{"id":15616,"date":"2026-07-14T19:41:39","date_gmt":"2026-07-14T10:41:39","guid":{"rendered":"https:\/\/blog.loaning.ai\/ko\/?p=15616"},"modified":"2026-07-14T19:46:11","modified_gmt":"2026-07-14T10:46:11","slug":"%eb%b1%85%ed%81%ac%ec%98%a4%eb%b8%8c%ec%95%84%eb%a9%94%eb%a6%ac%ec%b9%b4boa-%eb%aa%a8%ea%b8%b0%ec%a7%80-%ea%b8%88%eb%a6%ac-%ea%b3%84%ec%82%b0%ea%b8%b0-see-this-weeks-rates","status":"publish","type":"post","link":"https:\/\/blog.loaning.ai\/ko\/15616\/","title":{"rendered":"\ubc45\ud06c\uc624\ube0c\uc544\uba54\ub9ac\uce74(BoA) \ubaa8\uae30\uc9c0 \uae08\ub9ac \uacc4\uc0b0\uae30 | See This Week&#8217;s Rates"},"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\">\ubc45\ud06c\uc624\ube0c\uc544\uba54\uc774\uce74(BoA, Bank of America) \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\">\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 \ubc45\ud06c\uc624\ube0c\uc544\uba54\uc774\uce74(BoA, Bank of America)\uc758 \uc8fc\uc694 \uc0c1\ud488\ubcc4 \uae08\ub9ac\ub97c \ud655\uc778\ud574 \ubcf8 \ub4a4, \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-\ubc45\ud06c\uc624\ube0c\uc544\uba54\ub9ac\uce74-boa-\uc758-\ubaa8\uae30\uc9c0-\uae08\ub9ac-\uacc4\uc0b0\uae30-overview\" class=\"wp-block-heading\" style=\"font-size:24px\"><strong>\ubc45\ud06c\uc624\ube0c\uc544\uba54\ub9ac\uce74(BoA)\uc758 \ubaa8\uae30\uc9c0 \uae08\ub9ac \uacc4\uc0b0\uae30 : Overview<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\uc8fc\ud0dd \uac00\uaca9\uacfc \ub2e4\uc6b4\ud398\uc774\uba3c\ud2b8 \uae08\uc561, \uadf8\ub9ac\uace0 \ud574\ub2f9 \uc8fc\ud0dd\uc774 \uc704\uce58\ud55c \uc6b0\ud3b8\ubc88\ud638(ZIP code)\ub97c \uc785\ub825\ud558\uace0 &#8216;Update rates&#8217;\ub97c \ub204\ub974\uc2dc\uba74 \uc120\ud0dd \uac00\ub2a5\ud55c \ubaa8\uae30\uc9c0 \uc0c1\ud488\ub4e4\uc744 \ubcf4\uc2e4 \uc218 \uc788\uc5b4\uc694! <br>\uc785\ub825\ub41c \uc815\ubcf4\uc5d0 \ub9de\ucd98 \uc608\uc0c1 \uae08\ub9ac\uc640 \uc5f0\uc774\uc728(APR), \ucd08\uae30 \ud3ec\uc778\ud2b8 \ube44\uc6a9, \uc6d4 \ub0a9\uc785\uae08\uc774 \uacc4\uc0b0\uae30\uc5d0 \ud45c\uc2dc\ub429\ub2c8\ub2e4. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ub2e8, \uc2e4\uc81c \ucd5c\uc885 \ub300\ucd9c \uc870\uac74\uc740 \uc2e0\uccad\uc790\uc758 \uc2e0\uc6a9 \ud504\ub85c\ud544, \uc8fc\ud0dd \uc0c1\uc138 \uc694\uac74, \uadf8\ub9ac\uace0 \ucd5c\uc885 \uc2ec\uc0ac(Underwriting) \uacb0\uacfc\uc5d0 \ub530\ub77c \ubcc0\ub3d9\ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped wp-block-gallery-1 is-layout-flex wp-block-gallery-is-layout-flex\">\n<figure class=\"wp-block-image size-large\"><a href=\"https:\/\/www.bankofamerica.com\/mortgage\/mortgage-rates\/\"><img decoding=\"async\" data-id=\"7912\" src=\"https:\/\/blog.loaning.ai\/en\/wp-content\/uploads\/2026\/07\/SCR-20260713-oheu-1024x829.jpeg\" alt=\"\" class=\"wp-image-7912\"\/><\/a><figcaption class=\"wp-element-caption\">Screenshot<\/figcaption><\/figure>\n\n\n\n<figure class=\"wp-block-image size-large\"><a href=\"https:\/\/www.bankofamerica.com\/mortgage\/mortgage-rates\/\"><img decoding=\"async\" data-id=\"7910\" src=\"https:\/\/blog.loaning.ai\/en\/wp-content\/uploads\/2026\/07\/SCR-20260713-ogss-1024x848.jpeg\" alt=\"\" class=\"wp-image-7910\"\/><\/a><figcaption class=\"wp-element-caption\">Screenshot<\/figcaption><\/figure>\n<\/figure>\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-\ubc45\ud06c\uc624\ube0c\uc544\uba54\ub9ac\uce74-boa-\ubaa8\uae30\uc9c0-\uae08\ub9ac\uc640-\ube44\uc6a9\" class=\"wp-block-heading\" style=\"font-size:24px\"><strong>\ubc45\ud06c\uc624\ube0c\uc544\uba54\ub9ac\uce74(BoA) \ubaa8\uae30\uc9c0 \uae08\ub9ac\uc640 \ube44\uc6a9<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\uc55e\uc11c \uc81c\uc2dc\ub41c \uc870\uac74\uc744 \uae30\uc900\uc73c\ub85c \ubc45\ud06c\uc624\ube0c\uc544\uba54\ub9ac\uce74(Bank of America)\uc758 30\ub144 \uace0\uc815 \ubaa8\uae30\uc9c0 \uae08\ub9ac\ub294 6.750%, 20\ub144 \uace0\uc815 \uae08\ub9ac\ub294 6.500%, 15\ub144 \uace0\uc815 \uae08\ub9ac\ub294 5.875%\uc785\ub2c8\ub2e4. \uc608\uc0c1 \uc6d4 \ub0a9\uc785\uae08\uc740 1,297\ub2ec\ub7ec\uc5d0\uc11c 1,674\ub2ec\ub7ec \uc120\uc774\uba70, \ub300\ucd9c \uae30\uac04\uc5d0 \ub530\ub77c \uc801\uc6a9\ub418\ub294 \ud3ec\uc778\ud2b8\uc640 \uc5f0\uc774\uc728(APR)\uc5d0 \ucc28\uc774\uac00 \uc788\uc2b5\ub2c8\ub2e4. \ud574\ub2f9 \uc218\uce58\ub294 20\ub9cc \ub2ec\ub7ec\uc758 \ub300\ucd9c\uae08\uacfc \uc6b0\uc218\ud55c \uc2e0\uc6a9\ub3c4\ub97c \uac16\ucd98 \ub300\ucd9c\uc790\ub97c \uac00\uc815\ud55c \uc608\uc2dc\uc774\ubbc0\ub85c, \uc2e4\uc81c \uc801\uc6a9\ub418\ub294 \uae08\ub9ac \ubc0f \ube44\uc6a9\uc740 \ub2ec\ub77c\uc9c8 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<section class=\"boa-rate-section\">\n\n  <div class=\"boa-rate-wrap\">\n\n    <div class=\"boa-rate-grid\">\n\n      <!-- 30-year fixed -->\n      <article class=\"boa-rate-card\">\n\n        <h2 class=\"boa-product-title\">30-year fixed<\/h2>\n\n        <div class=\"boa-card-divider\"><\/div>\n\n        <div class=\"boa-rate-list\">\n\n          <div class=\"boa-rate-row\">\n            <span class=\"boa-rate-label\">Rate<\/span>\n            <strong class=\"boa-rate-value\">6.750%<\/strong>\n          <\/div>\n\n          <div class=\"boa-rate-row\">\n            <span class=\"boa-rate-label\">APR<\/span>\n            <strong class=\"boa-rate-value\">6.967%<\/strong>\n          <\/div>\n\n          <div class=\"boa-rate-row\">\n            <span class=\"boa-rate-label\">Monthly Payment<\/span>\n            <strong class=\"boa-rate-value boa-payment-value\">$1,297<\/strong>\n          <\/div>\n\n          <div class=\"boa-rate-row\">\n            <span class=\"boa-rate-label\">Points \/ Cost<\/span>\n\n            <span class=\"boa-rate-value-group\">\n              <strong class=\"boa-rate-value\">$1,380<\/strong>\n              <small>0.690 points<\/small>\n            <\/span>\n          <\/div>\n\n        <\/div>\n\n      <\/article>\n\n\n      <!-- 20-year fixed -->\n      <article class=\"boa-rate-card\">\n\n        <h2 class=\"boa-product-title\">20-year fixed<\/h2>\n\n        <div class=\"boa-card-divider\"><\/div>\n\n        <div class=\"boa-rate-list\">\n\n          <div class=\"boa-rate-row\">\n            <span class=\"boa-rate-label\">Rate<\/span>\n            <strong class=\"boa-rate-value\">6.500%<\/strong>\n          <\/div>\n\n          <div class=\"boa-rate-row\">\n            <span class=\"boa-rate-label\">APR<\/span>\n            <strong class=\"boa-rate-value\">6.807%<\/strong>\n          <\/div>\n\n          <div class=\"boa-rate-row\">\n            <span class=\"boa-rate-label\">Monthly Payment<\/span>\n            <strong class=\"boa-rate-value boa-payment-value\">$1,491<\/strong>\n          <\/div>\n\n          <div class=\"boa-rate-row\">\n            <span class=\"boa-rate-label\">Points \/ Cost<\/span>\n\n            <span class=\"boa-rate-value-group\">\n              <strong class=\"boa-rate-value\">$1,788<\/strong>\n              <small>0.894 points<\/small>\n            <\/span>\n          <\/div>\n\n        <\/div>\n\n      <\/article>\n\n\n      <!-- 15-year fixed -->\n      <article class=\"boa-rate-card\">\n\n        <h2 class=\"boa-product-title\">15-year fixed<\/h2>\n\n        <div class=\"boa-card-divider\"><\/div>\n\n        <div class=\"boa-rate-list\">\n\n          <div class=\"boa-rate-row\">\n            <span class=\"boa-rate-label\">Rate<\/span>\n            <strong class=\"boa-rate-value\">5.875%<\/strong>\n          <\/div>\n\n          <div class=\"boa-rate-row\">\n            <span class=\"boa-rate-label\">APR<\/span>\n            <strong class=\"boa-rate-value\">6.259%<\/strong>\n          <\/div>\n\n          <div class=\"boa-rate-row\">\n            <span class=\"boa-rate-label\">Monthly Payment<\/span>\n            <strong class=\"boa-rate-value boa-payment-value\">$1,674<\/strong>\n          <\/div>\n\n          <div class=\"boa-rate-row\">\n            <span class=\"boa-rate-label\">Points \/ Cost<\/span>\n\n            <span class=\"boa-rate-value-group\">\n              <strong class=\"boa-rate-value\">$1,880<\/strong>\n              <small>0.940 points<\/small>\n            <\/span>\n          <\/div>\n\n        <\/div>\n\n      <\/article>\n\n    <\/div>\n\n\n    <!-- Disclosure -->\n    <div class=\"boa-rate-disclosure\">\n\n      <p class=\"boa-disclosure-title\">\n        Rates shown are valid as of July 10, 2026, at 11:13 PM Korea Standard Time.\n      <\/p>\n\n      <p>\n        The examples are based on a $200,000 mortgage loan and assume the\n        borrower has excellent credit, including a credit score of 740 or\n        higher. Estimated monthly payments include principal, interest and,\n        when applicable, required mortgage insurance.\n      <\/p>\n\n      <p>\n        Points costs were calculated by multiplying the displayed points\n        percentage by the $200,000 loan amount: 0.690 points equals $1,380,\n        0.894 points equals $1,788 and 0.940 points equals $1,880.\n      <\/p>\n\n      <p>\n        Property taxes, homeowners insurance, HOA dues, closing costs and\n        prepaid expenses may not be included in the displayed monthly payment.\n        Actual rates, APRs, payments, points and costs may vary based on the\n        borrower, property, loan amount, location, loan program and final\n        underwriting results.\n      <\/p>\n\n    <\/div>\n\n  <\/div>\n\n<\/section>\n\n\n<style>\n  .boa-rate-section,\n  .boa-rate-section * {\n    box-sizing: border-box;\n  }\n\n  .boa-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  .boa-rate-wrap {\n    width: 100%;\n    padding: 24px;\n    background: #f6f6f6;\n    border-radius: 18px;\n  }\n\n  \/*\n   * 30-year \/ 20-year \/ 15-year\n   *\/\n  .boa-rate-grid {\n    display: grid;\n    grid-template-columns: repeat(3, minmax(0, 1fr));\n    gap: 12px;\n    align-items: stretch;\n  }\n\n  .boa-rate-card {\n    min-width: 0;\n    padding: 22px 20px 24px;\n    overflow: hidden;\n    background: #ffffff;\n    border: 1px solid #dedede;\n    border-radius: 15px;\n  }\n\n  .boa-product-title {\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    white-space: nowrap;\n  }\n\n  .boa-card-divider {\n    width: 100%;\n    height: 1px;\n    margin: 17px 0 10px;\n    background: #dddddd;\n  }\n\n  .boa-rate-list {\n    display: flex;\n    flex-direction: column;\n    min-width: 0;\n  }\n\n  .boa-rate-row {\n    display: grid;\n    grid-template-columns:\n      minmax(0, 46%)\n      minmax(0, 54%);\n    align-items: center;\n    gap: 8px;\n    min-width: 0;\n    min-height: 54px;\n    padding: 9px 0;\n    border-bottom: 1px solid #e7e7e7;\n  }\n\n  .boa-rate-row:last-child {\n    border-bottom: 0;\n  }\n\n  .boa-rate-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  .boa-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  .boa-payment-value {\n    color: #064c91;\n    font-size: 18px;\n  }\n\n  .boa-rate-value-group {\n    display: flex;\n    flex-direction: column;\n    align-items: flex-end;\n    gap: 2px;\n    min-width: 0;\n    text-align: right;\n  }\n\n  .boa-rate-value-group small {\n    display: block;\n    color: #777777;\n    font-size: 8px;\n    line-height: 1.35;\n    white-space: nowrap;\n  }\n\n  .boa-rate-disclosure {\n    margin-top: 10px;\n    padding: 11px 13px;\n    background: #eeeeee;\n    border-radius: 9px;\n  }\n\n  .boa-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    letter-spacing: -0.02px;\n  }\n\n  .boa-rate-disclosure p:last-child {\n    margin-bottom: 0;\n  }\n\n  .boa-rate-disclosure .boa-disclosure-title {\n    color: #555555;\n    font-weight: 700;\n  }\n\n  \/*\n   * Tablet\n   *\/\n  @media (max-width: 900px) {\n    .boa-rate-wrap {\n      padding: 18px;\n      border-radius: 16px;\n    }\n\n    .boa-rate-grid {\n      gap: 8px;\n    }\n\n    .boa-rate-card {\n      padding: 18px 14px 20px;\n      border-radius: 13px;\n    }\n\n    .boa-product-title {\n      font-size: 17px;\n    }\n\n    .boa-card-divider {\n      margin: 14px 0 8px;\n    }\n\n    .boa-rate-row {\n      grid-template-columns:\n        minmax(0, 44%)\n        minmax(0, 56%);\n      gap: 6px;\n      min-height: 48px;\n      padding: 8px 0;\n    }\n\n    .boa-rate-label {\n      font-size: 10px;\n    }\n\n    .boa-rate-value {\n      font-size: 13px;\n    }\n\n    .boa-payment-value {\n      font-size: 15px;\n    }\n\n    .boa-rate-value-group small {\n      font-size: 6.5px;\n    }\n\n    .boa-rate-disclosure p {\n      font-size: 7.5px;\n    }\n  }\n\n  \/*\n   * Mobile\n   *\/\n  @media (max-width: 620px) {\n    .boa-rate-wrap {\n      padding: 14px;\n    }\n\n    .boa-rate-grid {\n      grid-template-columns: 1fr;\n      gap: 9px;\n    }\n\n    .boa-rate-card {\n      padding: 19px 18px;\n    }\n\n    .boa-product-title {\n      font-size: 19px;\n    }\n\n    .boa-rate-row {\n      grid-template-columns:\n        minmax(0, 44%)\n        minmax(0, 56%);\n      gap: 10px;\n      min-height: 50px;\n      padding: 9px 0;\n    }\n\n    .boa-rate-label {\n      font-size: 13px;\n    }\n\n    .boa-rate-value {\n      font-size: 16px;\n    }\n\n    .boa-payment-value {\n      font-size: 18px;\n    }\n\n    .boa-rate-value-group small {\n      font-size: 8px;\n    }\n  }\n\n  @media (max-width: 360px) {\n    .boa-rate-card {\n      padding: 17px 14px;\n    }\n\n    .boa-product-title {\n      font-size: 18px;\n    }\n\n    .boa-rate-label {\n      font-size: 12px;\n    }\n\n    .boa-rate-value {\n      font-size: 15px;\n    }\n\n    .boa-payment-value {\n      font-size: 17px;\n    }\n  }\n<\/style>\n\n\n\n<p class=\"has-white-color has-text-color has-link-color wp-elements-3 wp-block-paragraph\">.<\/p>\n\n\n\n<h2 id=\"h-\ubc45\ud06c\uc624\ube0c\uc544\uba54\ub9ac\uce74-bank-of-america-\ubaa8\uae30\uc9c0-\uae08\ub9ac\uc5d0-\ub530\ub978-\uc608\uc0c1-\uc6d4-\uc0c1\ud658\uc561\" class=\"wp-block-heading\" style=\"font-size:24px\"><strong>\ubc45\ud06c\uc624\ube0c\uc544\uba54\ub9ac\uce74(Bank of America) \ubaa8\uae30\uc9c0 \uae08\ub9ac\uc5d0 \ub530\ub978 \uc608\uc0c1 \uc6d4 \uc0c1\ud658\uc561<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\ubc45\ud06c\uc624\ube0c\uc544\uba54\ub9ac\uce74 \ub300\ucd9c\uc758 \uc774\uc790\uc728\uacfc \uc5f0\uc774\uc728(APR)\uc774 \ud5a5\ud6c4 \uc0c1\ud658\ud574\uc57c \ud560 \ucd1d\uc561\uc744 \uacb0\uc815\ud558\ub294 \ud575\uc2ec \uc694\uc18c\uc774\uae34 \ud558\uc9c0\ub9cc, \uc8fc\ud0dd \uac00\uce58(Home value) \uc5ed\uc2dc \uc6d4 \uc0c1\ud658\uc561\uc744 \uc0b0\uc815\ud558\ub294 \ub370 \uc788\uc5b4 \ub9e4\uc6b0 \uc911\uc694\ud55c \uc5ed\ud560\uc744 \ud569\ub2c8\ub2e4. \uc8fc\ud0dd \uac00\uaca9\uc5d0 \ub530\ub77c \ucd08\uae30 \uc790\uae08(\ub2e4\uc6b4\ud398\uc774\uba3c\ud2b8), \ubd80\ub300\ube44\uc6a9(\ud074\ub85c\uc9d5 \ube44\uc6a9), \ucd5c\uc885 \ub300\ucd9c \uae08\uc561 \ub4f1\uc774 \ub2ec\ub77c\uc9c8 \uc218 \uc788\uae30 \ub54c\ubb38\uc785\ub2c8\ub2e4. \ubb3c\ub860, \ub2e4\uc6b4\ud398\uc774\uba3c\ud2b8\ub97c \uc5bc\ub9c8\ub85c \uc124\uc815\ud560\uc9c0\ub294 \uc804\uc801\uc73c\ub85c \ubaa8\uae30\uc9c0 \ub300\ucd9c\uc744 \uc2e0\uccad\ud558\ub294 \uace0\uac1d\uc758 \uc120\ud0dd\uc5d0 \ub2ec\ub824 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc544\ub798\uc5d0\uc11c \ubc45\ud06c\uc624\ube0c\uc544\uba54\ub9ac\uce74\uac00 \uc81c\uacf5\ud558\ub294 \uba87 \uac00\uc9c0 \ubaa8\uae30\uc9c0 \ub300\ucd9c \uc635\uc158\ubcc4\ub85c \ub300\ucd9c \uae30\uac04 \ub3d9\uc548 \ub0a9\ubd80\ud558\uac8c \ub420 \uc608\uc0c1 \uc0c1\ud658\uc561\uc744 \ud655\uc778\ud574 \ubcf4\uc138\uc694. \ubaa8\uae30\uc9c0 \uc0c1\ud658\uc561\uc744 \uc815\ud655\ud788 \uc0b0\ucd9c\ud558\ub294 \ub370\uc5d0\ub294 \uc218\ub9ce\uc740 \ubcc0\uc218\uac00 \uc791\uc6a9\ud558\ubbc0\ub85c, \uc2e4\uc81c \uace0\uac1d\ub2d8\uc758 \uc0c1\ud669\uc5d0 \ub530\ub77c \uc0b0\ucd9c \uacb0\uacfc\uac00 \uc870\uae08\uc529 \ub2ec\ub77c\uc9c8 \uc218 \uc788\ub2e4\ub294 \uc810\uc744 \ucc38\uace0\ud574 \uc8fc\uc2dc\uae30 \ubc14\ub78d\ub2c8\ub2e4.<\/p>\n\n\n\n<div class=\"boa-payment-table\">\n\n  <table>\n\n    <colgroup>\n      <col class=\"boa-col-mortgage\">\n      <col class=\"boa-col-rate\">\n      <col class=\"boa-col-loan\">\n      <col class=\"boa-col-payment\">\n    <\/colgroup>\n\n    <thead>\n      <tr>\n        <th scope=\"col\">Mortgage<\/th>\n        <th scope=\"col\">Interest Rate<\/th>\n        <th scope=\"col\">Loan Size<\/th>\n        <th scope=\"col\">Your Payments<\/th>\n      <\/tr>\n    <\/thead>\n\n    <tbody>\n\n      <!-- 30-year fixed -->\n      <tr>\n        <th scope=\"row\">30-Year Fixed<\/th>\n\n        <td>6.750%<\/td>\n\n        <td>$200,000<\/td>\n\n        <td>\n          <span class=\"boa-payment-amount\">$1,297\/month<\/span>\n          <span class=\"boa-payment-term\">for 30 years<\/span>\n        <\/td>\n      <\/tr>\n\n\n      <!-- 20-year fixed -->\n      <tr>\n        <th scope=\"row\">20-Year Fixed<\/th>\n\n        <td>6.500%<\/td>\n\n        <td>$200,000<\/td>\n\n        <td>\n          <span class=\"boa-payment-amount\">$1,491\/month<\/span>\n          <span class=\"boa-payment-term\">for 20 years<\/span>\n        <\/td>\n      <\/tr>\n\n\n      <!-- 15-year fixed -->\n      <tr>\n        <th scope=\"row\">15-Year Fixed<\/th>\n\n        <td>5.875%<\/td>\n\n        <td>$200,000<\/td>\n\n        <td>\n          <span class=\"boa-payment-amount\">$1,674\/month<\/span>\n          <span class=\"boa-payment-term\">for 15 years<\/span>\n        <\/td>\n      <\/tr>\n\n    <\/tbody>\n\n  <\/table>\n\n\n  <!-- Disclosure -->\n  <div class=\"boa-payment-disclosure\">\n\n    <p>\n      These payment examples are based on a $200,000 mortgage loan and assume\n      the borrower has excellent credit, including a credit score of 740 or\n      higher. Estimated monthly payments include principal, interest and, when\n      applicable, required mortgage insurance.\n    <\/p>\n\n    <p>\n      Property taxes, homeowners insurance, HOA dues, closing costs and prepaid\n      expenses may not be included. Actual rates, APRs, points, monthly\n      payments and available terms may vary based on the quote date, borrower\n      qualifications, property details, location and final underwriting\n      results.\n    <\/p>\n\n  <\/div>\n\n<\/div>\n\n\n<style>\n  .boa-payment-table,\n  .boa-payment-table * {\n    box-sizing: border-box;\n  }\n\n  .boa-payment-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  .boa-payment-table table {\n    display: table;\n    width: 100% !important;\n    max-width: 100% !important;\n    min-width: 0 !important;\n    margin: 0 !important;\n    margin-left: 0 !important;\n    padding: 0;\n    table-layout: fixed;\n    border-collapse: collapse;\n    border-spacing: 0;\n    border: 0;\n  }\n\n  \/*\n   * Column widths\n   *\/\n  .boa-col-mortgage {\n    width: 26%;\n  }\n\n  .boa-col-rate {\n    width: 20%;\n  }\n\n  .boa-col-loan {\n    width: 20%;\n  }\n\n  .boa-col-payment {\n    width: 34%;\n  }\n\n  .boa-payment-table th,\n  .boa-payment-table td {\n    min-width: 0;\n    padding: 18px 16px;\n    vertical-align: middle;\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  .boa-payment-table th:last-child,\n  .boa-payment-table td:last-child {\n    border-right: 0;\n  }\n\n  .boa-payment-table thead th {\n    background-color: #f3f8ff;\n    color: #1f2937;\n    font-size: 14px;\n    line-height: 1.35;\n    font-weight: 700;\n  }\n\n  .boa-payment-table tbody th {\n    color: #374151;\n    font-size: 14px;\n    line-height: 1.4;\n    font-weight: 700;\n  }\n\n  .boa-payment-table tbody td {\n    color: #374151;\n    font-size: 14px;\n    line-height: 1.45;\n    font-weight: 400;\n  }\n\n  .boa-payment-table tbody tr:nth-child(odd) th,\n  .boa-payment-table tbody tr:nth-child(odd) td {\n    background-color: #f9fbff;\n  }\n\n  .boa-payment-table tbody tr:nth-child(even) th,\n  .boa-payment-table tbody tr:nth-child(even) td {\n    background-color: #ffffff;\n  }\n\n  .boa-payment-table tbody tr:last-child th,\n  .boa-payment-table tbody tr:last-child td {\n    border-bottom: 0;\n  }\n\n  \/*\n   * Payment amount and term\n   *\/\n  .boa-payment-amount,\n  .boa-payment-term {\n    display: inline;\n  }\n\n  .boa-payment-amount {\n    color: #064c91;\n    font-weight: 700;\n  }\n\n  .boa-payment-term {\n    color: #4b5563;\n  }\n\n  \/*\n   * Disclosure\n   *\/\n  .boa-payment-disclosure {\n    padding: 12px 16px;\n    background-color: #eef2f7;\n    border-top: 1px solid #dbeafe;\n  }\n\n  .boa-payment-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  .boa-payment-disclosure p:last-child {\n    margin-bottom: 0;\n  }\n\n  \/*\n   * Tablet\n   *\/\n  @media (max-width: 760px) {\n    .boa-col-mortgage {\n      width: 25%;\n    }\n\n    .boa-col-rate {\n      width: 19%;\n    }\n\n    .boa-col-loan {\n      width: 20%;\n    }\n\n    .boa-col-payment {\n      width: 36%;\n    }\n\n    .boa-payment-table th,\n    .boa-payment-table td {\n      padding: 14px 11px;\n    }\n\n    .boa-payment-table thead th {\n      font-size: 12px;\n    }\n\n    .boa-payment-table tbody th,\n    .boa-payment-table tbody td {\n      font-size: 12px;\n    }\n\n    .boa-payment-amount,\n    .boa-payment-term {\n      display: block;\n    }\n\n    .boa-payment-term {\n      margin-top: 2px;\n    }\n  }\n\n  \/*\n   * Mobile\n   *\/\n  @media (max-width: 520px) {\n    .boa-col-mortgage {\n      width: 25%;\n    }\n\n    .boa-col-rate {\n      width: 18%;\n    }\n\n    .boa-col-loan {\n      width: 20%;\n    }\n\n    .boa-col-payment {\n      width: 37%;\n    }\n\n    .boa-payment-table th,\n    .boa-payment-table td {\n      padding: 12px 7px;\n    }\n\n    .boa-payment-table thead th {\n      font-size: 10px;\n      line-height: 1.3;\n    }\n\n    .boa-payment-table tbody th,\n    .boa-payment-table tbody td {\n      font-size: 10px;\n      line-height: 1.35;\n    }\n\n    .boa-payment-disclosure {\n      padding: 10px 11px;\n    }\n\n    .boa-payment-disclosure p {\n      font-size: 7.5px;\n      line-height: 1.5;\n    }\n  }\n\n  \/*\n   * Very small screens\n   *\/\n  @media (max-width: 380px) {\n    .boa-payment-table th,\n    .boa-payment-table td {\n      padding: 10px 5px;\n    }\n\n    .boa-payment-table thead th {\n      font-size: 9px;\n    }\n\n    .boa-payment-table tbody th,\n    .boa-payment-table tbody td {\n      font-size: 9px;\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-\ubc45\ud06c\uc624\ube0c\uc544\uba54\ub9ac\uce74-\ubaa8\uae30\uc9c0-\uae08\ub9ac-\ud0c0\uc0ac-\ube44\uad50\" class=\"wp-block-heading\" style=\"font-size:24px\"><strong>\ubc45\ud06c\uc624\ube0c\uc544\uba54\ub9ac\uce74 \ubaa8\uae30\uc9c0 \uae08\ub9ac \ud0c0\uc0ac \ube44\uad50<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\ubc45\ud06c\uc624\ube0c\uc544\uba54\ub9ac\uce74 \uc5ed\uc2dc \uacbd\uc7c1\ub825 \uc788\ub294 \uc218\uc900\uc758 \ubaa8\uae30\uc9c0 \uae08\ub9ac\ub97c \uc81c\uacf5\ud558\ub294 \ud3b8\uc778\ub370\uc694,<br>\ub2e4\ub9cc, \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\/\ud06c\ub808\ub527) \ubd80\ub2f4\uc744 \ud55c\uce35 \ub354 \ub0ae\ucd9c \uc218 \uc788\uc2b5\ub2c8\ub2e4. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Loaning.ai\ub294 100% \uc628\ub77c\uc778\uc73c\ub85c \ub300\ucd9c\uc744 \uc9c4\ud589\ud558\ub294 \uc9c1\uc811 \ub300\ucd9c \uae30\uad00(Direct Lender)\uc774\uae30 \ub54c\ubb38\uc774\uc8e0. <br>\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. \uc9c0\uae08 \ubc14\ub85c \uc544\ub798\uc5d0\uc11c \uadf8 \ucc28\uc774\ub97c \uc9c1\uc811 \ud655\uc778\ud574 \ubcf4\uc138\uc694.\ud83d\ude0e<\/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 \uc138\ubd80 \ub300\ucd9c \ub0b4\uc6a9\uc5d0 \ub530\ub77c \ubcc0\ub3d9\ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4.) <\/p>\n\n\n\n<section class=\"rate-comparison-section\">\n\n  <!-- ======================================================\n       30-year fixed\n  ======================================================= -->\n  <div class=\"rate-product-group\">\n\n    <h2 class=\"rate-product-title\">30-year fixed<\/h2>\n\n    <div class=\"rate-lender-grid\">\n\n      <!-- Bank of America -->\n      <article class=\"rate-lender-card\">\n\n        <div class=\"rate-card-header\">\n\n          <h3 class=\"rate-lender-name\">\n            Bank of America\n          <\/h3>\n\n          <span class=\"rate-loan-badge rate-loan-badge-standard\">\n            Fixed\n          <\/span>\n\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\n            <strong class=\"rate-data-value\">\n              6.750%\n            <\/strong>\n          <\/div>\n\n          <div class=\"rate-data-row\">\n            <span class=\"rate-data-label\">APR<\/span>\n\n            <strong class=\"rate-data-value\">\n              6.967%\n            <\/strong>\n          <\/div>\n\n          <div class=\"rate-data-row\">\n            <span class=\"rate-data-label\">Monthly Payment<\/span>\n\n            <strong class=\"rate-data-value rate-payment-value\">\n              $1,297\n            <\/strong>\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\">\n                $1,380\n              <\/strong>\n\n              <small>\n                0.690 points\n              <\/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\n          <h3 class=\"rate-lender-name\">\n            Loaning.ai\n          <\/h3>\n\n          <span class=\"rate-loan-badge\">\n            FHA\n          <\/span>\n\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\n            <strong class=\"rate-data-value\">\n              5.750%\n            <\/strong>\n          <\/div>\n\n          <div class=\"rate-data-row\">\n            <span class=\"rate-data-label\">APR<\/span>\n\n            <strong class=\"rate-data-value\">\n              5.856%\n            <\/strong>\n          <\/div>\n\n          <div class=\"rate-data-row\">\n            <span class=\"rate-data-label\">Monthly Payment<\/span>\n\n            <strong class=\"rate-data-value rate-payment-value\">\n              $1,746.70\n            <\/strong>\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\">\n                $687.50\n              <\/strong>\n\n              <small>\n                0.250 points\n              <\/small>\n            <\/span>\n          <\/div>\n\n        <\/div>\n\n      <\/article>\n\n    <\/div>\n\n  <\/div>\n\n\n  <!-- ======================================================\n       15-year fixed\n  ======================================================= -->\n  <div class=\"rate-product-group\">\n\n    <h2 class=\"rate-product-title\">15-year fixed<\/h2>\n\n    <div class=\"rate-lender-grid\">\n\n      <!-- Bank of America -->\n      <article class=\"rate-lender-card\">\n\n        <div class=\"rate-card-header\">\n\n          <h3 class=\"rate-lender-name\">\n            Bank of America\n          <\/h3>\n\n          <span class=\"rate-loan-badge rate-loan-badge-standard\">\n            Fixed\n          <\/span>\n\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\n            <strong class=\"rate-data-value\">\n              5.875%\n            <\/strong>\n          <\/div>\n\n          <div class=\"rate-data-row\">\n            <span class=\"rate-data-label\">APR<\/span>\n\n            <strong class=\"rate-data-value\">\n              6.259%\n            <\/strong>\n          <\/div>\n\n          <div class=\"rate-data-row\">\n            <span class=\"rate-data-label\">Monthly Payment<\/span>\n\n            <strong class=\"rate-data-value rate-payment-value\">\n              $1,674\n            <\/strong>\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\">\n                $1,880\n              <\/strong>\n\n              <small>\n                0.940 points\n              <\/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\n          <h3 class=\"rate-lender-name\">\n            Loaning.ai\n          <\/h3>\n\n          <span class=\"rate-loan-badge\">\n            FHA\n          <\/span>\n\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\n            <strong class=\"rate-data-value\">\n              5.500%\n            <\/strong>\n          <\/div>\n\n          <div class=\"rate-data-row\">\n            <span class=\"rate-data-label\">APR<\/span>\n\n            <strong class=\"rate-data-value\">\n              5.638%\n            <\/strong>\n          <\/div>\n\n          <div class=\"rate-data-row\">\n            <span class=\"rate-data-label\">Monthly Payment<\/span>\n\n            <strong class=\"rate-data-value rate-payment-value\">\n              $2,398.17\n            <\/strong>\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\">\n                $0.00\n              <\/strong>\n\n              <small>\n                0.000 points\n              <\/small>\n            <\/span>\n          <\/div>\n\n        <\/div>\n\n      <\/article>\n\n    <\/div>\n\n  <\/div>\n\n\n  <!-- Disclosure -->\n  <div class=\"rate-comparison-disclosure\">\n\n    <p>\n      The displayed Bank of America examples are based on a $200,000 mortgage\n      loan and assume excellent credit, including a credit score of 740 or\n      higher. The estimated monthly payments may include principal, interest\n      and, when applicable, required mortgage insurance.\n    <\/p>\n\n    <p>\n      Bank of America points costs were calculated using the displayed\n      $200,000 loan amount. For the 30-year example, 0.690 points equals\n      $1,380. For the 15-year example, 0.940 points equals $1,880.\n    <\/p>\n\n    <p>\n      The Loaning.ai figures are separate FHA loan estimates based on the\n      assumptions used for each displayed quote. Their monthly payments may\n      include principal, interest, upfront mortgage insurance reflected in the\n      estimate and monthly Mortgage Insurance Premium.\n    <\/p>\n\n    <p>\n      Because the Bank of America and Loaning.ai examples may use different\n      loan amounts, mortgage programs, insurance structures and pricing\n      assumptions, the displayed monthly payments and upfront costs should not\n      be interpreted as a like-for-like comparison of identical loans.\n    <\/p>\n\n    <p>\n      Property taxes, homeowners insurance, HOA dues, prepaid expenses and\n      closing costs may not be included. Actual rates, APRs, monthly payments,\n      points and costs may vary based on the quote date, credit profile, loan\n      amount, down payment, property details, location, selected program,\n      rate-lock period and final underwriting results.\n    <\/p>\n\n  <\/div>\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-of-type {\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: 28px;\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    word-break: keep-all;\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 0 auto;\n    align-items: center;\n    justify-content: center;\n    max-width: 48%;\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    width: 100%;\n  }\n\n  .rate-data-row {\n    display: grid;\n    grid-template-columns:\n      minmax(0, 44%)\n      minmax(0, 56%);\n    align-items: center;\n    gap: 8px;\n    min-width: 0;\n    width: 100%;\n    min-height: 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-payment-value {\n    color: #064c91;\n    font-size: 18px;\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    max-width: 100%;\n    text-align: right;\n  }\n\n  .rate-value-group small {\n    display: block;\n    max-width: 100%;\n    color: #777777;\n    font-size: 9px;\n    line-height: 1.35;\n    font-weight: 400;\n    white-space: nowrap;\n  }\n\n  .rate-comparison-disclosure {\n    margin-top: 10px;\n    padding: 11px 13px;\n    background: #eeeeee;\n    border-radius: 9px;\n  }\n\n  .rate-comparison-disclosure p {\n    margin: 0 0 5px;\n    color: #666666;\n    font-size: 8px;\n    line-height: 1.5;\n    font-weight: 400;\n    letter-spacing: -0.02px;\n  }\n\n  .rate-comparison-disclosure p:last-child {\n    margin-bottom: 0;\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      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-payment-value {\n      font-size: 15px;\n    }\n\n    .rate-value-group small {\n      font-size: 7px;\n    }\n\n    .rate-comparison-disclosure p {\n      font-size: 7.5px;\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: 9px;\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: 46%;\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-payment-value {\n      font-size: 17px;\n    }\n\n    .rate-value-group small {\n      font-size: 8px;\n    }\n\n    .rate-comparison-disclosure {\n      margin-top: 8px;\n      padding: 10px 11px;\n    }\n\n    .rate-comparison-disclosure p {\n      font-size: 7.5px;\n      line-height: 1.5;\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-label {\n      font-size: 11px;\n    }\n\n    .rate-data-value {\n      font-size: 13.5px;\n    }\n\n    .rate-payment-value {\n      font-size: 16px;\n    }\n\n    .rate-value-group small {\n      font-size: 7px;\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\n    <p>\n      <strong>Important comparison note:<\/strong>\n      The Bank of America and Loaning.ai examples were generated using different\n      loan amounts, loan programs and pricing assumptions. The displayed rates,\n      APRs, monthly payments and upfront costs should therefore not be treated\n      as a direct, like-for-like comparison of identical mortgage products.\n    <\/p>\n\n\n    <p>\n      <strong>Bank of America assumptions:<\/strong>\n      The Bank of America figures are purchase mortgage examples based on a\n      $200,000 loan amount and assume a borrower with excellent credit,\n      including a credit score of 740 or higher. The displayed monthly payments\n      include estimated principal, interest and, when applicable, required\n      mortgage insurance.\n    <\/p>\n\n    <p>\n      Property taxes, homeowners insurance, HOA dues, closing costs, prepaid\n      expenses and other housing-related costs may not be included in the\n      displayed Bank of America monthly payments.\n    <\/p>\n\n\n    <ul>\n      <li>\n        <strong>30-year Bank of America fixed:<\/strong>\n        6.750% interest rate, 6.967% APR, $1,297 estimated monthly payment\n        and 0.690 points.\n      <\/li>\n\n      <li>\n        <strong>15-year Bank of America fixed:<\/strong>\n        5.875% interest rate, 6.259% APR, $1,674 estimated monthly payment\n        and 0.940 points.\n      <\/li>\n    <\/ul>\n\n\n    <p>\n      Bank of America points costs were estimated by multiplying the displayed\n      points by the $200,000 loan amount. Under this assumption, 0.690 points\n      equals approximately $1,380 and 0.940 points equals approximately $1,880.\n      These amounts represent estimated discount-point costs and are not lender\n      credits, cash back or refunds.\n    <\/p>\n\n\n    <p>\n      <strong>Loaning.ai assumptions:<\/strong>\n      The Loaning.ai figures shown are separate FHA mortgage estimates based on\n      the borrower and property information entered when the quotes were\n      generated. The displayed monthly payments may include estimated principal,\n      interest, upfront mortgage insurance reflected in the estimate and monthly\n      Mortgage Insurance Premium (MIP).\n    <\/p>\n\n    <p>\n      Loaning.ai monthly payment estimates exclude property taxes, homeowners\n      insurance, HOA dues, closing costs, prepaid expenses and other costs unless\n      expressly stated otherwise in the displayed quote.\n    <\/p>\n\n\n    <ul>\n      <li>\n        <strong>30-year Loaning.ai FHA fixed:<\/strong>\n        5.750% interest rate, 5.856% APR, $1,746.70 estimated monthly payment\n        and 0.250 points, equal to approximately $687.50 based on the displayed\n        quote.\n      <\/li>\n\n      <li>\n        <strong>15-year Loaning.ai FHA fixed:<\/strong>\n        5.500% interest rate, 5.638% APR, $2,398.17 estimated monthly payment\n        and 0.000 points, equal to $0.00.\n      <\/li>\n    <\/ul>\n\n\n    <p>\n      FHA loans generally require an upfront Mortgage Insurance Premium and an\n      annual Mortgage Insurance Premium collected through monthly installments.\n      The amount and duration of mortgage insurance may vary based on the loan\n      term, loan amount, loan-to-value ratio and applicable FHA requirements.\n    <\/p>\n\n\n    <p>\n      The interest rate and APR are different measures. The interest rate\n      reflects the cost of borrowing the principal, while the APR may include\n      the interest rate, discount points and certain lender or loan charges.\n      Points and lender credits may affect both the interest rate and the amount\n      due at closing.\n    <\/p>\n\n\n    <p>\n      Actual rates, APRs, monthly payments, discount points, lender credits,\n      mortgage insurance, closing costs and eligibility may vary based on\n      market conditions, quote date and time, credit history, income, assets,\n      debt obligations, loan amount, purchase price, down payment, LTV,\n      occupancy, property type, location, selected loan program, rate-lock\n      period, escrow requirements and final underwriting results.\n    <\/p>\n\n\n    <p class=\"mortgage-legal-last\">\n      The Bank of America figures reflect the rates displayed on July 10, 2026,\n      at 11:13 PM Korea Standard Time. Loaning.ai figures are based on the\n      estimates displayed when the comparison was prepared. Consumers should\n      request and review an official Loan Estimate from each lender 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-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<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_boa_mortgage\">\n      <span>Loan Type<\/span>\n      <strong>Purchase<\/strong>\n    <\/a>\n\n    <a class=\"loaning-rate-field\" href=\"https:\/\/loaning.ai\/tools\/compare-rates?utm_source=blog_official&#038;utm_medium=loaning_kr&#038;utm_campaign=lender_compare&#038;utm_content=lender_compare_boa_mortgage\">\n      <span>Loan Term<\/span>\n      <strong>30-Year Fixed<\/strong>\n    <\/a>\n\n    <a class=\"loaning-rate-field\" href=\"https:\/\/loaning.ai\/tools\/compare-rates?utm_source=blog_official&#038;utm_medium=loaning_kr&#038;utm_campaign=lender_compare&#038;utm_content=lender_compare_boa_mortgage\">\n      <span>City<\/span>\n      <strong>Enter your city<\/strong>\n    <\/a>\n\n    <a class=\"loaning-rate-button\" href=\"https:\/\/loaning.ai\/tools\/compare-rates?utm_source=blog_official&#038;utm_medium=loaning_kr&#038;utm_campaign=lender_compare&#038;utm_content=lender_compare_boa_mortgage\">\n      Compare\n    <\/a>\n  <\/div>\n\n  <p class=\"loaning-rate-note\">No impact to your credit score<\/p>\n<\/div>\n\n<style>\n.loaning-rate-box,\n.loaning-rate-box * {\n  box-sizing: border-box;\n}\n\n.loaning-rate-box {\n  width: 100%;\n  max-width: 960px;\n  margin: 28px auto;\n  padding: 24px 26px 22px;\n  border: 1px solid #e5e7eb;\n  border-radius: 10px;\n  background: #ffffff;\n  box-shadow: 0 2px 8px rgba(15, 23, 42, 0.12);\n  font-family: inherit;\n  color: #111827;\n  overflow: hidden;\n}\n\n.loaning-rate-box h2 {\n  margin: 0 0 20px;\n  text-align: center;\n  font-size: 23px;\n  line-height: 1.25;\n  font-weight: 800;\n  color: #111827;\n  white-space: nowrap;\n  letter-spacing: -0.02em;\n}\n\n.loaning-rate-form {\n  display: grid;\n  grid-template-columns: minmax(120px, 0.85fr) minmax(120px, 0.85fr) minmax(120px, 0.85fr) minmax(170px, 1.15fr);\n  gap: 14px;\n  align-items: stretch;\n  width: 100%;\n}\n\n.loaning-rate-field {\n  display: block;\n  min-height: 58px;\n  padding: 10px 12px;\n  border: 1px solid #9ca3af;\n  border-radius: 5px;\n  background: #ffffff;\n  color: #111827 !important;\n  text-decoration: none !important;\n  transition: border-color 0.2s ease, box-shadow 0.2s ease;\n  overflow: hidden;\n}\n\n.loaning-rate-field:hover {\n  border-color: #0073cf;\n  box-shadow: 0 0 0 2px rgba(0, 115, 207, 0.12);\n}\n\n.loaning-rate-field span {\n  display: block;\n  margin-bottom: 3px;\n  font-size: 11px;\n  line-height: 1.2;\n  color: #6b7280;\n  white-space: nowrap;\n}\n\n.loaning-rate-field strong {\n  display: block;\n  font-size: 14px;\n  line-height: 1.25;\n  font-weight: 700;\n  color: #374151;\n}\n\n.loaning-rate-button {\n  display: flex;\n  align-items: center;\n  justify-content: center;\n  min-height: 58px;\n  padding: 0 28px;\n  border-radius: 999px;\n  background: #22c965;\n  color: #ffffff !important;\n  text-decoration: none !important;\n  font-size: 16px;\n  line-height: 1.2;\n  font-weight: 800;\n  white-space: nowrap;\n  box-shadow: 0 4px 10px rgba(34, 201, 101, 0.18);\n  transition: background-color 0.2s ease, transform 0.2s ease, box-shadow 0.2s ease;\n}\n\n.loaning-rate-button:hover {\n  background: #1db65a;\n  color: #ffffff !important;\n  transform: translateY(-1px);\n  box-shadow: 0 6px 14px rgba(34, 201, 101, 0.24);\n}\n\n.loaning-rate-note {\n  margin: 6px 0 0;\n  text-align: center;\n  font-size: 13px;\n  line-height: 1.4;\n  color: #374151;\n}\n\n.loaning-rate-note::before {\n  content: \"\u25a3\";\n  display: inline-block;\n  margin-right: 6px;\n  font-size: 10px;\n  color: #111827;\n  vertical-align: 1px;\n}\n\n@media (max-width: 900px) {\n  .loaning-rate-box h2 {\n    font-size: 21px;\n    white-space: normal;\n  }\n\n  .loaning-rate-form {\n    grid-template-columns: 1fr 1fr;\n  }\n\n  .loaning-rate-button {\n    grid-column: span 2;\n  }\n}\n\n@media (max-width: 600px) {\n  .loaning-rate-box {\n    padding: 20px 16px;\n    margin: 24px 0;\n  }\n\n  .loaning-rate-box h2 {\n    font-size: 20px;\n    text-align: left;\n    white-space: normal;\n  }\n\n  .loaning-rate-form {\n    grid-template-columns: 1fr;\n    gap: 10px;\n  }\n\n  .loaning-rate-field {\n    min-height: 52px;\n  }\n\n  .loaning-rate-button {\n    grid-column: auto;\n    width: 100%;\n    min-height: 50px;\n  }\n\n  .loaning-rate-note {\n    font-size: 13px;\n    margin-top: 10px;\n  }\n}\n<\/style>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/blog.loaning.ai\/en\/6102\/\">\ud83d\udc49 How to Use Loaning.ai&#8217;s Mortgage Rates Calculator?<\/a><\/p>\n\n\n\n<p class=\"has-white-color has-text-color has-link-color wp-elements-5 wp-block-paragraph\">.<\/p>\n\n\n\n<h2 id=\"h-\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_boa_mortgage\" style=\"background-color:#49cf7e\"><strong>\ud83d\udc49 Check My Mortgage Rate<\/strong><\/a><\/div>\n<\/div>\n\n\n\n<p class=\"has-white-color has-text-color has-link-color wp-elements-6 wp-block-paragraph\">.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\ubc45\ud06c\uc624\ube0c\uc544\uba54\uc774\uce74(BoA, Bank of America) \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 [&hellip;]<\/p>\n","protected":false},"author":12,"featured_media":15618,"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-15616","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 v28.5) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>\ubc45\ud06c\uc624\ube0c\uc544\uba54\ub9ac\uce74(BoA) \ubaa8\uae30\uc9c0 \uae08\ub9ac \uacc4\uc0b0\uae30 | See This Week&#039;s Rates<\/title>\n<meta name=\"description\" content=\"\ubc45\ud06c\uc624\ube0c\uc544\uba54\ub9ac\uce74 \ubaa8\uae30\uc9c0 \uae08\ub9ac,(30\ub144 \uace0\uc815 6.750%, 15\ub144 \uace0\uc815 5.625%), \ud655\uc778\ud574 \ubcf4\uc168\ub098\uc694? \uadf8\ub807\ub2e4\uba74, \ub3d9\uc77c \ubaa8\uae30\uc758 Loaning.ai \uae08\ub9ac\ub3c4 \ud55c\ubc88 \ube44\uad50\ud574 \ubcf4\uc2dc\uba74 \uc5b4\ub5a8\uae4c\uc694? Loaning.ai\ub294 \ubc14\uc774\uc5b4\ubd84\ub4e4\uc758 \uc2a4\ub9c8\ud2b8\ud55c \ub0b4\uc9d1 \ub9c8\ub828\uc744 \uc751\uc6d0\ud569\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\/15616\/\" \/>\n<meta property=\"og:locale\" content=\"ko_KR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\ubc45\ud06c\uc624\ube0c\uc544\uba54\ub9ac\uce74(BoA) \ubaa8\uae30\uc9c0 \uae08\ub9ac \uacc4\uc0b0\uae30 | See This Week&#039;s Rates\" \/>\n<meta property=\"og:description\" content=\"\ubc45\ud06c\uc624\ube0c\uc544\uba54\ub9ac\uce74 \ubaa8\uae30\uc9c0 \uae08\ub9ac,(30\ub144 \uace0\uc815 6.750%, 15\ub144 \uace0\uc815 5.625%), \ud655\uc778\ud574 \ubcf4\uc168\ub098\uc694? \uadf8\ub807\ub2e4\uba74, \ub3d9\uc77c \ubaa8\uae30\uc758 Loaning.ai \uae08\ub9ac\ub3c4 \ud55c\ubc88 \ube44\uad50\ud574 \ubcf4\uc2dc\uba74 \uc5b4\ub5a8\uae4c\uc694? 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