{"id":15595,"date":"2026-07-14T18:49:04","date_gmt":"2026-07-14T09:49:04","guid":{"rendered":"https:\/\/blog.loaning.ai\/ko\/?p=15595"},"modified":"2026-07-14T19:47:02","modified_gmt":"2026-07-14T10:47:02","slug":"2026-pennymac-%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\/15595\/","title":{"rendered":"2026 Pennymac \ubaa8\uae30\uc9c0 \uae08\ub9ac"},"content":{"rendered":"\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\" style=\"font-size:16px\">\n<p class=\"wp-block-paragraph\" style=\"font-size:16px\">Pennymac \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 Pennymac\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\">.<\/p>\n\n\n\n<h2 id=\"h-pennymac-\ubaa8\uae30\uc9c0-\uae08\ub9ac-overview\" class=\"wp-block-heading\" style=\"font-size:24px\"><strong>Pennymac \ubaa8\uae30\uc9c0 \uae08\ub9ac : Overview<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Pennymac\ub294 \uc8fc\ub85c \uc628\ub77c\uc778\uc73c\ub85c \uc6b4\uc601\ub418\ub294 \ub300\uaddc\ubaa8 \uc804\uad6d \ubaa8\uae30\uc9c0 \ub300\ucd9c \uae30\uad00\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\uc11c\ube44\uc2a4 \uc9c0\uc5ed<\/strong>: Pennymac\uc740 \ubbf8\uad6d 50\uac1c \uc8fc\uc640 \uc6cc\uc2f1\ud134 D.C.\ub294 \ubb3c\ub860, \uad0c, \ud478\uc5d0\ub974\ud1a0\ub9ac\ucf54, \ubbf8\uad6d\ub839 \ubc84\uc9c4\uc544\uc77c\ub79c\ub4dc \uc804\uc5ed\uc5d0\uc11c \uc11c\ube44\uc2a4\ub97c \uc81c\uacf5\ud560 \uc218 \uc788\ub294 \ub77c\uc774\uc120\uc2a4\ub97c \ubcf4\uc720\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/li>\n\n\n\n<li><strong>\ub514\uc9c0\ud138 \uc11c\ube44\uc2a4<\/strong>: Pennymac\uc740 \ub514\uc9c0\ud138 \ubaa8\uae30\uc9c0 \uc11c\ube44\uc2a4\ub97c \uc804\ubb38\uc73c\ub85c \ud569\ub2c8\ub2e4.<\/li>\n\n\n\n<li><strong>\ubcf8\uc0ac<\/strong>: 3043 Townsgate Road, Suite 200, Westlake Village, CA 91361<\/li>\n\n\n\n<li><strong>\uc6f9\uc0ac\uc774\ud2b8<\/strong>: Pennymac.com<\/li>\n<\/ul>\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-pennymac-\ubaa8\uae30\uc9c0-\uae08\ub9ac\uc640-\uc694\uae08\" class=\"wp-block-heading\" style=\"font-size:24px\"><strong>Pennymac \ubaa8\uae30\uc9c0 \uae08\ub9ac\uc640 \uc694\uae08<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\uce98\ub9ac\ud3ec\ub2c8\uc544\uc8fc \uc624\ub80c\uc9c0 \uce74\uc6b4\ud2f0(Orange County)\uc5d0 \uc704\uce58\ud55c 100\ub9cc \ub2ec\ub7ec \uc0c1\ub2f9\uc758 \uc2e4\uac70\uc8fc \uc8fc\ud0dd\uc744 \uad6c\ub9e4\ud558\ub294 \uc0c1\ud669\uc744 \uc608\ub85c \ub4e4\uc5b4\ubcf4\uaca0\uc2b5\ub2c8\ub2e4. <br>\ucd08\uae30 \uc790\uae08(\ub2e4\uc6b4\ud398\uc774\uba3c\ud2b8) 30%, \ub2f4\ubcf4\uc778\uc815\ube44\uc728(LTV) 70%, FICO \uc2e0\uc6a9\uc810\uc218 740\uc810\uc744 \uae30\uc900\uc73c\ub85c 70\ub9cc \ub2ec\ub7ec\uc758 \ub300\ucd9c\uc744 \ubc1b\uc744 \ub54c, Pennymac\uc774 \uc81c\uc2dc\ud55c \uae08\ub9ac\ub294 \ub2e4\uc74c\uacfc \uac19\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<section class=\"pennymac-rate-section\">\n\n  <div class=\"pennymac-rate-wrap\">\n\n    <!-- Header -->\n    <div class=\"pennymac-rate-header\">\n\n      <div class=\"pennymac-rate-heading\">\n\n        <h2 class=\"pennymac-rate-title\">\n          Conventional Mortgages\n        <\/h2>\n\n        <span class=\"pennymac-rate-promotion\">\n          1% OFF YOUR RATE FOR 1 YEAR + $1,000*\n        <\/span>\n\n      <\/div>\n\n      <p class=\"pennymac-rate-description\">\n        \ub0ae\uc740 \uace0\uc815 \uae08\ub9ac\ub97c \uc81c\uacf5\ud558\uc5ec \uac00\uc7a5 \ub110\ub9ac \uc774\uc6a9\ub418\ub294 \uc8fc\ud0dd \ub300\ucd9c \uc0c1\ud488\uc774\uc5d0\uc694.<br> \uc8fc\ud0dd \uad6c\ub9e4 \uc2dc \ucd5c\uc18c 20%\uc758 \ucd08\uae30 \uc790\uae08(\ub2e4\uc6b4\ud398\uc774\uba3c\ud2b8)\uc744 \ub0a9\ubd80\ud558\uac70\ub098 \ub2f4\ubcf4\uc778\uc815\ube44\uc728(LTV)\uc744 80% \uc774\ud558\ub85c \ub9de\ucd94\uba74 \uc0ac\ubaa8\uae30\uc9c0\ubcf4\ud5d8(PMI) \uac00\uc785 \uc758\ubb34\ub97c \uba74\uc81c\ubc1b\uc744 \uc218 \uc788\ub294\ub370\uc694! <br>\ucc38\uace0\ub85c \uc77c\ubc18 \ubaa8\uae30\uc9c0(Conventional mortgage)\ub294 \uc5f0\ubc29 \uc815\ubd80\uc758 \ubcf4\uc99d\uc774\ub098 \ubcf4\ud5d8 \uc9c0\uc6d0\uc774 \uc801\uc6a9\ub418\uc9c0 \uc54a\ub294 \ub300\ucd9c \uc0c1\ud488\uc785\ub2c8\ub2e4\n      <\/p>\n\n    <\/div>\n\n\n    <!-- Rate Cards -->\n    <div class=\"pennymac-rate-grid\">\n\n      <!-- 30-year fixed -->\n      <article class=\"pennymac-rate-card\">\n\n        <h3 class=\"pennymac-product-title\">\n          30-year fixed\n        <\/h3>\n\n        <div class=\"pennymac-card-divider\"><\/div>\n\n        <div class=\"pennymac-rate-list\">\n\n          <div class=\"pennymac-rate-row\">\n            <span class=\"pennymac-rate-label\">\n              Monthly Payment\n            <\/span>\n\n            <strong class=\"pennymac-rate-value pennymac-payment-value\">\n              $4,310\n            <\/strong>\n          <\/div>\n\n          <div class=\"pennymac-rate-row\">\n            <span class=\"pennymac-rate-label\">Rate<\/span>\n\n            <strong class=\"pennymac-rate-value\">\n              6.250%\n            <\/strong>\n          <\/div>\n\n          <div class=\"pennymac-rate-row\">\n            <span class=\"pennymac-rate-label\">APR<\/span>\n\n            <strong class=\"pennymac-rate-value\">\n              6.371%\n            <\/strong>\n          <\/div>\n\n          <div class=\"pennymac-rate-row\">\n            <span class=\"pennymac-rate-label\">\n              Points \/ Cost\n            <\/span>\n\n            <span class=\"pennymac-rate-value-group\">\n              <strong class=\"pennymac-rate-value\">\n                0.682%\n              <\/strong>\n\n              <small>\n                $4,774\n              <\/small>\n            <\/span>\n          <\/div>\n\n        <\/div>\n\n      <\/article>\n\n\n      <!-- 20-year fixed -->\n      <article class=\"pennymac-rate-card\">\n\n        <h3 class=\"pennymac-product-title\">\n          20-year fixed\n        <\/h3>\n\n        <div class=\"pennymac-card-divider\"><\/div>\n\n        <div class=\"pennymac-rate-list\">\n\n          <div class=\"pennymac-rate-row\">\n            <span class=\"pennymac-rate-label\">\n              Monthly Payment\n            <\/span>\n\n            <strong class=\"pennymac-rate-value pennymac-payment-value\">\n              $4,964\n            <\/strong>\n          <\/div>\n\n          <div class=\"pennymac-rate-row\">\n            <span class=\"pennymac-rate-label\">Rate<\/span>\n\n            <strong class=\"pennymac-rate-value\">\n              5.874%\n            <\/strong>\n          <\/div>\n\n          <div class=\"pennymac-rate-row\">\n            <span class=\"pennymac-rate-label\">APR<\/span>\n\n            <strong class=\"pennymac-rate-value\">\n              6.043%\n            <\/strong>\n          <\/div>\n\n          <div class=\"pennymac-rate-row\">\n            <span class=\"pennymac-rate-label\">\n              Points \/ Cost\n            <\/span>\n\n            <span class=\"pennymac-rate-value-group\">\n              <strong class=\"pennymac-rate-value\">\n                0.789%\n              <\/strong>\n\n              <small>\n                $5,523\n              <\/small>\n            <\/span>\n          <\/div>\n\n        <\/div>\n\n      <\/article>\n\n\n      <!-- 15-year fixed -->\n      <article class=\"pennymac-rate-card\">\n\n        <h3 class=\"pennymac-product-title\">\n          15-year fixed\n        <\/h3>\n\n        <div class=\"pennymac-card-divider\"><\/div>\n\n        <div class=\"pennymac-rate-list\">\n\n          <div class=\"pennymac-rate-row\">\n            <span class=\"pennymac-rate-label\">\n              Monthly Payment\n            <\/span>\n\n            <strong class=\"pennymac-rate-value pennymac-payment-value\">\n              $5,766\n            <\/strong>\n          <\/div>\n\n          <div class=\"pennymac-rate-row\">\n            <span class=\"pennymac-rate-label\">Rate<\/span>\n\n            <strong class=\"pennymac-rate-value\">\n              5.625%\n            <\/strong>\n          <\/div>\n\n          <div class=\"pennymac-rate-row\">\n            <span class=\"pennymac-rate-label\">APR<\/span>\n\n            <strong class=\"pennymac-rate-value\">\n              5.797%\n            <\/strong>\n          <\/div>\n\n          <div class=\"pennymac-rate-row\">\n            <span class=\"pennymac-rate-label\">\n              Points \/ Cost\n            <\/span>\n\n            <span class=\"pennymac-rate-value-group\">\n              <strong class=\"pennymac-rate-value\">\n                0.551%\n              <\/strong>\n\n              <small>\n                $3,857\n              <\/small>\n            <\/span>\n          <\/div>\n\n        <\/div>\n\n      <\/article>\n\n    <\/div>\n\n\n    <!-- Disclosure -->\n    <div class=\"pennymac-rate-disclosure\">\n\n      <p class=\"pennymac-rate-date\">\n        Rates valid as of Sunday, July 12, 2026, at 10:37 PM PDT.\n      <\/p>\n\n      <p>\n        Rates are subject to change without notice. Your actual rate may vary\n        depending on your credit profile, income, debt-to-income ratio, loan\n        amount, down payment, property type, location, occupancy, selected\n        loan program, rate-lock period and final underwriting results.\n      <\/p>\n\n      <p>\n        The mortgage rates and payment examples shown above are based on the\n        assumptions used for the displayed quote and may differ from your\n        actual home loan scenario. Monthly payments may not include property\n        taxes, homeowners insurance, mortgage insurance, HOA dues or other\n        housing-related expenses.\n      <\/p>\n\n      <p>\n        The promotional offer shown above may be subject to separate\n        eligibility requirements, terms, restrictions and expiration dates.\n        Consumers should review Pennymac\u2019s official assumptions and loan\n        disclosures before applying.\n      <\/p>\n\n    <\/div>\n\n  <\/div>\n\n<\/section>\n\n\n<style>\n  .pennymac-rate-section,\n  .pennymac-rate-section * {\n    box-sizing: border-box;\n  }\n\n  .pennymac-rate-section {\n    width: 100%;\n    max-width: 100%;\n    margin: 28px 0;\n    color: #111111;\n    font-family:\n      \"Pretendard\",\n      -apple-system,\n      BlinkMacSystemFont,\n      \"Segoe UI\",\n      Arial,\n      sans-serif;\n  }\n\n  .pennymac-rate-wrap {\n    width: 100%;\n    padding: 28px;\n    background: #f5f5f5;\n    border-radius: 22px;\n  }\n\n  \/*\n   * Header\n   *\/\n  .pennymac-rate-header {\n    margin-bottom: 22px;\n  }\n\n  .pennymac-rate-heading {\n    display: flex;\n    align-items: center;\n    justify-content: space-between;\n    gap: 18px;\n    margin-bottom: 10px;\n  }\n\n  .pennymac-rate-title {\n    margin: 0;\n    color: #073994;\n    font-size: 28px;\n    line-height: 1.25;\n    font-weight: 750;\n    letter-spacing: -0.6px;\n  }\n\n  .pennymac-rate-promotion {\n    display: inline-flex;\n    flex: 0 0 auto;\n    align-items: center;\n    justify-content: center;\n    padding: 6px 12px;\n    color: #ffffff;\n    background: #138b32;\n    border-radius: 999px;\n    font-size: 12px;\n    line-height: 1.2;\n    font-weight: 750;\n    text-align: center;\n    white-space: nowrap;\n  }\n\n  .pennymac-rate-description {\n    max-width: 960px;\n    margin: 0;\n    color: #222222;\n    font-size: 14px;\n    line-height: 1.55;\n    font-weight: 400;\n  }\n\n  \/*\n   * Rate cards\n   *\/\n  .pennymac-rate-grid {\n    display: grid;\n    grid-template-columns: repeat(3, minmax(0, 1fr));\n    gap: 12px;\n    align-items: stretch;\n  }\n\n  .pennymac-rate-card {\n    display: flex;\n    flex-direction: column;\n    min-width: 0;\n    padding: 21px 20px 23px;\n    background: #ffffff;\n    border: 1px solid #e0e0e0;\n    border-radius: 15px;\n  }\n\n  .pennymac-product-title {\n    margin: 0;\n    color: #111111;\n    font-size: 20px;\n    line-height: 1.25;\n    font-weight: 700;\n    letter-spacing: -0.35px;\n    white-space: nowrap;\n  }\n\n  .pennymac-card-divider {\n    width: 100%;\n    height: 1px;\n    margin: 16px 0 8px;\n    background: #dddddd;\n  }\n\n  .pennymac-rate-list {\n    display: flex;\n    flex: 1;\n    flex-direction: column;\n    min-width: 0;\n  }\n\n  .pennymac-rate-row {\n    display: grid;\n    grid-template-columns:\n      minmax(0, 1fr)\n      minmax(90px, auto);\n    align-items: center;\n    gap: 10px;\n    min-width: 0;\n    min-height: 51px;\n    padding: 9px 0;\n    border-bottom: 1px solid #e7e7e7;\n  }\n\n  .pennymac-rate-row:last-child {\n    border-bottom: 0;\n  }\n\n  .pennymac-rate-label {\n    min-width: 0;\n    color: #4e4e4e;\n    font-size: 13px;\n    line-height: 1.35;\n    font-weight: 400;\n    word-break: keep-all;\n  }\n\n  .pennymac-rate-value {\n    display: block;\n    min-width: 0;\n    max-width: 100%;\n    color: #111111;\n    font-size: 16px;\n    line-height: 1.2;\n    font-weight: 750;\n    letter-spacing: -0.25px;\n    text-align: right;\n    white-space: nowrap;\n  }\n\n  .pennymac-payment-value {\n    color: #073994;\n    font-size: 19px;\n  }\n\n  .pennymac-rate-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    text-align: right;\n  }\n\n  .pennymac-rate-value-group small {\n    display: block;\n    color: #777777;\n    font-size: 9px;\n    line-height: 1.3;\n    white-space: nowrap;\n  }\n\n  \/*\n   * Disclosure\n   *\/\n  .pennymac-rate-disclosure {\n    margin-top: 13px;\n    padding: 12px 14px;\n    background: #ebebeb;\n    border-radius: 10px;\n  }\n\n  .pennymac-rate-disclosure p {\n    margin: 0 0 5px;\n    color: #666666;\n    font-size: 8px;\n    line-height: 1.5;\n    font-weight: 400;\n  }\n\n  .pennymac-rate-disclosure p:last-child {\n    margin-bottom: 0;\n  }\n\n  .pennymac-rate-disclosure .pennymac-rate-date {\n    color: #555555;\n    font-weight: 650;\n  }\n\n  \/*\n   * Tablet\n   *\/\n  @media (max-width: 900px) {\n    .pennymac-rate-wrap {\n      padding: 21px;\n      border-radius: 18px;\n    }\n\n    .pennymac-rate-heading {\n      align-items: flex-start;\n    }\n\n    .pennymac-rate-title {\n      font-size: 23px;\n    }\n\n    .pennymac-rate-promotion {\n      padding: 5px 9px;\n      font-size: 9px;\n      white-space: normal;\n    }\n\n    .pennymac-rate-description {\n      font-size: 12px;\n    }\n\n    .pennymac-rate-grid {\n      gap: 9px;\n    }\n\n    .pennymac-rate-card {\n      padding: 18px 14px 20px;\n      border-radius: 13px;\n    }\n\n    .pennymac-product-title {\n      font-size: 17px;\n    }\n\n    .pennymac-rate-row {\n      grid-template-columns:\n        minmax(0, 1fr)\n        minmax(72px, auto);\n      gap: 6px;\n      min-height: 47px;\n      padding: 8px 0;\n    }\n\n    .pennymac-rate-label {\n      font-size: 10px;\n    }\n\n    .pennymac-rate-value {\n      font-size: 13px;\n    }\n\n    .pennymac-payment-value {\n      font-size: 15px;\n    }\n\n    .pennymac-rate-value-group small {\n      font-size: 7.5px;\n    }\n  }\n\n  \/*\n   * Mobile\n   *\/\n  @media (max-width: 620px) {\n    .pennymac-rate-wrap {\n      padding: 16px;\n      border-radius: 17px;\n    }\n\n    .pennymac-rate-heading {\n      flex-direction: column;\n      gap: 9px;\n    }\n\n    .pennymac-rate-title {\n      font-size: 21px;\n    }\n\n    .pennymac-rate-promotion {\n      align-self: flex-start;\n      padding: 5px 10px;\n      font-size: 9px;\n      white-space: normal;\n    }\n\n    .pennymac-rate-description {\n      font-size: 11px;\n      line-height: 1.5;\n    }\n\n    .pennymac-rate-grid {\n      grid-template-columns: 1fr;\n      gap: 9px;\n    }\n\n    .pennymac-rate-card {\n      padding: 19px 18px;\n    }\n\n    .pennymac-product-title {\n      font-size: 18px;\n    }\n\n    .pennymac-rate-row {\n      grid-template-columns:\n        minmax(0, 1fr)\n        minmax(100px, auto);\n      gap: 10px;\n      min-height: 49px;\n      padding: 8px 0;\n    }\n\n    .pennymac-rate-label {\n      font-size: 12px;\n    }\n\n    .pennymac-rate-value {\n      font-size: 15px;\n    }\n\n    .pennymac-payment-value {\n      font-size: 17px;\n    }\n\n    .pennymac-rate-value-group small {\n      font-size: 8px;\n    }\n\n    .pennymac-rate-disclosure {\n      padding: 10px 11px;\n    }\n\n    .pennymac-rate-disclosure p {\n      font-size: 7.5px;\n    }\n  }\n\n  @media (max-width: 360px) {\n    .pennymac-rate-wrap {\n      padding: 13px;\n    }\n\n    .pennymac-rate-card {\n      padding: 17px 14px;\n    }\n\n    .pennymac-rate-title {\n      font-size: 19px;\n    }\n\n    .pennymac-product-title {\n      font-size: 17px;\n    }\n\n    .pennymac-rate-label {\n      font-size: 11px;\n    }\n\n    .pennymac-rate-value {\n      font-size: 14px;\n    }\n\n    .pennymac-payment-value {\n      font-size: 16px;\n    }\n  }\n<\/style>\n\n\n\n<details class=\"mortgage-legal-details\">\n\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\n    <p>\n      The rates and payment examples shown above are provided for illustrative\n      purposes only. They are not a commitment to lend, a rate lock, an\n      approval, or a guarantee of available loan terms.\n    <\/p>\n\n    <p>\n      <strong>General assumptions:<\/strong>\n      The examples reflect the following search criteria: a purchase loan,\n      a $1,000,000 home value, a $700,000 loan amount, a property located in\n      Orange County, California, a 70% loan-to-value ratio (LTV), a 30% down\n      payment, and no cash out.\n    <\/p>\n\n    <p>\n      The property is assumed to be a detached primary residence. The loan is\n      assumed to be in first-lien position, with no prepayment penalty, and the\n      borrower is assumed to have a 740 FICO credit score.\n    <\/p>\n\n    <ul>\n      <li>Closing costs are paid out of pocket.<\/li>\n\n      <li>\n        A tax and homeowners insurance escrow account is assumed to be created.\n      <\/li>\n\n      <li>\n        A Loan Estimate will generally be issued within three business days of\n        application, as applicable.\n      <\/li>\n\n      <li>\n        Not all available loan products, rates, and terms are shown.\n      <\/li>\n\n      <li>\n        All rates and loan programs are subject to underwriting and approval\n        and may change based on the borrower\u2019s credit profile, financial\n        circumstances, property details, and other qualifications.\n      <\/li>\n\n      <li>\n        The displayed monthly payments do not include property taxes,\n        homeowners insurance, mortgage insurance, when applicable, HOA dues,\n        or other housing-related expenses. The actual payment obligation may\n        be greater.\n      <\/li>\n\n      <li>\n        The annual percentage rate (APR) calculations for first-lien mortgage\n        products are based on typical prepaid finance charges. Actual charges\n        may vary based on the terms of the loan and the geographic area.\n      <\/li>\n\n      <li>\n        For adjustable-rate mortgages, the APR, interest rate, and monthly\n        payment may increase after the introductory interest-rate period.\n      <\/li>\n\n      <li>\n        For VA loans, a VA funding fee may be required and may vary. Maximum\n        loan guaranty amounts may vary by county and by the borrower\u2019s\n        available entitlement.\n      <\/li>\n\n      <li>\n        Discount points are charges voluntarily paid to the lender, usually at\n        closing by the borrower or seller, to reduce the interest rate. One\n        point equals 1% of the principal amount of the mortgage.\n      <\/li>\n    <\/ul>\n\n\n    <h3 class=\"mortgage-legal-heading\">\n      Conventional Mortgages\n    <\/h3>\n\n    <p>\n      <strong>30-year fixed:<\/strong>\n      The estimated payment on a $700,000 30-year fixed-rate mortgage is\n      $4,310.02 per month for 360 months, based on a 6.250% interest rate and\n      a 6.371% annual percentage rate (APR). This example assumes a 70% LTV,\n      a 740 FICO credit score, and 0.682 discount points, equal to $4,774,\n      due at closing.\n    <\/p>\n\n    <p>\n      <strong>20-year fixed:<\/strong>\n      The estimated payment on a $700,000 20-year fixed-rate mortgage is\n      $4,964.27 per month for 240 months, based on a 5.874% interest rate and\n      a 6.043% annual percentage rate (APR). This example assumes a 70% LTV,\n      a 740 FICO credit score, and 0.789 discount points, equal to $5,523,\n      due at closing.\n    <\/p>\n\n    <p>\n      <strong>15-year fixed:<\/strong>\n      The estimated payment on a $700,000 15-year fixed-rate mortgage is\n      $5,766.12 per month for 180 months, based on a 5.625% interest rate and\n      a 5.797% annual percentage rate (APR). This example assumes a 70% LTV,\n      a 740 FICO credit score, and 0.551 discount points, equal to $3,857,\n      due at closing.\n    <\/p>\n\n    <p>\n      Interest rates and APRs are different measures. The interest rate\n      represents the cost of borrowing the principal, while the APR may\n      incorporate the interest rate, discount points, and certain lender or\n      loan charges.\n    <\/p>\n\n    <p>\n      Actual rates, APRs, monthly payments, points, credits, closing costs, and\n      eligibility may vary based on market conditions, quote date and time,\n      credit history, income, assets, debt obligations, purchase price, loan\n      amount, LTV, occupancy, property type, location, loan program, rate-lock\n      period, escrow requirements, and final underwriting results.\n    <\/p>\n\n    <p>\n      Rates and pricing are subject to change without notice. The mortgage\n      examples shown above are based on the stated assumptions and may differ\n      from the terms available for an individual borrower\u2019s actual home loan\n      scenario.\n    <\/p>\n\n    <p class=\"mortgage-legal-last\">\n      Pennymac rates shown are valid as of Sunday, July 12, 2026, at 10:37 PM\n      PDT. Consumers should request and review an official Loan Estimate before\n      selecting a mortgage.\n    <\/p>\n\n  <\/div>\n\n<\/details>\n\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 0 8px;\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 strong {\n    color: #53585d;\n    font-weight: 650;\n  }\n\n  .mortgage-legal-heading {\n    margin: 13px 0 8px;\n    color: #4f5459;\n    font-size: 9px;\n    line-height: 1.4;\n    font-weight: 700;\n  }\n\n  .mortgage-legal-content ul {\n    margin: 2px 0 10px;\n    padding-left: 17px;\n  }\n\n  .mortgage-legal-content li {\n    margin: 3px 0;\n    padding-left: 1px;\n    color: #686d72;\n    font-size: 8px;\n    line-height: 1.5;\n    font-weight: 400;\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    .mortgage-legal-content li {\n      font-size: 7.5px;\n      line-height: 1.5;\n    }\n\n    .mortgage-legal-heading {\n      font-size: 8.5px;\n    }\n\n    .mortgage-legal-content ul {\n      padding-left: 15px;\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=lender_compare_pennymac\">\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=lender_compare_pennymac\">\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=lender_compare_pennymac\">\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=lender_compare_pennymac\">\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-3 wp-block-paragraph\">.<\/p>\n\n\n\n<h2 id=\"h-pennymac\uac00-\uc81c\uacf5\ud558\ub294-\ubaa8\uae30\uc9c0-\uc0c1\ud488-\uc885\ub958\" class=\"wp-block-heading\" style=\"font-size:24px\"><strong>Pennymac\uac00 \uc81c\uacf5\ud558\ub294 \ubaa8\uae30\uc9c0 \uc0c1\ud488 \uc885\ub958<\/strong><\/h2>\n\n\n\n<div class=\"pennymac-product-table\">\n\n  <table>\n\n    <colgroup>\n      <col class=\"pennymac-col-product\">\n      <col class=\"pennymac-col-options\">\n      <col class=\"pennymac-col-requirements\">\n      <col class=\"pennymac-col-notes\">\n    <\/colgroup>\n\n    <thead>\n      <tr>\n        <th scope=\"col\">Loan Product<\/th>\n        <th scope=\"col\">Available Options<\/th>\n        <th scope=\"col\">Key Qualification Requirements<\/th>\n        <th scope=\"col\">Key Features<\/th>\n      <\/tr>\n    <\/thead>\n\n    <tbody>\n\n      <!-- Conventional loans -->\n      <tr>\n        <th scope=\"row\">\n          Conventional Loans\n        <\/th>\n\n        <td>\n          <span class=\"pennymac-table-primary\">\n            \uc8fc\ud0dd \uad6c\ub9e4 \ubc0f \ub9ac\ud30c\uc774\ub0b8\uc2a4\n          <\/span>\n\n          <span class=\"pennymac-table-secondary\">\n            \uace0\uc815\uae08\ub9ac, \ubcc0\ub3d9\uae08\ub9ac, \ud604\uae08 \uc778\ucd9c \ub9ac\ud30c\uc774\ub0b8\uc2a4 \ubc0f\n            FHA \ub300\ucd9c\uc5d0\uc11c \uc77c\ubc18 \ub300\ucd9c\ub85c\uc758 \ub9ac\ud30c\uc774\ub0b8\uc2a4\n          <\/span>\n        <\/td>\n\n        <td>\n          <ul class=\"pennymac-requirement-list\">\n            <li>\uc2e0\uc6a9\uc810\uc218 620\uc810 \uc774\uc0c1<\/li>\n            <li>\ucd5c\uc18c 3% \ub2e4\uc6b4\ud398\uc774\uba3c\ud2b8<\/li>\n            <li>\uc18c\ub4dd \uc99d\ube59 \ud544\uc694<\/li>\n            <li>\ucd5c\uc18c 2\uac1c\uc6d4\ubd84\uc758 \ud604\uae08 \uc900\ube44\uae08 \ud544\uc694<\/li>\n            <li>DTI\ub294 \uc77c\ubc18\uc801\uc73c\ub85c 45% \uc774\ud558\uc774\uba70, \uacbd\uc6b0\uc5d0 \ub530\ub77c 50%\uae4c\uc9c0 \ud5c8\uc6a9<\/li>\n          <\/ul>\n        <\/td>\n\n        <td>\n          \uc77c\ubc18 \ub300\ucd9c \uc2ec\uc0ac \uc694\uac74\uc744 \ucda9\uc871\ud558\ub294 \ucc28\uc785\uc790\uc5d0\uac8c \ub110\ub9ac \ud65c\uc6a9\ub418\ub294\n          \ub300\ucd9c \uc0c1\ud488\uc785\ub2c8\ub2e4. \ub2e4\uc6b4\ud398\uc774\uba3c\ud2b8\uac00 20% \ubbf8\ub9cc\uc778 \uacbd\uc6b0\n          \ubbfc\uac04 \ubaa8\uae30\uc9c0 \ubcf4\ud5d8(PMI)\uc774 \uc801\uc6a9\ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4.\n        <\/td>\n      <\/tr>\n\n\n      <!-- FHA loans -->\n      <tr>\n        <th scope=\"row\">\n          FHA Loans\n        <\/th>\n\n        <td>\n          <span class=\"pennymac-table-primary\">\n            \uc8fc\ud0dd \uad6c\ub9e4 \ubc0f \ub9ac\ud30c\uc774\ub0b8\uc2a4\n          <\/span>\n\n          <span class=\"pennymac-table-secondary\">\n            FHA \uc8fc\ud0dd \uad6c\ub9e4 \ub300\ucd9c, \uac04\uc18c\ud654 \ub9ac\ud30c\uc774\ub0b8\uc2a4 \ubc0f\n            \ud604\uae08 \uc778\ucd9c \ub9ac\ud30c\uc774\ub0b8\uc2a4\n          <\/span>\n        <\/td>\n\n        <td>\n          <ul class=\"pennymac-requirement-list\">\n            <li>\ucd5c\uc18c 3.5% \ub2e4\uc6b4\ud398\uc774\uba3c\ud2b8<\/li>\n            <li>\uad6c\ub9e4\ud558\ub294 \uc8fc\ud0dd\uc744 \ucc28\uc785\uc790\uc758 \uac70\uc8fc\uc9c0\ub85c \uc0ac\uc6a9\ud574\uc57c \ud568<\/li>\n            <li>\n              \uc2e0\uc6a9 \uc774\ub825\uacfc \ub300\ucd9c \uc2ec\uc0ac \uacb0\uacfc\uc5d0 \ub530\ub77c DTI\uac00\n              \uc57d 50%~55%\uae4c\uc9c0 \ud5c8\uc6a9\ub420 \uc218 \uc788\uc74c\n            <\/li>\n          <\/ul>\n        <\/td>\n\n        <td>\n          \ube44\uad50\uc801 \uc720\uc5f0\ud55c \uc790\uaca9 \uc694\uac74\uc744 \uc81c\uacf5\ud558\ub294 \uc815\ubd80 \ubcf4\uc99d \ub300\ucd9c\uc785\ub2c8\ub2e4.\n          \uc77c\ubc18\uc801\uc73c\ub85c \uc120\ub0a9 \ubaa8\uae30\uc9c0 \ubcf4\ud5d8\ub8cc\uc640 \uc5f0\uac04 \ubaa8\uae30\uc9c0 \ubcf4\ud5d8\ub8cc\uac00\n          \uc801\uc6a9\ub429\ub2c8\ub2e4.\n        <\/td>\n      <\/tr>\n\n\n      <!-- VA loans -->\n      <tr>\n        <th scope=\"row\">\n          VA Loans\n        <\/th>\n\n        <td>\n          <span class=\"pennymac-table-primary\">\n            \uc8fc\ud0dd \uad6c\ub9e4 \ubc0f \ub9ac\ud30c\uc774\ub0b8\uc2a4\n          <\/span>\n\n          <span class=\"pennymac-table-secondary\">\n            VA \uc8fc\ud0dd \uad6c\ub9e4 \ub300\ucd9c, \uae08\ub9ac \uc778\ud558 \ub9ac\ud30c\uc774\ub0b8\uc2a4 \ub300\ucd9c(IRRRL) \ubc0f\n            VA \ud604\uae08 \uc778\ucd9c \ub9ac\ud30c\uc774\ub0b8\uc2a4\n          <\/span>\n        <\/td>\n\n        <td>\n          <ul class=\"pennymac-requirement-list\">\n            <li>\ud3c9\uc2dc \uae30\uc900 181\uc77c \uc774\uc0c1\uc758 \ud604\uc5ed \ubcf5\ubb34<\/li>\n            <li>\uc804\uc2dc \uae30\uc900 90\uc77c \uc774\uc0c1\uc758 \ud604\uc5ed \ubcf5\ubb34<\/li>\n            <li>\uc608\ube44\uad70 \ub610\ub294 \uc8fc\ubc29\uc704\uad70\uc5d0\uc11c 6\ub144 \uc774\uc0c1 \ubcf5\ubb34<\/li>\n            <li>\uc77c\uc815 \uc694\uac74\uc744 \ucda9\uc871\ud558\ub294 \uad70\uc778\uc758 \uc0dd\uc874 \ubc30\uc6b0\uc790\ub3c4 \uc2e0\uccad \uac00\ub2a5<\/li>\n          <\/ul>\n        <\/td>\n\n        <td>\n          \uc790\uaca9\uc744 \uac16\ucd98 \ud604\uc5ed \uad70\uc778, \uc7ac\ud5a5\uad70\uc778 \ubc0f \uc77c\ubd80 \uc0dd\uc874 \ubc30\uc6b0\uc790\uac00\n          \uc774\uc6a9\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uacbd\uc7c1\ub825 \uc788\ub294 \uae08\ub9ac\uac00 \uc81c\uacf5\ub420 \uc218 \uc788\uc73c\uba70,\n          \uc790\uaca9\uc744 \ucda9\uc871\ud558\uba74 \ub2e4\uc6b4\ud398\uc774\uba3c\ud2b8 \uc5c6\uc774 \ub300\ucd9c\ubc1b\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4.\n        <\/td>\n      <\/tr>\n\n\n      <!-- USDA loans -->\n      <tr>\n        <th scope=\"row\">\n          USDA Streamline Refinance\n        <\/th>\n\n        <td>\n          <span class=\"pennymac-table-primary\">\n            \ub9ac\ud30c\uc774\ub0b8\uc2a4 \uc804\uc6a9\n          <\/span>\n\n          <span class=\"pennymac-table-secondary\">\n            USDA Streamlined Assist \ub9ac\ud30c\uc774\ub0b8\uc2a4 \uc0c1\ud488\uc785\ub2c8\ub2e4.\n            \ucc38\uace0\ud55c Pennymac \uc0c1\ud488 \uc815\ubcf4\uc5d0\ub294 USDA \uc8fc\ud0dd \uad6c\ub9e4 \ub300\ucd9c\uc774\n            \ud3ec\ud568\ub418\uc5b4 \uc788\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4.\n          <\/span>\n        <\/td>\n\n        <td>\n          <ul class=\"pennymac-requirement-list\">\n            <li>\ud574\ub2f9 \uc8fc\ud0dd\uc774 \ucc28\uc785\uc790\uc758 \uc8fc \uac70\uc8fc\uc9c0\uc5ec\uc57c \ud568<\/li>\n            <li>\uae30\uc874 \ubaa8\uae30\uc9c0\uac00 USDA \ub300\ucd9c\uc774\uc5b4\uc57c \ud568<\/li>\n            <li>\ucd5c\uadfc \ubaa8\uae30\uc9c0 \ub0a9\ubd80 \ub0b4\uc5ed\uc774 \uc5f0\uccb4 \uc5c6\uc774 \uc815\uc0c1\uc801\uc73c\ub85c \uc720\uc9c0\ub418\uc5b4\uc57c \ud568<\/li>\n            <li>\uc18c\ub4dd, DTI \ubc0f \uc2e0\uc6a9 \uc2b9\uc778 \uc694\uac74\uc774 \uc801\uc6a9\ub428<\/li>\n          <\/ul>\n        <\/td>\n\n        <td>\n          \uae30\uc874 USDA \ub300\ucd9c\uc790\uac00 \uac04\uc18c\ud654\ub41c \ub9ac\ud30c\uc774\ub0b8\uc2a4 \uc808\ucc28\ub97c \ud1b5\ud574\n          \uae08\ub9ac\ub098 \uc6d4 \ub0a9\uc785\uae08\uc744 \ub0ae\ucd9c \uc218 \uc788\ub3c4\ub85d \uc124\uacc4\ub41c \uc0c1\ud488\uc785\ub2c8\ub2e4.\n        <\/td>\n      <\/tr>\n\n\n      <!-- Jumbo loans -->\n      <tr>\n        <th scope=\"row\">\n          Jumbo Loans\n        <\/th>\n\n        <td>\n          <span class=\"pennymac-table-primary\">\n            \uc8fc\ud0dd \uad6c\ub9e4 \ubc0f \ub9ac\ud30c\uc774\ub0b8\uc2a4\n          <\/span>\n\n          <span class=\"pennymac-table-secondary\">\n            \uc810\ubcf4 \uc8fc\ud0dd \uad6c\ub9e4 \ub300\ucd9c, \uc810\ubcf4 \ub9ac\ud30c\uc774\ub0b8\uc2a4 \ubc0f\n            \uc810\ubcf4 \ud604\uae08 \uc778\ucd9c \ub9ac\ud30c\uc774\ub0b8\uc2a4\n          <\/span>\n        <\/td>\n\n        <td>\n          <ul class=\"pennymac-requirement-list\">\n            <li>\ucd5c\uc18c \uc2e0\uc6a9\uc810\uc218 700\uc810<\/li>\n            <li>\uc57d 10.01% \uc774\uc0c1\uc758 \ub2e4\uc6b4\ud398\uc774\uba3c\ud2b8<\/li>\n            <li>\uc57d 9~12\uac1c\uc6d4\ubd84\uc758 \ud604\uae08 \uc900\ube44\uae08<\/li>\n            <li>DTI 43% \uc774\ud558<\/li>\n            <li>\uc18c\ub4dd \uc99d\ube59 \ud544\uc694<\/li>\n          <\/ul>\n        <\/td>\n\n        <td>\n          \uc801\uc6a9\ub418\ub294 \ucee8\ud3ec\ubc0d \ub300\ucd9c \ud55c\ub3c4\ub97c \ucd08\uacfc\ud558\ub294 \ub300\ucd9c \uae08\uc561\uc744 \uc704\ud55c\n          \uc0c1\ud488\uc785\ub2c8\ub2e4. \uc77c\ubc18 \ucee8\ubca4\uc154\ub110 \ub300\ucd9c\ubcf4\ub2e4 \uc790\uaca9 \uc2ec\uc0ac \uae30\uc900\uc774\n          \ub354 \uc5c4\uaca9\ud55c \ud3b8\uc785\ub2c8\ub2e4.\n        <\/td>\n      <\/tr>\n\n\n      <!-- Home equity loans -->\n      <tr>\n        <th scope=\"row\">\n          Home Equity Loans\n        <\/th>\n\n        <td>\n          <span class=\"pennymac-table-primary\">\n            \uc77c\uc2dc\uae08 \ud615\ud0dc\uc758 \uc8fc\ud0dd \uc790\uc0b0 \ub300\ucd9c\n          <\/span>\n\n          <span class=\"pennymac-table-secondary\">\n            \uace0\uc815 \uc0c1\ud658 \ubc29\uc2dd\uc758 \ud648 \uc5d0\ud034\ud2f0 \ub300\ucd9c\uc774\uba70,\n            \ud604\uc7ac HELOC \uc0c1\ud488\uc740 \uc81c\uacf5\ud558\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4.\n          <\/span>\n        <\/td>\n\n        <td>\n          <ul class=\"pennymac-requirement-list\">\n            <li>\uc8fc\ud0dd\uc5d0 \ucd5c\uc18c 15% \uc774\uc0c1\uc758 \uc5d0\ud034\ud2f0 \ubcf4\uc720<\/li>\n            <li>\uc2e0\uc6a9, \uc18c\ub4dd \ubc0f \uc8fc\ud0dd\uc5d0 \ub300\ud55c \uc2b9\uc778 \uc694\uac74\uc774 \uc801\uc6a9\ub428<\/li>\n          <\/ul>\n        <\/td>\n\n        <td>\n          \uc790\uaca9\uc744 \ucda9\uc871\ud55c \uc8fc\ud0dd \uc18c\uc720\uc790\uac00 \uae30\uc874 1\uc21c\uc704 \ubaa8\uae30\uc9c0\ub97c\n          \uad50\uccb4\ud558\uc9c0 \uc54a\uace0\ub3c4 \ubcf4\uc720\ud55c \uc8fc\ud0dd \uc5d0\ud034\ud2f0\uc758 \uc77c\ubd80\ub97c\n          \ud65c\uc6a9\ud560 \uc218 \uc788\ub3c4\ub85d \ud558\ub294 \uc0c1\ud488\uc785\ub2c8\ub2e4.\n        <\/td>\n      <\/tr>\n\n    <\/tbody>\n\n  <\/table>\n\n\n  <!-- Disclosure -->\n  <div class=\"pennymac-product-disclosure\">\n\n    <p>\n      The information above summarizes Pennymac loan products and general\n      qualification criteria shown in the referenced materials. It is provided\n      for general informational purposes only and is not a commitment to lend,\n      an approval or a guarantee of available loan terms.\n    <\/p>\n\n    <p>\n      Minimum credit scores, down payments, debt-to-income limits, cash\n      reserves, equity requirements and eligible loan amounts may vary by loan\n      purpose, borrower qualifications, property type, occupancy, location,\n      automated underwriting findings and current program guidelines.\n      Additional conditions may apply.\n    <\/p>\n\n  <\/div>\n\n<\/div>\n\n\n<style>\n  .pennymac-product-table,\n  .pennymac-product-table * {\n    box-sizing: border-box;\n  }\n\n  .pennymac-product-table {\n    width: 100%;\n    max-width: 100%;\n    margin: 20px 0 26px;\n    overflow: hidden;\n    background-color: #ffffff;\n    border: 1px solid #dbeafe;\n    border-radius: 12px;\n    box-shadow: 0 6px 20px rgba(37, 99, 235, 0.05);\n    font-family:\n      \"Pretendard\",\n      -apple-system,\n      BlinkMacSystemFont,\n      \"Apple SD Gothic Neo\",\n      \"Segoe UI\",\n      Arial,\n      sans-serif;\n  }\n\n  .pennymac-product-table table {\n    display: table;\n    width: 100% !important;\n    max-width: 100% !important;\n    min-width: 0 !important;\n    margin: 0 !important;\n    padding: 0;\n    table-layout: fixed;\n    border-collapse: collapse;\n    border-spacing: 0;\n    border: 0;\n  }\n\n  .pennymac-col-product {\n    width: 18%;\n  }\n\n  .pennymac-col-options {\n    width: 25%;\n  }\n\n  .pennymac-col-requirements {\n    width: 32%;\n  }\n\n  .pennymac-col-notes {\n    width: 25%;\n  }\n\n  .pennymac-product-table th,\n  .pennymac-product-table td {\n    min-width: 0;\n    padding: 17px 15px;\n    vertical-align: top;\n    text-align: left;\n    border-right: 1px solid #e5edf8;\n    border-bottom: 1px solid #e5edf8;\n    white-space: normal;\n    word-break: normal;\n    overflow-wrap: break-word;\n  }\n\n  .pennymac-product-table th:last-child,\n  .pennymac-product-table td:last-child {\n    border-right: 0;\n  }\n\n  .pennymac-product-table thead th {\n    vertical-align: middle;\n    background-color: #f3f8ff;\n    color: #1f2937;\n    font-size: 13px;\n    line-height: 1.35;\n    font-weight: 750;\n  }\n\n  .pennymac-product-table tbody th {\n    color: #1f2937;\n    font-size: 13px;\n    line-height: 1.4;\n    font-weight: 750;\n  }\n\n  .pennymac-product-table tbody td {\n    color: #4b5563;\n    font-size: 12px;\n    line-height: 1.5;\n    font-weight: 400;\n  }\n\n  .pennymac-product-table tbody tr:nth-child(odd) th,\n  .pennymac-product-table tbody tr:nth-child(odd) td {\n    background-color: #f9fbff;\n  }\n\n  .pennymac-product-table tbody tr:nth-child(even) th,\n  .pennymac-product-table tbody tr:nth-child(even) td {\n    background-color: #ffffff;\n  }\n\n  .pennymac-product-table tbody tr:last-child th,\n  .pennymac-product-table tbody tr:last-child td {\n    border-bottom: 0;\n  }\n\n  .pennymac-table-primary,\n  .pennymac-table-secondary {\n    display: block;\n  }\n\n  .pennymac-table-primary {\n    margin-bottom: 4px;\n    color: #1f2937;\n    font-weight: 700;\n  }\n\n  .pennymac-table-secondary {\n    color: #667085;\n    font-size: 11px;\n    line-height: 1.45;\n  }\n\n  .pennymac-requirement-list {\n    margin: 0;\n    padding-left: 16px;\n  }\n\n  .pennymac-requirement-list li {\n    margin: 0 0 5px;\n    padding-left: 1px;\n  }\n\n  .pennymac-requirement-list li:last-child {\n    margin-bottom: 0;\n  }\n\n  .pennymac-product-disclosure {\n    padding: 12px 16px;\n    background-color: #eef2f7;\n    border-top: 1px solid #dbeafe;\n  }\n\n  .pennymac-product-disclosure p {\n    margin: 0 0 5px;\n    color: #4b5563;\n    font-size: 8px;\n    line-height: 1.55;\n    font-weight: 500;\n    white-space: normal;\n    overflow-wrap: break-word;\n  }\n\n  .pennymac-product-disclosure p:last-child {\n    margin-bottom: 0;\n  }\n\n  @media (max-width: 900px) {\n    .pennymac-col-product {\n      width: 18%;\n    }\n\n    .pennymac-col-options {\n      width: 24%;\n    }\n\n    .pennymac-col-requirements {\n      width: 34%;\n    }\n\n    .pennymac-col-notes {\n      width: 24%;\n    }\n\n    .pennymac-product-table th,\n    .pennymac-product-table td {\n      padding: 14px 10px;\n    }\n\n    .pennymac-product-table thead th,\n    .pennymac-product-table tbody th {\n      font-size: 11px;\n    }\n\n    .pennymac-product-table tbody td {\n      font-size: 10.5px;\n    }\n\n    .pennymac-table-secondary {\n      font-size: 9.5px;\n    }\n  }\n\n  @media (max-width: 620px) {\n    .pennymac-product-table {\n      overflow: visible;\n      background: transparent;\n      border: 0;\n      border-radius: 0;\n      box-shadow: none;\n    }\n\n    .pennymac-product-table table,\n    .pennymac-product-table thead,\n    .pennymac-product-table tbody,\n    .pennymac-product-table tr,\n    .pennymac-product-table th,\n    .pennymac-product-table td {\n      display: block;\n      width: 100% !important;\n    }\n\n    .pennymac-product-table colgroup,\n    .pennymac-product-table thead {\n      display: none;\n    }\n\n    .pennymac-product-table tbody tr {\n      margin-bottom: 10px;\n      overflow: hidden;\n      background: #ffffff;\n      border: 1px solid #dbeafe;\n      border-radius: 12px;\n      box-shadow: 0 4px 14px rgba(37, 99, 235, 0.04);\n    }\n\n    .pennymac-product-table tbody tr:last-child {\n      margin-bottom: 0;\n    }\n\n    .pennymac-product-table tbody th,\n    .pennymac-product-table tbody td,\n    .pennymac-product-table tbody tr:nth-child(odd) th,\n    .pennymac-product-table tbody tr:nth-child(odd) td,\n    .pennymac-product-table tbody tr:nth-child(even) th,\n    .pennymac-product-table tbody tr:nth-child(even) td {\n      background: #ffffff;\n      border-right: 0;\n    }\n\n    .pennymac-product-table tbody th {\n      padding: 14px 15px;\n      background: #f3f8ff !important;\n      border-bottom: 1px solid #dbeafe;\n      font-size: 14px;\n    }\n\n    .pennymac-product-table tbody td {\n      position: relative;\n      padding: 30px 15px 13px;\n      border-bottom: 1px solid #e5edf8;\n      font-size: 12px;\n      line-height: 1.5;\n    }\n\n    .pennymac-product-table tbody td:last-child {\n      border-bottom: 0;\n    }\n\n    .pennymac-product-table tbody td::before {\n      position: absolute;\n      top: 10px;\n      left: 15px;\n      color: #1f2937;\n      font-size: 9px;\n      line-height: 1.3;\n      font-weight: 750;\n      text-transform: uppercase;\n      letter-spacing: 0.25px;\n    }\n\n    .pennymac-product-table tbody td:nth-of-type(1)::before {\n      content: \"Available Options\";\n    }\n\n    .pennymac-product-table tbody td:nth-of-type(2)::before {\n      content: \"Key Requirements\";\n    }\n\n    .pennymac-product-table tbody td:nth-of-type(3)::before {\n      content: \"Key Features\";\n    }\n\n    .pennymac-table-secondary {\n      font-size: 10.5px;\n    }\n\n    .pennymac-product-disclosure {\n      margin-top: 10px;\n      padding: 10px 11px;\n      border: 1px solid #dbeafe;\n      border-radius: 10px;\n    }\n\n    .pennymac-product-disclosure p {\n      font-size: 7.5px;\n      line-height: 1.5;\n    }\n  }\n<\/style>\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-pennymac-\ubaa8\uae30\uc9c0-\uc790\uaca9-\uc694\uac74\" class=\"wp-block-heading\" style=\"font-size:24px\"><strong>Pennymac \ubaa8\uae30\uc9c0 \uc790\uaca9 \uc694\uac74<\/strong><\/h2>\n\n\n\n<div class=\"pennymac-qualification-table\">\n\n  <table>\n\n    <colgroup>\n      <col class=\"pennymac-qualification-col-category\">\n      <col class=\"pennymac-qualification-col-details\">\n    <\/colgroup>\n\n    <thead>\n      <tr>\n        <th scope=\"col\">\uc790\uaca9 \uc694\uac74 \ud56d\ubaa9<\/th>\n        <th scope=\"col\">Pennymac Requirements<\/th>\n      <\/tr>\n    <\/thead>\n\n    <tbody>\n\n      <!-- Credit score -->\n      <tr>\n        <th scope=\"row\">\ucd5c\uc18c \uc2e0\uc6a9\uc810\uc218<\/th>\n\n        <td>580 to 620<\/td>\n      <\/tr>\n\n      <!-- DTI ratio -->\n      <tr>\n        <th scope=\"row\">\ucd5c\ub300 DTI \ube44\uc728<\/th>\n\n        <td>\n          <strong>Conventional:<\/strong> 45% (50% in some cases)<br>\n          <strong>FHA:<\/strong> 50% to 55%<br>\n          <strong>VA:<\/strong> N\/A<br>\n          <strong>USDA:<\/strong> N\/A<br>\n          <strong>Jumbo:<\/strong> 43%\n        <\/td>\n      <\/tr>\n\n      <!-- Down payment -->\n      <tr>\n        <th scope=\"row\">\ucd5c\uc18c \ub2e4\uc6b4\ud398\uc774\uba3c\ud2b8<\/th>\n\n        <td>\n          <strong>Conventional:<\/strong> 3%<br>\n          <strong>FHA:<\/strong> 3.5%<br>\n          <strong>VA:<\/strong> 0%<br>\n          <strong>USDA:<\/strong> N\/A<br>\n          <strong>Jumbo:<\/strong> 10.01%\n        <\/td>\n      <\/tr>\n\n    <\/tbody>\n\n  <\/table>\n\n<\/div>\n\n\n<style>\n  .pennymac-qualification-table,\n  .pennymac-qualification-table * {\n    box-sizing: border-box;\n  }\n\n  .pennymac-qualification-table {\n    width: 100%;\n    max-width: 100%;\n    margin: 20px 0 26px;\n    overflow: hidden;\n    background: #ffffff;\n    border: 1px solid #dbeafe;\n    border-radius: 12px;\n    box-shadow: 0 6px 20px rgba(37, 99, 235, 0.05);\n    font-family:\n      \"Pretendard\",\n      -apple-system,\n      BlinkMacSystemFont,\n      \"Apple SD Gothic Neo\",\n      \"Segoe UI\",\n      Arial,\n      sans-serif;\n  }\n\n  .pennymac-qualification-table table {\n    width: 100%;\n    margin: 0;\n    table-layout: fixed;\n    border-collapse: collapse;\n    border-spacing: 0;\n  }\n\n  .pennymac-qualification-col-category {\n    width: 40%;\n  }\n\n  .pennymac-qualification-col-details {\n    width: 60%;\n  }\n\n  .pennymac-qualification-table th,\n  .pennymac-qualification-table td {\n    padding: 18px 18px;\n    vertical-align: top;\n    text-align: left;\n    border-right: 1px solid #e5edf8;\n    border-bottom: 1px solid #e5edf8;\n    white-space: normal;\n    overflow-wrap: break-word;\n  }\n\n  .pennymac-qualification-table th:last-child,\n  .pennymac-qualification-table td:last-child {\n    border-right: 0;\n  }\n\n  .pennymac-qualification-table thead th {\n    vertical-align: middle;\n    background: #f3f8ff;\n    color: #1f2937;\n    font-size: 13px;\n    line-height: 1.35;\n    font-weight: 750;\n  }\n\n  .pennymac-qualification-table tbody th {\n    color: #374151;\n    font-size: 14px;\n    line-height: 1.45;\n    font-weight: 750;\n  }\n\n  .pennymac-qualification-table tbody td {\n    color: #4b5563;\n    font-size: 13px;\n    line-height: 1.55;\n    font-weight: 400;\n  }\n\n  .pennymac-qualification-table tbody td strong {\n    color: #374151;\n    font-weight: 700;\n  }\n\n  .pennymac-qualification-table tbody tr:nth-child(odd) th,\n  .pennymac-qualification-table tbody tr:nth-child(odd) td {\n    background: #f9fbff;\n  }\n\n  .pennymac-qualification-table tbody tr:nth-child(even) th,\n  .pennymac-qualification-table tbody tr:nth-child(even) td {\n    background: #ffffff;\n  }\n\n  .pennymac-qualification-table tbody tr:last-child th,\n  .pennymac-qualification-table tbody tr:last-child td {\n    border-bottom: 0;\n  }\n\n  @media (max-width: 760px) {\n    .pennymac-qualification-col-category {\n      width: 36%;\n    }\n\n    .pennymac-qualification-col-details {\n      width: 64%;\n    }\n\n    .pennymac-qualification-table th,\n    .pennymac-qualification-table td {\n      padding: 14px 11px;\n    }\n\n    .pennymac-qualification-table thead th,\n    .pennymac-qualification-table tbody th {\n      font-size: 11px;\n    }\n\n    .pennymac-qualification-table tbody td {\n      font-size: 11px;\n    }\n  }\n\n  @media (max-width: 520px) {\n    .pennymac-qualification-table {\n      overflow: visible;\n      border: 0;\n      border-radius: 0;\n      box-shadow: none;\n    }\n\n    .pennymac-qualification-table table,\n    .pennymac-qualification-table thead,\n    .pennymac-qualification-table tbody,\n    .pennymac-qualification-table tr,\n    .pennymac-qualification-table th,\n    .pennymac-qualification-table td {\n      display: block;\n      width: 100%;\n    }\n\n    .pennymac-qualification-table colgroup,\n    .pennymac-qualification-table thead {\n      display: none;\n    }\n\n    .pennymac-qualification-table tbody tr {\n      margin-bottom: 10px;\n      overflow: hidden;\n      background: #ffffff;\n      border: 1px solid #dbeafe;\n      border-radius: 12px;\n    }\n\n    .pennymac-qualification-table tbody tr:last-child {\n      margin-bottom: 0;\n    }\n\n    .pennymac-qualification-table tbody th {\n      padding: 13px 15px;\n      background: #f3f8ff !important;\n      border-right: 0;\n      border-bottom: 1px solid #dbeafe;\n      font-size: 14px;\n    }\n\n    .pennymac-qualification-table tbody td {\n      padding: 13px 15px;\n      background: #ffffff !important;\n      border-right: 0;\n      border-bottom: 0;\n      font-size: 12px;\n      line-height: 1.55;\n    }\n  }\n<\/style>\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-pennymac-\ubaa8\uae30\uc9c0-\ub300\ucd9c-\uc2e0\uccad-\ubc29\ubc95\" class=\"wp-block-heading\" style=\"font-size:24px\"><strong><strong>Pennymac \ubaa8\uae30\uc9c0 \ub300\ucd9c \uc2e0\uccad \ubc29\ubc95<\/strong><\/strong><\/h2>\n\n\n\n<h3 id=\"h-1-\ub300\ucd9c-\uc0c1\ud488-\uc120\ud0dd\ud558\uae30\" class=\"wp-block-heading\" style=\"font-size:16px\">1. <strong>\ub300\ucd9c \uc0c1\ud488 \uc120\ud0dd\ud558\uae30<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Pennymac\uc5d0\uc11c \uc81c\uacf5\ud558\ub294 \ub300\ucd9c \uc0c1\ud488 \uc885\ub958\ub97c \ud655\uc778\ud558\ub824\uba74 \ud648\ud398\uc774\uc9c0 \uc0c1\ub2e8 \uba54\ub274\uc5d0\uc11c &#8216;\ub300\ucd9c \uc635\uc158(Loan Options)&#8217;\uc744 \uc120\ud0dd\ud574 \uc8fc\uc138\uc694. \uc8fc\ud0dd \uad6c\uc785 \ub300\ucd9c, \ub300\ud658\ub300\ucd9c(\ub9ac\ud30c\uc774\ub0b8\uc2f1), \uc8fc\ud0dd \uc790\uc0b0 \ub2f4\ubcf4 \ub300\ucd9c(Home equity loan)\uc744 \uc548\ub0b4\ud558\ub294 \uac1c\ubcc4 \ud398\uc774\uc9c0\ub85c \uc774\ub3d9\ud558\uac70\ub098, \uc5ec\ub7ec \ub300\ucd9c \uc0c1\ud488\uc744 \ud55c\ub208\uc5d0 \ube44\uad50\ud560 \uc218 \uc788\ub294 \ud398\uc774\uc9c0\ub97c \uc774\uc6a9\ud558\uc2e4 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<h3 id=\"h-2-\uc0ac\uc804-\uc790\uaca9-\uc2ec\uc0ac-prequalification-\ubc1b\uae30\" class=\"wp-block-heading\" style=\"font-size:16px\">2. <strong>\uc0ac\uc804 \uc790\uaca9 \uc2ec\uc0ac(Prequalification) \ubc1b\uae30<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\" id=\"h-2-get-prequalified\">\ubcf8\uc778\uc758 \uc870\uac74\uc73c\ub85c \uc5bc\ub9c8\uae4c\uc9c0 \ub300\ucd9c\uc774 \uac00\ub2a5\ud55c\uc9c0 \ub300\ub7b5\uc801\uc778 \ud55c\ub3c4\ub97c \uc608\uc0c1\ud574 \ubcf4\ub824\uba74, \uba3c\uc800 \uc0ac\uc804 \uc790\uaca9 \uc2ec\uc0ac\ub97c \uc9c4\ud589\ud574\uc57c \ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<h3 id=\"h-3-\ub300\ucd9c-\uc2e0\uccad\uc11c-\uc81c\ucd9c\ud558\uae30\" class=\"wp-block-heading\" style=\"font-size:16px\">3. <strong>\ub300\ucd9c \uc2e0\uccad\uc11c \uc81c\ucd9c\ud558\uae30<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Pennymac \ub300\ucd9c \uc2e0\uccad\uc744 \uc9c4\ud589\ud558\ub824\uba74 \uac00\uc7a5 \uba3c\uc800 Pennymac \uacc4\uc815\uc744 \uc0dd\uc131(\ud68c\uc6d0\uac00\uc785)\ud574\uc57c \ud569\ub2c8\ub2e4. \ub2e8\uc21c \uc790\uaca9 \uc2ec\uc0ac \ub2e8\uacc4\ub97c \ub118\uc5b4 \uc815\uc2dd\uc73c\ub85c \ub300\ucd9c &#8216;\uc0ac\uc804 \uc2b9\uc778(Preapproval)&#8217;\uc744 \ubc1b\uace0 \ub098\uba74, \uc801\uc6a9\ubc1b\uc744 \ubaa8\uae30\uc9c0 \uae08\ub9ac\ub97c \ud655\uc815(Lock-in)\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\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=lender_compare&#038;utm_content=lender_compare_pennymac\">\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<div style=\"\n  background-color:#F8F9FA;\n  border:1px solid #D9E2EC;\n  border-radius:16px;\n  padding:20px 22px;\n  margin:16px 0;\n  color:#333333;\n  font-family:inherit;\n\">\n\n  <div style=\"\n    display:flex;\n    align-items:center;\n    gap:10px;\n    margin-bottom:14px;\n  \">\n\n    <span style=\"\n      display:inline-flex;\n      align-items:center;\n      justify-content:center;\n      width:26px;\n      height:26px;\n      flex:0 0 26px;\n      color:#0073CF;\n      border:1.5px solid #0073CF;\n      border-radius:50%;\n      font-size:15px;\n      line-height:1;\n      font-weight:700;\n    \">\n      \u2713\n    <\/span>\n\n    <strong style=\"\n      color:#0B477E;\n      font-size:18px;\n      line-height:1.4;\n      font-weight:700;\n    \">\n      \uc0ac\uc804 \uc790\uaca9 \ud655\uc778 \ub610\ub294 \uc0ac\uc804 \uc2b9\uc778\uc5d0 \ud544\uc694\ud55c \uc11c\ub958\n    <\/strong>\n\n  <\/div>\n\n  <ul style=\"\n    margin:0;\n    padding-left:22px;\n    color:#4A4A4A;\n    font-size:15px;\n    line-height:1.75;\n  \">\n    <li>\uc2e0\ubd84\uc99d<\/li>\n    <li>\uc138\uae08 \uad00\ub828 \uc11c\ub958<\/li>\n    <li>\uc740\ud589 \uac70\ub798 \ub0b4\uc5ed\uc11c<\/li>\n    <li>\uae09\uc5ec \uba85\uc138\uc11c<\/li>\n    <li>\ubd80\ucc44 \ubc0f \uc790\uc0b0 \ub0b4\uc5ed\uc11c<\/li>\n    <li>\uc99d\uc5ec\ubc1b\uc740 \uc790\uae08\uc744 \uc0ac\uc6a9\ud558\ub294 \uacbd\uc6b0 \uc99d\uc5ec \ud655\uc778\uc11c<\/li>\n  <\/ul>\n\n<\/div>\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-pennymac-\ubaa8\uae30\uc9c0-\uae08\ub9ac-\ube44\uad50\ud574-\ubcfc\uae4c\uc694\" class=\"wp-block-heading\" style=\"font-size:24px\"><strong><strong><strong>Pennymac \ubaa8\uae30\uc9c0 \uae08\ub9ac, \ube44\uad50\ud574 \ubcfc\uae4c\uc694?<\/strong><\/strong><\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\" style=\"font-size:16px\">Pennymac \uc5ed\uc2dc \uacbd\uc7c1\ub825 \uc788\ub294 \uae08\ub9ac\ub97c \uc81c\uacf5\ud558\ub294 \ud3b8\uc778\ub370\uc694!<br>\ub3d9\uc77c\ud55c \uc870\uac74\uc73c\ub85c \ub098\ub780\ud788 \ube44\uad50\ud574 \ubcf4\uba74, Loaning.ai\ub97c \uc774\uc6a9\ud560 \ub54c \uae08\ub9ac\uc640 \ucd08\uae30 \uc218\uc218\ub8cc(\ud3ec\uc778\ud2b8) \ubd80\ub2f4\uc744 \ud55c\uce35 \ub354 \ub0ae\ucd9c \uc218 \uc788\uc5b4\uc694.<br>100% \uc628\ub77c\uc778\uc73c\ub85c \ub300\ucd9c\uc744 \uc9c4\ud589\ud558\ub294 Loaning.ai\ub294 \uc624\ud504\ub77c\uc778 \uc9c0\uc810 \uc720\uc9c0\ube44\uac00 \ub4e4\uc9c0 \uc54a\uc544 \uadf8\ub9cc\ud07c \ub354 \ub098\uc740 \ud61c\ud0dd\uc744 \uace0\uac1d\uc5d0\uac8c \ub3cc\ub824\ub4dc\ub9b4 \uc218 \uc788\uac70\ub4e0\uc694. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc9c0\uae08 \ubc14\ub85c \uc544\ub798\uc5d0\uc11c \uc9c1\uc811 \ube44\uad50\ud574 \ubcf4\uc138\uc694! \ud83d\ude80<\/p>\n\n\n\n<p class=\"has-small-font-size wp-block-paragraph\">(\ubb3c\ub860 \ucd5c\uc885 \uae08\ub9ac\uc640 \ube44\uc6a9\uc740 \uace0\uac1d\ub2d8\uc758 \uc790\uaca9 \uc694\uac74\uacfc \uc0c1\uc138 \ub300\ucd9c \ub0b4\uc6a9\uc5d0 \ub530\ub77c \ub2ec\ub77c\uc9c8 \uc218 \uc788\uc2b5\ub2c8\ub2e4.) <\/p>\n\n\n\n<h3 id=\"h-pennymac-vs-nbsp-loaning-ai\" class=\"wp-block-heading\" style=\"font-size:24px\"><strong>Pennymac vs.&nbsp;Loaning.ai<\/strong><\/h3>\n\n\n\n<section class=\"rate-comparison-section\">\n\n  <!-- 30-year fixed -->\n  <section class=\"rate-product-group\">\n\n    <h2 class=\"rate-product-title\">30-year fixed<\/h2>\n\n    <div class=\"rate-lender-grid\">\n\n      <!-- Pennymac -->\n      <article class=\"rate-lender-card\">\n\n        <div class=\"rate-card-header\">\n          <h3 class=\"rate-lender-name\">Pennymac<\/h3>\n\n          <span class=\"rate-loan-badge rate-loan-badge-standard\">\n            Conventional\n          <\/span>\n        <\/div>\n\n        <div class=\"rate-card-divider\"><\/div>\n\n        <div class=\"rate-data-list\">\n\n          <div class=\"rate-data-row\">\n            <span class=\"rate-data-label\">Rate<\/span>\n            <strong class=\"rate-data-value\">6.250%<\/strong>\n          <\/div>\n\n          <div class=\"rate-data-row\">\n            <span class=\"rate-data-label\">APR<\/span>\n            <strong class=\"rate-data-value\">6.371%<\/strong>\n          <\/div>\n\n          <div class=\"rate-data-row\">\n            <span class=\"rate-data-label\">Monthly Payment<\/span>\n\n            <span class=\"rate-value-group\">\n              <strong class=\"rate-data-value\">$4,310.02<\/strong>\n              <small>Principal and interest only<\/small>\n            <\/span>\n          <\/div>\n\n          <div class=\"rate-data-row\">\n            <span class=\"rate-data-label\">Points \/ Cost<\/span>\n\n            <span class=\"rate-value-group\">\n              <strong class=\"rate-data-value\">$4,774<\/strong>\n              <small>0.682 points<\/small>\n            <\/span>\n          <\/div>\n\n        <\/div>\n\n      <\/article>\n\n\n      <!-- Loaning.ai -->\n      <article class=\"rate-lender-card rate-lender-card-featured\">\n\n        <div class=\"rate-card-header\">\n          <h3 class=\"rate-lender-name\">Loaning.ai<\/h3>\n\n          <span class=\"rate-loan-badge\">\n            FHA\n          <\/span>\n        <\/div>\n\n        <div class=\"rate-card-divider\"><\/div>\n\n        <div class=\"rate-data-list\">\n\n          <div class=\"rate-data-row\">\n            <span class=\"rate-data-label\">Rate<\/span>\n            <strong class=\"rate-data-value\">5.750%<\/strong>\n          <\/div>\n\n          <div class=\"rate-data-row\">\n            <span class=\"rate-data-label\">APR<\/span>\n            <strong class=\"rate-data-value\">5.805%<\/strong>\n          <\/div>\n\n          <div class=\"rate-data-row\">\n            <span class=\"rate-data-label\">Monthly Payment<\/span>\n\n            <span class=\"rate-value-group\">\n              <strong class=\"rate-data-value\">$4,446.15<\/strong>\n              <small>Includes applicable FHA mortgage insurance<\/small>\n            <\/span>\n          <\/div>\n\n          <div class=\"rate-data-row\">\n            <span class=\"rate-data-label\">Points \/ Cost<\/span>\n\n            <span class=\"rate-value-group\">\n              <strong class=\"rate-data-value\">$1,750.00<\/strong>\n              <small>0.250 points<\/small>\n            <\/span>\n          <\/div>\n\n        <\/div>\n\n      <\/article>\n\n    <\/div>\n\n  <\/section>\n\n\n  <!-- 20-year fixed -->\n  <section class=\"rate-product-group\">\n\n    <h2 class=\"rate-product-title\">20-year fixed<\/h2>\n\n    <div class=\"rate-lender-grid\">\n\n      <!-- Pennymac -->\n      <article class=\"rate-lender-card\">\n\n        <div class=\"rate-card-header\">\n          <h3 class=\"rate-lender-name\">Pennymac<\/h3>\n\n          <span class=\"rate-loan-badge rate-loan-badge-standard\">\n            Conventional\n          <\/span>\n        <\/div>\n\n        <div class=\"rate-card-divider\"><\/div>\n\n        <div class=\"rate-data-list\">\n\n          <div class=\"rate-data-row\">\n            <span class=\"rate-data-label\">Rate<\/span>\n            <strong class=\"rate-data-value\">5.874%<\/strong>\n          <\/div>\n\n          <div class=\"rate-data-row\">\n            <span class=\"rate-data-label\">APR<\/span>\n            <strong class=\"rate-data-value\">6.043%<\/strong>\n          <\/div>\n\n          <div class=\"rate-data-row\">\n            <span class=\"rate-data-label\">Monthly Payment<\/span>\n\n            <span class=\"rate-value-group\">\n              <strong class=\"rate-data-value\">$4,964.27<\/strong>\n              <small>Principal and interest only<\/small>\n            <\/span>\n          <\/div>\n\n          <div class=\"rate-data-row\">\n            <span class=\"rate-data-label\">Points \/ Cost<\/span>\n\n            <span class=\"rate-value-group\">\n              <strong class=\"rate-data-value\">$5,523<\/strong>\n              <small>0.789 points<\/small>\n            <\/span>\n          <\/div>\n\n        <\/div>\n\n      <\/article>\n\n\n      <!-- Loaning.ai -->\n      <article class=\"rate-lender-card rate-lender-card-featured\">\n\n        <div class=\"rate-card-header\">\n          <h3 class=\"rate-lender-name\">Loaning.ai<\/h3>\n\n          <span class=\"rate-loan-badge\">\n            Conventional Conforming\n          <\/span>\n        <\/div>\n\n        <div class=\"rate-card-divider\"><\/div>\n\n        <div class=\"rate-data-list\">\n\n          <div class=\"rate-data-row\">\n            <span class=\"rate-data-label\">Rate<\/span>\n            <strong class=\"rate-data-value\">5.750%<\/strong>\n          <\/div>\n\n          <div class=\"rate-data-row\">\n            <span class=\"rate-data-label\">APR<\/span>\n            <strong class=\"rate-data-value\">5.902%<\/strong>\n          <\/div>\n\n          <div class=\"rate-data-row\">\n            <span class=\"rate-data-label\">Monthly Payment<\/span>\n\n            <span class=\"rate-value-group\">\n              <strong class=\"rate-data-value\">$4,914.58<\/strong>\n              <small>Principal and interest; PMI shown as $0.00<\/small>\n            <\/span>\n          <\/div>\n\n          <div class=\"rate-data-row\">\n            <span class=\"rate-data-label\">Points \/ Cost<\/span>\n\n            <span class=\"rate-value-group\">\n              <strong class=\"rate-data-value\">$6,125.00<\/strong>\n              <small>0.875 points<\/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=\"rate-product-group\">\n\n    <h2 class=\"rate-product-title\">15-year fixed<\/h2>\n\n    <div class=\"rate-lender-grid\">\n\n      <!-- Pennymac -->\n      <article class=\"rate-lender-card\">\n\n        <div class=\"rate-card-header\">\n          <h3 class=\"rate-lender-name\">Pennymac<\/h3>\n\n          <span class=\"rate-loan-badge rate-loan-badge-standard\">\n            Conventional\n          <\/span>\n        <\/div>\n\n        <div class=\"rate-card-divider\"><\/div>\n\n        <div class=\"rate-data-list\">\n\n          <div class=\"rate-data-row\">\n            <span class=\"rate-data-label\">Rate<\/span>\n            <strong class=\"rate-data-value\">5.625%<\/strong>\n          <\/div>\n\n          <div class=\"rate-data-row\">\n            <span class=\"rate-data-label\">APR<\/span>\n            <strong class=\"rate-data-value\">5.797%<\/strong>\n          <\/div>\n\n          <div class=\"rate-data-row\">\n            <span class=\"rate-data-label\">Monthly Payment<\/span>\n\n            <span class=\"rate-value-group\">\n              <strong class=\"rate-data-value\">$5,766.12<\/strong>\n              <small>Principal and interest only<\/small>\n            <\/span>\n          <\/div>\n\n          <div class=\"rate-data-row\">\n            <span class=\"rate-data-label\">Points \/ Cost<\/span>\n\n            <span class=\"rate-value-group\">\n              <strong class=\"rate-data-value\">$3,857<\/strong>\n              <small>0.551 points<\/small>\n            <\/span>\n          <\/div>\n\n        <\/div>\n\n      <\/article>\n\n\n      <!-- Loaning.ai -->\n      <article class=\"rate-lender-card rate-lender-card-featured\">\n\n        <div class=\"rate-card-header\">\n          <h3 class=\"rate-lender-name\">Loaning.ai<\/h3>\n\n          <span class=\"rate-loan-badge\">\n            Conventional Conforming\n          <\/span>\n        <\/div>\n\n        <div class=\"rate-card-divider\"><\/div>\n\n        <div class=\"rate-data-list\">\n\n          <div class=\"rate-data-row\">\n            <span class=\"rate-data-label\">Rate<\/span>\n            <strong class=\"rate-data-value\">5.625%<\/strong>\n          <\/div>\n\n          <div class=\"rate-data-row\">\n            <span class=\"rate-data-label\">APR<\/span>\n            <strong class=\"rate-data-value\">5.718%<\/strong>\n          <\/div>\n\n          <div class=\"rate-data-row\">\n            <span class=\"rate-data-label\">Monthly Payment<\/span>\n\n            <span class=\"rate-value-group\">\n              <strong class=\"rate-data-value\">$5,766.12<\/strong>\n              <small>Principal and interest; PMI shown as $0.00<\/small>\n            <\/span>\n          <\/div>\n\n          <div class=\"rate-data-row\">\n            <span class=\"rate-data-label\">Points \/ Cost<\/span>\n\n            <span class=\"rate-value-group\">\n              <strong class=\"rate-data-value\">$1,750.00<\/strong>\n              <small>0.250 points<\/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  .rate-comparison-section,\n  .rate-comparison-section * {\n    box-sizing: border-box;\n  }\n\n  .rate-comparison-section {\n    width: 100%;\n    max-width: 100%;\n    margin: 28px 0;\n    color: #111111;\n    font-family:\n      \"Pretendard\",\n      -apple-system,\n      BlinkMacSystemFont,\n      \"Segoe UI\",\n      Arial,\n      sans-serif;\n  }\n\n  .rate-product-group {\n    width: 100%;\n    margin-bottom: 14px;\n    padding: 24px 26px 26px;\n    overflow: hidden;\n    background: #f6f6f6;\n    border-radius: 18px;\n  }\n\n  .rate-product-group:last-child {\n    margin-bottom: 0;\n  }\n\n  .rate-product-title {\n    margin: 0 0 18px;\n    color: #111111;\n    font-size: 25px;\n    line-height: 1.25;\n    font-weight: 750;\n    letter-spacing: -0.55px;\n  }\n\n  .rate-lender-grid {\n    display: grid;\n    grid-template-columns: repeat(2, minmax(0, 1fr));\n    gap: 12px;\n    align-items: stretch;\n    min-width: 0;\n  }\n\n  .rate-lender-card {\n    display: flex;\n    flex-direction: column;\n    min-width: 0;\n    width: 100%;\n    padding: 21px 22px 22px;\n    overflow: hidden;\n    background: #ffffff;\n    border: 1px solid #dedede;\n    border-radius: 15px;\n  }\n\n  .rate-lender-card-featured {\n    background: #eef7ff;\n    border: 2px solid #0868ca;\n  }\n\n  .rate-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: 29px;\n  }\n\n  .rate-lender-name {\n    min-width: 0;\n    margin: 0;\n    color: #111111;\n    font-size: 20px;\n    line-height: 1.25;\n    font-weight: 750;\n    letter-spacing: -0.4px;\n  }\n\n  .rate-lender-card-featured .rate-lender-name {\n    color: #0868ca;\n  }\n\n  .rate-loan-badge {\n    display: inline-flex;\n    flex: 0 1 auto;\n    align-items: center;\n    justify-content: center;\n    max-width: 52%;\n    padding: 5px 8px;\n    color: #0868ca;\n    background: #dceeff;\n    border-radius: 999px;\n    font-size: 8px;\n    line-height: 1.15;\n    font-weight: 700;\n    text-align: center;\n    white-space: normal;\n  }\n\n  .rate-loan-badge-standard {\n    color: #555555;\n    background: #eeeeee;\n  }\n\n  .rate-card-divider {\n    width: 100%;\n    height: 1px;\n    margin: 15px 0 10px;\n    background: #dddddd;\n  }\n\n  .rate-lender-card-featured .rate-card-divider {\n    background: #bfdcf5;\n  }\n\n  .rate-data-list {\n    display: flex;\n    flex: 1;\n    flex-direction: column;\n    min-width: 0;\n  }\n\n  .rate-data-row {\n    display: grid;\n    grid-template-columns:\n      minmax(0, 43%)\n      minmax(0, 57%);\n    align-items: center;\n    gap: 8px;\n    min-width: 0;\n    width: 100%;\n    min-height: 55px;\n    padding: 9px 0;\n    border-bottom: 1px solid #e7e7e7;\n  }\n\n  .rate-data-row:last-child {\n    border-bottom: 0;\n  }\n\n  .rate-data-label {\n    display: block;\n    min-width: 0;\n    color: #4e4e4e;\n    font-size: 13px;\n    line-height: 1.35;\n    font-weight: 400;\n    word-break: keep-all;\n  }\n\n  .rate-data-value {\n    display: block;\n    min-width: 0;\n    max-width: 100%;\n    color: #111111;\n    font-size: 16px;\n    line-height: 1.2;\n    font-weight: 750;\n    letter-spacing: -0.25px;\n    text-align: right;\n    white-space: nowrap;\n  }\n\n  .rate-lender-card-featured .rate-data-value {\n    color: #064c91;\n  }\n\n  .rate-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  .rate-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    font-weight: 400;\n    text-align: right;\n    white-space: normal;\n    word-break: keep-all;\n  }\n\n  @media (max-width: 760px) {\n    .rate-product-group {\n      margin-bottom: 12px;\n      padding: 20px 16px 22px;\n      border-radius: 16px;\n    }\n\n    .rate-product-title {\n      margin-bottom: 15px;\n      font-size: 21px;\n    }\n\n    .rate-lender-grid {\n      gap: 8px;\n    }\n\n    .rate-lender-card {\n      padding: 17px 14px 18px;\n      border-radius: 13px;\n    }\n\n    .rate-lender-name {\n      font-size: 16px;\n    }\n\n    .rate-loan-badge {\n      max-width: 50%;\n      padding: 4px 6px;\n      font-size: 6.5px;\n    }\n\n    .rate-card-divider {\n      margin: 13px 0 8px;\n    }\n\n    .rate-data-row {\n      grid-template-columns:\n        minmax(0, 42%)\n        minmax(0, 58%);\n      gap: 6px;\n      min-height: 49px;\n      padding: 8px 0;\n    }\n\n    .rate-data-label {\n      font-size: 10.5px;\n    }\n\n    .rate-data-value {\n      font-size: 13px;\n    }\n\n    .rate-value-group small {\n      font-size: 6.5px;\n    }\n  }\n\n  @media (max-width: 520px) {\n    .rate-product-group {\n      padding: 20px 14px;\n    }\n\n    .rate-lender-grid {\n      grid-template-columns: 1fr;\n      gap: 8px;\n    }\n\n    .rate-lender-card {\n      padding: 19px 18px;\n    }\n\n    .rate-card-header {\n      min-height: auto;\n    }\n\n    .rate-lender-name {\n      font-size: 18px;\n    }\n\n    .rate-loan-badge {\n      max-width: 48%;\n      padding: 5px 8px;\n      font-size: 8px;\n    }\n\n    .rate-data-row {\n      grid-template-columns:\n        minmax(0, 44%)\n        minmax(0, 56%);\n      gap: 8px;\n      min-height: 51px;\n      padding: 9px 0;\n    }\n\n    .rate-data-label {\n      font-size: 12px;\n    }\n\n    .rate-data-value {\n      font-size: 15px;\n    }\n\n    .rate-value-group small {\n      font-size: 7px;\n    }\n  }\n\n  @media (max-width: 360px) {\n    .rate-product-group {\n      padding: 18px 11px;\n    }\n\n    .rate-lender-card {\n      padding: 17px 14px;\n    }\n\n    .rate-product-title {\n      font-size: 20px;\n    }\n\n    .rate-lender-name {\n      font-size: 17px;\n    }\n\n    .rate-data-row {\n      grid-template-columns:\n        minmax(0, 42%)\n        minmax(0, 58%);\n      gap: 6px;\n    }\n\n    .rate-data-label {\n      font-size: 11px;\n    }\n\n    .rate-data-value {\n      font-size: 13.5px;\n    }\n\n    .rate-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    Legal Disclosures\n    <span class=\"mortgage-legal-icon\" aria-hidden=\"true\"><\/span>\n  <\/summary>\n\n  <div class=\"mortgage-legal-content\">\n\n    <p>\n      The rates and payment examples shown above are provided for illustrative\n      and comparison purposes only. They are not a commitment to lend, a rate\n      lock, an approval, or a guarantee of available loan terms.\n    <\/p>\n\n    <p>\n      <strong>Comparison basis:<\/strong>\n      The Pennymac and Loaning.ai examples use closely aligned, but not\n      completely identical, borrower and property assumptions. Both examples\n      are based on a home purchase with a $1,000,000 purchase price, a $300,000\n      down payment, a $700,000 loan amount, and a 70% loan-to-value ratio\n      (LTV). The property is intended to be used as the borrower\u2019s primary\n      residence.\n    <\/p>\n\n    <p>\n      <strong>Pennymac assumptions:<\/strong>\n      The Pennymac examples are based on a purchase loan for a detached primary\n      residence in Orange County, California, with a $1,000,000 property value,\n      a $700,000 loan amount, a 30% down payment, a 70% LTV, and a 740 FICO\n      score. The loan is shown in first-lien position with no cash out and no\n      prepayment penalty.\n    <\/p>\n\n    <p>\n      <strong>Loaning.ai assumptions:<\/strong>\n      The Loaning.ai examples are based on a purchase loan for a one-unit,\n      single-family primary residence in Irvine, California. The borrower is\n      shown as a U.S. citizen receiving W-2 salary income, with a credit score\n      of 750. The purchase price is $1,000,000, the down payment is $300,000,\n      the loan amount is $700,000, and the LTV is 70%.\n    <\/p>\n\n    <p>\n      Because Pennymac uses a 740 FICO score and an Orange County location,\n      while Loaning.ai uses a 750 credit score and an Irvine location, the\n      displayed results should not be described as quotes generated from\n      perfectly identical inputs.\n    <\/p>\n\n\n    <!-- Pennymac examples -->\n    <p>\n      <strong>Pennymac examples:<\/strong>\n      The figures shown are conventional fixed-rate purchase examples. The\n      displayed monthly payments represent estimated principal and interest\n      only and do not include property taxes, homeowners insurance, mortgage\n      insurance, HOA dues, prepaid items, closing costs, or other expenses.\n    <\/p>\n\n    <ul>\n\n      <li>\n        <strong>30-year conventional fixed:<\/strong>\n        6.250% interest rate, 6.371% APR, $4,310.02 estimated monthly\n        principal and interest payment, and 0.682 discount points\n        ($4,774) due at closing.\n      <\/li>\n\n      <li>\n        <strong>20-year conventional fixed:<\/strong>\n        5.874% interest rate, 6.043% APR, $4,964.27 estimated monthly\n        principal and interest payment, and 0.789 discount points\n        ($5,523) due at closing.\n      <\/li>\n\n      <li>\n        <strong>15-year conventional fixed:<\/strong>\n        5.625% interest rate, 5.797% APR, $5,766.12 estimated monthly\n        principal and interest payment, and 0.551 discount points\n        ($3,857) due at closing.\n      <\/li>\n\n    <\/ul>\n\n\n    <!-- Loaning.ai examples -->\n    <p>\n      <strong>Loaning.ai examples:<\/strong>\n      The Loaning.ai figures shown are purchase estimates generated from the\n      borrower and property details described above. The 30-year example is an\n      FHA loan estimate. The 20-year and 15-year examples are Conventional\n      Conforming loan estimates.\n    <\/p>\n\n    <ul>\n\n      <li>\n        <strong>30-year FHA fixed:<\/strong>\n        5.750% interest rate, 5.805% APR, $4,446.15 estimated monthly payment,\n        and 0.250 discount points ($1,750.00). The displayed payment includes\n        estimated principal and interest, an amount associated with financed\n        upfront mortgage insurance, and monthly Mortgage Insurance Premium\n        (MIP).\n      <\/li>\n\n      <li>\n        <strong>20-year Conventional Conforming fixed:<\/strong>\n        5.750% interest rate, 5.902% APR, $4,914.58 estimated monthly principal\n        and interest payment, and 0.875 discount points ($6,125.00). PMI was\n        displayed as $0.00 in the estimate.\n      <\/li>\n\n      <li>\n        <strong>15-year Conventional Conforming fixed:<\/strong>\n        5.625% interest rate, 5.718% APR, $5,766.12 estimated monthly principal\n        and interest payment, and 0.250 discount points ($1,750.00). PMI was\n        displayed as $0.00 in the estimate.\n      <\/li>\n\n    <\/ul>\n\n\n    <!-- Product differences -->\n    <p>\n      The 30-year comparison involves different loan programs: Pennymac is\n      shown as a conventional mortgage, while Loaning.ai is shown as an FHA\n      mortgage. FHA financing generally includes upfront and annual mortgage\n      insurance, so the rates, APRs, monthly payments, and upfront costs should\n      not be interpreted as a like-for-like comparison of identical products.\n    <\/p>\n\n    <p>\n      The 20-year and 15-year examples are both shown as conventional loan\n      options and are more directly comparable. However, the credit score,\n      geographic input, lender pricing, fee calculations, and underwriting\n      methods may still differ.\n    <\/p>\n\n\n    <!-- Points and APR -->\n    <p>\n      Discount points are estimated charges generally paid at closing in\n      exchange for the displayed interest rate. One point equals 1% of the\n      loan amount. The points and dollar amounts shown above represent\n      estimated costs and should not be interpreted as cash back, a refund,\n      a rebate, or a lender credit.\n    <\/p>\n\n    <p>\n      The interest rate and APR are different measures. The interest rate\n      represents the cost of borrowing the principal, while the APR may also\n      reflect discount points, mortgage insurance, and certain lender or loan\n      charges.\n    <\/p>\n\n\n    <!-- Exclusions -->\n    <p>\n      Unless otherwise stated, the displayed monthly payments do not include\n      property taxes, homeowners insurance, HOA dues, prepaid items, closing\n      costs, or other housing-related expenses. The borrower\u2019s actual monthly\n      payment obligation may therefore be higher.\n    <\/p>\n\n\n    <!-- Variability -->\n    <p>\n      Actual rates, APRs, monthly payments, points, credits, mortgage\n      insurance, fees, closing costs, and eligibility may vary based on market\n      conditions, quote date and time, credit history, income, assets, debt\n      obligations, property value, occupancy, property type, location, loan\n      program, rate-lock period, escrow requirements, and final underwriting\n      results.\n    <\/p>\n\n\n    <!-- Date -->\n    <p class=\"mortgage-legal-last\">\n      Pennymac figures are based on the pricing displayed on July 12, 2026, at\n      approximately 10:37 PM PDT. Loaning.ai figures are based on the estimates\n      displayed when this comparison was prepared. Consumers should request\n      and review official Loan Estimates before selecting a mortgage.\n    <\/p>\n\n  <\/div>\n\n<\/details>\n\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 0 8px;\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 strong {\n    color: #53585d;\n    font-weight: 650;\n  }\n\n  .mortgage-legal-content ul {\n    margin: 2px 0 9px;\n    padding-left: 17px;\n  }\n\n  .mortgage-legal-content li {\n    margin: 3px 0;\n    padding-left: 1px;\n    color: #686d72;\n    font-size: 8px;\n    line-height: 1.5;\n    font-weight: 400;\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    .mortgage-legal-content li {\n      font-size: 7.5px;\n      line-height: 1.5;\n    }\n\n    .mortgage-legal-content ul {\n      padding-left: 15px;\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\" id=\"h-pennymac-vs-loaning-ai\">.<\/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 style=\"\n  background-color:#F8F9FA;\n  border-radius:16px;\n  padding:18px 22px;\n  margin:16px 0;\n  font-size:10px;\n  line-height:1.7;\n  color:#333333;\n  font-family:inherit;\n\">\n  <div style=\"margin-bottom:8px;\">\n   \n* \ubcf8 \uae00\uc740 \uc77c\ubc18\uc801\uc778 \uc815\ubcf4 \uc81c\uacf5\uc744 \ubaa9\uc801\uc73c\ub85c \uc791\uc131\ub418\uc5c8\uc73c\uba70, \ud2b9\uc815 \ub80c\ub354\uc758 \uc2e4\uc81c \uae08\ub9ac\ub098 \ube44\uc6a9\uc744 \ubcf4\uc7a5\ud558\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4. \uc608\uc2dc\ub85c \uc81c\uc2dc\ub41c \uae08\ub9ac, APR, \uc6d4 \ub0a9\uc785\uc561, \ud3ec\uc778\ud2b8, \uc218\uc218\ub8cc, \ud06c\ub808\ub527\uc740 \uc124\uba85\uc744 \uc704\ud55c \uac00\uc0c1\uc758 \uc608\uc2dc\uc785\ub2c8\ub2e4. \uc2e4\uc81c \uc870\uac74\uc740 \uc2e0\uccad\uc790\uc758 \uc2e0\uc6a9\uc810\uc218, \uc18c\ub4dd, \ubd80\ucc44\ube44\uc728, \uc8fc\ud0dd \uc720\ud615, \uac70\uc8fc \ubaa9\uc801, \uc9c0\uc5ed, \uc2dc\uc7a5 \uae08\ub9ac, \uacac\uc801 \uc2dc\uc810, \uc2ec\uc0ac \uacb0\uacfc\uc5d0 \ub530\ub77c \ub2ec\ub77c\uc9c8 \uc218 \uc788\uc2b5\ub2c8\ub2e4. Loaning.ai\uac00 \ubaa8\ub4e0 \uace0\uac1d\uc5d0\uac8c \ud56d\uc0c1 \ub354 \ub0ae\uc740 \uae08\ub9ac\ub098 \ube44\uc6a9\uc744 \uc81c\uacf5\ud55c\ub2e4\uace0 \ubcf4\uc7a5\ud558\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4.\n\n  <\/div>\n<\/div>\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=lender_compare_pennymac\" 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\">.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Pennymac \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 \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.\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. \ud558\uc9c0\ub9cc \ubc14\uc05c [&hellip;]<\/p>\n","protected":false},"author":12,"featured_media":15596,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"jnews-multi-image_gallery":[],"jnews_single_post":{"format":"standard"},"jnews_primary_category":[],"footnotes":""},"categories":[27],"tags":[],"class_list":["post-15595","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category--30--"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v28.4 (Yoast SEO v28.4) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Pennymac \ubaa8\uae30\uc9c0 \uae08\ub9ac \uc644\ubcbd \ube44\uad50: Loaning.ai\uc640 30\ub144 \uace0\uc815 \uae08\ub9ac \ucc28\uc774\ub294?<\/title>\n<meta name=\"description\" content=\"Pennymac \ubaa8\uae30\uc9c0 \ub300\ucd9c\uc744 \uace0\ub824 \uc911\uc774\uc2e0\uac00\uc694? [\ub0a0\uc9dc] \uae30\uc900 \ucd5c\uc2e0 30\ub144 \uace0\uc815 \uae08\ub9ac\uc640 \ud3ec\uc778\ud2b8 \ube44\uc6a9\uc744 \ub2e4\uc774\ub809\ud2b8 \ub80c\ub354\uc778 Loaning.ai\uc640 \uc9c1\uc811 \ube44\uad50\ud574 \ubcf4\uc138\uc694. \uace0\uc815 \uc6b4\uc601\ube44\ub97c \uc808\uac10\ud574 \ub354 \ub0ae\uc740 \uc218\uc218\ub8cc\ub97c \uc81c\uacf5\ud558\ub294 \ub9de\ucda4\ud615 \ub300\ucd9c \uc870\uac74\uc744 \ud655\uc778\ud558\uc2e4 \uc218 \uc788\uc2b5\ub2c8\ub2e4.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/blog.loaning.ai\/ko\/15595\/\" \/>\n<meta property=\"og:locale\" content=\"ko_KR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"2026 Pennymac \ubaa8\uae30\uc9c0 \uae08\ub9ac\" \/>\n<meta property=\"og:description\" content=\"Pennymac \ubaa8\uae30\uc9c0 \ub300\ucd9c\uc744 \uace0\ub824 \uc911\uc774\uc2e0\uac00\uc694? [\ub0a0\uc9dc] \uae30\uc900 \ucd5c\uc2e0 30\ub144 \uace0\uc815 \uae08\ub9ac\uc640 \ud3ec\uc778\ud2b8 \ube44\uc6a9\uc744 \ub2e4\uc774\ub809\ud2b8 \ub80c\ub354\uc778 Loaning.ai\uc640 \uc9c1\uc811 \ube44\uad50\ud574 \ubcf4\uc138\uc694. \uace0\uc815 \uc6b4\uc601\ube44\ub97c \uc808\uac10\ud574 \ub354 \ub0ae\uc740 \uc218\uc218\ub8cc\ub97c \uc81c\uacf5\ud558\ub294 \ub9de\ucda4\ud615 \ub300\ucd9c \uc870\uac74\uc744 \ud655\uc778\ud558\uc2e4 \uc218 \uc788\uc2b5\ub2c8\ub2e4.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/blog.loaning.ai\/ko\/15595\/\" \/>\n<meta property=\"og:site_name\" content=\"\ubbf8\uad6d 30\ub144 \ubaa8\uae30\uc9c0 \uae08\ub9ac | \ub85c\ub2ddAI \ube14\ub85c\uadf8\" \/>\n<meta property=\"article:published_time\" content=\"2026-07-14T09:49:04+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-07-14T10:47:02+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2026\/07\/Lender_Peenymac.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1020\" \/>\n\t<meta property=\"og:image:height\" content=\"735\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"\uc9c0\ud5a5 \ub958\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"\uae00\uc4f4\uc774\" \/>\n\t<meta name=\"twitter:data1\" content=\"\uc9c0\ud5a5 \ub958\" \/>\n\t<meta name=\"twitter:label2\" content=\"\uc608\uc0c1 \ub418\ub294 \ud310\ub3c5 \uc2dc\uac04\" \/>\n\t<meta name=\"twitter:data2\" content=\"16\ubd84\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/blog.loaning.ai\\\/ko\\\/15595\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/blog.loaning.ai\\\/ko\\\/15595\\\/\"},\"author\":{\"name\":\"\uc9c0\ud5a5 \ub958\",\"@id\":\"https:\\\/\\\/blog.loaning.ai\\\/ko\\\/#\\\/schema\\\/person\\\/4a5664aeb7061e03f0c9c6d23a4e6a04\"},\"headline\":\"2026 Pennymac \ubaa8\uae30\uc9c0 \uae08\ub9ac\",\"datePublished\":\"2026-07-14T09:49:04+00:00\",\"dateModified\":\"2026-07-14T10:47:02+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/blog.loaning.ai\\\/ko\\\/15595\\\/\"},\"wordCount\":1932,\"publisher\":{\"@id\":\"https:\\\/\\\/blog.loaning.ai\\\/ko\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/blog.loaning.ai\\\/ko\\\/15595\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/blog.loaning.ai\\\/ko\\\/wp-content\\\/uploads\\\/2026\\\/07\\\/Lender_Peenymac.png\",\"articleSection\":[\"\ubbf8\uad6d \ubaa8\uae30\uc9c0 \uae08\ub9ac \ube44\uad50 \ud83d\udcca\"],\"inLanguage\":\"ko-KR\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/blog.loaning.ai\\\/ko\\\/15595\\\/\",\"url\":\"https:\\\/\\\/blog.loaning.ai\\\/ko\\\/15595\\\/\",\"name\":\"Pennymac \ubaa8\uae30\uc9c0 \uae08\ub9ac \uc644\ubcbd \ube44\uad50: Loaning.ai\uc640 30\ub144 \uace0\uc815 \uae08\ub9ac \ucc28\uc774\ub294?\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/blog.loaning.ai\\\/ko\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/blog.loaning.ai\\\/ko\\\/15595\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/blog.loaning.ai\\\/ko\\\/15595\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/blog.loaning.ai\\\/ko\\\/wp-content\\\/uploads\\\/2026\\\/07\\\/Lender_Peenymac.png\",\"datePublished\":\"2026-07-14T09:49:04+00:00\",\"dateModified\":\"2026-07-14T10:47:02+00:00\",\"description\":\"Pennymac \ubaa8\uae30\uc9c0 \ub300\ucd9c\uc744 \uace0\ub824 \uc911\uc774\uc2e0\uac00\uc694? 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