<\/title>\n<meta name=\"description\" content=\"Revised LE &amp; Rate Lock \ub2e8\uacc4\uc5d0\uc11c\ub294 \uc218\uc815 \uacac\uc801\uc11c\uac00 \uc5b8\uc81c, \uc5b4\ub5a4 \uc0ac\uc720\ub85c \ubc1c\ud589\ub418\uace0, \uc5b8\uc81c Rate Lock\uc744 \ud574\uc57c \ud558\ub294\uc9c0. Rate Lock \uc2dc\uc810\uc5d0 \ub530\ub77c \uae08\ub9ac\u00b7\ud3ec\uc778\ud2b8\u00b7\ud06c\ub808\ub527\u00b7\ud074\ub85c\uc9d5 \ube44\uc6a9\uc774 \uc5b4\ub5bb\uac8c \ub2ec\ub77c\uc9c8 \uc218 \uc788\ub294\uc9c0\ub97c \ud655\uc778\ud574 \ubcf4\uaca0\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\/12887\/\" \/>\n<meta property=\"og:locale\" content=\"ko_KR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Revised LE &amp; Rate Lock, \uc5b4\ub5a4 \ud0c0\uc774\ubc0d\uc5d0 \uc5b4\ub5bb\uac8c \ud574\uc57c \ud560\uae4c? _[\ubaa8\uae30\uc9c0 \uac00\uc774\ub4dc Ep.5]\" \/>\n<meta property=\"og:description\" content=\"Revised LE &amp; Rate Lock \ub2e8\uacc4\uc5d0\uc11c\ub294 \uc218\uc815 \uacac\uc801\uc11c\uac00 \uc5b8\uc81c, \uc5b4\ub5a4 \uc0ac\uc720\ub85c \ubc1c\ud589\ub418\uace0, \uc5b8\uc81c Rate Lock\uc744 \ud574\uc57c \ud558\ub294\uc9c0. 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