{"id":15469,"date":"2026-06-23T16:26:17","date_gmt":"2026-06-23T07:26:17","guid":{"rendered":"https:\/\/blog.loaning.ai\/ko\/?p=15469"},"modified":"2026-06-23T16:26:19","modified_gmt":"2026-06-23T07:26:19","slug":"%ec%96%bc%eb%b0%94%ec%9d%b8-%ec%a7%91%ea%b0%92-%ec%8b%bc%ea%b3%b3-2026-hoa-mello-roos-%ea%b7%b8%eb%a6%ac%ea%b3%a0-%ed%95%99%ea%b5%b0%ec%9d%b4-%eb%b0%94%ec%9d%b4%ec%96%b4%ec%9d%98-%ec%98%88","status":"publish","type":"post","link":"https:\/\/blog.loaning.ai\/ko\/15469\/","title":{"rendered":"\uc5bc\ubc14\uc778 \uc9d1\uac12 \uc2fc\uacf3 2026 : HOA, Mello-Roos, \uadf8\ub9ac\uace0 \ud559\uad70\uc774 \ubc14\uc774\uc5b4\uc758 \uc608\uc0b0\uc5d0 \ubbf8\uce58\ub294 \uc601\ud5a5"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">2026\ub144 \uc5bc\ubc14\uc778 \uc9d1\uac12 \uc2fc\uacf3, \uccb4\ud06c\ud574 \ubcf4\uc168\ub098\uc694?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ub9cc\uc57d \ud648\ubc14\uc789 \ud76c\ub9dd \uc9c0\uc5ed\uc774 \uc5bc\ubc14\uc778\uc774\ub77c\uba74, HOA(\uad00\ub9ac\ube44)\uc640 \uba5c\ub85c\ub8e8\uc2a4(Mello-Roos, \ud2b9\ubcc4\uc138)\ub97c \uaf2d \uc54c\uace0 \uacc4\uc154\uc57c \ud574\uc694.<br>\ub9e4\ub2ec \uc2e4\uc81c\ub85c \uc9c0\ubd88\ud574\uc57c \ud558\ub294 \ube44\uc6a9\uc5d0 \ub9e4\uc6b0 \ud070 \uc601\ud5a5\uc744 \ubbf8\uce58\uac70\ub4e0\uc694.<br>(\ucc98\uc74c\uc5d0\ub294 \ud45c\uba74\uc801\uc73c\ub85c \ubcf4\uc774\ub294 \ub9e4\ubb3c \uac00\uaca9\ub9cc \ubcf4\uace0 \ub9c8\uc74c\uc5d0 \ub4e4\uc5b4 \ud558\uc9c0\ub9cc, \uc804\uccb4\uc801\uc778 \uc720\uc9c0 \ube44\uc6a9\uc744 \ud30c\uc545\ud558\uace0 \ub098\uba74 \uc0dd\uac01\uc774 \ub2ec\ub77c\uc9c0\ub294 \ubc14\uc774\uc5b4\ubd84\ub4e4\ub3c4 \ub9ce\uc544\uc694.)<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/loaning.ai\/tools\/compare-rates?utm_source=blog_official&amp;utm_medium=loaning_kr&amp;utm_campaign=26_affordable_places_series&amp;utm_content=kr_irvine_home_price\">Loaning.ai<\/a>\uac00 \uc900\ube44\ud55c \uc774\ubc88 \uac00\uc774\ub4dc\uc5d0\uc11c\ub294, \uc5bc\ubc14\uc778 \ubc14\uc774\uc5b4\ub4e4\uc774 \uc2e4\uc81c\ub85c \ubd80\ub2f4\ud558\uac8c \ub418\ub294 \ube44\uc6a9\uc758 \ub0b4\uc5ed\uacfc HOA \ubc0f \uba5c\ub85c\ub8e8\uc2a4\uac00 \uc5b4\ub5bb\uac8c \uc801\uc6a9\ub418\ub294\uc9c0 \uc54c\uae30 \uc27d\uac8c \uc124\uba85\ud574 \ub4dc\ub9ac\uaca0\uc2b5\ub2c8\ub2e4. \ud83d\ude0e<\/p>\n\n\n\n<p class=\"has-white-color has-text-color has-link-color wp-elements-1 wp-block-paragraph\">.<\/p>\n\n\n\n<h2 id=\"h-\uc5bc\ubc14\uc778-\uc9d1\uac12-\uc2fc\uacf3-2026-hoa\uc758-\uc815\uccb4\ub294-\ubb50\uace0-irvine\uc5d0-hoa\uac00-\ub9ce\uc740-\uc774\uc720\ub294-\ubb54\uac00\uc694\" class=\"wp-block-heading\" style=\"font-size:24px\"><strong>\uc5bc\ubc14\uc778 \uc9d1\uac12 \uc2fc\uacf3 2026 : HOA\uc758 \uc815\uccb4\ub294 \ubb50\uace0, Irvine\uc5d0 HOA\uac00 \ub9ce\uc740 \uc774\uc720\ub294 \ubb54\uac00\uc694?<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\uc5bc\ubc14\uc778\uc758 \ub300\ubd80\ubd84\uc758 \uc8fc\uac70 \uc9c0\uc5ed\uc740 \uc8fc\ud0dd \uc18c\uc720\uc790 \ud611\ud68c(HOA)\uc5d0 \uc18c\uc18d\ub418\uc5b4 \uc788\uc2b5\ub2c8\ub2e4. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc774\ub7ec\ud55c \ud611\ud68c\ub294 \uacf5\uc6a9 \uad6c\uc5ed\uc744 \uad00\ub9ac\ud558\uace0, \uacf5\uc720 \ud3b8\uc758 \uc2dc\uc124\uc744 \uc6b4\uc601\ud558\uba70, \ucee4\ubba4\ub2c8\ud2f0 \uaddc\uc815\uc744 \uc900\uc218\ud558\ub3c4\ub85d \ud569\ub2c8\ub2e4. <br>\uc5bc\ubc14\uc778\uacfc \uac19\uc740 \uc885\ud569 \uacc4\ud68d \ub3c4\uc2dc\uc5d0\uc11c HOA\ub294 \uc8fc\uac70 \uc9c0\uc5ed\uc744 \uc77c\uad00\uc131 \uc788\uac8c \uc720\uc9c0\ud558\uace0, \uae68\ub057\ud558\uac8c \uad00\ub9ac\ud558\uba70, \uc798 \uc815\ube44\ub41c \uc0c1\ud0dc\ub97c \uc720\uc9c0\ud558\ub294 \ub370 \uc911\uc694\ud55c \uc5ed\ud560\uc744 \ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">HOA \ud68c\ube44\ub294 \ub2e4\uc74c\uacfc \uac19\uc740 \ube44\uc6a9\uc744 \ucda9\ub2f9\ud558\ub294 \ub370 \uc0ac\uc6a9\ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\uacf5\uc6d0, \uc218\uc601\uc7a5, \ub179\uc9c0\ub300\uc758 \uc720\uc9c0 \uad00\ub9ac<\/li>\n\n\n\n<li>\ud074\ub7fd\ud558\uc6b0\uc2a4 \ubc0f \uc2a4\ud3ec\uce20 \ucf54\ud2b8\uc640 \uac19\uc740 \ucee4\ubba4\ub2c8\ud2f0 \ud3b8\uc758 \uc2dc\uc124<\/li>\n\n\n\n<li>\ubd80\ub3d9\uc0b0 \uac00\uce58\ub97c \ubcf4\ud638\ud558\ub294 \ub370 \ub3c4\uc6c0\uc774 \ub418\ub294 \uac74\ucd95 \uae30\uc900<\/li>\n<\/ul>\n\n\n\n<div class=\"loaning-mortgage-box\">\n  <h2>What Mortgage Amount Do You Need?<\/h2>\n\n  <div class=\"loaning-mortgage-amount\" id=\"loaningMortgageAmount\">\n    $500,000\n  <\/div>\n\n  <div class=\"loaning-slider-wrap\">\n    <input id=\"loaningMortgageSlider\" class=\"loaning-mortgage-slider\" type=\"range\" min=\"100000\" max=\"1000000\" step=\"10000\" value=\"500000\" aria-label=\"Select mortgage amount\">\n  <\/div>\n\n  <a class=\"loaning-calculate-button\" href=\"https:\/\/loaning.ai\/tools\/compare-rates?utm_source=blog_official&#038;utm_medium=loaning_kr&#038;utm_campaign=26_affordable_places_series&#038;utm_content=kr_irvine_home_price\">\n    Calculate Payment\n  <\/a>\n\n  <p class=\"loaning-terms\">\n    Terms &amp; Conditions Apply. NMLS#2357195\n  <\/p>\n<\/div>\n\n<style>\n.loaning-mortgage-box,\n.loaning-mortgage-box * {\n  box-sizing: border-box;\n}\n\n.loaning-mortgage-box {\n  position: relative;\n  width: 100%;\n  max-width: 720px;\n  margin: 24px auto 32px;\n  padding: 22px 22px 17px;\n  border: 1px solid rgba(34, 201, 101, 0.24);\n  border-radius: 18px;\n  background: #ffffff;\n  box-shadow:\n    0 12px 28px rgba(15, 23, 42, 0.055),\n    0 3px 8px rgba(15, 23, 42, 0.03);\n  font-family: inherit;\n  text-align: center;\n  color: #073b2b;\n  overflow: hidden;\n}\n\n.loaning-mortgage-box::before {\n  content: \"\";\n  position: absolute;\n  width: 210px;\n  height: 210px;\n  top: -92px;\n  right: -78px;\n  border-radius: 50%;\n  background:\n    radial-gradient(\n      circle,\n      rgba(34, 201, 101, 0.42) 0%,\n      rgba(34, 201, 101, 0.30) 30%,\n      rgba(34, 201, 101, 0.16) 54%,\n      rgba(34, 201, 101, 0.06) 72%,\n      rgba(34, 201, 101, 0) 86%\n    );\n  filter: blur(1px);\n  pointer-events: none;\n  z-index: 0;\n}\n\n.loaning-mortgage-box::after {\n  content: \"\";\n  position: absolute;\n  inset: 0;\n  background:\n    linear-gradient(\n      135deg,\n      rgba(255, 255, 255, 0.99) 0%,\n      rgba(255, 255, 255, 0.96) 48%,\n      rgba(255, 255, 255, 0.84) 100%\n    );\n  pointer-events: none;\n  z-index: 0;\n}\n\n.loaning-mortgage-box h2,\n.loaning-mortgage-amount,\n.loaning-slider-wrap,\n.loaning-calculate-button,\n.loaning-terms {\n  position: relative;\n  z-index: 1;\n}\n\n.loaning-mortgage-box h2 {\n  margin: 0 0 9px;\n  font-size: 17px;\n  line-height: 1.35;\n  font-weight: 700;\n  color: #073b2b;\n  letter-spacing: -0.015em;\n}\n\n.loaning-mortgage-amount {\n  margin: 0 0 22px;\n  font-size: 24px;\n  line-height: 1.15;\n  font-weight: 800;\n  color: #073b2b;\n  letter-spacing: -0.025em;\n}\n\n.loaning-slider-wrap {\n  width: min(420px, 100%);\n  margin: 0 auto 20px;\n  padding: 0;\n  border: 0 !important;\n  background: transparent !important;\n  box-shadow: none !important;\n}\n\n.loaning-mortgage-slider {\n  display: block;\n  width: 100% !important;\n  min-width: 0 !important;\n  height: 24px;\n  margin: 0 !important;\n  padding: 0 !important;\n  border: none !important;\n  outline: none !important;\n  box-shadow: none !important;\n  background: transparent !important;\n  appearance: none !important;\n  -webkit-appearance: none !important;\n  cursor: pointer;\n}\n\n.loaning-mortgage-slider:focus,\n.loaning-mortgage-slider:active,\n.loaning-mortgage-slider:hover {\n  border: none !important;\n  outline: none !important;\n  box-shadow: none !important;\n  background: transparent !important;\n}\n\n.loaning-mortgage-slider::-webkit-slider-runnable-track {\n  width: 100%;\n  height: 4px;\n  border: none !important;\n  border-radius: 999px;\n  box-shadow: none !important;\n  background: var(\n    --loaning-slider-bg,\n    linear-gradient(\n      to right,\n      #22c965 0%,\n      #22c965 44.44%,\n      #d7efe1 44.44%,\n      #d7efe1 100%\n    )\n  );\n}\n\n.loaning-mortgage-slider::-webkit-slider-thumb {\n  width: 22px;\n  height: 22px;\n  margin-top: -9px;\n  border: 2px solid #22c965;\n  border-radius: 50%;\n  background: #ffffff;\n  box-shadow: 0 3px 8px rgba(34, 201, 101, 0.22);\n  cursor: pointer;\n  appearance: none;\n  -webkit-appearance: none;\n}\n\n.loaning-mortgage-slider::-moz-range-track {\n  width: 100%;\n  height: 4px;\n  border: none !important;\n  border-radius: 999px;\n  box-shadow: none !important;\n  background: #d7efe1;\n}\n\n.loaning-mortgage-slider::-moz-range-progress {\n  height: 4px;\n  border: none !important;\n  border-radius: 999px;\n  background: #22c965;\n}\n\n.loaning-mortgage-slider::-moz-range-thumb {\n  width: 22px;\n  height: 22px;\n  border: 2px solid #22c965;\n  border-radius: 50%;\n  background: #ffffff;\n  box-shadow: 0 3px 8px rgba(34, 201, 101, 0.22);\n  cursor: pointer;\n}\n\n.loaning-calculate-button {\n  display: inline-flex;\n  align-items: center;\n  justify-content: center;\n  width: min(300px, 100%);\n  min-height: 38px;\n  padding: 0 22px;\n  border-radius: 999px;\n  background: #22c965;\n  color: #ffffff !important;\n  text-decoration: none !important;\n  font-size: 13.5px;\n  line-height: 1.2;\n  font-weight: 700;\n  box-shadow: 0 4px 10px rgba(34, 201, 101, 0.18);\n  transition: background-color 0.2s ease, transform 0.2s ease, box-shadow 0.2s ease;\n}\n\n.loaning-calculate-button:hover {\n  background: #1db65a;\n  color: #ffffff !important;\n  transform: translateY(-1px);\n  box-shadow: 0 6px 14px rgba(34, 201, 101, 0.24);\n}\n\n.loaning-terms {\n  margin: 6px 0 0;\n  font-size: 9.8px;\n  line-height: 1.4;\n  color: #6b7280;\n}\n\n@media (max-width: 768px) {\n  .loaning-mortgage-box {\n    width: 100%;\n    margin: 24px 0 30px;\n    padding: 19px 16px 15px;\n    border-radius: 17px;\n  }\n\n  .loaning-mortgage-box::before {\n    width: 180px;\n    height: 180px;\n    top: -74px;\n    right: -68px;\n  }\n\n  .loaning-mortgage-box h2 {\n    font-size: 16px;\n  }\n\n  .loaning-mortgage-amount {\n    font-size: 22px;\n    margin-bottom: 20px;\n  }\n\n  .loaning-slider-wrap {\n    width: 100%;\n    max-width: 420px;\n    margin-bottom: 20px;\n  }\n\n  .loaning-calculate-button {\n    width: min(300px, 100%);\n    min-height: 40px;\n    font-size: 13px;\n  }\n\n  .loaning-terms {\n    font-size: 9.5px;\n  }\n}\n<\/style>\n\n<script>\n(function () {\n  const slider = document.getElementById(\"loaningMortgageSlider\");\n  const amount = document.getElementById(\"loaningMortgageAmount\");\n\n  if (!slider || !amount) return;\n\n  function formatCurrency(value) {\n    return \"$\" + Number(value).toLocaleString(\"en-US\");\n  }\n\n  function updateSlider() {\n    const min = Number(slider.min);\n    const max = Number(slider.max);\n    const value = Number(slider.value);\n    const percentage = ((value - min) \/ (max - min)) * 100;\n\n    amount.textContent = formatCurrency(value);\n\n    slider.style.setProperty(\n      \"--loaning-slider-bg\",\n      \"linear-gradient(to right, #22c965 0%, #22c965 \" +\n        percentage +\n        \"%, #d7efe1 \" +\n        percentage +\n        \"%, #d7efe1 100%)\"\n    );\n  }\n\n  slider.addEventListener(\"input\", updateSlider);\n  updateSlider();\n})();\n<\/script>\n\n\n\n<p class=\"has-white-color has-text-color has-link-color wp-elements-2 wp-block-paragraph\">.<\/p>\n\n\n\n<h2 id=\"h-\uc5bc\ubc14\uc778-\uc9d1\uac12-\uc2fc\uacf3-2026-typical-hoa-fees-in-irvine\" class=\"wp-block-heading\" style=\"font-size:24px\"><strong>\uc5bc\ubc14\uc778 \uc9d1\uac12 \uc2fc\uacf3 2026 : Typical HOA Fees in Irvine<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\uc5bc\ubc14\uc778\uc758 HOA \uad00\ub9ac\ube44\ub294 \uc9c0\uc5ed, \uc8fc\ud0dd \uc720\ud615, \uc81c\uacf5\ub418\ub294 \ud3b8\uc758 \uc2dc\uc124 \uc218\uc900\uc5d0 \ub530\ub77c \ub2e4\ub978\ub370\uc694.<br>\uc77c\ubc18\uc801\uc73c\ub85c \ub9ce\uc740 \ubc14\uc774\uc5b4\ubd84\ub4e4\uc774 \ucee4\ubba4\ub2c8\ud2f0\ub9c8\ub2e4 HOA \uad00\ub9ac\ube44 \ud3b8\ucc28\uac00 \ud06c\ub2e4\ub294 \uc0ac\uc2e4\uc5d0 \uc885\uc885 \ub180\ub77c\uace4 \ud558\uc2ed\ub2c8\ub2e4.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\ucf58\ub3c4 \ubc0f \ud0c0\uc6b4\ud648: \uc77c\ubc18\uc801\uc73c\ub85c \uc6d4 $250\u2013$450<\/li>\n\n\n\n<li>\ub2e8\ub3c5\uc8fc\ud0dd: \ub300\uac1c \uc6d4 $125\u2013$350<\/li>\n\n\n\n<li>\uace0\uae09 \uc8fc\ud0dd\ub2e8\uc9c0 \ub610\ub294 \uac8c\uc774\ud2b8 \ucee4\ubba4\ub2c8\ud2f0: \uc6d4 $400 \uc774\uc0c1\uc774 \uc77c\ubc18\uc801<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Pro Tip: \uc5bc\ubc14\uc778\uc758 \uc77c\ubd80 \uc9c0\uc5ed\uc740 \ub9c8\uc2a4\ud130 HOA\uc640 \ud558\uc704 \ud611\ud68c\uac00 \ubaa8\ub450 \uc874\uc7ac\ud574\uc694. \uc8fc\ud0dd\uc744 \ube44\uad50\ud558\uae30 \uc804\uc5d0 \ud56d\uc0c1 \uc6d4 HOA \ubd80\ub2f4\uae08 \ucd1d\uc561\uc744 \uaf2d \ud655\uc778\ud574 \ubcf4\uc138\uc694.<\/p>\n\n\n\n<p class=\"has-white-color has-text-color has-link-color wp-elements-3 wp-block-paragraph\">.<\/p>\n\n\n\n<h2 id=\"h-\uc7a0\uae50-\uba5c\ub85c-\ub8e8\uc2a4-mello-roos-\ub294-\ubb58\uae4c\uc694\" class=\"wp-block-heading\" style=\"font-size:24px\"><strong>\uc7a0\uae50, \uba5c\ub85c \ub8e8\uc2a4(Mello-Roos)\ub294 \ubb58\uae4c\uc694?<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\uba5c\ub85c-\ub8e8\uc2a4\ub294 \ud559\uad50, \ub3c4\ub85c, \uacf5\uacf5 \uc2dc\uc124\uacfc \uac19\uc740 \uc778\ud504\ub77c\uc5d0 \uc790\uae08\uc744 \uc870\ub2ec\ud558\uae30 \uc704\ud574 \ubd80\uacfc\ub418\ub294 <span style=\"text-decoration: underline;\">\ud2b9\ubcc4 \uc138\uae08<\/span>\uc785\ub2c8\ub2e4. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc5bc\ubc14\uc778\uc5d0\uc11c\ub294 \ube44\uad50\uc801 \uc0c8\ub85c\uc6b4 \uc8fc\uac70 \ub2e8\uc9c0\ub098 \uc885\ud569 \uacc4\ud68d \uac1c\ubc1c \ub2e8\uc9c0\uc5d0\uc11c \uba5c\ub85c-\ub8e8\uc2a4\uac00 \uac00\uc7a5 \ud754\ud788 \uc801\uc6a9\ub418\ub294\ub370\uc694!<br>HOA \ud68c\ube44\uc640 \ub2ec\ub9ac, \uc7ac\uc0b0\uc138 \uace0\uc9c0\uc11c\ub97c \ud1b5\ud574 \ub0a9\ubd80\ub418\uba70, \uc5f0\uac04 \uc8fc\ud0dd \ube44\uc6a9\uc5d0 \uc218\ucc9c \ub2ec\ub7ec\ub97c \ucd94\uac00\ub85c \ubd80\ub2f4\ud558\uac8c \ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"has-white-color has-text-color has-link-color wp-elements-4 wp-block-paragraph\">.<\/p>\n\n\n\n<h2 id=\"h-\uc5bc\ubc14\uc778-\uc9d1\uac12-\uc2fc\uacf3-2026-irvine\uc5d0\uc11c-\uba5c\ub85c-\ub8e8\uc2a4-mello-roos-\uc138\uae08\uc740-\uc5bc\ub9c8\uc778\uac00\uc694\" class=\"wp-block-heading\" style=\"font-size:24px\"><strong>\uc5bc\ubc14\uc778 \uc9d1\uac12 \uc2fc\uacf3 2026 : Irvine\uc5d0\uc11c \uba5c\ub85c-\ub8e8\uc2a4(Mello-Roos) \uc138\uae08\uc740 \uc5bc\ub9c8\uc778\uac00\uc694?<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\uba5c\ub85c-\ub8e8\uc2a4(Mello-Roos) \ubd80\ub2f4\uae08\uc740 \uc9c0\uc5ed\uacfc \ud574\ub2f9 \ucee4\ubba4\ub2c8\ud2f0\uac00 \uac1c\ubc1c\ub41c \uc2dc\uae30\uc5d0 \ub530\ub77c \ub2ec\ub77c\uc694.<br>\uc77c\ubc18\uc801\uc73c\ub85c \ubc14\uc774\uc5b4\ub294 \uc544\ub798 \ud56d\ubaa9\uc5d0 \ud574\ub2f9\ud558\ub294 \uae08\uc561\uc744 \uac10\uc548\ud574 \uc8fc\uc2dc\uba74 \uc88b\uc544\uc694! <\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\uc5bc\ubc14\uc778\uc758 \uc624\ub798\ub41c \uc9c0\uc5ed: \ub300\uac1c \uba5c\ub85c-\ub8e8\uc2a4(Mello-Roos) \ubd80\ub2f4\uae08 \uc5c6\uc74c<\/li>\n\n\n\n<li>\uc911\uae30 \uac1c\ubc1c \ub2e8\uc9c0: \uc5f0\uac04 1,500~3,500\ub2ec\ub7ec<\/li>\n\n\n\n<li>\uadf8\ub808\uc774\ud2b8 \ud30c\ud06c(Great Park) \uc77c\ubd80\ub97c \ud3ec\ud568\ud55c \uc2e0\ucd95 \ucee4\ubba4\ub2c8\ud2f0: \uc5f0\uac04 4,000~7,000\ub2ec\ub7ec \uc774\uc0c1<\/li>\n\n\n\n<li><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Pro Tip: Loaning.ai\ub97c \uc774\uc6a9\ud558\uba74 \ubaa8\uae30\uc9c0 \uc0c1\ud658\uae08, \uc7ac\uc0b0\uc138, HOA \ud68c\ube44, \uba5c\ub85c-\ub8e8\uc2a4 \ubd80\ub2f4\uae08 \ub4f1\uc744 \ud3ec\ud568\ud55c \uc8fc\ud0dd \uc18c\uc720\uc758 \uc2e4\uc81c \uc6d4\ubcc4 \ube44\uc6a9\uc744 \ucd94\uc815\ud560 \uc218 \uc788\uc73c\ubbc0\ub85c, <br>\uacc4\uc57d \uccb4\uacb0 \ud6c4 \uc608\uc0c1\uce58 \ubabb\ud55c \ube44\uc6a9\uc774 \ubc1c\uc0dd\ud558\ub294 \uc77c\uc744 \uc904\uc77c \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ud83d\ude0e<\/p>\n\n\n\n<p class=\"has-white-color has-text-color has-link-color wp-elements-5 wp-block-paragraph\">.@<\/p>\n\n\n\n<h2 id=\"h-hoa-\ubc0f-\uba5c\ub85c-\ub8e8\uc2a4-mello-roos-\ube44\uc6a9\uc740-\ub0bc-\uac00\uce58\uac00-\uc788\uc744\uae4c\uc694\" class=\"wp-block-heading\" style=\"font-size:24px\"><strong>HOA \ubc0f \uba5c\ub85c-\ub8e8\uc2a4(Mello-Roos) \ube44\uc6a9\uc740 \ub0bc \uac00\uce58\uac00 \uc788\uc744\uae4c\uc694?<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\uc870\uc2ec\uc2a4\ub7fd\uc9c0\ub9cc, \ub9ce\uc740 \ubc14\uc774\uc5b4\uc5d0\uac8c\ub294 \uadf8\ub7f4 \uac00\uce58\uac00 \uc788\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4. <br>HOA\uac00 \uad00\ub9ac\ud558\ub294 \ud3b8\uc758\uc2dc\uc124, \uc798 \uc815\ub3c8\ub41c \ucee4\ubba4\ub2c8\ud2f0 \ud658\uacbd, \uadf8\ub9ac\uace0 Mello-Roos\ub85c \uc870\uc131\ub418\ub294 \ud559\uad50\/ \ub3c4\ub85c\/ \uacf5\uacf5\uc2dc\uc124 \uac19\uc740 \uc778\ud504\ub77c\ub294 \ucd94\uac00 \ube44\uc6a9\uc744 \uac10\uc218\ud560 \ub9cc\ud55c \uc774\uc720\uac00 \ub420 \uc218 \uc788\uae30 \ub54c\ubb38\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ub2e4\ub9cc, \uadf8 \uac00\uce58\uac00 \uc5bc\ub9c8\ub098 \ud070\uc9c0\ub294 \ud3b8\uc758\uc2dc\uc124\uc744 \uc2e4\uc81c\ub85c \uc5bc\ub9c8\ub098 \uc790\uc8fc \uc774\uc6a9\ud558\ub294\uc9c0, \uc5bc\ub9c8\ub098 \uc624\ub798 \uac70\uc8fc\ud560 \uacc4\ud68d\uc778\uc9c0, \uadf8\ub9ac\uace0 HOA\ub9c8\ub2e4 \uad00\ub9ac \ubc94\uc704\uac00 \uc5b4\ub5bb\uac8c \ub2e4\ub978\uc9c0\uc5d0 \ub530\ub77c \ub2ec\ub77c\uc838\uc694.<br>\ub54c\ubb38\uc5d0 \uc544\ub798 \uacbd\uc6b0\uc5d0 \ud574\ub2f9\ud558\ub294\uc9c0 \ud55c \ubc88 \uac80\ud1a0\ud574 \ubcf4\uc138\uc694! \ud83d\udd0e<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\uc218\uc601\uc7a5, \uacf5\uc6d0, \uc0b0\ucc45\ub85c\ub97c \uc790\uc8fc \uc774\uc6a9\ud558\ub294 \ubc14\uc774\uc5b4<\/li>\n\n\n\n<li>\uc7ac\ud310\ub9e4 \uc2dc \ub9e4\ub825\ub3c4\uac00 \ub192\uc544\uc9c0\ub294 \uc774\uc810\uc744 \ub204\ub9ac\uace0 \uc2f6\uc740 \uc7a5\uae30 \uac70\uc8fc \ud76c\ub9dd \ubc14\uc774\uc5b4<\/li>\n<\/ul>\n\n\n\n<p class=\"has-white-color has-text-color has-link-color wp-elements-6 wp-block-paragraph\">.<\/p>\n\n\n\n<h2 id=\"h-\uc5bc\ubc14\uc778-\uc9d1\uac12-\uc2fc\uacf3-2026-market-data\" class=\"wp-block-heading\" style=\"font-size:24px\"><strong>\uc5bc\ubc14\uc778 \uc9d1\uac12 \uc2fc\uacf3 2026 : market data<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">2026\ub144 \uc5bc\ubc14\uc778(Irvine) \uc8fc\ud0dd \uc2dc\uc7a5\uc5d0\ub294 \ucd1d 991\ucc44\uc758 \ub9e4\ubb3c\uc774 \ub098\uc640 \uc788\uace0, \uc911\uc704 \uac00\uaca9\uc740 \uc57d 170\ub9cc \ub2ec\ub7ec \uc218\uc900\uc774\uc5d0\uc694.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud2b9\ud788 \ucd5c\uadfc \ud55c \ub2ec\uac04\uc758 \ub2e8\uae30\uc801\uc778 \ud750\ub984\uc744 \ubcf4\uba74 \uc9c0\ub09c\ub2ec\ubcf4\ub2e4 \ub9e4\ubb3c\uc740 15.8% \ub298\uc5b4\ub09c \ubc18\uba74 \uc911\uc704 \uac00\uaca9\uc740 0.59% \uc18c\ud3ed \ud558\ub77d\ud588\uace0, \ud3c9\ubc29\ud53c\ud2b8\ub2f9 \ub2e8\uac00 \ubcc0\ub3d9 \uc5c6\uc774 \uc9d1\uc774 \ud314\ub9ac\ub294 \uc18d\ub3c4\ub9cc \uc57d\uac04(2.22%) \ube68\ub77c\uc84c\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud558\uc9c0\ub9cc 1\ub144 \uc804\uacfc \ube44\uad50\ud574 \ubcf4\uba74 \uc2dc\uc7a5\uc758 \ubcc0\ud654\uac00 \ud6e8\uc52c \ub69c\ub837\ud558\uac8c \ub098\ud0c0\ub0a9\ub2c8\ub2e4. <br>\uc791\ub144\ubcf4\ub2e4 \ub9e4\ubb3c\uc774 14.07% \uc99d\uac00\ud588\uc9c0\ub9cc \uc911\uc704 \uac00\uaca9\uc740 6.11%, \uba74\uc801\ub2f9 \ub2e8\uac00\ub294 5.03% \ub5a8\uc5b4\uc84c\uace0, \uc9d1\uc774 \ud314\ub9ac\uae30\uae4c\uc9c0 \uac78\ub9ac\ub294 \uc2dc\uac04\ub3c4 7.32% \uae38\uc5b4\uc84c\uc2b5\ub2c8\ub2e4. <br>\uacb0\uacfc\uc801\uc73c\ub85c 1\ub144 \uc804\ubcf4\ub2e4 \uc2dc\uc7a5\uc5d0 \ub098\uc628 \uc9d1\uc774 \ub9ce\uc544\uc9c0\uace0 \uac00\uaca9\uc740 \ub2e4\uc18c \ub0b4\ub824\uac00\uba74\uc11c, \ubc14\uc774\uc5b4 \uc785\uc7a5\uc5d0\uc11c\ub294 \uc2dc\uac04\uc801 \uc5ec\uc720\ub97c \uac00\uc9c0\uace0 \ub354 \ud3ed\ub113\uc740 \uc120\ud0dd\uc9c0\ub97c \uaf3c\uaf3c\ud788 \ube44\uad50\ud574 \ubcfc \uc218 \uc788\ub294 \uc88b\uc740 \ud658\uacbd\uc774\ub77c\uace0 \ubcfc \uc218 \uc788\uc5b4\uc694.<\/p>\n\n\n\n<div class=\"loaning-la-market-table-block\">\n  <div class=\"loaning-la-market-table-card\">\n    <table class=\"loaning-la-market-table\">\n      <thead>\n        <tr>\n          <th>\uc9c0\ud45c<\/th>\n          <th>\ub3c4\uc2dc \uc804\uccb4<\/th>\n          <th>1\ub144 \ubcc0\ud654\uc728<\/th>\n          <th>3\ub144 \ubcc0\ud654\uc728<\/th>\n        <\/tr>\n      <\/thead>\n\n      <tbody>\n        <tr>\n          <td data-label=\"\uc9c0\ud45c\">Median listing $<\/td>\n          <td data-label=\"\ub3c4\uc2dc \uc804\uccb4\">$1,690,000<\/td>\n          <td data-label=\"1\ub144 \ubcc0\ud654\uc728\" class=\"negative\">-6.11%<\/td>\n          <td data-label=\"3\ub144 \ubcc0\ud654\uc728\" class=\"positive\">15.91%<\/td>\n        <\/tr>\n\n        <tr>\n          <td data-label=\"\uc9c0\ud45c\">Median sold $<\/td>\n          <td data-label=\"\ub3c4\uc2dc \uc804\uccb4\">$1,582,500<\/td>\n          <td data-label=\"1\ub144 \ubcc0\ud654\uc728\" class=\"negative\">-1.09%<\/td>\n          <td data-label=\"3\ub144 \ubcc0\ud654\uc728\" class=\"positive\">15.93%<\/td>\n        <\/tr>\n\n        <tr>\n          <td data-label=\"\uc9c0\ud45c\">$ per sq ft<\/td>\n          <td data-label=\"\ub3c4\uc2dc \uc804\uccb4\">$830\/sq ft<\/td>\n          <td data-label=\"1\ub144 \ubcc0\ud654\uc728\" class=\"negative\">-5.03%<\/td>\n          <td data-label=\"3\ub144 \ubcc0\ud654\uc728\" class=\"positive\">14.33%<\/td>\n        <\/tr>\n\n        <tr>\n          <td data-label=\"\uc9c0\ud45c\">Active listings<\/td>\n          <td data-label=\"\ub3c4\uc2dc \uc804\uccb4\">991<\/td>\n          <td data-label=\"1\ub144 \ubcc0\ud654\uc728\" class=\"positive\">14.07%<\/td>\n          <td data-label=\"3\ub144 \ubcc0\ud654\uc728\" class=\"positive\">158.76%<\/td>\n        <\/tr>\n\n        <tr>\n          <td data-label=\"\uc9c0\ud45c\">Median days on market<\/td>\n          <td data-label=\"\ub3c4\uc2dc \uc804\uccb4\">44 days<\/td>\n          <td data-label=\"1\ub144 \ubcc0\ud654\uc728\" class=\"positive\">7.32%<\/td>\n          <td data-label=\"3\ub144 \ubcc0\ud654\uc728\" class=\"positive\">46.67%<\/td>\n        <\/tr>\n\n        <tr>\n          <td data-label=\"\uc9c0\ud45c\">Rental properties<\/td>\n          <td data-label=\"\ub3c4\uc2dc \uc804\uccb4\">1,972<\/td>\n          <td data-label=\"1\ub144 \ubcc0\ud654\uc728\" class=\"negative\">-9.89%<\/td>\n          <td data-label=\"3\ub144 \ubcc0\ud654\uc728\" class=\"positive\">17.68%<\/td>\n        <\/tr>\n\n        <tr>\n          <td data-label=\"\uc9c0\ud45c\">Median rent<\/td>\n          <td data-label=\"\ub3c4\uc2dc \uc804\uccb4\">$3,295\/mo<\/td>\n          <td data-label=\"1\ub144 \ubcc0\ud654\uc728\" class=\"positive\">1.07%<\/td>\n          <td data-label=\"3\ub144 \ubcc0\ud654\uc728\" class=\"negative\">-3.23%<\/td>\n        <\/tr>\n      <\/tbody>\n    <\/table>\n  <\/div>\n\n  <p class=\"loaning-la-market-table-note\">\n    cf. Key indicators as of May 2026, Source: Realtor.com\u00ae\n  <\/p>\n<\/div>\n\n<style>\n  .loaning-la-market-table-block {\n    width: 100%;\n    max-width: 760px;\n    margin: 28px auto 40px;\n    font-family: 'Pretendard', -apple-system, BlinkMacSystemFont, 'Apple SD Gothic Neo', sans-serif;\n    box-sizing: border-box;\n  }\n\n  .loaning-la-market-table-card {\n    position: relative;\n    width: 100%;\n    margin: 0 auto;\n    overflow: hidden;\n    border-radius: 18px;\n    border: 1px solid #d7efe1;\n    background: #ffffff;\n    box-shadow:\n      0 12px 28px rgba(15, 23, 42, 0.055),\n      0 3px 8px rgba(15, 23, 42, 0.03);\n    box-sizing: border-box;\n  }\n\n  .loaning-la-market-table {\n    position: relative;\n    z-index: 1;\n    width: 100% !important;\n    min-width: 100% !important;\n    max-width: 100% !important;\n    margin: 0 !important;\n    padding: 0 !important;\n    border-collapse: collapse !important;\n    border-spacing: 0 !important;\n    table-layout: fixed !important;\n    background: #ffffff;\n    box-sizing: border-box;\n  }\n\n  .loaning-la-market-table thead,\n  .loaning-la-market-table tbody,\n  .loaning-la-market-table tr {\n    width: 100% !important;\n  }\n\n  .loaning-la-market-table th,\n  .loaning-la-market-table td {\n    box-sizing: border-box;\n  }\n\n  .loaning-la-market-table thead th {\n    background: #22c965;\n    color: #ffffff;\n    font-size: 13.5px;\n    line-height: 1.35;\n    font-weight: 800;\n    text-align: left;\n    padding: 14px 16px;\n    border-bottom: 1px solid #1db65a;\n    white-space: normal;\n  }\n\n  .loaning-la-market-table thead th:not(:last-child) {\n    border-right: 1px solid rgba(255, 255, 255, 0.28);\n  }\n\n  .loaning-la-market-table tbody td {\n    background: #ffffff;\n    color: #4b5563;\n    font-size: 13.5px;\n    line-height: 1.45;\n    font-weight: 400;\n    text-align: left;\n    padding: 14px 16px;\n    border-bottom: 1px solid #edf2f0;\n    white-space: normal;\n    word-break: keep-all;\n  }\n\n  .loaning-la-market-table tbody tr:last-child td {\n    border-bottom: none;\n  }\n\n  .loaning-la-market-table tbody td:not(:last-child) {\n    border-right: 1px solid #edf2f0;\n  }\n\n  .loaning-la-market-table th:nth-child(1),\n  .loaning-la-market-table td:nth-child(1) {\n    width: 36%;\n  }\n\n  .loaning-la-market-table th:nth-child(2),\n  .loaning-la-market-table td:nth-child(2) {\n    width: 24%;\n  }\n\n  .loaning-la-market-table th:nth-child(3),\n  .loaning-la-market-table td:nth-child(3),\n  .loaning-la-market-table th:nth-child(4),\n  .loaning-la-market-table td:nth-child(4) {\n    width: 20%;\n  }\n\n  .loaning-la-market-table tbody td:first-child {\n    color: #334155;\n    font-weight: 500;\n  }\n\n  .loaning-la-market-table tbody td:nth-child(2) {\n    color: #073b2b;\n    font-weight: 600;\n  }\n\n  .loaning-la-market-table tbody td.positive {\n    color: #22863a;\n    font-weight: 600;\n  }\n\n  .loaning-la-market-table tbody td.negative {\n    color: #e11d1d;\n    font-weight: 600;\n  }\n\n  .loaning-la-market-table tbody tr:nth-child(even) td {\n    background: #fbfdfc;\n  }\n\n  .loaning-la-market-table-block .loaning-la-market-table-note {\n    max-width: 760px;\n    margin: 6px auto 0 !important;\n    color: #6b7280 !important;\n    font-size: 8.8px !important;\n    line-height: 1.45 !important;\n    font-weight: 400 !important;\n    text-align: left !important;\n    letter-spacing: -0.01em;\n  }\n\n  @media (max-width: 640px) {\n    .loaning-la-market-table-block {\n      max-width: 100%;\n      margin: 24px auto 34px;\n    }\n\n    .loaning-la-market-table-card {\n      border: none;\n      border-radius: 0;\n      box-shadow: none;\n      background: transparent;\n      overflow: visible;\n    }\n\n    .loaning-la-market-table {\n      display: block !important;\n      width: 100% !important;\n      min-width: 0 !important;\n      background: transparent;\n    }\n\n    .loaning-la-market-table thead {\n      display: none;\n    }\n\n    .loaning-la-market-table tbody {\n      display: grid;\n      gap: 12px;\n      width: 100%;\n    }\n\n    .loaning-la-market-table tbody tr {\n      display: block;\n      width: 100%;\n      background: #ffffff;\n      border: 1px solid #d7efe1;\n      border-radius: 16px;\n      overflow: hidden;\n      box-shadow: 0 8px 20px rgba(15, 23, 42, 0.05);\n    }\n\n    .loaning-la-market-table tbody td {\n      display: flex;\n      align-items: flex-start;\n      justify-content: space-between;\n      gap: 16px;\n      width: 100% !important;\n      padding: 12px 14px;\n      border-right: none !important;\n      border-bottom: 1px solid #edf2f0;\n      background: #ffffff;\n      font-size: 13px;\n      line-height: 1.45;\n      font-weight: 400;\n      box-sizing: border-box;\n    }\n\n    .loaning-la-market-table tbody td:last-child {\n      border-bottom: none;\n    }\n\n    .loaning-la-market-table tbody td::before {\n      content: attr(data-label);\n      flex: 0 0 44%;\n      max-width: 44%;\n      color: #6b7280;\n      font-weight: 600;\n    }\n\n    .loaning-la-market-table tbody td:first-child {\n      background: #22c965;\n      color: #ffffff;\n      font-weight: 700;\n    }\n\n    .loaning-la-market-table tbody td:first-child::before {\n      color: #ffffff;\n      font-weight: 700;\n    }\n\n    .loaning-la-market-table tbody td:nth-child(2) {\n      color: #073b2b;\n      font-weight: 600;\n    }\n\n    .loaning-la-market-table tbody td.positive {\n      color: #22863a;\n      font-weight: 600;\n    }\n\n    .loaning-la-market-table tbody td.negative {\n      color: #e11d1d;\n      font-weight: 600;\n    }\n\n    .loaning-la-market-table-block .loaning-la-market-table-note {\n      margin-top: 8px !important;\n      font-size: 9px !important;\n      line-height: 1.45 !important;\n    }\n  }\n<\/style>\n\n\n\n<section class=\"la-budget-cards compact\">\n\n  <!-- Card 1 -->\n  <article class=\"la-card\">\n    <div class=\"la-card-header\">\n      <span class=\"la-card-number\">01<\/span>\n      <div>\n        <h3>Business District<\/h3>\n        <p>Airport Area \u00b7 Watermarke \u00b7 Central Irvine condos<\/p>\n      <\/div>\n    <\/div>\n\n    <div class=\"la-card-grid\">\n      <div>\n        <strong>2026 Price Point<\/strong>\n        <span>\uc57d $967K home value<\/span>\n      <\/div>\n      <div>\n        <strong>Home Type<\/strong>\n        <span>Condos \/ 1\u20132BR units<\/span>\n      <\/div>\n      <div>\n        <strong>Why Cheaper<\/strong>\n        <span>\ucf58\ub3c4 \uc911\uc2ec \uc120\ud0dd\uc9c0<\/span>\n      <\/div>\n    <\/div>\n\n    <div class=\"la-card-detail\">\n      <h4>\uc9c0\uc5ed \uc694\uc57d<\/h4>\n      <p>\n        Business District\ub294 Irvine \uc548\uc5d0\uc11c \uc0c1\ub300\uc801\uc73c\ub85c \ub0ae\uc740 \uac00\uaca9\ub300\uc758 \ucf58\ub3c4 \ub9e4\ubb3c\uc774 \ubcf4\uc774\ub294 \uc9c0\uc5ed\uc785\ub2c8\ub2e4.\n        \ub2e8\ub3c5\uc8fc\ud0dd\ubcf4\ub2e4 \ucf58\ub3c4 \ube44\uc911\uc774 \ub192\uc544, Irvine \uc9c4\uc785 \uc608\uc0b0\uc744 \ub0ae\ucd94\uace0 \uc2f6\uc740 \ubc14\uc774\uc5b4\uac00 \uba3c\uc800 \ube44\uad50\ud574\ubcfc \uc218 \uc788\uc2b5\ub2c8\ub2e4.\n      <\/p>\n    <\/div>\n\n    <div class=\"la-card-detail\">\n      <h4>\ubc14\uc774\uc5b4 \uccb4\ud06c\ud3ec\uc778\ud2b8<\/h4>\n      <p>\n        HOA \uad00\ub9ac\ube44, \uc8fc\ucc28, \uac74\ubb3c \ud3b8\uc758\uc2dc\uc124, rental rules, property taxes\ub97c \ud568\uaed8 \ud655\uc778\ud574\uc57c \ud569\ub2c8\ub2e4.\n        \ub0ae\uc544 \ubcf4\uc774\ub294 \ub9e4\ubb3c \uac00\uaca9\ub3c4 \uc6d4 HOA \ube44\uc6a9\uae4c\uc9c0 \ud3ec\ud568\ud558\uba74 \uc2e4\uc81c \ubd80\ub2f4\uc774 \ub2ec\ub77c\uc9c8 \uc218 \uc788\uc2b5\ub2c8\ub2e4.\n      <\/p>\n    <\/div>\n  <\/article>\n\n  <!-- Card 2 -->\n  <article class=\"la-card\">\n    <div class=\"la-card-header\">\n      <span class=\"la-card-number\">02<\/span>\n      <div>\n        <h3>Oak Creek<\/h3>\n        <p>Oak Creek Village \u00b7 Irvine Spectrum access<\/p>\n      <\/div>\n    <\/div>\n\n    <div class=\"la-card-grid\">\n      <div>\n        <strong>2026 Price Point<\/strong>\n        <span>\uc57d $989K home value<\/span>\n      <\/div>\n      <div>\n        <strong>Home Type<\/strong>\n        <span>Condos \/ Townhomes<\/span>\n      <\/div>\n      <div>\n        <strong>Why Cheaper<\/strong>\n        <span>Attached homes \uc911\uc2ec<\/span>\n      <\/div>\n    <\/div>\n\n    <div class=\"la-card-detail\">\n      <h4>\uc9c0\uc5ed \uc694\uc57d<\/h4>\n      <p>\n        Oak Creek\uc740 Irvine \uc548\uc5d0\uc11c \ube44\uad50\uc801 \uc811\uadfc \uac00\ub2a5\ud55c \ucf58\ub3c4\uc640 \ud0c0\uc6b4\ud648 \uc120\ud0dd\uc9c0\ub97c \ucc3e\uc744 \ub54c \ud568\uaed8 \uac80\ud1a0\ud560 \uc218 \uc788\ub294 \uc9c0\uc5ed\uc785\ub2c8\ub2e4.\n        Irvine Spectrum, \uc8fc\uc694 \ub3c4\ub85c, \uc0dd\ud65c \ud3b8\uc758\uc2dc\uc124 \uc811\uadfc\uc131\uc744 \uc911\uc694\ud558\uac8c \ubcf4\ub294 \ubc14\uc774\uc5b4\uc5d0\uac8c \ud604\uc2e4\uc801\uc778 \uc120\ud0dd\uc9c0\uac00 \ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4.\n      <\/p>\n    <\/div>\n\n    <div class=\"la-card-detail\">\n      <h4>\ubc14\uc774\uc5b4 \uccb4\ud06c\ud3ec\uc778\ud2b8<\/h4>\n      <p>\n        \uac19\uc740 Oak Creek \uc548\uc5d0\uc11c\ub3c4 \uc8fc\ud0dd \uc720\ud615, HOA \uad6c\uc870, Mello-Roos \uc5ec\ubd80\uc5d0 \ub530\ub77c \uc6d4 \ube44\uc6a9\uc774 \ub2ec\ub77c\uc9c8 \uc218 \uc788\uc2b5\ub2c8\ub2e4.\n        \ub9e4\ubb3c \uac00\uaca9\ub9cc \ubcf4\uc9c0 \ub9d0\uace0 HOA docs\uc640 property tax bill\uc744 \ud568\uaed8 \ud655\uc778\ud558\ub294 \uac83\uc774 \uc88b\uc2b5\ub2c8\ub2e4.\n      <\/p>\n    <\/div>\n  <\/article>\n\n  <!-- Card 3 -->\n  <article class=\"la-card\">\n    <div class=\"la-card-header\">\n      <span class=\"la-card-number\">03<\/span>\n      <div>\n        <h3>Woodbridge<\/h3>\n        <p>North Lake \u00b7 South Lake \u00b7 Established Irvine community<\/p>\n      <\/div>\n    <\/div>\n\n    <div class=\"la-card-grid\">\n      <div>\n        <strong>2026 Price Point<\/strong>\n        <span>\uc57d $1.20M\u2013$1.27M<\/span>\n      <\/div>\n      <div>\n        <strong>Home Type<\/strong>\n        <span>Condos \/ Townhomes \/ Homes<\/span>\n      <\/div>\n      <div>\n        <strong>Why Cheaper<\/strong>\n        <span>\uc2e0\ucd95 \ub300\ube44 \ub0ae\uc740 \uac00\uaca9\ub300<\/span>\n      <\/div>\n    <\/div>\n\n    <div class=\"la-card-detail\">\n      <h4>\uc9c0\uc5ed \uc694\uc57d<\/h4>\n      <p>\n        Woodbridge\ub294 Irvine\uc758 \ub300\ud45c\uc801\uc778 \uc624\ub798 \uc790\ub9ac \uc7a1\uc740 \uacc4\ud68d \ucee4\ubba4\ub2c8\ud2f0 \uc911 \ud558\ub098\uc785\ub2c8\ub2e4.\n        Great Park, Orchard Hills \uac19\uc740 \uc2e0\ucd95\u00b7\ud504\ub9ac\ubbf8\uc5c4 \uc9c0\uc5ed\ubcf4\ub2e4 \uc0c1\ub300\uc801\uc73c\ub85c \ub0ae\uc740 \uac00\uaca9\ub300\uc758 \ub9e4\ubb3c\uc744 \ucc3e\ub294 \ubc14\uc774\uc5b4\uac00 \ube44\uad50\ud574\ubcfc \uc218 \uc788\uc2b5\ub2c8\ub2e4.\n      <\/p>\n    <\/div>\n\n    <div class=\"la-card-detail\">\n      <h4>\ubc14\uc774\uc5b4 \uccb4\ud06c\ud3ec\uc778\ud2b8<\/h4>\n      <p>\n        \ud638\uc218, \uacf5\uc6d0, \ucee4\ubba4\ub2c8\ud2f0 \uc2dc\uc124 \uc811\uadfc\uc131\uc774 \uc7a5\uc810\uc774\uc9c0\ub9cc HOA \uad00\ub9ac\ube44\uc640 \uc8fc\ud0dd \uc5f0\uc2dd\ub3c4 \ud568\uaed8 \ubd10\uc57c \ud569\ub2c8\ub2e4.\n        \ud2b9\ud788 \ub9ac\ubaa8\ub378\ub9c1 \uc5ec\ubd80, roof, HVAC, plumbing \uac19\uc740 \uc720\uc9c0\ubcf4\uc218 \ube44\uc6a9\uc744 \ud655\uc778\ud558\ub294 \uac83\uc774 \uc911\uc694\ud569\ub2c8\ub2e4.\n      <\/p>\n    <\/div>\n  <\/article>\n\n  <!-- Card 4 -->\n  <article class=\"la-card\">\n    <div class=\"la-card-header\">\n      <span class=\"la-card-number\">04<\/span>\n      <div>\n        <h3>El Camino Real<\/h3>\n        <p>Older Irvine homes \u00b7 Central location<\/p>\n      <\/div>\n    <\/div>\n\n    <div class=\"la-card-grid\">\n      <div>\n        <strong>2026 Price Point<\/strong>\n        <span>\uc57d $1.35M median listing<\/span>\n      <\/div>\n      <div>\n        <strong>Home Type<\/strong>\n        <span>Older homes \/ Condos<\/span>\n      <\/div>\n      <div>\n        <strong>Why Cheaper<\/strong>\n        <span>\uc5f0\uc2dd \uc788\ub294 \uc8fc\ud0dd \ube44\uc911<\/span>\n      <\/div>\n    <\/div>\n\n    <div class=\"la-card-detail\">\n      <h4>\uc9c0\uc5ed \uc694\uc57d<\/h4>\n      <p>\n        El Camino Real\uc740 Irvine \uc548\uc5d0\uc11c \ube44\uad50\uc801 \uc624\ub798\ub41c \uc8fc\uac70\uc9c0\uac00 \ud3ec\ud568\ub41c \uc9c0\uc5ed\uc785\ub2c8\ub2e4.\n        \uc2e0\ucd95 \ucee4\ubba4\ub2c8\ud2f0\ubcf4\ub2e4 \uac00\uaca9 \uc9c4\uc785 \uc7a5\ubcbd\uc774 \ub0ae\uc744 \uc218 \uc788\uace0, \uc911\uc2ec \uc785\uc9c0\uc640 \uc0dd\ud65c \ud3b8\uc758\uc131\uc744 \ud568\uaed8 \uace0\ub824\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.\n      <\/p>\n    <\/div>\n\n    <div class=\"la-card-detail\">\n      <h4>\ubc14\uc774\uc5b4 \uccb4\ud06c\ud3ec\uc778\ud2b8<\/h4>\n      <p>\n        \uc8fc\ud0dd \uc5f0\uc2dd\uc774 \uc788\ub294 \ub9cc\ud07c inspection, \uc218\ub9ac\ube44, \ubcf4\ud5d8, \uc5d0\ub108\uc9c0 \ud6a8\uc728, \ub9ac\ubaa8\ub378\ub9c1 \uac00\ub2a5\uc131\uc744 \uaf3c\uaf3c\ud788 \ud655\uc778\ud574\uc57c \ud569\ub2c8\ub2e4.\n        \ub0ae\uc740 \ub9e4\ubb3c \uac00\uaca9\uc774 \uc7a5\uc810\uc774 \ub420 \uc218 \uc788\uc9c0\ub9cc, \uad6c\ub9e4 \ud6c4 \uc218\ub9ac \uc608\uc0b0\uae4c\uc9c0 \ud3ec\ud568\ud574 \ube44\uad50\ud558\ub294 \uac83\uc774 \uc548\uc804\ud569\ub2c8\ub2e4.\n      <\/p>\n    <\/div>\n  <\/article>\n\n<\/section>\n\n<p class=\"la-budget-cards-note\">\n  cf. 2026 price points are approximate and may change by source, listing mix, property type, HOA dues, Mello-Roos, and individual parcel. Buyers should verify current listings, HOA documents, tax bills, and lender estimates before making an offer.\n<\/p>\n\n<style>\n  .la-budget-cards.compact {\n    width: 100%;\n    max-width: 980px;\n    margin: 26px auto 8px;\n    display: grid;\n    grid-template-columns: repeat(2, minmax(0, 1fr));\n    align-items: stretch;\n    gap: 16px;\n    background: #ffffff;\n    font-family: 'Pretendard', -apple-system, BlinkMacSystemFont, 'Apple SD Gothic Neo', sans-serif;\n    box-sizing: border-box;\n  }\n\n  .la-budget-cards.compact .la-card {\n    position: relative;\n    overflow: hidden;\n    border-radius: 18px;\n    padding: 20px;\n    color: #073b2b;\n    background: #ffffff;\n    border: 1px solid rgba(34, 201, 101, 0.24);\n    box-shadow:\n      0 12px 28px rgba(15, 23, 42, 0.055),\n      0 3px 8px rgba(15, 23, 42, 0.03);\n    box-sizing: border-box;\n  }\n\n  .la-budget-cards.compact .la-card::before {\n    content: \"\";\n    position: absolute;\n    width: 260px;\n    height: 260px;\n    top: -108px;\n    right: -84px;\n    border-radius: 50%;\n    background:\n      radial-gradient(\n        circle,\n        rgba(34, 201, 101, 0.46) 0%,\n        rgba(34, 201, 101, 0.34) 30%,\n        rgba(34, 201, 101, 0.18) 54%,\n        rgba(34, 201, 101, 0.06) 72%,\n        rgba(34, 201, 101, 0) 86%\n      );\n    filter: blur(1px);\n    pointer-events: none;\n    z-index: 0;\n  }\n\n  .la-budget-cards.compact .la-card::after {\n    content: \"\";\n    position: absolute;\n    inset: 0;\n    background:\n      linear-gradient(\n        135deg,\n        rgba(255, 255, 255, 0.99) 0%,\n        rgba(255, 255, 255, 0.96) 48%,\n        rgba(255, 255, 255, 0.8) 100%\n      );\n    pointer-events: none;\n    z-index: 0;\n  }\n\n  .la-budget-cards.compact .la-card-header,\n  .la-budget-cards.compact .la-card-grid,\n  .la-budget-cards.compact .la-card-detail {\n    position: relative;\n    z-index: 1;\n  }\n\n  .la-budget-cards.compact .la-card-header {\n    display: flex;\n    gap: 11px;\n    align-items: flex-start;\n    margin-bottom: 14px;\n  }\n\n  .la-budget-cards.compact .la-card-number {\n    width: 30px;\n    height: 30px;\n    border-radius: 50%;\n    flex: 0 0 30px;\n    display: inline-flex;\n    align-items: center;\n    justify-content: center;\n    background: #22c965;\n    border: 1px solid #22c965;\n    color: #ffffff;\n    font-size: 12px;\n    line-height: 1;\n    font-weight: 700;\n    box-shadow: 0 4px 10px rgba(34, 201, 101, 0.18);\n  }\n\n  .la-budget-cards.compact .la-card h3 {\n    margin: 0 0 4px;\n    font-size: 19px;\n    line-height: 1.2;\n    font-weight: 800;\n    letter-spacing: -0.02em;\n    color: #073b2b;\n  }\n\n  .la-budget-cards.compact .la-card-header p {\n    margin: 0;\n    font-size: 12.5px;\n    line-height: 1.45;\n    color: #66736d;\n    font-weight: 400;\n  }\n\n  .la-budget-cards.compact .la-card-grid {\n    display: grid;\n    grid-template-columns: 1fr;\n    gap: 8px;\n    margin-bottom: 12px;\n  }\n\n  .la-budget-cards.compact .la-card-grid div {\n    min-width: 0;\n    background: rgba(255, 255, 255, 0.94);\n    border: 1px solid #e3efe8;\n    border-radius: 12px;\n    padding: 11px;\n    box-shadow: 0 4px 10px rgba(15, 23, 42, 0.025);\n  }\n\n  .la-budget-cards.compact .la-card-grid strong {\n    display: block;\n    margin-bottom: 5px;\n    font-size: 11.5px;\n    line-height: 1.25;\n    color: #6b7280;\n    font-weight: 600;\n  }\n\n  .la-budget-cards.compact .la-card-grid span {\n    display: block;\n    font-size: 14.5px;\n    font-weight: 600;\n    line-height: 1.25;\n    color: #073b2b;\n    word-break: keep-all;\n  }\n\n  .la-budget-cards.compact .la-card-detail {\n    background: rgba(255, 255, 255, 0.94);\n    border: 1px solid #e3efe8;\n    border-radius: 13px;\n    padding: 12px 14px;\n    margin-top: 9px;\n    box-shadow: 0 4px 10px rgba(15, 23, 42, 0.025);\n  }\n\n  .la-budget-cards.compact .la-card-detail h4 {\n    margin: 0 0 5px;\n    font-size: 13.5px;\n    line-height: 1.35;\n    font-weight: 800;\n    color: #073b2b;\n  }\n\n  .la-budget-cards.compact .la-card-detail p {\n    margin: 0;\n    font-size: 13px;\n    line-height: 1.55;\n    color: #4b5563;\n    font-weight: 400;\n    word-break: keep-all;\n  }\n\n  .la-budget-cards-note {\n    width: 100%;\n    max-width: 980px;\n    margin: 6px auto 40px !important;\n    color: #6b7280 !important;\n    font-family: 'Pretendard', -apple-system, BlinkMacSystemFont, 'Apple SD Gothic Neo', sans-serif;\n    font-size: 8.8px !important;\n    line-height: 1.45 !important;\n    font-weight: 400 !important;\n    text-align: left !important;\n    letter-spacing: -0.01em;\n  }\n\n  @media (max-width: 760px) {\n    .la-budget-cards.compact {\n      max-width: 100%;\n      margin: 22px auto 8px;\n      grid-template-columns: 1fr;\n      gap: 14px;\n    }\n\n    .la-budget-cards.compact .la-card {\n      padding: 17px;\n      border-radius: 17px;\n    }\n\n    .la-budget-cards.compact .la-card::before {\n      width: 210px;\n      height: 210px;\n      top: -82px;\n      right: -76px;\n    }\n\n    .la-budget-cards.compact .la-card h3 {\n      font-size: 19px;\n    }\n\n    .la-budget-cards.compact .la-card-header p {\n      font-size: 12.5px;\n    }\n\n    .la-budget-cards.compact .la-card-grid {\n      grid-template-columns: 1fr;\n      gap: 8px;\n    }\n\n    .la-budget-cards.compact .la-card-grid span {\n      font-size: 14.5px;\n    }\n\n    .la-budget-cards.compact .la-card-detail h4 {\n      font-size: 13px;\n    }\n\n    .la-budget-cards.compact .la-card-detail p {\n      font-size: 12.8px;\n    }\n\n    .la-budget-cards-note {\n      max-width: 100%;\n      margin-top: 8px !important;\n      margin-bottom: 34px !important;\n      font-size: 9px !important;\n      line-height: 1.45 !important;\n    }\n  }\n<\/style>\n\n\n\n<div class=\"loaning-rate-box\">\n  <h2>Compare mortgage rates from top lenders in minutes<\/h2>\n\n  <div class=\"loaning-rate-form\">\n    <a class=\"loaning-rate-field\" href=\"https:\/\/loaning.ai\/tools\/compare-rates?utm_source=blog_official&#038;utm_medium=loaning_kr&#038;utm_campaign=26_affordable_places_series&#038;utm_content=kr_irvine_home_price\">\n      <span>Loan Type<\/span>\n      <strong>Purchase<\/strong>\n    <\/a>\n\n    <a class=\"loaning-rate-field\" href=\"https:\/\/loaning.ai\/tools\/compare-rates?utm_source=blog_official&#038;utm_medium=loaning_kr&#038;utm_campaign=26_affordable_places_series&#038;utm_content=kr_irvine_home_price\">\n      <span>Loan Term<\/span>\n      <strong>30-Year Fixed<\/strong>\n    <\/a>\n\n    <a class=\"loaning-rate-field\" href=\"https:\/\/loaning.ai\/tools\/compare-rates?utm_source=blog_official&#038;utm_medium=loaning_kr&#038;utm_campaign=26_affordable_places_series&#038;utm_content=kr_irvine_home_price\">\n      <span>City<\/span>\n      <strong>Enter your city<\/strong>\n    <\/a>\n\n    <a class=\"loaning-rate-button\" href=\"https:\/\/loaning.ai\/tools\/compare-rates?utm_source=blog_official&#038;utm_medium=loaning_kr&#038;utm_campaign=26_affordable_places_series&#038;utm_content=kr_irvine_home_price\">\n      Compare\n    <\/a>\n  <\/div>\n\n  <p class=\"loaning-rate-note\">No impact to your credit score<\/p>\n<\/div>\n\n<style>\n.loaning-rate-box,\n.loaning-rate-box * {\n  box-sizing: border-box;\n}\n\n.loaning-rate-box {\n  width: 100%;\n  max-width: 960px;\n  margin: 28px auto;\n  padding: 24px 26px 22px;\n  border: 1px solid #e5e7eb;\n  border-radius: 10px;\n  background: #ffffff;\n  box-shadow: 0 2px 8px rgba(15, 23, 42, 0.12);\n  font-family: inherit;\n  color: #111827;\n  overflow: hidden;\n}\n\n.loaning-rate-box h2 {\n  margin: 0 0 20px;\n  text-align: center;\n  font-size: 23px;\n  line-height: 1.25;\n  font-weight: 800;\n  color: #111827;\n  white-space: nowrap;\n  letter-spacing: -0.02em;\n}\n\n.loaning-rate-form {\n  display: grid;\n  grid-template-columns: minmax(120px, 0.85fr) minmax(120px, 0.85fr) minmax(120px, 0.85fr) minmax(170px, 1.15fr);\n  gap: 14px;\n  align-items: stretch;\n  width: 100%;\n}\n\n.loaning-rate-field {\n  display: block;\n  min-height: 58px;\n  padding: 10px 12px;\n  border: 1px solid #9ca3af;\n  border-radius: 5px;\n  background: #ffffff;\n  color: #111827 !important;\n  text-decoration: none !important;\n  transition: border-color 0.2s ease, box-shadow 0.2s ease;\n  overflow: hidden;\n}\n\n.loaning-rate-field:hover {\n  border-color: #0073cf;\n  box-shadow: 0 0 0 2px rgba(0, 115, 207, 0.12);\n}\n\n.loaning-rate-field span {\n  display: block;\n  margin-bottom: 3px;\n  font-size: 11px;\n  line-height: 1.2;\n  color: #6b7280;\n  white-space: nowrap;\n}\n\n.loaning-rate-field strong {\n  display: block;\n  font-size: 14px;\n  line-height: 1.25;\n  font-weight: 700;\n  color: #374151;\n}\n\n.loaning-rate-button {\n  display: flex;\n  align-items: center;\n  justify-content: center;\n  min-height: 58px;\n  padding: 0 28px;\n  border-radius: 999px;\n  background: #22c965;\n  color: #ffffff !important;\n  text-decoration: none !important;\n  font-size: 16px;\n  line-height: 1.2;\n  font-weight: 800;\n  white-space: nowrap;\n  box-shadow: 0 4px 10px rgba(34, 201, 101, 0.18);\n  transition: background-color 0.2s ease, transform 0.2s ease, box-shadow 0.2s ease;\n}\n\n.loaning-rate-button:hover {\n  background: #1db65a;\n  color: #ffffff !important;\n  transform: translateY(-1px);\n  box-shadow: 0 6px 14px rgba(34, 201, 101, 0.24);\n}\n\n.loaning-rate-note {\n  margin: 6px 0 0;\n  text-align: center;\n  font-size: 13px;\n  line-height: 1.4;\n  color: #374151;\n}\n\n.loaning-rate-note::before {\n  content: \"\u25a3\";\n  display: inline-block;\n  margin-right: 6px;\n  font-size: 10px;\n  color: #111827;\n  vertical-align: 1px;\n}\n\n@media (max-width: 900px) {\n  .loaning-rate-box h2 {\n    font-size: 21px;\n    white-space: normal;\n  }\n\n  .loaning-rate-form {\n    grid-template-columns: 1fr 1fr;\n  }\n\n  .loaning-rate-button {\n    grid-column: span 2;\n  }\n}\n\n@media (max-width: 600px) {\n  .loaning-rate-box {\n    padding: 20px 16px;\n    margin: 24px 0;\n  }\n\n  .loaning-rate-box h2 {\n    font-size: 20px;\n    text-align: left;\n    white-space: normal;\n  }\n\n  .loaning-rate-form {\n    grid-template-columns: 1fr;\n    gap: 10px;\n  }\n\n  .loaning-rate-field {\n    min-height: 52px;\n  }\n\n  .loaning-rate-button {\n    grid-column: auto;\n    width: 100%;\n    min-height: 50px;\n  }\n\n  .loaning-rate-note {\n    font-size: 13px;\n    margin-top: 10px;\n  }\n}\n<\/style>\n\n\n\n<p class=\"has-white-color has-text-color has-link-color wp-elements-7 wp-block-paragraph\">.<\/p>\n\n\n\n<h2 id=\"h-\uc5bc\ubc14\uc778-\ubc14\uc774\uc5b4\uac00-\uc9c0\ubd88\ud558\ub294-\uae08\uc561\" class=\"wp-block-heading\" style=\"font-size:24px\"><strong>\uc5bc\ubc14\uc778 \ubc14\uc774\uc5b4\uac00 \uc9c0\ubd88\ud558\ub294 \uae08\uc561 <\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\ub9ce\uc740 \uc5b4\ubc14\uc778 \uad6c\ub9e4\uc790\ub4e4\uc740 HOA \uad00\ub9ac\ube44\uc640 \uba5c\ub85c-\ub8e8\uc2a4(Mello-Roos)\ub97c \ud569\uc0b0\ud588\uc744 \ub54c \ub9e4\uc6d4 \uc218\ubc31 \ub2ec\ub7ec\uc5d0\uc11c \ucc9c \ub2ec\ub7ec\ub97c \ud6cc\uca4d \ub118\ub294 \uae08\uc561\uc744 \uc9c0\ubd88\ud569\ub2c8\ub2e4. <br>\uadf8\ub807\uae30 \ub54c\ubb38\uc5d0 \ub9e4\uc218 \uc81c\uc548\uc744 \ud558\uae30 \uc804\uc5d0 \uad6c\ub9e4 \uac00\uaca9\ub9cc\uc744 \ubcf4\ub294 \ub370 \uadf8\uce58\uc9c0 \uc54a\uace0 \uc804\uccb4\uc801\uc778 \uc7ac\uc815 \uc0c1\ud669\uc744 \ud30c\uc545\ud558\ub294 \uac83\uc774 \ub9e4\uc6b0 \uc911\uc694\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uadf8\ub807\ub2e4\uba74 \uc2e4\uc81c\ub85c\ub294 \uc5b4\ub5a8\uae4c\uc694? <br>\uc5bc\ubc14\uc778 \ub0b4 \ucd5c\uace0\uae09 \ub7ed\uc154\ub9ac \ub2e8\uc9c0\uc778 &#8216;\uc170\uc774\ub514 \uce90\ub144(Shady Canyon)&#8217;\uacfc \uc0c1\ub300\uc801\uc73c\ub85c \uc811\uadfc\uc131\uc774 \uc88b\uc740 \ucf58\ub3c4\u00b7\ud0c0\uc6b4\ud648 \ub2e8\uc9c0\uc778 &#8216;\uc624\ud06c \ud06c\ub9ad(Oak Creek)&#8217;\uc758 \uc0ac\ub840\ub97c \ud1b5\ud574, <br>\uc9c0\uc5ed\uacfc \uc8fc\ud0dd \uc720\ud615\uc5d0 \ub530\ub77c \uc774\ub7ec\ud55c \ube44\uc6a9 \uad6c\uc870\uac00 \uc5b4\ub5bb\uac8c \ub2ec\ub77c\uc9c0\ub294\uc9c0 \ube44\uad50\ud574 \ubcf4\uaca0\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<section class=\"loaning-irvine-cost-cards\">\n\n  <!-- Card 1 -->\n  <article class=\"loaning-irvine-cost-card\">\n    <div class=\"loaning-irvine-cost-card-header\">\n      <span class=\"loaning-irvine-cost-card-number\">01<\/span>\n      <div>\n        <h3>\uace0\uac00 \uc9c0\uc5ed: Shady Canyon<\/h3>\n        <p>Luxury gated community \u00b7 Reported HOA $700\u2013$900+\/mo<\/p>\n      <\/div>\n    <\/div>\n\n    <div class=\"loaning-irvine-cost-card-body\">\n      <p>\n        Shady Canyon\uc740 Irvine \uc548\uc5d0\uc11c\ub3c4 \uace0\uac00 \uc8fc\ud0dd\uc774 \ub9ce\uc740 \ub7ed\uc154\ub9ac gated community\ub85c \ubd84\ub958\ub429\ub2c8\ub2e4.\n        \uacf5\uac1c \uc790\ub8cc\uc5d0\uc11c\ub294 \ub300\ud615 estate \uae30\uc900 HOA dues\uac00 \uc6d4 $700\u2013$900 \uc218\uc900\uc73c\ub85c \uc5b8\uae09\ub418\uba70,\n        \uc2e4\uc81c \ub9e4\ubb3c \uc0ac\ub840\uc5d0\uc11c\ub3c4 Shady Canyon Community Association HOA fee\uac00 \uc6d4 $805\ub85c \ud45c\uc2dc\ub41c \uc0ac\ub840\uac00 \uc788\uc2b5\ub2c8\ub2e4.\n      <\/p>\n\n      <p>\n        \ub2e4\ub9cc \uc774\ub294 \uc9c0\uc5ed \uc804\uccb4\uc758 \uacf5\uc2dd \ud3c9\uade0\uac12\uc774 \uc544\ub2c8\ub77c \uacf5\uac1c \ub9e4\ubb3c\u00b7\uc9c0\uc5ed \uc124\uba85 \uae30\uc900\uc758 \uc0ac\ub840\uc131 \uc218\uce58\uc785\ub2c8\ub2e4.\n        \uac19\uc740 Shady Canyon \uc548\uc5d0\uc11c\ub3c4 \uc8fc\ud0dd \ud06c\uae30, lot, membership, HOA \uad6c\uc870, parcel\ubcc4 \uc138\uae08 \ud56d\ubaa9\uc5d0 \ub530\ub77c \uc2e4\uc81c \uc6d4 \ubd80\ub2f4\uc740 \ub2ec\ub77c\uc9c8 \uc218 \uc788\uc2b5\ub2c8\ub2e4.\n      <\/p>\n    <\/div>\n\n    <div class=\"loaning-irvine-cost-checklist\">\n      <h4>\ube44\uc6a9 \uad6c\uc870 \uccb4\ud06c<\/h4>\n      <ul>\n        <li><strong>HOA:<\/strong> \uacf5\uac1c \uc790\ub8cc \uae30\uc900 \uc6d4 $700\u2013$900+ \uc0ac\ub840 \ud655\uc778<\/li>\n        <li><strong>Mello-Roos:<\/strong> \ud3c9\uade0\uac12\ubcf4\ub2e4 parcel\ubcc4 tax bill \ud655\uc778 \ud544\uc694<\/li>\n        <li><strong>\ud3ec\ud568 \uac00\ub2a5 \ud56d\ubaa9:<\/strong> gate, security, \uacf5\uc6a9 \uc870\uacbd, pool, tennis, clubhouse, exercise room<\/li>\n        <li><strong>\uc8fc\uc758\uc810:<\/strong> club membership, insurance, property tax\uae4c\uc9c0 \ud569\uc0b0\ud574 true carrying cost \ud655\uc778<\/li>\n      <\/ul>\n    <\/div>\n  <\/article>\n\n  <!-- Card 2 -->\n  <article class=\"loaning-irvine-cost-card\">\n    <div class=\"loaning-irvine-cost-card-header\">\n      <span class=\"loaning-irvine-cost-card-number\">02<\/span>\n      <div>\n        <h3>\uc0c1\ub300\uc801\uc73c\ub85c \uc800\ub834\ud55c \uc9c0\uc5ed: Oak Creek<\/h3>\n        <p>Condos \u00b7 Townhomes \u00b7 Published HOA around $300\u2013$500+\/mo<\/p>\n      <\/div>\n    <\/div>\n\n    <div class=\"loaning-irvine-cost-card-body\">\n      <p>\n        Oak Creek\uc740 Irvine \uc548\uc5d0\uc11c \uc0c1\ub300\uc801\uc73c\ub85c \uc811\uadfc \uac00\ub2a5\ud55c \ucf58\ub3c4\uc640 \ud0c0\uc6b4\ud648 \uc120\ud0dd\uc9c0\uac00 \ubcf4\uc774\ub294 \uc9c0\uc5ed\uc785\ub2c8\ub2e4.\n        \uacf5\uac1c \uc790\ub8cc\uc5d0\uc11c\ub294 Oak Creek HOA fees\uac00 \uc6d4 $400\uc744 \ub118\ub294 \uacbd\uc6b0\uac00 \ub4dc\ubb3c\ub2e4\uace0 \uc124\uba85\ub418\uba70,\n        \ub2e4\ub978 2026\ub144 \uc9c0\uc5ed \uac00\uc774\ub4dc\uc5d0\uc11c\ub294 layered HOA \uad6c\uc870 \uae30\uc900 \ucd1d \uc6d4 dues\uac00 $300\u2013$500+\uac00 \ub420 \uc218 \uc788\ub2e4\uace0 \uc124\uba85\ud569\ub2c8\ub2e4.\n      <\/p>\n\n      <p>\n        Oak Creek Village\ub294 15\uac1c sub-associations\uc640 \uc77c\ubd80 additional assessment \uad6c\uc870\uac00 \uc788\ub294 master-planned community\uc785\ub2c8\ub2e4.\n        \ub530\ub77c\uc11c \ub0ae\uc544 \ubcf4\uc774\ub294 \ub9e4\ubb3c \uac00\uaca9\ub9cc \ubcf4\uae30\ubcf4\ub2e4, master HOA\uc640 sub-association \ube44\uc6a9\uc744 \ud569\uc0b0\ud574 \uc2e4\uc81c \uc6d4 \ube44\uc6a9\uc744 \ud655\uc778\ud558\ub294 \uac83\uc774 \uc911\uc694\ud569\ub2c8\ub2e4.\n      <\/p>\n    <\/div>\n\n    <div class=\"loaning-irvine-cost-checklist\">\n      <h4>\ube44\uc6a9 \uad6c\uc870 \uccb4\ud06c<\/h4>\n      <ul>\n        <li><strong>HOA:<\/strong> \uacf5\uac1c \uc790\ub8cc \uae30\uc900 \uc6d4 $300\u2013$500+ \ub610\ub294 $400 \uc774\ud558 \uc0ac\ub840 \uc5b8\uae09<\/li>\n        <li><strong>Mello-Roos:<\/strong> mature \ub610\ub294 near payoff\ub85c \uc124\uba85\ub418\ub294 \uc790\ub8cc\uac00 \uc788\uc73c\ub098 \uc8fc\uc18c\ubcc4 \ud655\uc778 \ud544\uc694<\/li>\n        <li><strong>\ud3ec\ud568 \uac00\ub2a5 \ud56d\ubaa9:<\/strong> pool, spa, tennis, basketball court, parks, barbecue area, walking paths<\/li>\n        <li><strong>\uc8fc\uc758\uc810:<\/strong> master HOA\uc640 sub-association\uc774 \ud568\uaed8 \uc788\ub294\uc9c0 \ubc18\ub4dc\uc2dc \ud655\uc778<\/li>\n      <\/ul>\n    <\/div>\n  <\/article>\n\n<\/section>\n\n<p class=\"loaning-irvine-cost-note\">\n  cf. Sources: Homes.com Oak Creek Neighborhood Guide; SoCalHomeFix Oak Creek 2026 Guide; Daftarian Group Shady Canyon Guide; Zillow Shady Canyon listing example; Orange County Treasurer-Tax Collector Mello-Roos Information. HOA dues and Mello-Roos vary by property, parcel, HOA structure, amenities, and tax bill. Buyers should verify current listing data, HOA documents, property tax bills, and lender estimates before making an offer.\n<\/p>\n\n<style>\n  .loaning-irvine-cost-cards {\n    width: 100%;\n    max-width: 980px;\n    margin: 28px auto 10px;\n    display: grid;\n    grid-template-columns: repeat(2, minmax(0, 1fr));\n    gap: 16px;\n    font-family: 'Pretendard', -apple-system, BlinkMacSystemFont, 'Apple SD Gothic Neo', sans-serif;\n    box-sizing: border-box;\n  }\n\n  .loaning-irvine-cost-card {\n    position: relative;\n    overflow: hidden;\n    border-radius: 18px;\n    padding: 20px;\n    color: #073b2b;\n    background: #ffffff;\n    border: 1px solid rgba(34, 201, 101, 0.24);\n    box-shadow:\n      0 12px 28px rgba(15, 23, 42, 0.055),\n      0 3px 8px rgba(15, 23, 42, 0.03);\n    box-sizing: border-box;\n  }\n\n  .loaning-irvine-cost-card::before {\n    content: \"\";\n    position: absolute;\n    width: 260px;\n    height: 260px;\n    top: -108px;\n    right: -84px;\n    border-radius: 50%;\n    background:\n      radial-gradient(\n        circle,\n        rgba(34, 201, 101, 0.46) 0%,\n        rgba(34, 201, 101, 0.34) 30%,\n        rgba(34, 201, 101, 0.18) 54%,\n        rgba(34, 201, 101, 0.06) 72%,\n        rgba(34, 201, 101, 0) 86%\n      );\n    filter: blur(1px);\n    pointer-events: none;\n    z-index: 0;\n  }\n\n  .loaning-irvine-cost-card::after {\n    content: \"\";\n    position: absolute;\n    inset: 0;\n    background:\n      linear-gradient(\n        135deg,\n        rgba(255, 255, 255, 0.99) 0%,\n        rgba(255, 255, 255, 0.96) 48%,\n        rgba(255, 255, 255, 0.8) 100%\n      );\n    pointer-events: none;\n    z-index: 0;\n  }\n\n  .loaning-irvine-cost-card-header,\n  .loaning-irvine-cost-card-body,\n  .loaning-irvine-cost-checklist {\n    position: relative;\n    z-index: 1;\n  }\n\n  .loaning-irvine-cost-card-header {\n    display: flex;\n    gap: 11px;\n    align-items: flex-start;\n    margin-bottom: 14px;\n  }\n\n  .loaning-irvine-cost-card-number {\n    width: 30px;\n    height: 30px;\n    border-radius: 50%;\n    flex: 0 0 30px;\n    display: inline-flex;\n    align-items: center;\n    justify-content: center;\n    background: #22c965;\n    border: 1px solid #22c965;\n    color: #ffffff;\n    font-size: 12px;\n    line-height: 1;\n    font-weight: 700;\n    box-shadow: 0 4px 10px rgba(34, 201, 101, 0.18);\n  }\n\n  .loaning-irvine-cost-card h3 {\n    margin: 0 0 4px;\n    font-size: 20px;\n    line-height: 1.22;\n    font-weight: 800;\n    letter-spacing: -0.02em;\n    color: #073b2b;\n  }\n\n  .loaning-irvine-cost-card-header p {\n    margin: 0;\n    font-size: 12.5px;\n    line-height: 1.45;\n    color: #66736d;\n    font-weight: 400;\n  }\n\n  .loaning-irvine-cost-card-body {\n    background: rgba(255, 255, 255, 0.94);\n    border: 1px solid #e3efe8;\n    border-radius: 13px;\n    padding: 13px 14px;\n    box-shadow: 0 4px 10px rgba(15, 23, 42, 0.025);\n  }\n\n  .loaning-irvine-cost-card-body p {\n    margin: 0;\n    font-size: 13.5px;\n    line-height: 1.65;\n    color: #4b5563;\n    font-weight: 400;\n    word-break: keep-all;\n  }\n\n  .loaning-irvine-cost-card-body p + p {\n    margin-top: 9px;\n  }\n\n  .loaning-irvine-cost-checklist {\n    background: rgba(255, 255, 255, 0.94);\n    border: 1px solid #e3efe8;\n    border-radius: 13px;\n    padding: 12px 14px;\n    margin-top: 9px;\n    box-shadow: 0 4px 10px rgba(15, 23, 42, 0.025);\n  }\n\n  .loaning-irvine-cost-checklist h4 {\n    margin: 0 0 7px;\n    font-size: 13.5px;\n    line-height: 1.35;\n    font-weight: 800;\n    color: #073b2b;\n  }\n\n  .loaning-irvine-cost-checklist ul {\n    margin: 0;\n    padding-left: 18px;\n  }\n\n  .loaning-irvine-cost-checklist li {\n    margin: 4px 0;\n    font-size: 13px;\n    line-height: 1.45;\n    color: #4b5563;\n    font-weight: 400;\n  }\n\n  .loaning-irvine-cost-checklist strong {\n    color: #073b2b;\n    font-weight: 800;\n  }\n\n  .loaning-irvine-cost-note {\n    width: 100%;\n    max-width: 980px;\n    margin: 6px auto 40px !important;\n    color: #6b7280 !important;\n    font-family: 'Pretendard', -apple-system, BlinkMacSystemFont, 'Apple SD Gothic Neo', sans-serif;\n    font-size: 8.8px !important;\n    line-height: 1.45 !important;\n    font-weight: 400 !important;\n    text-align: left !important;\n    letter-spacing: -0.01em;\n  }\n\n  @media (max-width: 760px) {\n    .loaning-irvine-cost-cards {\n      max-width: 100%;\n      margin: 24px auto 10px;\n      grid-template-columns: 1fr;\n      gap: 14px;\n    }\n\n    .loaning-irvine-cost-card {\n      padding: 17px;\n      border-radius: 17px;\n    }\n\n    .loaning-irvine-cost-card::before {\n      width: 210px;\n      height: 210px;\n      top: -82px;\n      right: -76px;\n    }\n\n    .loaning-irvine-cost-card h3 {\n      font-size: 19px;\n    }\n\n    .loaning-irvine-cost-card-header p {\n      font-size: 12.5px;\n    }\n\n    .loaning-irvine-cost-card-body p {\n      font-size: 13px;\n      line-height: 1.6;\n    }\n\n    .loaning-irvine-cost-checklist h4 {\n      font-size: 13px;\n    }\n\n    .loaning-irvine-cost-checklist li {\n      font-size: 12.8px;\n    }\n\n    .loaning-irvine-cost-note {\n      max-width: 100%;\n      margin-top: 8px !important;\n      margin-bottom: 34px !important;\n      font-size: 9px !important;\n      line-height: 1.45 !important;\n    }\n  }\n<\/style>\n\n\n\n<p class=\"has-white-color has-text-color has-link-color wp-elements-8 wp-block-paragraph\">.<\/p>\n\n\n\n<p class=\"has-white-color has-text-color has-link-color wp-elements-9 wp-block-paragraph\">.<\/p>\n\n\n\n<p class=\"has-white-color has-text-color has-link-color wp-elements-10 wp-block-paragraph\">.<\/p>\n\n\n\n<h2 id=\"h-2026-\ucd5c\uc2e0-\uc5bc\ubc14\uc778-\uc138\uae08-\ud61c\ud0dd\" class=\"wp-block-heading\" style=\"font-size:24px\"><strong><strong>2026 \ucd5c\uc2e0 \uc5bc\ubc14\uc778 \uc138\uae08 \ud61c\ud0dd <\/strong><\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\uc5bc\ubc14\uc778\uc5d0\uc11c \ub0b4\uc9d1\uc744 \ub9c8\ub828\ud560 \uc608\uc815\uc774\ub77c\uba74 \ub2e4\uc591\ud55c \uc138\uae08 \ud61c\ud0dd\uc744 \ub204\ub9b4 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ud83e\udd29<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">2026\ub144\uc5d0\ub294 \ud2b9\ud788 SALT(\uc8fc \ubc0f \uc9c0\ubc29\uc138) \uacf5\uc81c \ud55c\ub3c4 \uc0c1\ud5a5, \ubaa8\uae30\uc9c0 \uc774\uc790 \uacf5\uc81c \uc720\uc9c0, \uadf8\ub9ac\uace0 \ubaa8\uae30\uc9c0 \ubcf4\ud5d8\ub8cc(PMI) \uacf5\uc81c \uc7ac\ub3c4\uc785 \uc18c\uc2dd\uc744 \ub9d0\uc500\ub4dc\ub9b4 \uc218 \uc788\uc5b4\uc694. <br>\uc5bc\ubc14\uc778\uc740 \uc7ac\uc0b0\uc138\uc640 \uc8fc \uc18c\ub4dd\uc138\ubfd0\ub9cc \uc544\ub2c8\ub77c HOA(\uad00\ub9ac\ube44)\uc640 \uba5c\ub85c\ub8e8\uc2a4(\ud2b9\ubcc4\uc138)\uae4c\uc9c0 \ub354\ud574\uc838 \uc2e4\uc81c \uc8fc\uac70 \ube44\uc6a9\uc5d0 \uc801\uc9c0 \uc54a\uc740 \uc601\ud5a5\uc744 \ubbf8\uce58\uae30 \ub54c\ubb38\uc5d0, \uc774\ub7ec\ud55c \uc138\uc81c \ud61c\ud0dd\uc758 \uc911\uc694\uc131\uc774 \ub354\uc6b1 \ud07d\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ubb3c\ub860, \uc9d1\uacfc \uad00\ub828\ub41c \ubaa8\ub4e0 \ube44\uc6a9\uc744 \uacf5\uc81c\ubc1b\uc744 \uc218 \uc788\ub294 \uac83\uc740 \uc5b4\ub824\uc6cc\uc694.<br>\uc608\ub97c \ub4e4\uc5b4 \uc2e4\uc81c \uac70\uc8fc\ud558\ub294 \uc9d1\uc758 HOA\ub294 \uc77c\ubc18\uc801\uc73c\ub85c \uc138\uae08 \uacf5\uc81c \ub300\uc0c1\uc774 \uc544\ub2c8\uace0, \uba5c\ub85c\ub8e8\uc2a4 \uc5ed\uc2dc \uc9d5\uc218\ub41c \uc138\uae08\uc774 \uad6c\uccb4\uc801\uc73c\ub85c \uc5b4\ub514\uc5d0 \uc4f0\uc774\ub294\uc9c0, \uc7ac\uc0b0\uc138 \uace0\uc9c0\uc11c\uc5d0 \uc5b4\ub5bb\uac8c \uba85\uc2dc\ub418\uc5b4 \uc788\ub294\uc9c0\uc5d0 \ub530\ub77c \uc81c\ud55c\uc801\uc73c\ub85c\ub9cc \uacf5\uc81c\uac00 \uac00\ub2a5\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ub530\ub77c\uc11c \uc5ec\ub7ec \uc9c0\uc5ed\uacfc \ub9e4\ubb3c\uc744 \ube44\uad50\ud560 \ub54c\ub294 \ub9e4\ub2ec \uc2e4\uc81c\ub85c \ub0a9\ubd80\ud574\uc57c \ud558\ub294 &#8216;\uc6d4\ubcc4 \uc720\uc9c0 \ube44\uc6a9&#8217;\uacfc \ud5a5\ud6c4 \ub3cc\ub824\ubc1b\uc744 \uc218 \uc788\ub294 &#8216;\uc7a0\uc7ac\uc801\uc778 \uc138\uae08 \uacf5\uc81c \ud61c\ud0dd&#8217;\uc744 \ub3d9\uc2dc\uc5d0 \uaf3c\uaf3c\ud788 \ub530\uc838\ubcf4\uc138\uc694. <\/p>\n\n\n\n<div class=\"loaning-tax-table-block\">\n  <h3 class=\"loaning-tax-table-title\">\n    2026 Irvine Homebuyer Tax Snapshot\n  <\/h3>\n\n  <div class=\"loaning-tax-table-card\">\n    <table class=\"loaning-tax-table\">\n      <tbody>\n        <tr>\n          <td data-label=\"Tax Item\">SALT deduction cap<\/td>\n          <td data-label=\"2026 Update\">\ud56d\ubaa9\ubcc4 \uacf5\uc81c \uc120\ud0dd \uc2dc \uc790\uaca9 \uc694\uac74\uc5d0 \ub530\ub77c \ucd5c\ub300 $40,400\uae4c\uc9c0 \uacf5\uc81c \uac00\ub2a5<\/td>\n        <\/tr>\n\n        <tr>\n          <td data-label=\"Tax Item\">Mortgage interest deduction<\/td>\n          <td data-label=\"2026 Update\">\uc790\uaca9 \uc694\uac74\uc744 \ucda9\uc871\ud558\ub294 \ubaa8\uae30\uc9c0 \uc774\uc790\ub294 \uc5f0\ubc29 \ud55c\ub3c4 \ub0b4\uc5d0\uc11c \uacf5\uc81c \uac00\ub2a5<\/td>\n        <\/tr>\n\n        <tr>\n          <td data-label=\"Tax Item\">Mortgage insurance \/ PMI<\/td>\n          <td data-label=\"2026 Update\">2026\ub144 \uacfc\uc138\uc5f0\ub3c4\ubd80\ud130 mortgage insurance premiums\uac00 \ub2e4\uc2dc \uacf5\uc81c \ub300\uc0c1\uc774 \ub420 \uc218 \uc788\uc74c<\/td>\n        <\/tr>\n\n        <tr>\n          <td data-label=\"Tax Item\">Mello-Roos assessments<\/td>\n          <td data-label=\"2026 Update\">\uc81c\ud55c\uc801\uc778 \uacbd\uc6b0\uc5d0\ub9cc \uacf5\uc81c \uac00\ub2a5\ud560 \uc218 \uc788\uc73c\ubbc0\ub85c \uc138\ubb34 \uc804\ubb38\uac00 \ud655\uc778 \ud544\uc694<\/td>\n        <\/tr>\n\n        <tr>\n          <td data-label=\"Tax Item\">HOA fees<\/td>\n          <td data-label=\"2026 Update\">\uc8fc \uac70\uc8fc\uc9c0 \uae30\uc900\uc73c\ub85c\ub294 \uc77c\ubc18\uc801\uc73c\ub85c \uacf5\uc81c \ub300\uc0c1\uc774 \uc544\ub2d8<\/td>\n        <\/tr>\n      <\/tbody>\n    <\/table>\n  <\/div>\n\n  <p class=\"loaning-tax-table-note\">\n    cf. Tax rules vary by filing status, income, loan type, and whether you itemize deductions. This is general information only, not tax advice.\n  <\/p>\n<\/div>\n\n<style>\n  .loaning-tax-table-block {\n    width: 100%;\n    max-width: 760px;\n    margin: 28px auto 40px;\n    font-family: 'Pretendard', -apple-system, BlinkMacSystemFont, 'Apple SD Gothic Neo', sans-serif;\n    box-sizing: border-box;\n  }\n\n  .loaning-tax-table-title {\n    margin: 0 0 16px;\n    color: #1f2937;\n    font-size: 22px;\n    line-height: 1.35;\n    font-weight: 800;\n    letter-spacing: -0.02em;\n  }\n\n  .loaning-tax-table-card {\n    width: 100%;\n    margin: 0 auto;\n    overflow: hidden;\n    border-radius: 18px;\n    border: 1px solid #d7efe1;\n    background: #ffffff;\n    box-shadow:\n      0 12px 28px rgba(15, 23, 42, 0.055),\n      0 3px 8px rgba(15, 23, 42, 0.03);\n    box-sizing: border-box;\n  }\n\n  .loaning-tax-table {\n    width: 100% !important;\n    min-width: 100% !important;\n    max-width: 100% !important;\n    margin: 0 !important;\n    padding: 0 !important;\n    border-collapse: collapse !important;\n    border-spacing: 0 !important;\n    table-layout: fixed !important;\n    background: #ffffff;\n    box-sizing: border-box;\n  }\n\n  .loaning-tax-table tbody td {\n    background: #ffffff;\n    color: #374151;\n    font-size: 15px;\n    line-height: 1.45;\n    font-weight: 400;\n    text-align: left;\n    padding: 15px 16px;\n    border-bottom: 1px solid #edf2f0;\n    white-space: normal;\n    word-break: keep-all;\n    box-sizing: border-box;\n  }\n\n  .loaning-tax-table tbody tr:last-child td {\n    border-bottom: none;\n  }\n\n  .loaning-tax-table tbody td:not(:last-child) {\n    border-right: 1px solid #edf2f0;\n  }\n\n  .loaning-tax-table tbody td:first-child {\n    width: 42%;\n    color: #334155;\n    font-weight: 500;\n  }\n\n  .loaning-tax-table tbody td:nth-child(2) {\n    width: 58%;\n    color: #073b2b;\n    font-size: 13px;\n    line-height: 1.35;\n    font-weight: 400;\n    white-space: nowrap;\n    overflow: hidden;\n    text-overflow: ellipsis;\n  }\n\n  .loaning-tax-table tbody tr:nth-child(even) td {\n    background: #fbfdfc;\n  }\n\n  .loaning-tax-table-note {\n    max-width: 760px;\n    margin: 6px auto 0 !important;\n    color: #6b7280 !important;\n    font-size: 8.8px !important;\n    line-height: 1.45 !important;\n    font-weight: 400 !important;\n    text-align: left !important;\n    letter-spacing: -0.01em;\n  }\n\n  @media (max-width: 640px) {\n    .loaning-tax-table-block {\n      max-width: 100%;\n      margin: 24px auto 34px;\n    }\n\n    .loaning-tax-table-title {\n      font-size: 19px;\n      margin-bottom: 14px;\n    }\n\n    .loaning-tax-table-card {\n      border: none;\n      border-radius: 0;\n      box-shadow: none;\n      background: transparent;\n      overflow: visible;\n    }\n\n    .loaning-tax-table {\n      display: block !important;\n      width: 100% !important;\n      min-width: 0 !important;\n      background: transparent;\n    }\n\n    .loaning-tax-table tbody {\n      display: grid;\n      gap: 12px;\n      width: 100%;\n    }\n\n    .loaning-tax-table tbody tr {\n      display: block;\n      width: 100%;\n      background: #ffffff;\n      border: 1px solid #d7efe1;\n      border-radius: 16px;\n      overflow: hidden;\n      box-shadow: 0 8px 20px rgba(15, 23, 42, 0.05);\n    }\n\n    .loaning-tax-table tbody td {\n      display: flex;\n      justify-content: space-between;\n      align-items: flex-start;\n      gap: 16px;\n      width: 100% !important;\n      padding: 12px 14px;\n      border-right: none !important;\n      border-bottom: 1px solid #edf2f0;\n      font-size: 13.5px;\n      line-height: 1.45;\n      box-sizing: border-box;\n    }\n\n    .loaning-tax-table tbody td:last-child {\n      border-bottom: none;\n    }\n\n    .loaning-tax-table tbody td::before {\n      content: attr(data-label);\n      flex: 0 0 44%;\n      max-width: 44%;\n      color: #6b7280;\n      font-weight: 600;\n    }\n\n    .loaning-tax-table tbody td:first-child {\n      background: #22c965;\n      color: #ffffff;\n      font-weight: 700;\n    }\n\n    .loaning-tax-table tbody td:first-child::before {\n      color: #ffffff;\n      font-weight: 700;\n    }\n\n    .loaning-tax-table tbody td:nth-child(2) {\n      color: #073b2b;\n      font-size: 12px;\n      line-height: 1.4;\n      font-weight: 400;\n      white-space: nowrap;\n      overflow: hidden;\n      text-overflow: ellipsis;\n    }\n\n    .loaning-tax-table-note {\n      margin-top: 8px !important;\n      font-size: 9px !important;\n      line-height: 1.45 !important;\n    }\n  }\n<\/style>\n\n\n\n<div class=\"loaning-advantage-box\">\n  <h3>2026 Irvine Homebuyer Advantage<\/h3>\n\n  <p>\n    <strong>Higher-cost markets may make itemizing worth a closer look:<\/strong>\n    Irvine\uc5d0\uc11c\ub294 \uc7ac\uc0b0\uc138\uc640 \ubaa8\uae30\uc9c0 \uc774\uc790\uac00 \uc0c1\ub2f9\ud560 \uc218 \uc788\uae30 \ub54c\ubb38\uc5d0, \ubc14\uc774\uc5b4\ub294 \ud45c\uc900\uacf5\uc81c\uc640 \ud56d\ubaa9\ubcc4 \uacf5\uc81c\ub97c \ube44\uad50\ud574\ubcfc \ud544\uc694\uac00 \uc788\uc2b5\ub2c8\ub2e4.\n    <strong><br>Lower down payment buyers may have more flexibility:<\/strong>\n    mortgage insurance\uac00 \uc801\uc6a9\ub418\ub294 \uacbd\uc6b0, \ubcf5\uc6d0\ub41c PMI \uacf5\uc81c\uac00 20% \ubbf8\ub9cc \ub2e4\uc6b4\ud398\uc774\uba3c\ud2b8\ub85c \uc8fc\ud0dd\uc744 \uad6c\ub9e4\ud560 \ub54c \uc138\ud6c4 \ube44\uc6a9\uc744 \ub0ae\ucd94\ub294 \ub370 \ub3c4\uc6c0\uc774 \ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4.\n    <strong><br>After-tax cost matters more than sticker price:<\/strong>\n    HOA fees \ub610\ub294 Mello-Roos\uac00 \uc788\ub294 \uc8fc\ud0dd\ub3c4 \uc138\uae08 \ud61c\ud0dd, \ub300\ucd9c \uad6c\uc870, \uc7a5\uae30\uc801\uc778 affordability\ub97c \ud568\uaed8 \uac80\ud1a0\ud558\uba74 \uc2e4\uc81c \ubd80\ub2f4\uc774 \ub2e4\ub974\uac8c \ubcf4\uc77c \uc218 \uc788\uc2b5\ub2c8\ub2e4.\n  <\/p>\n<\/div>\n\n<style>\n  .loaning-advantage-box {\n    width: 100%;\n    max-width: 760px;\n    margin: 28px auto 40px;\n    padding: 20px 22px;\n    border-radius: 18px;\n    background: #fff9db;\n    border: 1px solid #f4e7a1;\n    box-shadow:\n      0 10px 24px rgba(15, 23, 42, 0.045),\n      0 3px 8px rgba(15, 23, 42, 0.025);\n    font-family: 'Pretendard', -apple-system, BlinkMacSystemFont, 'Apple SD Gothic Neo', sans-serif;\n    box-sizing: border-box;\n  }\n\n  .loaning-advantage-box h3 {\n    margin: 0 0 12px;\n    color: #1f2937;\n    font-size: 21px;\n    line-height: 1.35;\n    font-weight: 800;\n    letter-spacing: -0.02em;\n  }\n\n  .loaning-advantage-box p {\n    margin: 0;\n    color: #374151;\n    font-size: 15px;\n    line-height: 1.65;\n    font-weight: 400;\n  }\n\n  .loaning-advantage-box strong {\n    color: #1f2937;\n    font-weight: 800;\n  }\n\n  @media (max-width: 640px) {\n    .loaning-advantage-box {\n      max-width: 100%;\n      margin: 24px auto 34px;\n      padding: 17px 18px;\n      border-radius: 16px;\n    }\n\n    .loaning-advantage-box h3 {\n      font-size: 19px;\n      margin-bottom: 10px;\n    }\n\n    .loaning-advantage-box p {\n      font-size: 13.5px;\n      line-height: 1.6;\n    }\n  }\n<\/style>\n\n\n\n<p class=\"has-white-color has-text-color has-link-color wp-elements-11 wp-block-paragraph\">.<\/p>\n\n\n\n<h2 id=\"h-\uc5bc\ubc14\uc778-\uc9d1\uac12-\uc2fc\uacf3-2026-faqs\" class=\"wp-block-heading\" style=\"font-size:24px\"><strong>\uc5bc\ubc14\uc778 \uc9d1\uac12 \uc2fc\uacf3 2026 : FAQs<\/strong><\/h2>\n\n\n\n<div style=\"\n  background-color:#F8F9FA;\n  border-radius:16px;\n  padding:18px 22px;\n  margin:16px 0;\n  font-size:15px;\n  line-height:1.7;\n  color:#333333;\n  font-family:inherit;\n\">\n  <div style=\"margin-bottom:8px;\">\n    <strong style=\"color:#0073cf; margin-right:6px;\">Q.<\/strong>\n    <strong>\uc5bc\ubc14\uc778\uc5d0\uc11c \uccab \uc8fc\ud0dd\uc744 \uad6c\ub9e4\ud558\uae30\uc5d0 \uc88b\uc740 \uc2dc\uae30\ub294 \uc5b8\uc81c\uc778\uac00\uc694?<\/strong>\n  <\/div>\n  <div>\n    <strong style=\"color:#10b981; margin-right:6px;\">A.<\/strong>\n2026\ub144 \uc5bc\ubc14\uc778 \uad6c\ub9e4\uc790\ub4e4\uc744 \uc704\ud55c \uc2dc\uc7a5 \uc0c1\ud669\uc740 \uc548\uc815\uc801\uc778 \uac00\uaca9 \ucd94\uc138\uc640 \uc77c\ubd80 \uc9c0\uc5ed\uc758 \ub9e4\ubb3c \uc99d\uac00\ub85c \uc778\ud574 \uc720\ub9ac\ud55c \uc9c4\uc785 \uae30\ud68c\ub97c \uc2dc\uc0ac\ud569\ub2c8\ub2e4.<\/br> Realtor.com\uc758 \ucd5c\uadfc \uc2dc\uc7a5 \ubd84\uc11d\uc5d0 \ub530\ub974\uba74, \uc5bc\ubc14\uc778\uc758 \uc8fc\ud0dd\uc740 \ub9e4\ub3c4 \ud76c\ub9dd \uac00\uaca9\uc758 98%\uc5d0 \uac70\ub798\ub418\uc5b4 \ubc14\uc774\uc5b4 \uc6b0\uc704 \uc2dc\uc7a5\uc784\uc744 \ub098\ud0c0\ub0c5\ub2c8\ub2e4.\n  <\/div>\n<\/div>\n\n\n\n<div style=\"\n  background-color:#F8F9FA;\n  border-radius:16px;\n  padding:18px 22px;\n  margin:16px 0;\n  font-size:15px;\n  line-height:1.7;\n  color:#333333;\n  font-family:inherit;\n\">\n  <div style=\"margin-bottom:8px;\">\n    <strong style=\"color:#0073cf; margin-right:6px;\">Q.<\/strong>\n    <strong>\uc5bc\ubc14\uc778\uc5d0\uc11c \ucd5c\uace0\uc758 \ubd80\ub3d9\uc0b0 \uc911\uac1c\uc778\uc744 \ucc3e\ub294 \ubc29\ubc95\uc740 \ubb34\uc5c7\uc778\uac00\uc694?<\/strong>\n  <\/div>\n  <div>\n    <strong style=\"color:#10b981; margin-right:6px;\">A.<\/strong>\n  \uc801\ud569\ud55c \uc911\uac1c\uc778\uc744 \ucc3e\ub294 \uac83\uc740 \uc9c0\uc5ed \uc2dc\uc7a5\uc744 \uc774\ud574\ud558\ub294 \uac83\uc5d0\uc11c \uc2dc\uc791\ub429\ub2c8\ub2e4. \uc804\ubb38\uac00\uc640 \uba74\ub2f4\ud560 \ub54c\ub294 \ubc18\ub4dc\uc2dc \uc544\ub798\uc640 \uac19\uc740 \ud575\uc2ec \uc9c8\ubb38\uc744 \ud574 \ubcf4\uc138\uc694. <\/br> \uc5bc\ubc14\uc778\uc5d0\uc11c \ucd5c\uadfc \uac70\ub798 \uacbd\ud5d8\uc774 \uc788\uace0, \uc88b\uc740 \ud3c9\uac00\ub97c \ubc1b\uc558\uc73c\uba70, \ubc14\uc774\uc5b4\ubd84\uc774 \ud76c\ub9dd\ud558\ub294 \uac00\uaca9\ub300\uc5d0 \ub300\ud55c \uc804\ubb38 \uc9c0\uc2dd\uc744 \uac16\ucd98 \uc911\uac1c\uc778\uc744 \ucc3e\uc73c\uc138\uc694. Loaning.ai\uc5d0 \ubb34\ub8cc \uce74\uce74\uc624\ud1a1\uc73c\ub85c \ubb38\uc758 \uc8fc\uc154\ub3c4 \uc88b\uc2b5\ub2c8\ub2e4. \n\n\n  <\/div>\n<\/div>\n\n\n\n<div style=\"\n  background-color:#F8F9FA;\n  border-radius:16px;\n  padding:18px 22px;\n  margin:16px 0;\n  font-size:15px;\n  line-height:1.7;\n  color:#333333;\n  font-family:inherit;\n\">\n  <div style=\"margin-bottom:8px;\">\n    <strong style=\"color:#0073cf; margin-right:6px;\">Q.<\/strong>\n    <strong>\uc5bc\ubc14\uc778 \ud648\ubc14\uc774\uc5b4\ub85c\uc11c \uac10\ub2f9\ud574\uc57c \ud558\ub294 \uc8fc\ud0dd \uac00\uaca9\uc740 \uc5bc\ub9c8\uc778\uac00\uc694?\n<\/strong>\n  <\/div>\n  <div>\n    <strong style=\"color:#10b981; margin-right:6px;\">A.<\/strong>\n\ubaa8\uae30\uc9c0 \uc2b9\uc778 \uae30\uc900\uc5d0\uc11c\ub294 \ub300\uac1c \ubd80\ucc44 \ub300\ube44 \uc18c\ub4dd \ube44\uc728\uc744 \ud1b5\ud574 \uac10\ub2f9 \uac00\ub2a5\ud55c \uae08\uc561\uc744 \uc0b0\uc815\ud558\uba70, \ub300\ucd9c \uae08\uc561 \uc678\uc5d0\ub3c4 \uc138\uae08, \ubcf4\ud5d8, \uc720\uc9c0 \uad00\ub9ac\ube44\ub97c \uc608\uc0b0\uc5d0 \ud3ec\ud568\uc2dc\ud0a4\ub294 \uac83\uc774 \uc911\uc694\ud569\ub2c8\ub2e4. Loaning.ai\uc758 Income Calculator\ub97c \ud65c\uc6a9\ud574 \uc6d4\ubcc4 \ube44\uc6a9\uc744 \ucd94\uc815\ud558\uace0 \ubd80\ub2f4 \uc5c6\ub294 \uac00\uaca9\ub300\ub97c \ucc3e\uc544 \ubcf4\uc138\uc694.\n\n\n\n\n  <\/div>\n<\/div>\n\n\n\n<p class=\"has-white-color has-text-color has-link-color wp-elements-12 wp-block-paragraph\">.<\/p>\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\/tools\/compare-rates?utm_source=blog_official&amp;utm_medium=loaning_kr&amp;utm_campaign=26_affordable_places_series&amp;utm_content=kr_irvine_home_price\" style=\"background-color:#49cf7e\"><strong>\ud83d\udc49 Check My Mortgage Rate<\/strong><\/a><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-media-text is-stacked-on-mobile\" style=\"grid-template-columns:85% auto\"><figure class=\"wp-block-media-text__media\"><a href=\"https:\/\/loaning.ai\/tools\/compare-rates?utm_source=blog_official&amp;utm_medium=loaning_kr&amp;utm_campaign=26_affordable_places_series&amp;utm_content=kr_irvine_home_price\"><img loading=\"lazy\" decoding=\"async\" width=\"961\" height=\"1024\" src=\"https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2026\/06\/kr_irvine_home_price_pros_cons-961x1024.png\" alt=\"\" class=\"wp-image-15478 size-full\" srcset=\"https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2026\/06\/kr_irvine_home_price_pros_cons-961x1024.png 961w, https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2026\/06\/kr_irvine_home_price_pros_cons-282x300.png 282w, https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2026\/06\/kr_irvine_home_price_pros_cons-768x818.png 768w, https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2026\/06\/kr_irvine_home_price_pros_cons-750x799.png 750w, https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2026\/06\/kr_irvine_home_price_pros_cons.png 1020w\" sizes=\"auto, (max-width: 961px) 100vw, 961px\" \/><\/a><\/figure><div class=\"wp-block-media-text__content\">\n<p class=\"has-white-color has-text-color has-link-color wp-elements-13 wp-block-paragraph\">.<\/p>\n<\/div><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Irvine \uc9c0\uc5ed\uc758 HOA \ube44\uc6a9\ubd80\ud130 \uba5c\ub85c-\ub8e8\uc2a4(Mello-Roos) \uc138\uae08, \ud559 \uc120\ud0dd\uc5d0 \uc774\ub974\uae30\uae4c\uc9c0, \uc8fc\ud0dd \uac00\uaca9\uc744 \ube44\uad50\ud558\uae30 \uc804\uc5d0 \ud655\uc778\ud574\uc57c \ud560 \uc0ac\ud56d\ub4e4\uc744 \ud55c\ubc88\uc5d0 \uc54c\ub824 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