{"id":15588,"date":"2026-07-14T18:24:46","date_gmt":"2026-07-14T09:24:46","guid":{"rendered":"https:\/\/blog.loaning.ai\/ko\/?p=15588"},"modified":"2026-07-14T19:43:06","modified_gmt":"2026-07-14T10:43:06","slug":"crosscountry-mortgage-%ec%98%a4%eb%8a%98%ec%9d%98-%eb%aa%a8%ea%b8%b0%ec%a7%80-%ea%b8%88%eb%a6%ac","status":"publish","type":"post","link":"https:\/\/blog.loaning.ai\/ko\/15588\/","title":{"rendered":"CrossCountry Mortgage \uc624\ub298\uc758 \ubaa8\uae30\uc9c0 \uae08\ub9ac"},"content":{"rendered":"\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\">CrossCountry Mortgage \ubaa8\uae30\uc9c0 \uae08\ub9ac VS Loaning.ai \ubaa8\uae30\uc9c0 \uae08\ub9ac<\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">\uc5b4\ub5a4 \uc120\ud0dd\uc774\ub4e0 \ube44\uad50 \ub300\uc0c1\uc774 \ub9ce\uc544\uc9c0\uba74 \ub354 \ub098\uc740 \uacb0\uacfc\ub97c \ub9de\uc774\ud560 \uac00\ub2a5\uc131\uc740 \ub192\uc544\uc9d1\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud504\ub808\ub514\ub9e5(Freddie Mac)\uc758 \uc5f0\uad6c \uacb0\uacfc\uac00 \uc774\ub97c \uba85\ud655\ud558\uac8c \ub4b7\ubc1b\uce68\ud574 \uc8fc\ub294\ub370\uc694,<br>\uc2e4\uc81c \ub370\uc774\ud130\uc5d0 \ub530\ub974\uba74 4\uacf3 \uc774\uc0c1\uc758 \ub80c\ub354\uc5d0\uac8c \ubaa8\uae30\uc9c0 \uacac\uc801\uc744 \ud655\uc778\ud55c \ud648\ubc14\uc774\uc5b4\ub294 \ud3c9\uade0 1,200\ub2ec\ub7ec \uc774\uc0c1\uc758 \ube44\uc6a9\uc744 \uc808\uc57d\ud588\ub2e4\uace0 \ud574\uc694.<br>\ub2e8 \ud558\ub098\uc758 \uc815\ubcf4\uc5d0 \ub9cc\uc871\ud558\uae30\ubcf4\ub2e4\ub294, \ub2e4\uac01\ub3c4\ub85c \uaf3c\uaf3c\ud558\uac8c \uc870\uac74\uc744 \uc0b4\ud3b4\ubd10\uc57c \ud558\ub294 \uc774\uc720\uac00 \ubc14\ub85c \uc5ec\uae30\uc5d0 \uc788\uc8e0.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud558\uc9c0\ub9cc \ubc14\uc05c \uc77c\uc0c1 \uc18d\uc5d0\uc11c \ubcf5\uc7a1\ud55c \ub80c\ub354\ub4e4\uc758 \uc870\uac74\uc744 \uc77c\uc77c\uc774 \ube44\uad50\ud558\ub294 \uac83\uc740 \uc0dd\uac01\ubcf4\ub2e4 \ub9c9\ub9c9\ud558\uace0 \ubc88\uac70\ub86d\uc8e0.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ubc14\uc774\uc5b4\ubd84\ub4e4\uc758 \ud604\uba85\ud55c \ubaa8\uae30\uc9c0 \uc1fc\ud551\uc744 \ub3d5\uae30 \uc704\ud574 Loaning.ai\uac00 \uc9c1\uc811 \ub098\uc130\uc2b5\ub2c8\ub2e4. <br>\uba3c\uc800 CrossCountry Mortgage\uc758 \uc8fc\uc694 \uc0c1\ud488\ubcc4 \uae08\ub9ac\ub97c \ud655\uc778\ud574 \ubcf4\uace0, \ub3d9\uc77c \uc870\uac74\uc5d0\uc11c Loaning.ai\uc758 \uae08\ub9ac\uc640 \uc2e4\uc81c \ube44\uc6a9 \uad6c\uc870\uac00 \uc5b4\ub5bb\uac8c \ucc28\uc774 \ub098\ub294\uc9c0 \uba85\ud655\ud558\uac8c \ube44\uad50\ud574 \ubcf4\uaca0\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"has-white-color has-text-color has-link-color wp-elements-1 wp-block-paragraph\">.<strong>At a glance<\/strong><\/p>\n\n\n\n<h2 id=\"h-crosscountry-mortgage-at-a-glance\" class=\"wp-block-heading\" style=\"font-size:24px\"><strong>CrossCountry Mortgage : At a glance<\/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    CrossCountry Mortgage\ub294 \uc88b\uc740 \ub300\uc548\uc774 \ub420 \uc218 \uc788\uc5b4\uc694. CCM\uc740 \ucd08\uae30 \uc0c1\ud658\uae08 \ubd80\ub2f4\uc744 \uc904\uc5ec\uc8fc\ub294 \ud55c\uc2dc\uc801 \uae08\ub9ac \uc778\ud558(BuyDown) \ud61c\ud0dd, \uc8fc\ud0dd \ub9e4\ub3c4\uc640 \ub9e4\uc218\ub97c \ub3d9\uc2dc\uc5d0 \uc9c4\ud589\ud560 \ub54c \uc720\uc6a9\ud55c \ube0c\ub9bf\uc9c0\ub860(Bridge loan), \ubaa8\uae30\uc9c0\ubcf4\ud5d8(PMI) \uba74\uc81c \ub300\ucd9c, \uadf8\ub9ac\uace0 \ucd08\uae30 \uc790\uae08 \uc9c0\uc6d0 \ud504\ub85c\uadf8\ub7a8 \ub4f1 \ub2e4\uc591\ud55c \uc194\ub8e8\uc158\uc744 \uc81c\uacf5\ud569\ub2c8\ub2e4.<\/br>\n  <\/div>\n<\/div>\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-crosscountry-mortgage\uc758-\uc624\ub298\uc758-\uae08\ub9ac-overview\" class=\"wp-block-heading\" style=\"font-size:24px\"><strong>CrossCountry Mortgage\uc758 \uc624\ub298\uc758 \uae08\ub9ac : Overview<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">CrossCountry Mortgage\ub294 \ud3b8\ub9ac\ud55c \uc628\ub77c\uc778 \uc2dc\uc2a4\ud15c\uacfc \uc9c0\uc5ed \ub300\ucd9c \uc0c1\ub2f4\uc0ac\ub97c \ud1b5\ud574 \uc8fc\ud0dd \uad6c\uc785 \ubc0f \ub300\ud658\ub300\ucd9c(\ub9ac\ud30c\uc774\ub0b8\uc2f1)\uc744 \uc81c\uacf5\ud558\ub294 \ubbf8\uad6d\uc758 \ub300\ud615 \ub300\ucd9c \uae30\uad00\uc785\ub2c8\ub2e4. \uace0\uc815 \ubc0f \ubcc0\ub3d9 \uae08\ub9ac \ubaa8\uae30\uc9c0\ub97c \ube44\ub86f\ud574 \uc810\ubcf4\ub860, FHA(\uc5f0\ubc29\uc8fc\ud0dd\uccad), USDA(\ub18d\ubb34\ubd80) \ubc0f VA(\ubcf4\ud6c8\ubd80) \ub300\ucd9c\uc744 \ucde8\uae09\ud558\uba70, \uc8fc\ud0dd\ub2f4\ubcf4 \ub9c8\uc774\ub108\uc2a4\ud1b5\uc7a5(HELOC), \ub9ac\ubaa8\ub378\ub9c1 \ub300\ucd9c, \uac74\ucd95 \ub300\ucd9c, \ube44\uc801\uaca9 \ubaa8\uae30\uc9c0(Non-QM) \ub4f1 \ub2e4\uc591\ud55c \uc0c1\ud488 \ub77c\uc778\uc5c5\uc744 \uac16\ucd94\uace0 \uc788\uc2b5\ub2c8\ub2e4. <\/p>\n\n\n\n<p class=\"has-small-font-size wp-block-paragraph\">(\uc2e4\uc81c \uc801\uc6a9\ub418\ub294 \uae08\ub9ac\uc640 \uc81c\ubc18 \ube44\uc6a9\uc740 \uc120\ud0dd\ud55c \ub300\ucd9c \ud504\ub85c\uadf8\ub7a8, \ub300\ucd9c\uc790\uc758 \uc790\uaca9 \uc694\uac74, \uadf8\ub9ac\uace0 \uc2dc\uc7a5 \uc0c1\ud669\uc5d0 \ub530\ub77c \ub2ec\ub77c\uc9d1\ub2c8\ub2e4.)<\/p>\n\n\n\n<section class=\"ccm-rate-section\">\n\n  <div class=\"ccm-rate-wrap\">\n\n    <!-- Fixed Rates -->\n    <section class=\"ccm-rate-group\">\n\n      <div class=\"ccm-rate-group-header\">\n\n        <h2 class=\"ccm-rate-group-title\">Fixed Rates<\/h2>\n\n        <p class=\"ccm-rate-group-description\">\n          These are standard fixed-rate options with no upfront discount\n          points. The borrower receives the listed rate without paying an\n          additional points cost to lower it.\n        <\/p>\n\n      <\/div>\n\n      <div class=\"ccm-rate-grid\">\n\n        <!-- 30-year fixed -->\n        <article class=\"ccm-rate-card\">\n\n          <div class=\"ccm-card-heading\">\n\n            <h3 class=\"ccm-product-title\">30-year fixed<\/h3>\n\n            <span class=\"ccm-product-badge\">\n              0 points\n            <\/span>\n\n          <\/div>\n\n          <div class=\"ccm-card-divider\"><\/div>\n\n          <div class=\"ccm-rate-list\">\n\n            <div class=\"ccm-rate-row\">\n              <span class=\"ccm-rate-label\">Rate<\/span>\n              <strong class=\"ccm-rate-value\">6.375%<\/strong>\n            <\/div>\n\n            <div class=\"ccm-rate-row\">\n              <span class=\"ccm-rate-label\">APR<\/span>\n              <strong class=\"ccm-rate-value\">6.478%<\/strong>\n            <\/div>\n\n            <div class=\"ccm-rate-row\">\n\n              <span class=\"ccm-rate-label\">Points \/ Cost<\/span>\n\n              <span class=\"ccm-rate-value-group\">\n                <strong class=\"ccm-rate-value\">0.000 points<\/strong>\n                <small>$0.00<\/small>\n              <\/span>\n\n            <\/div>\n\n            <div class=\"ccm-rate-row\">\n\n              <span class=\"ccm-rate-label\">Monthly payment<\/span>\n\n              <span class=\"ccm-rate-value-group\">\n                <strong class=\"ccm-rate-value\">$1,715.64<\/strong>\n                <small>Estimated principal and interest<\/small>\n              <\/span>\n\n            <\/div>\n\n          <\/div>\n\n        <\/article>\n\n\n        <!-- 15-year fixed -->\n        <article class=\"ccm-rate-card\">\n\n          <div class=\"ccm-card-heading\">\n\n            <h3 class=\"ccm-product-title\">15-year fixed<\/h3>\n\n            <span class=\"ccm-product-badge\">\n              0 points\n            <\/span>\n\n          <\/div>\n\n          <div class=\"ccm-card-divider\"><\/div>\n\n          <div class=\"ccm-rate-list\">\n\n            <div class=\"ccm-rate-row\">\n              <span class=\"ccm-rate-label\">Rate<\/span>\n              <strong class=\"ccm-rate-value\">5.625%<\/strong>\n            <\/div>\n\n            <div class=\"ccm-rate-row\">\n              <span class=\"ccm-rate-label\">APR<\/span>\n              <strong class=\"ccm-rate-value\">5.787%<\/strong>\n            <\/div>\n\n            <div class=\"ccm-rate-row\">\n\n              <span class=\"ccm-rate-label\">Points \/ Cost<\/span>\n\n              <span class=\"ccm-rate-value-group\">\n                <strong class=\"ccm-rate-value\">0.000 points<\/strong>\n                <small>$0.00<\/small>\n              <\/span>\n\n            <\/div>\n\n            <div class=\"ccm-rate-row\">\n\n              <span class=\"ccm-rate-label\">Monthly payment<\/span>\n\n              <span class=\"ccm-rate-value-group\">\n                <strong class=\"ccm-rate-value\">$2,265.26<\/strong>\n                <small>Estimated principal and interest<\/small>\n              <\/span>\n\n            <\/div>\n\n          <\/div>\n\n        <\/article>\n\n      <\/div>\n\n    <\/section>\n\n\n    <!-- Fixed-Rate Buydowns -->\n    <section class=\"ccm-rate-group\">\n\n      <div class=\"ccm-rate-group-header\">\n\n        <h2 class=\"ccm-rate-group-title\">Fixed-Rate Buydowns<\/h2>\n\n        <p class=\"ccm-rate-group-description\">\n          These options offer a lower interest rate in exchange for an upfront\n          payment at closing. In these examples, 2 points equal 2% of the\n          $275,000 loan amount, or $5,500.\n        <\/p>\n\n      <\/div>\n\n      <div class=\"ccm-rate-grid\">\n\n        <!-- 30-year fixed buydown -->\n        <article class=\"ccm-rate-card\">\n\n          <div class=\"ccm-card-heading\">\n\n            <h3 class=\"ccm-product-title\">30-year fixed<\/h3>\n\n            <span class=\"ccm-product-badge ccm-product-badge-buydown\">\n              2 points\n            <\/span>\n\n          <\/div>\n\n          <div class=\"ccm-card-divider\"><\/div>\n\n          <div class=\"ccm-rate-list\">\n\n            <div class=\"ccm-rate-row\">\n              <span class=\"ccm-rate-label\">Rate<\/span>\n              <strong class=\"ccm-rate-value\">6.125%<\/strong>\n            <\/div>\n\n            <div class=\"ccm-rate-row\">\n              <span class=\"ccm-rate-label\">APR<\/span>\n              <strong class=\"ccm-rate-value\">6.420%<\/strong>\n            <\/div>\n\n            <div class=\"ccm-rate-row\">\n\n              <span class=\"ccm-rate-label\">Points \/ Cost<\/span>\n\n              <span class=\"ccm-rate-value-group\">\n                <strong class=\"ccm-rate-value\">2.000 points<\/strong>\n                <small>$5,500.00<\/small>\n              <\/span>\n\n            <\/div>\n\n            <div class=\"ccm-rate-row\">\n\n              <span class=\"ccm-rate-label\">Monthly payment<\/span>\n\n              <span class=\"ccm-rate-value-group\">\n                <strong class=\"ccm-rate-value\">$1,670.93<\/strong>\n                <small>Estimated principal and interest<\/small>\n              <\/span>\n\n            <\/div>\n\n          <\/div>\n\n        <\/article>\n\n\n        <!-- 15-year fixed buydown -->\n        <article class=\"ccm-rate-card\">\n\n          <div class=\"ccm-card-heading\">\n\n            <h3 class=\"ccm-product-title\">15-year fixed<\/h3>\n\n            <span class=\"ccm-product-badge ccm-product-badge-buydown\">\n              2 points\n            <\/span>\n\n          <\/div>\n\n          <div class=\"ccm-card-divider\"><\/div>\n\n          <div class=\"ccm-rate-list\">\n\n            <div class=\"ccm-rate-row\">\n              <span class=\"ccm-rate-label\">Rate<\/span>\n              <strong class=\"ccm-rate-value\">5.375%<\/strong>\n            <\/div>\n\n            <div class=\"ccm-rate-row\">\n              <span class=\"ccm-rate-label\">APR<\/span>\n              <strong class=\"ccm-rate-value\">5.850%<\/strong>\n            <\/div>\n\n            <div class=\"ccm-rate-row\">\n\n              <span class=\"ccm-rate-label\">Points \/ Cost<\/span>\n\n              <span class=\"ccm-rate-value-group\">\n                <strong class=\"ccm-rate-value\">2.000 points<\/strong>\n                <small>$5,500.00<\/small>\n              <\/span>\n\n            <\/div>\n\n            <div class=\"ccm-rate-row\">\n\n              <span class=\"ccm-rate-label\">Monthly payment<\/span>\n\n              <span class=\"ccm-rate-value-group\">\n                <strong class=\"ccm-rate-value\">$2,228.78<\/strong>\n                <small>Estimated principal and interest<\/small>\n              <\/span>\n\n            <\/div>\n\n          <\/div>\n\n        <\/article>\n\n      <\/div>\n\n    <\/section>\n\n\n    <!-- Disclosure -->\n    <div class=\"ccm-rate-disclosure\">\n\n      <p class=\"ccm-rate-date\">\n        Rates shown are current as of July 12, 2026.\n      <\/p>\n\n      <p>\n        The examples shown are based on a $275,000 refinance loan and are\n        provided for illustrative and comparison purposes only. Estimated\n        monthly payments include principal and interest only and do not include\n        property taxes, homeowners insurance, mortgage insurance, HOA dues,\n        closing costs, prepaid items or other expenses.\n      <\/p>\n\n      <p>\n        The displayed rates apply to owner-occupied, 1- to 4-unit residential\n        mortgage loans, excluding jumbo loans. The 2-point examples assume\n        discount points equal to 2.00% of the loan amount, or $5,500 on a\n        $275,000 loan. Discount points are generally paid at closing to obtain\n        a lower interest rate and are not lender credits.\n      <\/p>\n\n      <p>\n        Actual rates, APRs, payments, points, credits and costs may vary based\n        on credit profile, loan amount, property value, loan purpose, location,\n        occupancy, property type, selected program, rate-lock period and final\n        underwriting results. This information is not a commitment to lend,\n        rate lock, approval or guarantee of available loan terms. Consumers\n        should review an official Loan Estimate before selecting a mortgage.\n      <\/p>\n\n    <\/div>\n\n  <\/div>\n\n<\/section>\n\n\n<style>\n  .ccm-rate-section,\n  .ccm-rate-section * {\n    box-sizing: border-box;\n  }\n\n  .ccm-rate-section {\n    width: 100%;\n    max-width: 100%;\n    margin: 28px 0;\n    font-family:\n      \"Pretendard\",\n      -apple-system,\n      BlinkMacSystemFont,\n      \"Segoe UI\",\n      Arial,\n      sans-serif;\n    color: #111111;\n  }\n\n  .ccm-rate-wrap {\n    width: 100%;\n    padding: 24px;\n    background: #f6f6f6;\n    border-radius: 18px;\n  }\n\n  .ccm-rate-group + .ccm-rate-group {\n    margin-top: 30px;\n  }\n\n  .ccm-rate-group-header {\n    margin-bottom: 13px;\n  }\n\n  .ccm-rate-group-title {\n    margin: 0 0 6px;\n    color: #111111;\n    font-size: 22px;\n    line-height: 1.3;\n    font-weight: 750;\n    letter-spacing: -0.4px;\n  }\n\n  .ccm-rate-group-description {\n    max-width: 920px;\n    margin: 0;\n    color: #666666;\n    font-size: 12px;\n    line-height: 1.55;\n    font-weight: 400;\n  }\n\n  .ccm-rate-grid {\n    display: grid;\n    grid-template-columns: repeat(2, minmax(0, 1fr));\n    gap: 12px;\n    align-items: stretch;\n  }\n\n  .ccm-rate-card {\n    display: flex;\n    flex-direction: column;\n    min-width: 0;\n    padding: 22px 22px 24px;\n    background: #ffffff;\n    border: 1px solid #dedede;\n    border-radius: 15px;\n  }\n\n  .ccm-card-heading {\n    display: flex;\n    align-items: center;\n    justify-content: space-between;\n    gap: 12px;\n    min-width: 0;\n  }\n\n  .ccm-product-title {\n    min-width: 0;\n    margin: 0;\n    color: #111111;\n    font-size: 21px;\n    line-height: 1.25;\n    font-weight: 750;\n    letter-spacing: -0.4px;\n    white-space: nowrap;\n  }\n\n  .ccm-product-badge {\n    display: inline-flex;\n    flex: 0 0 auto;\n    align-items: center;\n    justify-content: center;\n    min-height: 24px;\n    padding: 4px 9px;\n    color: #555555;\n    background: #eeeeee;\n    border-radius: 999px;\n    font-size: 10px;\n    line-height: 1;\n    font-weight: 650;\n    white-space: nowrap;\n  }\n\n  .ccm-product-badge-buydown {\n    color: #075b86;\n    background: #e5f4fb;\n  }\n\n  .ccm-card-divider {\n    width: 100%;\n    height: 1px;\n    margin: 17px 0 10px;\n    background: #dddddd;\n  }\n\n  .ccm-rate-list {\n    display: flex;\n    flex: 1;\n    flex-direction: column;\n    min-width: 0;\n  }\n\n  .ccm-rate-row {\n    display: grid;\n    grid-template-columns: minmax(0, 1fr) auto;\n    align-items: center;\n    gap: 12px;\n    min-width: 0;\n    min-height: 51px;\n    padding: 10px 0;\n    border-bottom: 1px solid #e7e7e7;\n  }\n\n  .ccm-rate-row:last-child {\n    border-bottom: 0;\n  }\n\n  .ccm-rate-label {\n    min-width: 0;\n    color: #4e4e4e;\n    font-size: 14px;\n    line-height: 1.35;\n    font-weight: 400;\n  }\n\n  .ccm-rate-value {\n    display: block;\n    min-width: 0;\n    color: #111111;\n    font-size: 15px;\n    line-height: 1.2;\n    font-weight: 700;\n    letter-spacing: -0.2px;\n    text-align: right;\n    white-space: nowrap;\n  }\n\n  .ccm-rate-value-group {\n    display: flex;\n    flex-direction: column;\n    align-items: flex-end;\n    gap: 3px;\n    min-width: 0;\n    text-align: right;\n  }\n\n  .ccm-rate-value-group small {\n    display: block;\n    max-width: 190px;\n    color: #777777;\n    font-size: 8px;\n    line-height: 1.35;\n    text-align: right;\n    white-space: normal;\n  }\n\n  .ccm-rate-disclosure {\n    margin-top: 18px;\n    padding: 12px 14px;\n    background: #eeeeee;\n    border-radius: 9px;\n  }\n\n  .ccm-rate-disclosure p {\n    margin: 0 0 6px;\n    color: #666666;\n    font-size: 8px;\n    line-height: 1.55;\n    font-weight: 400;\n  }\n\n  .ccm-rate-disclosure p:last-child {\n    margin-bottom: 0;\n  }\n\n  .ccm-rate-disclosure .ccm-rate-date {\n    margin-bottom: 5px;\n    color: #505050;\n    font-weight: 650;\n  }\n\n  @media (max-width: 760px) {\n    .ccm-rate-wrap {\n      padding: 18px;\n      border-radius: 16px;\n    }\n\n    .ccm-rate-group + .ccm-rate-group {\n      margin-top: 26px;\n    }\n\n    .ccm-rate-group-title {\n      font-size: 20px;\n    }\n\n    .ccm-rate-group-description {\n      font-size: 11px;\n    }\n\n    .ccm-rate-grid {\n      gap: 9px;\n    }\n\n    .ccm-rate-card {\n      padding: 18px 15px 20px;\n      border-radius: 13px;\n    }\n\n    .ccm-card-heading {\n      align-items: flex-start;\n      gap: 7px;\n    }\n\n    .ccm-product-title {\n      font-size: 17px;\n    }\n\n    .ccm-product-badge {\n      min-height: 21px;\n      padding: 4px 7px;\n      font-size: 9px;\n    }\n\n    .ccm-card-divider {\n      margin: 14px 0 8px;\n    }\n\n    .ccm-rate-row {\n      gap: 7px;\n      min-height: 47px;\n      padding: 8px 0;\n    }\n\n    .ccm-rate-label {\n      font-size: 11px;\n    }\n\n    .ccm-rate-value {\n      font-size: 12px;\n    }\n\n    .ccm-rate-value-group small {\n      max-width: 145px;\n      font-size: 7px;\n    }\n\n    .ccm-rate-disclosure p {\n      font-size: 7.5px;\n    }\n  }\n\n  @media (max-width: 520px) {\n    .ccm-rate-wrap {\n      padding: 14px;\n    }\n\n    .ccm-rate-group + .ccm-rate-group {\n      margin-top: 25px;\n    }\n\n    .ccm-rate-group-header {\n      margin-bottom: 11px;\n    }\n\n    .ccm-rate-group-title {\n      margin-bottom: 5px;\n      font-size: 18px;\n    }\n\n    .ccm-rate-group-description {\n      font-size: 11px;\n      line-height: 1.5;\n    }\n\n    .ccm-rate-grid {\n      grid-template-columns: 1fr;\n      gap: 8px;\n    }\n\n    .ccm-rate-card {\n      padding: 19px 18px;\n    }\n\n    .ccm-card-heading {\n      align-items: center;\n    }\n\n    .ccm-product-title {\n      font-size: 19px;\n    }\n\n    .ccm-product-badge {\n      min-height: 23px;\n      padding: 4px 9px;\n      font-size: 10px;\n    }\n\n    .ccm-rate-row {\n      gap: 12px;\n      min-height: 49px;\n      padding: 9px 0;\n    }\n\n    .ccm-rate-label {\n      font-size: 13px;\n    }\n\n    .ccm-rate-value {\n      font-size: 14px;\n    }\n\n    .ccm-rate-value-group small {\n      max-width: 190px;\n      font-size: 8px;\n      white-space: nowrap;\n    }\n\n    .ccm-rate-disclosure {\n      margin-top: 14px;\n      padding: 10px 11px;\n    }\n\n    .ccm-rate-disclosure p {\n      font-size: 7.5px;\n    }\n  }\n\n  @media (max-width: 360px) {\n    .ccm-rate-card {\n      padding: 17px 14px;\n    }\n\n    .ccm-product-title {\n      font-size: 17px;\n    }\n\n    .ccm-product-badge {\n      padding: 4px 7px;\n      font-size: 9px;\n    }\n\n    .ccm-rate-label {\n      font-size: 12px;\n    }\n\n    .ccm-rate-value {\n      font-size: 13px;\n    }\n\n    .ccm-rate-value-group small {\n      max-width: 150px;\n      white-space: normal;\n    }\n  }\n<\/style>\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<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-crosscountry-mortgage\uc758-\ubaa8\uae30\uc9c0-\uae08\ub9ac-\ube44\uad50\ud574-\ubcfc\uae4c\uc694\" class=\"wp-block-heading\" style=\"font-size:24px\"><strong>CrossCountry Mortgage\uc758 \ubaa8\uae30\uc9c0 \uae08\ub9ac, \ube44\uad50\ud574 \ubcfc\uae4c\uc694? <\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">CrossCountry Mortgage\ub294 \ud3b8\ub9ac\ud55c \uc628\ub77c\uc778 \uc2dc\uc2a4\ud15c\uacfc \uc9c0\uc5ed \ub300\ucd9c \uc0c1\ub2f4\uc0ac\ub97c \ud1b5\ud574 \uc8fc\ud0dd \uad6c\uc785 \ubc0f \ub300\ud658\ub300\ucd9c(\ub9ac\ud30c\uc774\ub0b8\uc2f1)\uc744 \uc81c\uacf5\ud558\ub294 \ubbf8\uad6d\uc758 \ub300\ud615 \ub300\ucd9c \uae30\uad00\uc785\ub2c8\ub2e4. \uace0\uc815 \ubc0f \ubcc0\ub3d9 \uae08\ub9ac \ubaa8\uae30\uc9c0\ub97c \ube44\ub86f\ud574 \uc810\ubcf4\ub860, \uc815\ubd80 \uc9c0\uc6d0 \ub300\ucd9c(FHA, USDA, VA)\uc740 \ubb3c\ub860, \uc8fc\ud0dd\ub2f4\ubcf4 \ub9c8\uc774\ub108\uc2a4\ud1b5\uc7a5(HELOC), \ub9ac\ubaa8\ub378\ub9c1 \ub300\ucd9c, \uac74\ucd95 \ub300\ucd9c, \ube44\uc801\uaca9 \ubaa8\uae30\uc9c0(Non-QM) \ub4f1 \ub9e4\uc6b0 \ub2e4\uc591\ud55c \uc0c1\ud488 \ub77c\uc778\uc5c5\uc744 \uac16\ucd94\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc2e4\uc81c \uc801\uc6a9\ub418\ub294 \uae08\ub9ac\uc640 \uc81c\ubc18 \ube44\uc6a9\uc740 \uc120\ud0dd\ud558\uc2e0 \ub300\ucd9c \ud504\ub85c\uadf8\ub7a8\uacfc \ub300\ucd9c\uc790\uc758 \uc790\uaca9 \uc694\uac74, \uadf8\ub9ac\uace0 \ub2f9\uc2dc\uc758 \uc2dc\uc7a5 \uc0c1\ud669\uc5d0 \ub530\ub77c \ub2ec\ub77c\uc9d1\ub2c8\ub2e4.<\/p>\n\n\n\n<section class=\"ccm-compare-section\">\n\n  <!-- 30-year fixed -->\n  <section class=\"ccm-compare-group\">\n\n    <h2 class=\"ccm-compare-term\">30-year fixed<\/h2>\n\n    <div class=\"ccm-compare-grid\">\n\n      <!-- CrossCountry Mortgage -->\n      <article class=\"ccm-compare-card\">\n\n        <div class=\"ccm-compare-card-header\">\n\n          <h3 class=\"ccm-compare-lender\">\n            CrossCountry Mortgage\n          <\/h3>\n\n          <span class=\"ccm-loan-type-badge ccm-loan-type-badge-standard\">\n            Fixed\n          <\/span>\n\n        <\/div>\n\n        <div class=\"ccm-compare-divider\"><\/div>\n\n        <div class=\"ccm-compare-list\">\n\n          <div class=\"ccm-compare-row\">\n            <span class=\"ccm-compare-label\">Rate<\/span>\n            <strong class=\"ccm-compare-value\">6.375%<\/strong>\n          <\/div>\n\n          <div class=\"ccm-compare-row\">\n            <span class=\"ccm-compare-label\">APR<\/span>\n            <strong class=\"ccm-compare-value\">6.478%<\/strong>\n          <\/div>\n\n          <div class=\"ccm-compare-row\">\n            <span class=\"ccm-compare-label\">Monthly Payment<\/span>\n\n            <span class=\"ccm-compare-value-group\">\n              <strong class=\"ccm-compare-value\">\n                $1,715.64\n              <\/strong>\n\n              <small>\n                Principal and interest only\n              <\/small>\n            <\/span>\n          <\/div>\n\n          <div class=\"ccm-compare-row\">\n            <span class=\"ccm-compare-label\">Points \/ Cost<\/span>\n\n            <span class=\"ccm-compare-value-group\">\n              <strong class=\"ccm-compare-value\">\n                $0.00\n              <\/strong>\n\n              <small>\n                0.000 points\n              <\/small>\n            <\/span>\n          <\/div>\n\n        <\/div>\n\n      <\/article>\n\n\n      <!-- Loaning.ai -->\n      <article class=\"ccm-compare-card ccm-compare-card-featured\">\n\n        <div class=\"ccm-compare-card-header\">\n\n          <h3 class=\"ccm-compare-lender ccm-compare-lender-featured\">\n            Loaning.ai\n          <\/h3>\n\n          <span class=\"ccm-loan-type-badge\">\n            FHA\n          <\/span>\n\n        <\/div>\n\n        <div class=\"ccm-compare-divider ccm-compare-divider-featured\"><\/div>\n\n        <div class=\"ccm-compare-list\">\n\n          <div class=\"ccm-compare-row\">\n            <span class=\"ccm-compare-label\">Rate<\/span>\n\n            <strong class=\"ccm-compare-value ccm-compare-value-featured\">\n              5.750%\n            <\/strong>\n          <\/div>\n\n          <div class=\"ccm-compare-row\">\n            <span class=\"ccm-compare-label\">APR<\/span>\n\n            <strong class=\"ccm-compare-value ccm-compare-value-featured\">\n              5.856%\n            <\/strong>\n          <\/div>\n\n          <div class=\"ccm-compare-row\">\n            <span class=\"ccm-compare-label\">Monthly Payment<\/span>\n\n            <span class=\"ccm-compare-value-group\">\n              <strong class=\"ccm-compare-value ccm-compare-value-featured\">\n                $1,746.70\n              <\/strong>\n\n              <small>\n                Includes applicable mortgage insurance\n              <\/small>\n            <\/span>\n          <\/div>\n\n          <div class=\"ccm-compare-row\">\n            <span class=\"ccm-compare-label\">Points \/ Cost<\/span>\n\n            <span class=\"ccm-compare-value-group\">\n              <strong class=\"ccm-compare-value ccm-compare-value-featured\">\n                $687.50\n              <\/strong>\n\n              <small>\n                0.250 discount points\n              <\/small>\n            <\/span>\n          <\/div>\n\n        <\/div>\n\n      <\/article>\n\n    <\/div>\n\n  <\/section>\n\n\n  <!-- 15-year fixed -->\n  <section class=\"ccm-compare-group\">\n\n    <h2 class=\"ccm-compare-term\">15-year fixed<\/h2>\n\n    <div class=\"ccm-compare-grid\">\n\n      <!-- CrossCountry Mortgage -->\n      <article class=\"ccm-compare-card\">\n\n        <div class=\"ccm-compare-card-header\">\n\n          <h3 class=\"ccm-compare-lender\">\n            CrossCountry Mortgage\n          <\/h3>\n\n          <span class=\"ccm-loan-type-badge ccm-loan-type-badge-standard\">\n            Fixed\n          <\/span>\n\n        <\/div>\n\n        <div class=\"ccm-compare-divider\"><\/div>\n\n        <div class=\"ccm-compare-list\">\n\n          <div class=\"ccm-compare-row\">\n            <span class=\"ccm-compare-label\">Rate<\/span>\n            <strong class=\"ccm-compare-value\">5.625%<\/strong>\n          <\/div>\n\n          <div class=\"ccm-compare-row\">\n            <span class=\"ccm-compare-label\">APR<\/span>\n            <strong class=\"ccm-compare-value\">5.787%<\/strong>\n          <\/div>\n\n          <div class=\"ccm-compare-row\">\n            <span class=\"ccm-compare-label\">Monthly Payment<\/span>\n\n            <span class=\"ccm-compare-value-group\">\n              <strong class=\"ccm-compare-value\">\n                $2,265.26\n              <\/strong>\n\n              <small>\n                Principal and interest only\n              <\/small>\n            <\/span>\n          <\/div>\n\n          <div class=\"ccm-compare-row\">\n            <span class=\"ccm-compare-label\">Points \/ Cost<\/span>\n\n            <span class=\"ccm-compare-value-group\">\n              <strong class=\"ccm-compare-value\">\n                $0.00\n              <\/strong>\n\n              <small>\n                0.000 points\n              <\/small>\n            <\/span>\n          <\/div>\n\n        <\/div>\n\n      <\/article>\n\n\n      <!-- Loaning.ai -->\n      <article class=\"ccm-compare-card ccm-compare-card-featured\">\n\n        <div class=\"ccm-compare-card-header\">\n\n          <h3 class=\"ccm-compare-lender ccm-compare-lender-featured\">\n            Loaning.ai\n          <\/h3>\n\n          <span class=\"ccm-loan-type-badge\">\n            FHA\n          <\/span>\n\n        <\/div>\n\n        <div class=\"ccm-compare-divider ccm-compare-divider-featured\"><\/div>\n\n        <div class=\"ccm-compare-list\">\n\n          <div class=\"ccm-compare-row\">\n            <span class=\"ccm-compare-label\">Rate<\/span>\n\n            <strong class=\"ccm-compare-value ccm-compare-value-featured\">\n              5.500%\n            <\/strong>\n          <\/div>\n\n          <div class=\"ccm-compare-row\">\n            <span class=\"ccm-compare-label\">APR<\/span>\n\n            <strong class=\"ccm-compare-value ccm-compare-value-featured\">\n              5.638%\n            <\/strong>\n          <\/div>\n\n          <div class=\"ccm-compare-row\">\n            <span class=\"ccm-compare-label\">Monthly Payment<\/span>\n\n            <span class=\"ccm-compare-value-group\">\n              <strong class=\"ccm-compare-value ccm-compare-value-featured\">\n                $2,398.17\n              <\/strong>\n\n              <small>\n                Includes applicable mortgage insurance\n              <\/small>\n            <\/span>\n          <\/div>\n\n          <div class=\"ccm-compare-row\">\n            <span class=\"ccm-compare-label\">Points \/ Cost<\/span>\n\n            <span class=\"ccm-compare-value-group\">\n              <strong class=\"ccm-compare-value ccm-compare-value-featured\">\n                $0.00\n              <\/strong>\n\n              <small>\n                0.000 points\n              <\/small>\n            <\/span>\n          <\/div>\n\n        <\/div>\n\n      <\/article>\n\n    <\/div>\n\n  <\/section>\n\n<\/section>\n\n\n<style>\n  .ccm-compare-section,\n  .ccm-compare-section * {\n    box-sizing: border-box;\n  }\n\n  .ccm-compare-section {\n    width: 100%;\n    max-width: 100%;\n    margin: 26px 0;\n    font-family:\n      \"Pretendard\",\n      -apple-system,\n      BlinkMacSystemFont,\n      \"Segoe UI\",\n      Arial,\n      sans-serif;\n    color: #111111;\n  }\n\n  .ccm-compare-group {\n    width: 100%;\n    padding: 24px;\n    overflow: hidden;\n    background: #f6f6f6;\n    border-radius: 22px;\n  }\n\n  .ccm-compare-group + .ccm-compare-group {\n    margin-top: 18px;\n  }\n\n  .ccm-compare-term {\n    margin: 0 0 18px;\n    color: #111111;\n    font-size: 26px;\n    line-height: 1.25;\n    font-weight: 600;\n    letter-spacing: -0.6px;\n  }\n\n  .ccm-compare-grid {\n    display: grid;\n    grid-template-columns: repeat(2, minmax(0, 1fr));\n    gap: 14px;\n    align-items: stretch;\n    min-width: 0;\n  }\n\n  .ccm-compare-card {\n    display: flex;\n    flex-direction: column;\n    min-width: 0;\n    width: 100%;\n    padding: 22px 20px;\n    overflow: hidden;\n    background: #ffffff;\n    border: 1px solid #dddddd;\n    border-radius: 18px;\n  }\n\n  .ccm-compare-card-featured {\n    background: #eef7ff;\n    border: 2px solid #0871d1;\n  }\n\n  .ccm-compare-card-header {\n    display: flex;\n    align-items: flex-start;\n    justify-content: space-between;\n    gap: 10px;\n    min-width: 0;\n    min-height: 48px;\n  }\n\n  .ccm-compare-lender {\n    min-width: 0;\n    margin: 0;\n    color: #111111;\n    font-size: 20px;\n    line-height: 1.25;\n    font-weight: 600;\n    letter-spacing: -0.35px;\n    word-break: keep-all;\n  }\n\n  .ccm-compare-lender-featured {\n    color: #0868c7;\n  }\n\n  .ccm-loan-type-badge {\n    display: inline-flex;\n    flex: 0 0 auto;\n    align-items: center;\n    justify-content: center;\n    padding: 5px 9px;\n    color: #0868c7;\n    background: #dceeff;\n    border-radius: 999px;\n    font-size: 9px;\n    line-height: 1;\n    font-weight: 700;\n    white-space: nowrap;\n  }\n\n  .ccm-loan-type-badge-standard {\n    color: #555555;\n    background: #eeeeee;\n  }\n\n  .ccm-compare-divider {\n    width: 100%;\n    height: 1px;\n    margin: 15px 0 7px;\n    background: #cccccc;\n  }\n\n  .ccm-compare-divider-featured {\n    background: #acd2f1;\n  }\n\n  .ccm-compare-list {\n    display: flex;\n    flex: 1;\n    flex-direction: column;\n    min-width: 0;\n    width: 100%;\n  }\n\n  .ccm-compare-row {\n    display: grid;\n    grid-template-columns:\n      minmax(0, 44%)\n      minmax(0, 56%);\n    align-items: center;\n    gap: 8px;\n    min-width: 0;\n    width: 100%;\n    min-height: 58px;\n    padding: 9px 0;\n    border-bottom: 1px solid #e2e2e2;\n  }\n\n  .ccm-compare-row:last-child {\n    border-bottom: 0;\n  }\n\n  .ccm-compare-label {\n    display: block;\n    min-width: 0;\n    color: #555555;\n    font-size: 13px;\n    line-height: 1.35;\n    font-weight: 400;\n    word-break: keep-all;\n  }\n\n  .ccm-compare-value {\n    display: block;\n    min-width: 0;\n    max-width: 100%;\n    color: #111111;\n    font-size: 17px;\n    line-height: 1.2;\n    font-weight: 750;\n    letter-spacing: -0.3px;\n    text-align: right;\n    white-space: nowrap;\n  }\n\n  .ccm-compare-value-featured {\n    color: #07599e;\n  }\n\n  .ccm-compare-value-group {\n    display: flex;\n    flex-direction: column;\n    align-items: flex-end;\n    gap: 3px;\n    min-width: 0;\n    width: 100%;\n    max-width: 100%;\n    text-align: right;\n  }\n\n  .ccm-compare-value-group small {\n    display: block;\n    width: 100%;\n    max-width: 100%;\n    color: #777777;\n    font-size: 7.5px;\n    line-height: 1.35;\n    text-align: right;\n    white-space: normal;\n    word-break: keep-all;\n  }\n\n  @media (max-width: 820px) {\n    .ccm-compare-group {\n      padding: 18px;\n      border-radius: 18px;\n    }\n\n    .ccm-compare-term {\n      margin-bottom: 15px;\n      font-size: 22px;\n    }\n\n    .ccm-compare-grid {\n      gap: 9px;\n    }\n\n    .ccm-compare-card {\n      padding: 18px 15px;\n      border-radius: 15px;\n    }\n\n    .ccm-compare-card-header {\n      min-height: 40px;\n    }\n\n    .ccm-compare-lender {\n      font-size: 16px;\n    }\n\n    .ccm-compare-row {\n      grid-template-columns:\n        minmax(0, 43%)\n        minmax(0, 57%);\n      gap: 6px;\n      min-height: 51px;\n      padding: 8px 0;\n    }\n\n    .ccm-compare-label {\n      font-size: 10.5px;\n    }\n\n    .ccm-compare-value {\n      font-size: 13.5px;\n    }\n\n    .ccm-compare-value-group small {\n      font-size: 6.5px;\n    }\n  }\n\n  @media (max-width: 600px) {\n    .ccm-compare-group {\n      padding: 17px 13px;\n      border-radius: 17px;\n    }\n\n    .ccm-compare-group + .ccm-compare-group {\n      margin-top: 14px;\n    }\n\n    .ccm-compare-term {\n      margin-bottom: 13px;\n      font-size: 21px;\n    }\n\n    .ccm-compare-grid {\n      grid-template-columns: 1fr;\n      gap: 10px;\n    }\n\n    .ccm-compare-card {\n      padding: 18px 17px;\n    }\n\n    .ccm-compare-card-header {\n      min-height: auto;\n    }\n\n    .ccm-compare-lender {\n      font-size: 18px;\n    }\n\n    .ccm-compare-divider {\n      margin: 13px 0 6px;\n    }\n\n    .ccm-compare-row {\n      grid-template-columns:\n        minmax(0, 45%)\n        minmax(0, 55%);\n      gap: 8px;\n      min-height: 51px;\n      padding: 8px 0;\n    }\n\n    .ccm-compare-label {\n      font-size: 12px;\n    }\n\n    .ccm-compare-value {\n      font-size: 15px;\n    }\n\n    .ccm-compare-value-group small {\n      font-size: 7px;\n    }\n  }\n\n  @media (max-width: 360px) {\n    .ccm-compare-card {\n      padding: 16px 13px;\n    }\n\n    .ccm-compare-term {\n      font-size: 19px;\n    }\n\n    .ccm-compare-lender {\n      font-size: 17px;\n    }\n\n    .ccm-compare-row {\n      grid-template-columns:\n        minmax(0, 43%)\n        minmax(0, 57%);\n      gap: 6px;\n    }\n\n    .ccm-compare-label {\n      font-size: 11px;\n    }\n\n    .ccm-compare-value {\n      font-size: 13.5px;\n      letter-spacing: -0.4px;\n    }\n\n    .ccm-compare-value-group small {\n      font-size: 6.5px;\n    }\n  }\n<\/style>\n\n\n\n<details class=\"mortgage-legal-details\">\n\n  <summary class=\"mortgage-legal-summary\">\n\n    Legal Disclosures\n\n    <span class=\"mortgage-legal-icon\" aria-hidden=\"true\"><\/span>\n\n  <\/summary>\n\n  <div class=\"mortgage-legal-content\">\n\n    <p>\n\n      The rates and payment examples shown above are provided for illustrative\n\n      and comparison purposes only. They are not a commitment to lend, a rate\n\n      lock, an approval, or a guarantee of available loan terms.\n\n    <\/p>\n\n    <p>\n\n      <strong>General assumptions:<\/strong>\n\n      The examples are based on a $275,000 owner-occupied home purchase loan,\n\n      an estimated purchase price of approximately $458,333, a 60%\n\n      loan-to-value ratio (LTV), a credit score of 740, and a debt-to-income\n\n      ratio below 43%. The property is assumed to be a single-family primary\n\n      residence, and the borrower is assumed to be a U.S. citizen receiving\n\n      W-2 income. Property taxes and homeowners insurance are assumed to be\n\n      paid through an escrow account.\n\n    <\/p>\n\n    <p>\n\n      <strong>CrossCountry Mortgage examples:<\/strong>\n\n      The CrossCountry Mortgage figures shown are standard fixed-rate purchase\n\n      examples based on a $275,000 loan amount. The displayed monthly payments\n\n      represent estimated principal and interest only and do not include\n\n      property taxes, homeowners insurance, mortgage insurance, HOA dues,\n\n      prepaid items, closing costs, or other expenses. The displayed 30-year\n\n      and 15-year examples include 0.000 discount points and an estimated\n\n      points cost of $0.00.\n\n    <\/p>\n\n    <ul>\n\n      <li>\n\n        <strong>30-year fixed:<\/strong>\n\n        6.375% interest rate, 6.478% APR, $1,715.64 estimated monthly principal\n\n        and interest payment, and 0.000 points ($0.00).\n\n      <\/li>\n\n      <li>\n\n        <strong>15-year fixed:<\/strong>\n\n        5.625% interest rate, 5.787% APR, $2,265.26 estimated monthly principal\n\n        and interest payment, and 0.000 points ($0.00).\n\n      <\/li>\n\n    <\/ul>\n\n    <p>\n\n      <strong>Loaning.ai examples:<\/strong>\n\n      The Loaning.ai figures shown are FHA purchase estimates based on the\n\n      assumptions described above. The displayed monthly payments include\n\n      estimated principal and interest, a monthly amount associated with the\n\n      financed upfront Mortgage Insurance Premium (UFMIP), and the monthly\n\n      Mortgage Insurance Premium (MIP). They exclude property taxes,\n\n      homeowners insurance, HOA dues, closing costs, prepaid items, and other\n\n      expenses.\n\n    <\/p>\n\n    <ul>\n\n      <li>\n\n        <strong>30-year FHA fixed:<\/strong>\n\n        5.750% interest rate, 5.856% APR, $1,746.70 estimated monthly payment,\n\n        and 0.250 discount points ($687.50). The estimated payment consists of\n\n        $1,604.83 in principal and interest, $28.08 associated with UFMIP, and\n\n        $113.79 in monthly MIP.\n\n      <\/li>\n\n      <li>\n\n        <strong>15-year FHA fixed:<\/strong>\n\n        5.500% interest rate, 5.638% APR, $2,398.17 estimated monthly payment,\n\n        and 0.000 points ($0.00). The estimated payment consists of $2,246.98\n\n        in principal and interest, $39.32 associated with UFMIP, and $111.87\n\n        in monthly MIP.\n\n      <\/li>\n\n    <\/ul>\n\n    <p>\n\n      The $687.50 shown in the 30-year Loaning.ai example represents an\n\n      estimated discount-point cost equal to 0.250% of the $275,000 loan\n\n      amount. It should not be interpreted as cash back, a refund, a rebate,\n\n      payback, or a lender credit.\n\n    <\/p>\n\n    <p>\n\n      FHA loans generally require an upfront Mortgage Insurance Premium and an\n\n      annual Mortgage Insurance Premium collected through monthly\n\n      installments. The amount and duration of mortgage insurance may vary\n\n      based on the loan term, loan amount, LTV, and applicable FHA\n\n      requirements.\n\n    <\/p>\n\n    <p>\n\n      The interest rate and APR are different measures. The interest rate\n\n      reflects the cost of borrowing the principal, while the APR may include\n\n      the interest rate, discount points, mortgage insurance, and certain\n\n      lender or loan charges. Points and lender credits may change the\n\n      interest rate and the amount due at closing.\n\n    <\/p>\n\n    <p>\n\n      The CrossCountry Mortgage and Loaning.ai examples involve different loan\n\n      programs and payment structures. The CrossCountry Mortgage examples are\n\n      standard fixed-rate purchase examples, while the Loaning.ai examples are\n\n      FHA purchase estimates that include mortgage insurance. As a result, the\n\n      displayed interest rates, APRs, monthly payments, and upfront costs\n\n      should not be interpreted as a like-for-like comparison of identical\n\n      mortgage products.\n\n    <\/p>\n\n    <p>\n\n      Actual rates, APRs, monthly payments, points, credits, mortgage insurance,\n\n      closing costs, and eligibility may vary based on market conditions,\n\n      quote date and time, credit history, income, assets, debt obligations,\n\n      purchase price, loan amount, LTV, occupancy, property type, location,\n\n      loan program, rate-lock period, escrow requirements, and final\n\n      underwriting results.\n\n    <\/p>\n\n    <p>\n\n      Mortgage rates and pricing may change at any time and may not be\n\n      available to every borrower. Not all loan products, rates, or pricing\n\n      options are displayed. Consumers should request and review official Loan\n\n      Estimates from each lender before selecting a mortgage.\n\n    <\/p>\n\n    <p class=\"mortgage-legal-last\">\n\n      CrossCountry Mortgage rates are current as of July 12, 2026. Loaning.ai\n\n      figures are based on the estimates displayed when this comparison was\n\n      prepared.\n\n    <\/p>\n\n  <\/div>\n\n<\/details>\n\n<style>\n\n  .mortgage-legal-details,\n\n  .mortgage-legal-details * {\n\n    box-sizing: border-box;\n\n  }\n\n  .mortgage-legal-details {\n\n    width: 100%;\n\n    margin: 12px 0 24px;\n\n    overflow: hidden;\n\n    background: #eeeeee;\n\n    border: 1px solid #dddddd;\n\n    border-radius: 10px;\n\n    font-family:\n\n      Pretendard,\n\n      -apple-system,\n\n      BlinkMacSystemFont,\n\n      \"Segoe UI\",\n\n      Arial,\n\n      sans-serif;\n\n  }\n\n  .mortgage-legal-summary {\n\n    position: relative;\n\n    display: flex;\n\n    align-items: center;\n\n    justify-content: space-between;\n\n    gap: 12px;\n\n    width: 100%;\n\n    padding: 11px 14px;\n\n    color: #4f5459;\n\n    font-size: 10px;\n\n    line-height: 1.4;\n\n    font-weight: 700;\n\n    cursor: pointer;\n\n    list-style: none;\n\n    user-select: none;\n\n  }\n\n  .mortgage-legal-summary::-webkit-details-marker {\n\n    display: none;\n\n  }\n\n  .mortgage-legal-summary::marker {\n\n    display: none;\n\n    content: \"\";\n\n  }\n\n  .mortgage-legal-summary:hover {\n\n    background: #e8e8e8;\n\n  }\n\n  .mortgage-legal-summary:focus-visible {\n\n    outline: 2px solid #777777;\n\n    outline-offset: -2px;\n\n  }\n\n  .mortgage-legal-icon {\n\n    position: relative;\n\n    width: 13px;\n\n    height: 13px;\n\n    flex: 0 0 13px;\n\n  }\n\n  .mortgage-legal-icon::before,\n\n  .mortgage-legal-icon::after {\n\n    position: absolute;\n\n    top: 50%;\n\n    left: 50%;\n\n    width: 10px;\n\n    height: 1.5px;\n\n    background: #686d72;\n\n    border-radius: 2px;\n\n    content: \"\";\n\n    transform: translate(-50%, -50%);\n\n    transition: transform 0.2s ease;\n\n  }\n\n  .mortgage-legal-icon::after {\n\n    transform: translate(-50%, -50%) rotate(90deg);\n\n  }\n\n  .mortgage-legal-details[open] .mortgage-legal-icon::after {\n\n    transform: translate(-50%, -50%) rotate(0deg);\n\n  }\n\n  .mortgage-legal-content {\n\n    padding: 13px 15px 15px;\n\n    border-top: 1px solid #dadada;\n\n  }\n\n  .mortgage-legal-content p {\n\n    margin: 0 0 8px;\n\n    color: #686d72;\n\n    font-size: 8px;\n\n    line-height: 1.55;\n\n    font-weight: 400;\n\n    letter-spacing: -0.01px;\n\n  }\n\n  .mortgage-legal-content strong {\n\n    color: #53585d;\n\n    font-weight: 650;\n\n  }\n\n  .mortgage-legal-content ul {\n\n    margin: 2px 0 9px;\n\n    padding-left: 17px;\n\n  }\n\n  .mortgage-legal-content li {\n\n    margin: 3px 0;\n\n    padding-left: 1px;\n\n    color: #686d72;\n\n    font-size: 8px;\n\n    line-height: 1.5;\n\n    font-weight: 400;\n\n  }\n\n  .mortgage-legal-content .mortgage-legal-last {\n\n    margin-bottom: 0;\n\n  }\n\n  @media (max-width: 520px) {\n\n    .mortgage-legal-summary {\n\n      padding: 10px 12px;\n\n      font-size: 9px;\n\n    }\n\n    .mortgage-legal-content {\n\n      padding: 11px 12px 13px;\n\n    }\n\n    .mortgage-legal-content p,\n\n    .mortgage-legal-content li {\n\n      font-size: 7.5px;\n\n      line-height: 1.5;\n\n    }\n\n    .mortgage-legal-content ul {\n\n      padding-left: 15px;\n\n    }\n\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=lender_compare&#038;utm_content=ccm_mortgage\">\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=lender_compare&#038;utm_content=ccm_mortgage\">\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=lender_compare&#038;utm_content=ccm_mortgage\">\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=lender_compare&#038;utm_content=ccm_mortgage\">\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=\"wp-block-paragraph\"><a href=\"https:\/\/blog.loaning.ai\/en\/6102\/\">\ud83d\udc49 How to Use Loaning.ai&#8217;s Mortgage Rates Calculator?<\/a><\/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-crosscountry-mortgage\uc5d0-\ub300\ud55c-bankrate-\uc810\uc218\" class=\"wp-block-heading\" style=\"font-size:24px\"><strong>CrossCountry Mortgage\uc5d0 \ub300\ud55c Bankrate \uc810\uc218<\/strong><\/h2>\n\n\n\n<h3 id=\"h-affordability-3-4-stars\" class=\"wp-block-heading\" style=\"font-size:16px\"><strong>Affordability: 3.4 stars<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">CrossCountry Mortgage\uc5d0\uc11c \uace0\uac1d\uc5d0\uac8c \uc801\uc6a9\ub420 \uc815\ud655\ud55c \uae08\ub9ac\uc640 \uc218\uc218\ub8cc\ub97c \ud30c\uc545\ud558\ub824\uba74 \ub9de\ucda4\ud615 \uacac\uc801\uc744 \uc694\uccad\ud558\uac70\ub098 \uc0ac\uc804 \uc2b9\uc778(Preapproval) \uc808\ucc28\ub97c \uac70\uccd0\uc57c \ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Interest rates:<\/strong> CrossCountry Mortgage\uac00 \uc81c\uacf5\ud558\ub294 \ubaa8\ub4e0 \ubaa8\uae30\uc9c0 \uae08\ub9ac\uac00 \uc628\ub77c\uc778\uc5d0 \uacf5\uac1c\ub418\ub294 \uac83\uc740 \uc544\ub2d9\ub2c8\ub2e4. \ub530\ub77c\uc11c \ucd5c\uc2e0 \uae08\ub9ac \uc635\uc158\uacfc \uc5f0\uc774\uc728(APR), \ud3ec\uc778\ud2b8 \ubc0f \uac01\uc885 \uc218\uc218\ub8cc\ub97c \uc815\ud655\ud788 \ud655\uc778\ud558\ub824\uba74 \ub300\ucd9c \uae30\uad00\uc5d0 \uc9c1\uc811 \ubb38\uc758\ud574\uc57c \ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc77c\ubd80 \uc0c1\ud488\uc740 \uc774\uc790\uc728\uc744 \ub0ae\ucd94\uae30 \uc704\ud574 \ubaa8\uae30\uc9c0 \ud560\uc778 \ud3ec\uc778\ud2b8(Discount points)\ub97c \uad6c\ub9e4\ud558\uac70\ub098 \uae08\ub9ac \uc778\ud558(\ubc14\uc774\ub2e4\uc6b4) \ubc29\uc2dd\uc744 \uc801\uc6a9\ud574\uc57c \ud560 \uc218\ub3c4 \uc788\uc2b5\ub2c8\ub2e4.<\/li>\n\n\n\n<li><strong>Down payment:<\/strong> CrossCountry Mortgage\ub294 \ucd08\uae30 \uc790\uae08 \ubd80\ub2f4\uc744 \ub0ae\ucd98 \uc635\uc158\uc744 \ud3ec\ud568\ud558\uc5ec \ub2e4\uc591\ud55c \uc77c\ubc18 \ubaa8\uae30\uc9c0 \ubc0f \uc815\ubd80 \uc9c0\uc6d0 \ub300\ucd9c \ud504\ub85c\uadf8\ub7a8\uc744 \uc81c\uacf5\ud569\ub2c8\ub2e4. \uc790\uaca9 \uc694\uac74\uc744 \ucda9\uc871\ud558\ub294 \ub300\ucd9c\uc790\uc758 \uacbd\uc6b0, \uc120\ud0dd\ud55c \ub300\ucd9c \ud504\ub85c\uadf8\ub7a8\uacfc \uc138\ubd80 \uc870\uac74\uc5d0 \ub530\ub77c \ucd08\uae30 \uc790\uae08 \uc9c0\uc6d0 \ud61c\ud0dd\uc774\ub098 \ubaa8\uae30\uc9c0 \ubcf4\ud5d8 \ub300\uccb4 \uc218\ub2e8\uc744 \uc774\uc6a9\ud560 \uc218\ub3c4 \uc788\uc2b5\ub2c8\ub2e4.<\/li>\n<\/ul>\n\n\n\n<h3 id=\"h-affordability-5-stars\" class=\"wp-block-heading\" style=\"font-size:16px\"><strong>Affordability: 5 stars<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">CrossCountry Mortgage\ub294 \uc804\uad6d\uc801\uc73c\ub85c \ub2e4\uc591\ud55c \ub300\ucd9c \uc0c1\ud488\uc744 \uc81c\uacf5\ud558\uba70, \uc774\uc6a9 \ud3b8\uc758\uc131 \ubd80\ubb38\uc5d0\uc11c 5\uc810 \ub9cc\uc810\uc5d0 5\uc810\uc744 \ubc1b\uc558\uc2b5\ub2c8\ub2e4. <\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\ucde8\uae09 \ub300\ucd9c \uc0c1\ud488:<\/strong>&nbsp;CrossCountry Mortgage\ub294 \uc801\uaca9(Conforming) \ubc0f \ube44\uc801\uaca9(Non-conforming) \uc77c\ubc18 \ubaa8\uae30\uc9c0\uc640 \uc815\ubd80 \uc9c0\uc6d0 \ub300\ucd9c\uc744 \uc81c\uacf5\ud569\ub2c8\ub2e4. \uc774\uc5d0 \ub354\ud574 \uc758\ub8cc\uc778 \ub300\ucd9c(Physician loans), \ucf58\ub3c4 \ub300\ucd9c, \ube0c\ub9bf\uc9c0\ub860, \ube44\uc801\uaca9 \ubaa8\uae30\uc9c0(Non-QM)\ucc98\ub7fc \ub2e4\ub978 \uacf3\uc5d0\uc11c\ub294 \ucc3e\uc544\ubcf4\uae30 \ud798\ub4e0 \ud2b9\ud654 \uc0c1\ud488\uae4c\uc9c0 \ud3ed\ub113\uac8c \ucde8\uae09\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/li>\n\n\n\n<li><strong>\uc11c\ube44\uc2a4 \uc9c0\uc5ed \ubc0f \uc601\uc5c5\ub9dd:<\/strong>&nbsp;\ubbf8\uad6d \uc804 \uc8fc\uc5d0\uc11c \ub300\ucd9c \uc11c\ube44\uc2a4\ub97c \uc9c0\uc6d0\ud558\uba70, \uc804\uad6d\uc801\uc73c\ub85c 700\uac1c\uac00 \ub118\ub294 \ubc29\ub300\ud55c \uc9c0\uc810 \ub124\ud2b8\uc6cc\ud06c\ub97c \uc6b4\uc601\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/li>\n\n\n\n<li><strong>\ub300\ucd9c \uc2e0\uccad \ubc29\ubc95:&nbsp;<\/strong>\ub300\ucd9c \uc2e0\uccad\uc740 \uc628\ub77c\uc778\uc774\ub098 \uc804\ud654\ub97c \ud1b5\ud574 \ud3b8\ub9ac\ud558\uac8c \uc9c4\ud589\ud560 \uc218 \uc788\uc73c\uba70, \uac00\uae4c\uc6b4 \uc601\uc5c5\uc810\uc744 \uc9c1\uc811 \ubc29\ubb38\ud558\uc5ec \ub300\uba74\uc73c\ub85c \uc2e0\uccad\ud558\ub294 \uac83\ub3c4 \uac00\ub2a5\ud569\ub2c8\ub2e4.<\/li>\n<\/ul>\n\n\n\n<h3 id=\"h-borrower-experience-3-1-stars\" class=\"wp-block-heading\" style=\"font-size:16px\"><strong>Borrower experience: 3.1 stars<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">BankRate\ub294 \uc720\ub098\uc774\ud2f0\ub4dc \ud640\uc138\uc77c \ubaa8\uae30\uc9c0\uc758 \ube44\uc6a9 \uc801\uc815\uc131(Affordability) \ubd80\ubb38\uc5d0 5\uc810 \ub9cc\uc810 \uae30\uc900 3.4\uc810\uc744 \ubd80\uc5ec\ud588\uc2b5\ub2c8\ub2e4. \uc720\ub098\uc774\ud2f0\ub4dc \ud640\uc138\uc77c \ubaa8\uae30\uc9c0\ub294 \ucd08\uae30 \uc790\uae08(\ub2e4\uc6b4\ud398\uc774\uba3c\ud2b8) \ubd80\ub2f4\uc744 \ub0ae\ucd98 \ub2e4\uc591\ud55c \ub300\ucd9c \uc0c1\ud488\uc744 \uc81c\uacf5\ud569\ub2c8\ub2e4. \ub2e4\ub9cc, \ucd5c\uc2e0 \uae08\ub9ac\ub098 \uac1c\uc778\ubcc4 \ub9de\ucda4 \ub300\ucd9c \uc870\uac74\uc744 \ud655\uc778\ud558\ub824\uba74 \ub300\uac1c \ub3c5\ub9bd \ubaa8\uae30\uc9c0 \ube0c\ub85c\ucee4\uc5d0\uac8c \uc9c1\uc811 \ubb38\uc758\ud574\uc57c \ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\uc0ac\uc804 \uc2b9\uc778 \ubc0f \ub300\ucd9c \uc2e0\uccad \uc808\ucc28:<\/strong>&nbsp;CrossCountry Mortgage \ud648\ud398\uc774\uc9c0\ub97c \ud1b5\ud574 \uc628\ub77c\uc778\uc73c\ub85c \ub300\ucd9c \uc0ac\uc804 \uc2b9\uc778\uc744 \uc2e0\uccad\ud560 \uc218 \uc788\uc73c\uba70, \uc694\uac74\uc744 \ucda9\uc871\ud560 \uacbd\uc6b0 \uc601\uc5c5\uc77c \uae30\uc900 3\uc77c \uc774\ub0b4\uc5d0 \uc0ac\uc804 \uc2b9\uc778\uc11c(Letter)\ub97c \ubc1c\uae09\ubc1b\uac8c \ub429\ub2c8\ub2e4. \ud0c0 \ub300\ucd9c \uae30\uad00\uc5d0 \ube44\ud574 \ubc1c\uae09\uc5d0 \ub2e4\uc18c \uc2dc\uc77c\uc774 \uac78\ub9ac\ub294 \ud3b8\uc774\uc9c0\ub9cc, \ub300\ucd9c \uc2e0\uccad\ubd80\ud130 \ucd5c\uc885 \uc2e4\ud589\uae4c\uc9c0 \ub2e8 21\uc77c \ub9cc\uc5d0 \uc2e0\uc18d\ud558\uac8c \ub9c8\ubb34\ub9ac\ud574 \uc8fc\ub294 &#8217;21\uc77c \ub300\ucd9c \uc885\uacb0(21-day closing)&#8217; \ud504\ub85c\uadf8\ub7a8\uc744 \ubcc4\ub3c4\ub85c \uc9c0\uc6d0\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/li>\n\n\n\n<li><strong>\uae08\ub9ac \uc815\ubcf4 \ud22c\uba85\uc131:<\/strong>&nbsp;CrossCountry Mortgage \uc6f9\uc0ac\uc774\ud2b8\uc5d0\uc11c\ub294 \ub300\ucd9c \uae08\ub9ac\ub97c \uc9c1\uc811 \uacf5\uac1c\ud558\uace0 \uc788\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4. \ud558\uc9c0\ub9cc \ud648\ud398\uc774\uc9c0\uc5d0\uc11c \ubb34\ub8cc\ub85c \uae08\ub9ac \uacac\uc801\uc744 \uc694\uccad\ud558\uc2e4 \uc218 \uc788\uc73c\uba70, \uc694\uccad \ud6c4\uc5d0\ub294 \uc804\ub2f4 \ub300\ucd9c \uc0c1\ub2f4\uc0ac\uac00 \ubc30\uc815\ub418\uc5b4 \uace0\uac1d\uc5d0\uac8c \ub9de\ub294 \uc0c1\uc138\ud55c \uc548\ub0b4\ub97c \uc81c\uacf5\ud569\ub2c8\ub2e4.<\/li>\n\n\n\n<li><strong>\uace0\uac1d \uc11c\ube44\uc2a4:<\/strong>&nbsp;CrossCountry Mortgage \uace0\uac1d \uc9c0\uc6d0 \uc13c\ud130\uc758 \uc5f0\ub77d\ucc98\ub294 877-351-3400\uc785\ub2c8\ub2e4.<\/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<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-\ub3d9\uc77c-\uc870\uac74-\ubbf8\uad6d-\uc0c1\uc704-5\uac1c-lender\uc0ac\uc758-30\ub144-\uace0\uc815-\ucd5c\uc800-\uae08\ub9ac\ub97c-\ube44\uad50\ud574-\ubcf4\uc138\uc694\" class=\"wp-block-heading\" style=\"font-size:24px\"><strong>\ub3d9\uc77c \uc870\uac74, \ubbf8\uad6d \uc0c1\uc704 5\uac1c Lender\uc0ac\uc758 30\ub144 \uace0\uc815 \ucd5c\uc800 \uae08\ub9ac\ub97c \ube44\uad50\ud574 \ubcf4\uc138\uc694!<\/strong><\/h2>\n\n\n\n<section class=\"loaning-rate-comparison\">\n\n  <div class=\"loaning-rate-table\">\n\n    <!-- Header -->\n    <div class=\"loaning-rate-header\">\n      <div>Company<\/div>\n      <div>Rate<\/div>\n      <div>APR<\/div>\n      <div>Points<\/div>\n    <\/div>\n\n    <!-- Loaning.ai -->\n    <div class=\"loaning-rate-row loaning-rate-row-featured\">\n      <div class=\"loaning-rate-lender\">\n        <strong>Loaning.ai<\/strong>\n      <\/div>\n\n      <div class=\"loaning-rate-value\">\n        <span class=\"loaning-mobile-label\">Rate<\/span>\n        <span>6.000%<\/span>\n      <\/div>\n\n      <div class=\"loaning-rate-value\">\n        <span class=\"loaning-mobile-label\">APR<\/span>\n        <span>6.110%<\/span>\n      <\/div>\n\n      <div class=\"loaning-rate-value loaning-rate-point\">\n        <span class=\"loaning-mobile-label\">Points<\/span>\n        <span>$5,705.00<\/span>\n      <\/div>\n    <\/div>\n\n    <!-- Rocket Mortgage -->\n    <div class=\"loaning-rate-row\">\n      <div class=\"loaning-rate-lender\">\n        <strong>Rocket Mortgage<\/strong>\n      <\/div>\n\n      <div class=\"loaning-rate-value\">\n        <span class=\"loaning-mobile-label\">Rate<\/span>\n        <span>6.125%<\/span>\n      <\/div>\n\n      <div class=\"loaning-rate-value\">\n        <span class=\"loaning-mobile-label\">APR<\/span>\n        <span>6.196%<\/span>\n      <\/div>\n\n      <div class=\"loaning-rate-value loaning-rate-point\">\n        <span class=\"loaning-mobile-label\">Points<\/span>\n        <span>$8,953.00<\/span>\n      <\/div>\n    <\/div>\n\n    <!-- Chase -->\n    <div class=\"loaning-rate-row\">\n      <div class=\"loaning-rate-lender\">\n        <strong>Chase<\/strong>\n      <\/div>\n\n      <div class=\"loaning-rate-value\">\n        <span class=\"loaning-mobile-label\">Rate<\/span>\n        <span>6.125%<\/span>\n      <\/div>\n\n      <div class=\"loaning-rate-value\">\n        <span class=\"loaning-mobile-label\">APR<\/span>\n        <span>6.308%<\/span>\n      <\/div>\n\n      <div class=\"loaning-rate-value loaning-rate-point\">\n        <span class=\"loaning-mobile-label\">Points<\/span>\n        <span>$14,000.00<\/span>\n      <\/div>\n    <\/div>\n\n    <!-- SoFi -->\n    <div class=\"loaning-rate-row\">\n      <div class=\"loaning-rate-lender\">\n        <strong>SoFi<\/strong>\n      <\/div>\n\n      <div class=\"loaning-rate-value\">\n        <span class=\"loaning-mobile-label\">Rate<\/span>\n        <span>6.250%<\/span>\n      <\/div>\n\n      <div class=\"loaning-rate-value\">\n        <span class=\"loaning-mobile-label\">APR<\/span>\n        <span>6.465%<\/span>\n      <\/div>\n\n      <div class=\"loaning-rate-value loaning-rate-point\">\n        <span class=\"loaning-mobile-label\">Points<\/span>\n        <span>$12,432.00<\/span>\n      <\/div>\n    <\/div>\n\n    <!-- Wells Fargo -->\n    <div class=\"loaning-rate-row\">\n      <div class=\"loaning-rate-lender\">\n        <strong>Wells Fargo<\/strong>\n      <\/div>\n\n      <div class=\"loaning-rate-value\">\n        <span class=\"loaning-mobile-label\">Rate<\/span>\n        <span>6.500%<\/span>\n      <\/div>\n\n      <div class=\"loaning-rate-value\">\n        <span class=\"loaning-mobile-label\">APR<\/span>\n        <span>6.625%<\/span>\n      <\/div>\n\n      <div class=\"loaning-rate-value loaning-rate-point\">\n        <span class=\"loaning-mobile-label\">Points<\/span>\n        <span>$4,375.00<\/span>\n      <\/div>\n    <\/div>\n\n  <\/div>\n\n  <!-- Assumptions -->\n  <div class=\"loaning-rate-conditions\">\n    <p>\n      * Loaning.ai, Rocket Mortgage, Chase, SoFi, and Wells Fargo:\n      Home price $1,000,000.00 \/ Loan amount $700,000.00\n    <\/p>\n\n    <p>\n      * Updated July 13, 2026 \u2014 U.S. Pacific Time\n    <\/p>\n  <\/div>\n\n<\/section>\n\n<style>\n  .loaning-rate-comparison,\n  .loaning-rate-comparison * {\n    box-sizing: border-box;\n  }\n\n  .loaning-rate-comparison {\n    width: 100%;\n    max-width: 100%;\n    margin: 22px 0;\n    font-family:\n      \"Pretendard\",\n      -apple-system,\n      BlinkMacSystemFont,\n      \"Apple SD Gothic Neo\",\n      \"Segoe UI\",\n      Arial,\n      sans-serif;\n    color: #2f3135;\n  }\n\n  .loaning-rate-table {\n    width: 100%;\n  }\n\n  \/* Header *\/\n  .loaning-rate-header {\n    display: grid;\n    grid-template-columns:\n      minmax(0, 1.2fr)\n      minmax(0, 0.9fr)\n      minmax(0, 0.75fr)\n      minmax(0, 1fr);\n    column-gap: 8px;\n    align-items: center;\n    min-height: 54px;\n    padding: 0 18px;\n    background: #49cd7d;\n    border-radius: 12px;\n    color: #ffffff;\n  }\n\n  .loaning-rate-header > div {\n    min-width: 0;\n    font-size: 13px;\n    line-height: 1.2;\n    font-weight: 700;\n  }\n\n  .loaning-rate-header > div:last-child {\n    text-align: right;\n  }\n\n  \/* Data rows *\/\n  .loaning-rate-row {\n    display: grid;\n    grid-template-columns:\n      minmax(0, 1.2fr)\n      minmax(0, 0.9fr)\n      minmax(0, 0.75fr)\n      minmax(0, 1fr);\n    column-gap: 8px;\n    align-items: center;\n    min-height: 62px;\n    margin-top: 9px;\n    padding: 13px 18px;\n    background: #f0f2f4;\n    border: 1px solid transparent;\n    border-radius: 12px;\n  }\n\n  \/* Loaning.ai green border *\/\n  .loaning-rate-row-featured {\n    border: 2px solid #49cd7d;\n  }\n\n  .loaning-rate-row > div {\n    min-width: 0;\n  }\n\n  .loaning-rate-lender {\n    color: #272a2e;\n    font-size: 13px;\n    line-height: 1.35;\n    font-weight: 700;\n    overflow-wrap: break-word;\n  }\n\n  .loaning-rate-value {\n    color: #303338;\n    font-size: 13px;\n    line-height: 1.35;\n    font-weight: 400;\n    white-space: nowrap;\n  }\n\n  .loaning-rate-point {\n    text-align: right;\n  }\n\n  .loaning-mobile-label {\n    display: none;\n  }\n\n  \/* Small assumption note *\/\n  .loaning-rate-conditions {\n    margin-top: 8px;\n    padding: 0 6px;\n  }\n\n  .loaning-rate-conditions p {\n    margin: 0 0 4px;\n    color: #98a1aa;\n    font-size: 8px;\n    line-height: 1.45;\n    font-weight: 400;\n    letter-spacing: -0.01px;\n  }\n\n  .loaning-rate-conditions p:last-child {\n    margin-bottom: 0;\n  }\n\n  \/* Tablet *\/\n  @media (max-width: 760px) {\n    .loaning-rate-header,\n    .loaning-rate-row {\n      grid-template-columns:\n        minmax(0, 1.15fr)\n        minmax(0, 0.9fr)\n        minmax(0, 0.75fr)\n        minmax(0, 1fr);\n      column-gap: 5px;\n      padding-right: 12px;\n      padding-left: 12px;\n    }\n\n    .loaning-rate-header {\n      min-height: 48px;\n    }\n\n    .loaning-rate-row {\n      min-height: 56px;\n      margin-top: 7px;\n      padding-top: 11px;\n      padding-bottom: 11px;\n    }\n\n    .loaning-rate-header > div,\n    .loaning-rate-lender,\n    .loaning-rate-value {\n      font-size: 11px;\n    }\n\n    .loaning-rate-conditions {\n      margin-top: 7px;\n      padding: 0 4px;\n    }\n\n    .loaning-rate-conditions p {\n      font-size: 7.5px;\n    }\n  }\n\n  \/* Mobile *\/\n  @media (max-width: 560px) {\n    .loaning-rate-header {\n      display: none;\n    }\n\n    .loaning-rate-row {\n      grid-template-columns: repeat(2, minmax(0, 1fr));\n      gap: 10px 14px;\n      min-height: auto;\n      padding: 15px;\n      border-radius: 11px;\n    }\n\n    .loaning-rate-lender {\n      grid-column: 1 \/ -1;\n      padding-bottom: 9px;\n      border-bottom: 1px solid #dce1e5;\n      font-size: 13px;\n    }\n\n    .loaning-rate-value {\n      display: flex;\n      flex-direction: column;\n      gap: 3px;\n      font-size: 12px;\n      white-space: normal;\n      overflow-wrap: anywhere;\n    }\n\n    .loaning-rate-point {\n      text-align: left;\n    }\n\n    .loaning-mobile-label {\n      display: block;\n      color: #828b94;\n      font-size: 8px;\n      line-height: 1.25;\n      font-weight: 700;\n      text-transform: uppercase;\n      letter-spacing: 0.03em;\n    }\n\n    .loaning-rate-conditions {\n      margin-top: 6px;\n      padding: 0 2px;\n    }\n\n    .loaning-rate-conditions p {\n      font-size: 7px;\n      line-height: 1.4;\n    }\n  }\n<\/style>\n\n\n\n<details class=\"mortgage-legal-details\">\n  <summary class=\"mortgage-legal-summary\">\n    Legal Disclosures\n    <span class=\"mortgage-legal-icon\" aria-hidden=\"true\"><\/span>\n  <\/summary>\n\n  <div class=\"mortgage-legal-content\">\n    <p class=\"mortgage-legal-last\">\n      The rates shown here are calculated under the following conditions:\n      30-Year Fixed, Level Payment, U.S. Citizen, tax returns for 2 years or more,\n      Full Documentation, Single-Family Home, Purchase, Primary Residence,\n      Credit Score (FICO) 740, DTI 45%, and LTV 70%.\n      Your actual rate, payment, and costs may differ based on your complete\n      financial profile. This is NOT a mortgage loan approval or a commitment\n      to lend.\n    <\/p>\n  <\/div>\n<\/details>\n\n<style>\n  .mortgage-legal-details,\n  .mortgage-legal-details * {\n    box-sizing: border-box;\n  }\n\n  .mortgage-legal-details {\n    width: 100%;\n    margin: 12px 0 24px;\n    overflow: hidden;\n    background: #eeeeee;\n    border: 1px solid #dddddd;\n    border-radius: 10px;\n    font-family:\n      Pretendard,\n      -apple-system,\n      BlinkMacSystemFont,\n      \"Segoe UI\",\n      Arial,\n      sans-serif;\n  }\n\n  .mortgage-legal-summary {\n    position: relative;\n    display: flex;\n    align-items: center;\n    justify-content: space-between;\n    gap: 12px;\n    width: 100%;\n    padding: 11px 14px;\n    color: #4f5459;\n    font-size: 10px;\n    line-height: 1.4;\n    font-weight: 700;\n    cursor: pointer;\n    list-style: none;\n    user-select: none;\n  }\n\n  .mortgage-legal-summary::-webkit-details-marker {\n    display: none;\n  }\n\n  .mortgage-legal-summary::marker {\n    display: none;\n    content: \"\";\n  }\n\n  .mortgage-legal-summary:hover {\n    background: #e8e8e8;\n  }\n\n  .mortgage-legal-summary:focus-visible {\n    outline: 2px solid #777777;\n    outline-offset: -2px;\n  }\n\n  .mortgage-legal-icon {\n    position: relative;\n    width: 13px;\n    height: 13px;\n    flex: 0 0 13px;\n  }\n\n  .mortgage-legal-icon::before,\n  .mortgage-legal-icon::after {\n    position: absolute;\n    top: 50%;\n    left: 50%;\n    width: 10px;\n    height: 1.5px;\n    background: #686d72;\n    border-radius: 2px;\n    content: \"\";\n    transform: translate(-50%, -50%);\n    transition: transform 0.2s ease;\n  }\n\n  .mortgage-legal-icon::after {\n    transform: translate(-50%, -50%) rotate(90deg);\n  }\n\n  .mortgage-legal-details[open] .mortgage-legal-icon::after {\n    transform: translate(-50%, -50%) rotate(0deg);\n  }\n\n  .mortgage-legal-content {\n    padding: 13px 15px 15px;\n    border-top: 1px solid #dadada;\n  }\n\n  .mortgage-legal-content p {\n    margin: 0;\n    color: #686d72;\n    font-size: 8px;\n    line-height: 1.55;\n    font-weight: 400;\n    letter-spacing: -0.01px;\n  }\n\n  .mortgage-legal-content .mortgage-legal-last {\n    margin-bottom: 0;\n  }\n\n  @media (max-width: 520px) {\n    .mortgage-legal-summary {\n      padding: 10px 12px;\n      font-size: 9px;\n    }\n\n    .mortgage-legal-content {\n      padding: 11px 12px 13px;\n    }\n\n    .mortgage-legal-content p {\n      font-size: 7.5px;\n      line-height: 1.5;\n    }\n  }\n<\/style>\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=lender_compare&amp;utm_content=ccm_mortgage\" style=\"background-color:#49cf7e\"><strong>\ud83d\udc49 Check My Mortgage Rate<\/strong><\/a><\/div>\n<\/div>\n\n\n\n<p class=\"has-white-color has-text-color has-link-color wp-elements-8 wp-block-paragraph\" id=\"h-compare-united-wholesale-mortgage-to-other-lenders\">.<\/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=\"wp-block-paragraph\"><\/p>\n","protected":false},"excerpt":{"rendered":"<p>CrossCountry Mortgage \ubaa8\uae30\uc9c0 \uae08\ub9ac VS Loaning.ai \ubaa8\uae30\uc9c0 \uae08\ub9ac \uc5b4\ub5a4 \uc120\ud0dd\uc774\ub4e0 \ube44\uad50 \ub300\uc0c1\uc774 \ub9ce\uc544\uc9c0\uba74 \ub354 \ub098\uc740 \uacb0\uacfc\ub97c \ub9de\uc774\ud560 \uac00\ub2a5\uc131\uc740 \ub192\uc544\uc9d1\ub2c8\ub2e4. \ud504\ub808\ub514\ub9e5(Freddie Mac)\uc758 \uc5f0\uad6c \uacb0\uacfc\uac00 \uc774\ub97c \uba85\ud655\ud558\uac8c \ub4b7\ubc1b\uce68\ud574 \uc8fc\ub294\ub370\uc694,\uc2e4\uc81c \ub370\uc774\ud130\uc5d0 \ub530\ub974\uba74 4\uacf3 \uc774\uc0c1\uc758 \ub80c\ub354\uc5d0\uac8c 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