{"id":16289,"date":"2026-09-21T17:59:40","date_gmt":"2026-09-21T08:59:40","guid":{"rendered":"https:\/\/blog.loaning.ai\/ko\/?p=16289"},"modified":"2026-09-21T17:59:43","modified_gmt":"2026-09-21T08:59:43","slug":"%eb%af%b8%ea%b5%ad-non-qm-%eb%aa%a8%ea%b8%b0%ec%a7%80%eb%9e%80-%eb%ac%b4%ec%97%87%ec%9d%b8%ea%b0%80","status":"publish","type":"post","link":"https:\/\/blog.loaning.ai\/ko\/16289\/","title":{"rendered":"\ubbf8\uad6d Non-QM \ubaa8\uae30\uc9c0\ub780 \ubb34\uc5c7\uc778\uac00: \uc18c\ub4dd \uc99d\ube59\uacfc \ub300\ucd9c \uc694\uac74"},"content":{"rendered":"\n<style id=\"loaning-mortgage-guide-design-system\">\n  @import url(\"https:\/\/cdn.jsdelivr.net\/gh\/orioncactus\/pretendard@v1.3.9\/dist\/web\/variable\/pretendardvariable-dynamic-subset.min.css\");\n\n  .loaning-geo-article,\n  .loaning-geo-article * {\n    box-sizing: border-box !important;\n    font-family: \"Pretendard Variable\", Pretendard, -apple-system, BlinkMacSystemFont, \"Segoe UI\", sans-serif !important;\n    -webkit-print-color-adjust: exact !important;\n    print-color-adjust: exact !important;\n  }\n\n  .loaning-geo-article {\n    --loaning-green: #15966b;\n    --loaning-green-dark: #15583f;\n    --loaning-green-soft: #eef8f4;\n    --loaning-blue: #0073cf;\n    --loaning-answer: #10b981;\n    --loaning-ink: #26332d;\n    --loaning-muted: #68756f;\n    --loaning-line: #e1e7e4;\n    width: 100% !important;\n    max-width: 860px !important;\n    margin: 0 auto !important;\n    padding: 0 16px 140px !important;\n    color: var(--loaning-ink) !important;\n    font-size: 16px !important;\n    font-weight: 400 !important;\n    line-height: 1.75 !important;\n    letter-spacing: -0.012em !important;\n    word-break: keep-all !important;\n    overflow-wrap: break-word !important;\n  }\n\n  .loaning-geo-article > p:not(.loaning-table-footnote),\n  .loaning-geo-article > ul,\n  .loaning-geo-article > ol {\n    margin-top: 0 !important;\n    color: var(--loaning-ink) !important;\n    font-size: 16px !important;\n    line-height: 1.75 !important;\n  }\n\n  .loaning-geo-article > p:not(.loaning-table-footnote) {\n    margin-bottom: 16px !important;\n  }\n\n  .loaning-geo-article > h2 {\n    margin: 0 0 20px !important;\n    padding: 0 0 10px !important;\n    border-bottom: 1px solid #dce5e0 !important;\n    color: #173f2e !important;\n    font-size: 26px !important;\n    font-weight: 700 !important;\n    line-height: 1.38 !important;\n    letter-spacing: -0.025em !important;\n  }\n\n  .loaning-geo-article h3 {\n    margin: 32px 0 12px !important;\n    padding: 2px 0 2px 14px !important;\n    border-left: 4px solid #49cc7f !important;\n    background: transparent !important;\n    color: #1d513b !important;\n    font-size: 20px !important;\n    font-weight: 700 !important;\n    line-height: 1.45 !important;\n    letter-spacing: -0.018em !important;\n  }\n\n  .loaning-geo-article a:not(.loaning-rate-field):not(.loaning-rate-button):not(.loaning-floating-cta__link) {\n    color: #0b7452 !important;\n    text-decoration-thickness: 1px !important;\n    text-underline-offset: 3px !important;\n  }\n\n  .loaning-geo-article a:not(.loaning-rate-field):not(.loaning-rate-button):not(.loaning-floating-cta__link):focus-visible {\n    outline: 3px solid rgba(73, 204, 127, 0.35) !important;\n    outline-offset: 3px !important;\n  }\n\n  .loaning-article-tools {\n    position: relative !important;\n    z-index: 20 !important;\n    display: flex !important;\n    align-items: center !important;\n    justify-content: space-between !important;\n    gap: 18px !important;\n    width: 100% !important;\n    margin: 0 0 24px !important;\n    padding: 4px 0 18px !important;\n    border: 0 !important;\n    border-bottom: 1px solid #e3eae6 !important;\n    border-radius: 0 !important;\n    background: transparent !important;\n    box-shadow: none !important;\n  }\n\n  .loaning-article-tools__keywords {\n    display: flex !important;\n    flex: 1 1 auto !important;\n    flex-wrap: wrap !important;\n    align-items: center !important;\n    gap: 7px 14px !important;\n    min-width: 0 !important;\n  }\n\n  .loaning-article-tools__label {\n    flex-basis: 100% !important;\n    color: #7a8680 !important;\n    font-size: 11px !important;\n    font-weight: 700 !important;\n    line-height: 17px !important;\n  }\n\n  .loaning-article-tools__keywords a {\n    display: inline-block !important;\n    min-height: 32px !important;\n    padding: 6px 0 !important;\n    border: 0 !important;\n    background: transparent !important;\n    color: #27664a !important;\n    font-size: 13px !important;\n    font-weight: 650 !important;\n    line-height: 20px !important;\n    text-decoration: none !important;\n    white-space: nowrap !important;\n    transition: color 0.2s ease, transform 0.2s ease !important;\n  }\n\n  .loaning-article-tools__keywords a:hover {\n    color: #15966b !important;\n    transform: translateY(-1px) !important;\n  }\n\n  .loaning-article-tools__actions {\n    position: relative !important;\n    display: flex !important;\n    flex: 0 0 auto !important;\n    align-items: center !important;\n    gap: 10px !important;\n  }\n\n  .loaning-ai-summary {\n    position: relative !important;\n  }\n\n  .loaning-ai-summary > summary {\n    display: flex !important;\n    align-items: center !important;\n    justify-content: center !important;\n    gap: 8px !important;\n    min-height: 44px !important;\n    padding: 8px 14px !important;\n    border: 1px solid #d5e2db !important;\n    border-radius: 999px !important;\n    background: #ffffff !important;\n    color: #173f2e !important;\n    font-size: 14px !important;\n    font-weight: 700 !important;\n    line-height: 20px !important;\n    list-style: none !important;\n    white-space: nowrap !important;\n    cursor: pointer !important;\n    box-shadow: 0 2px 8px rgba(31, 78, 59, 0.07) !important;\n    transition: border-color 0.2s ease, color 0.2s ease, box-shadow 0.2s ease !important;\n  }\n\n  .loaning-ai-summary > summary::-webkit-details-marker {\n    display: none !important;\n  }\n\n  .loaning-ai-summary > summary::marker {\n    content: \"\" !important;\n  }\n\n  .loaning-ai-summary > summary:hover,\n  .loaning-ai-summary[open] > summary {\n    border-color: #a9cdbb !important;\n    color: #15966b !important;\n    box-shadow: 0 4px 12px rgba(31, 78, 59, 0.1) !important;\n  }\n\n  .loaning-ai-summary > summary:focus-visible,\n  .loaning-share-button:focus-visible {\n    outline: 3px solid rgba(73, 204, 127, 0.3) !important;\n    outline-offset: 3px !important;\n  }\n\n  .loaning-ai-summary__icon,\n  .loaning-ai-summary__chevron,\n  .loaning-share-button svg {\n    display: block !important;\n    flex: 0 0 auto !important;\n  }\n\n  .loaning-ai-summary__icon {\n    width: 19px !important;\n    height: 19px !important;\n    color: #15966b !important;\n  }\n\n  .loaning-ai-summary__chevron {\n    width: 13px !important;\n    height: 13px !important;\n    color: #52635b !important;\n    transition: transform 0.2s ease !important;\n  }\n\n  .loaning-ai-summary[open] .loaning-ai-summary__chevron {\n    transform: rotate(180deg) !important;\n  }\n\n  .loaning-ai-summary__panel {\n    position: absolute !important;\n    z-index: 40 !important;\n    top: calc(100% + 10px) !important;\n    right: 0 !important;\n    width: min(420px, calc(100vw - 40px)) !important;\n    padding: 18px !important;\n    border: 1px solid #dbe6e0 !important;\n    border-radius: 14px !important;\n    background: #ffffff !important;\n    color: #2f3d37 !important;\n    box-shadow: 0 14px 34px rgba(23, 63, 46, 0.16) !important;\n  }\n\n  .loaning-ai-summary__title {\n    margin: 0 0 10px !important;\n    color: #173f2e !important;\n    font-size: 14px !important;\n    font-weight: 750 !important;\n    line-height: 21px !important;\n  }\n\n  .loaning-ai-summary__panel ul {\n    margin: 0 !important;\n    padding-left: 19px !important;\n  }\n\n  .loaning-ai-summary__panel li {\n    margin: 0 0 7px !important;\n    color: #43524b !important;\n    font-size: 14px !important;\n    font-weight: 400 !important;\n    line-height: 22px !important;\n  }\n\n  .loaning-ai-summary__panel li:last-child {\n    margin-bottom: 0 !important;\n  }\n\n  .loaning-share-button {\n    display: inline-flex !important;\n    align-items: center !important;\n    justify-content: center !important;\n    width: 44px !important;\n    height: 44px !important;\n    flex: 0 0 44px !important;\n    margin: 0 !important;\n    padding: 0 !important;\n    border: 1px solid #d5e2db !important;\n    border-radius: 50% !important;\n    background: #ffffff !important;\n    color: #173f2e !important;\n    cursor: pointer !important;\n    box-shadow: 0 2px 8px rgba(31, 78, 59, 0.07) !important;\n    transition: border-color 0.2s ease, color 0.2s ease, transform 0.2s ease, box-shadow 0.2s ease !important;\n  }\n\n  .loaning-share-button:hover {\n    border-color: #a9cdbb !important;\n    color: #15966b !important;\n    transform: translateY(-1px) !important;\n    box-shadow: 0 4px 12px rgba(31, 78, 59, 0.1) !important;\n  }\n\n  .loaning-share-button svg {\n    width: 19px !important;\n    height: 19px !important;\n  }\n\n  .loaning-visually-hidden {\n    position: absolute !important;\n    width: 1px !important;\n    height: 1px !important;\n    padding: 0 !important;\n    margin: -1px !important;\n    overflow: hidden !important;\n    clip: rect(0, 0, 0, 0) !important;\n    white-space: nowrap !important;\n    border: 0 !important;\n  }\n\n  .loaning-side-tools,\n  .loaning-side-tools * {\n    box-sizing: border-box !important;\n  }\n\n  .loaning-side-tools {\n    position: fixed !important;\n    z-index: 9998 !important;\n    top: auto !important;\n    right: 18px !important;\n    bottom: 24px !important;\n    display: flex !important;\n    flex-direction: column !important;\n    align-items: stretch !important;\n    gap: 8px !important;\n    width: 132px !important;\n    transform: none !important;\n    pointer-events: none !important;\n  }\n\n  .loaning-side-tools__item {\n    display: flex !important;\n    align-items: center !important;\n    justify-content: flex-start !important;\n    gap: 9px !important;\n    width: 100% !important;\n    min-height: 44px !important;\n    margin: 0 !important;\n    padding: 9px 12px !important;\n    border: 1px solid #dbe4df !important;\n    border-radius: 999px !important;\n    background: rgba(255, 255, 255, 0.96) !important;\n    color: #29483b !important;\n    font-size: 13px !important;\n    font-weight: 650 !important;\n    line-height: 20px !important;\n    text-align: left !important;\n    text-decoration: none !important;\n    white-space: nowrap !important;\n    cursor: pointer !important;\n    box-shadow: 0 3px 12px rgba(23, 63, 46, 0.09) !important;\n    pointer-events: auto !important;\n    transition: border-color 0.2s ease, color 0.2s ease, transform 0.2s ease, box-shadow 0.2s ease !important;\n    -webkit-appearance: none !important;\n    appearance: none !important;\n  }\n\n  .loaning-side-tools__item:hover {\n    border-color: #a9cdbb !important;\n    color: #15966b !important;\n    transform: translateX(-2px) !important;\n    box-shadow: 0 5px 16px rgba(23, 63, 46, 0.13) !important;\n  }\n\n  .loaning-side-tools__item:focus-visible {\n    outline: 3px solid rgba(73, 204, 127, 0.3) !important;\n    outline-offset: 3px !important;\n  }\n\n  .loaning-side-tools__item svg {\n    display: block !important;\n    width: 20px !important;\n    height: 20px !important;\n    flex: 0 0 20px !important;\n  }\n\n  .loaning-side-tools__item[hidden] {\n    display: none !important;\n  }\n\n  .loaning-side-tools__item--top {\n    justify-content: center !important;\n  }\n\n  .loaning-intro {\n    margin: 0 0 20px !important;\n  }\n\n  .loaning-intro p {\n    margin-bottom: 16px !important;\n    font-size: 16px !important;\n    font-weight: 400 !important;\n    line-height: 1.75 !important;\n  }\n\n  .loaning-key-takeaways {\n    margin: 16px 0 24px !important;\n    padding: 18px 22px !important;\n    border: 0 !important;\n    border-radius: 16px !important;\n    background: #f8f9fa !important;\n    color: #333333 !important;\n  }\n\n  .loaning-key-takeaways__title {\n    margin: 0 0 8px !important;\n    color: #333333 !important;\n    font-size: 15px !important;\n    font-weight: 700 !important;\n    line-height: 1.67 !important;\n  }\n\n  .loaning-key-takeaways ul {\n    margin: 0 !important;\n    padding-left: 20px !important;\n  }\n\n  .loaning-key-takeaways li {\n    margin: 0 0 6px !important;\n    color: #333333 !important;\n    font-size: 15px !important;\n    line-height: 1.67 !important;\n  }\n\n  .loaning-key-takeaways li:last-child {\n    margin-bottom: 0 !important;\n  }\n\n  .loaning-toc {\n    margin: 24px 0 16px !important;\n    padding: 0 !important;\n    border: 0 !important;\n    background: transparent !important;\n  }\n\n  .loaning-toc__title {\n    margin: 0 0 10px !important;\n    color: var(--loaning-muted) !important;\n    font-size: 12px !important;\n    font-weight: 700 !important;\n    line-height: 1.5 !important;\n  }\n\n  .loaning-toc__links {\n    display: flex !important;\n    flex-wrap: wrap !important;\n    gap: 8px !important;\n  }\n\n  .loaning-toc__links a {\n    display: inline-flex !important;\n    align-items: center !important;\n    min-height: 36px !important;\n    padding: 8px 12px !important;\n    border: 1px solid var(--loaning-line) !important;\n    border-radius: 999px !important;\n    background: #f8faf9 !important;\n    color: #355248 !important;\n    font-size: 13px !important;\n    font-weight: 650 !important;\n    line-height: 18px !important;\n    text-decoration: none !important;\n  }\n\n  .loaning-toc__links a:hover {\n    border-color: #bcd9ca !important;\n    background: #eef8f4 !important;\n    color: #15583f !important;\n  }\n\n  .loaning-table-wrap {\n    width: 100% !important;\n    margin: 18px 0 0 !important;\n    overflow-x: hidden !important;\n    border: 1px solid #dfe7e3 !important;\n    border-radius: 14px !important;\n    background: #ffffff !important;\n  }\n\n  .loaning-table-wrap table {\n    width: 100% !important;\n    min-width: 0 !important;\n    margin: 0 !important;\n    table-layout: fixed !important;\n    border-collapse: collapse !important;\n    background: #ffffff !important;\n  }\n\n  .loaning-table-wrap th,\n  .loaning-table-wrap td {\n    padding: 12px 10px !important;\n    border: 0 !important;\n    border-right: 1px solid #e8eeeb !important;\n    border-bottom: 1px solid #e8eeeb !important;\n    color: #35423c !important;\n    font-size: 13px !important;\n    line-height: 20px !important;\n    text-align: left !important;\n    vertical-align: middle !important;\n    white-space: normal !important;\n    overflow-wrap: anywhere !important;\n  }\n\n  .loaning-table-wrap th {\n    background: #f3f7f5 !important;\n    color: #24463a !important;\n    font-weight: 750 !important;\n  }\n\n  .loaning-table-wrap th:last-child,\n  .loaning-table-wrap td:last-child {\n    border-right: 0 !important;\n  }\n\n  .loaning-table-wrap tr:last-child td {\n    border-bottom: 0 !important;\n  }\n\n  .loaning-table-wrap tbody tr:nth-child(even) td {\n    background: #fbfcfc !important;\n  }\n\n  .loaning-table-wrap a {\n    color: #0b7452 !important;\n    font-size: 13px !important;\n    font-weight: 650 !important;\n  }\n\n  .loaning-geo-article > .loaning-table-footnote {\n    margin: 6px 2px 24px !important;\n    color: var(--loaning-muted) !important;\n    font-size: 11px !important;\n    font-weight: 400 !important;\n    line-height: 17px !important;\n  }\n\n  .loaning-important-note {\n    margin: 18px 0 28px !important;\n    padding: 20px 24px !important;\n    border: 1px solid #ffdada !important;\n    border-radius: 16px !important;\n    background: #fff4f4 !important;\n    color: #333333 !important;\n  }\n\n  .loaning-important-note__title {\n    margin: 0 0 10px !important;\n    color: #d32f2f !important;\n    font-size: 15px !important;\n    font-weight: 800 !important;\n    line-height: 1.55 !important;\n  }\n\n  .loaning-important-note p {\n    margin: 0 0 10px !important;\n    color: #333333 !important;\n    font-size: 15px !important;\n    line-height: 1.67 !important;\n  }\n\n  .loaning-important-note p:last-child {\n    margin-bottom: 0 !important;\n  }\n\n  .loaning-checklist {\n    display: flex !important;\n    flex-direction: column !important;\n    gap: 10px !important;\n    width: 100% !important;\n    margin: 20px 0 28px !important;\n    padding: 0 !important;\n  }\n\n  .loaning-checklist-card {\n    display: flex !important;\n    align-items: flex-start !important;\n    gap: 10px !important;\n    width: 100% !important;\n    margin: 0 !important;\n    padding: 14px 16px !important;\n    border: 1px solid #e1e5e9 !important;\n    border-radius: 11px !important;\n    background: #ffffff !important;\n    box-shadow: 0 2px 6px rgba(17, 24, 39, 0.04), 0 7px 16px rgba(17, 24, 39, 0.05) !important;\n    cursor: pointer !important;\n    transition: border-color 0.2s ease, box-shadow 0.2s ease, transform 0.2s ease !important;\n  }\n\n  .loaning-checklist-card:hover {\n    border-color: #cbd3dc !important;\n    box-shadow: 0 3px 7px rgba(17, 24, 39, 0.05), 0 9px 18px rgba(17, 24, 39, 0.06) !important;\n    transform: translateY(-1px) !important;\n  }\n\n  .loaning-checklist-card input[type=\"checkbox\"] {\n    position: absolute !important;\n    width: 1px !important;\n    height: 1px !important;\n    margin: -1px !important;\n    padding: 0 !important;\n    overflow: hidden !important;\n    clip: rect(0 0 0 0) !important;\n    clip-path: inset(50%) !important;\n    border: 0 !important;\n    opacity: 0 !important;\n    white-space: nowrap !important;\n  }\n\n  .loaning-checklist-card__control {\n    position: relative !important;\n    display: block !important;\n    width: 18px !important;\n    min-width: 18px !important;\n    max-width: 18px !important;\n    height: 18px !important;\n    min-height: 18px !important;\n    max-height: 18px !important;\n    flex: 0 0 18px !important;\n    margin: 1px 0 0 !important;\n    padding: 0 !important;\n    border: 1.5px solid #aeb6c2 !important;\n    border-radius: 999px !important;\n    background: #ffffff !important;\n    box-shadow: none !important;\n  }\n\n  .loaning-checklist-card input[type=\"checkbox\"]:checked + .loaning-checklist-card__control {\n    border-color: #2ecc71 !important;\n    background: #2ecc71 !important;\n  }\n\n  .loaning-checklist-card input[type=\"checkbox\"]:checked + .loaning-checklist-card__control::after {\n    position: absolute !important;\n    top: 50% !important;\n    left: 50% !important;\n    color: #ffffff !important;\n    content: \"\u2713\" !important;\n    font-size: 11px !important;\n    font-weight: 800 !important;\n    line-height: 1 !important;\n    transform: translate(-50%, -52%) !important;\n  }\n\n  .loaning-checklist-card input[type=\"checkbox\"]:focus-visible + .loaning-checklist-card__control {\n    outline: 3px solid rgba(46, 204, 113, 0.25) !important;\n    outline-offset: 3px !important;\n  }\n\n  .loaning-checklist-card__text {\n    color: #4b5563 !important;\n    font-size: 14px !important;\n    font-weight: 400 !important;\n    line-height: 22px !important;\n    letter-spacing: -0.01em !important;\n  }\n\n  .loaning-qa-card {\n    margin: 20px 0 28px !important;\n    padding: 2px 0 2px 14px !important;\n    border: 0 !important;\n    border-left: 2px solid #dce5e0 !important;\n    border-radius: 0 !important;\n    background: transparent !important;\n    color: #5b6962 !important;\n  }\n\n  .loaning-qa-card__question,\n  .loaning-faq-card__question {\n    display: flex !important;\n    align-items: flex-start !important;\n    gap: 6px !important;\n    margin: 0 0 10px !important;\n    color: #26332d !important;\n    font-size: 14px !important;\n    font-weight: 400 !important;\n    line-height: 23px !important;\n  }\n\n  .loaning-qa-card__answer,\n  .loaning-faq-card__answer {\n    display: flex !important;\n    align-items: flex-start !important;\n    gap: 6px !important;\n    margin: 0 !important;\n    color: #333333 !important;\n    font-size: 14px !important;\n    font-weight: 400 !important;\n    line-height: 23px !important;\n  }\n\n  .loaning-geo-article .loaning-qa-card .loaning-qa-card__question {\n    margin: 0 0 5px !important;\n    color: #53635c !important;\n    font-size: 14px !important;\n    font-weight: 400 !important;\n    line-height: 23px !important;\n  }\n\n  .loaning-geo-article .loaning-qa-card .loaning-qa-card__answer {\n    color: #637068 !important;\n    font-size: 14px !important;\n    line-height: 23px !important;\n  }\n\n  .loaning-geo-article .loaning-qa-card .loaning-qa-label {\n    min-width: 17px !important;\n    color: #839089 !important;\n    font-size: 13px !important;\n    font-weight: 700 !important;\n    line-height: 23px !important;\n  }\n\n  .loaning-geo-article .loaning-qa-card .loaning-qa-label--q {\n    color: #71848d !important;\n  }\n\n  .loaning-geo-article .loaning-qa-card .loaning-qa-label--a {\n    color: #7a9186 !important;\n  }\n\n  .loaning-qa-label {\n    display: inline-block !important;\n    flex: 0 0 auto !important;\n    min-width: 20px !important;\n    font-size: 13px !important;\n    font-weight: 800 !important;\n    line-height: 1.65 !important;\n  }\n\n  .loaning-qa-label--q {\n    color: #0073cf !important;\n  }\n\n  .loaning-qa-label--a {\n    color: #10b981 !important;\n  }\n\n  .loaning-qa-question-text {\n    font-weight: 400 !important;\n  }\n\n  .loaning-faq-list {\n    display: grid !important;\n    gap: 12px !important;\n    margin: 22px 0 0 !important;\n  }\n\n  .loaning-faq-card {\n    padding: 18px 20px !important;\n    border: 0 !important;\n    border-radius: 16px !important;\n    background: #f8f9fa !important;\n  }\n\n  .loaning-faq-card__answer {\n    padding-top: 10px !important;\n    border-top: 1px solid #e4e9e6 !important;\n  }\n\n  .loaning-faq-card__answer-text {\n    min-width: 0 !important;\n    color: #333333 !important;\n    font-size: 14px !important;\n    line-height: 23px !important;\n  }\n\n  .loaning-faq-card__answer-text p {\n    margin: 0 !important;\n    color: #333333 !important;\n    font-size: 14px !important;\n    line-height: 23px !important;\n  }\n\n  .loaning-floating-cta {\n    position: fixed !important;\n    z-index: 9999 !important;\n    left: 50% !important;\n    bottom: 16px !important;\n    width: min(calc(100vw - 32px), 680px) !important;\n    transform: translateX(-50%) !important;\n    pointer-events: none !important;\n  }\n\n  .loaning-floating-cta__link {\n    display: flex !important;\n    align-items: center !important;\n    justify-content: center !important;\n    width: 100% !important;\n    min-height: 52px !important;\n    padding: 12px 24px !important;\n    border-radius: 999px !important;\n    background: #49cc7f !important;\n    color: #ffffff !important;\n    -webkit-text-fill-color: #ffffff !important;\n    font-size: 15px !important;\n    font-weight: 700 !important;\n    line-height: 1.3 !important;\n    text-align: center !important;\n    text-decoration: none !important;\n    text-shadow: 0 0 8px rgba(255, 255, 255, 0.34) !important;\n    box-shadow: 0 5px 16px rgba(23, 33, 29, 0.12) !important;\n    pointer-events: auto !important;\n  }\n\n  .loaning-floating-cta__link:hover {\n    background: #3fc275 !important;\n    transform: translateY(-1px) !important;\n  }\n\n  .loaning-floating-cta__link:focus-visible {\n    outline: 3px solid rgba(23, 33, 29, 0.28) !important;\n    outline-offset: 3px !important;\n  }\n\n  @media screen and (max-width: 680px) {\n    .loaning-geo-article {\n      padding: 0 12px 124px !important;\n      word-break: normal !important;\n    }\n\n    .loaning-article-tools {\n      align-items: stretch !important;\n      flex-direction: column !important;\n      gap: 14px !important;\n      padding: 2px 0 16px !important;\n    }\n\n    .loaning-article-tools__keywords {\n      gap: 5px 11px !important;\n    }\n\n    .loaning-article-tools__keywords a {\n      font-size: 12px !important;\n      line-height: 19px !important;\n    }\n\n    .loaning-article-tools__actions {\n      width: 100% !important;\n    }\n\n    .loaning-ai-summary {\n      flex: 1 1 auto !important;\n      min-width: 0 !important;\n    }\n\n    .loaning-ai-summary > summary {\n      width: 100% !important;\n    }\n\n    .loaning-ai-summary__panel {\n      right: auto !important;\n      left: 0 !important;\n      width: min(420px, calc(100vw - 48px)) !important;\n      padding: 16px !important;\n    }\n\n    .loaning-geo-article > h2 {\n      margin-top: 0 !important;\n      font-size: 24px !important;\n    }\n\n    .loaning-geo-article h3 {\n      margin-top: 28px !important;\n      padding-left: 12px !important;\n      border-left-width: 3px !important;\n      font-size: 18px !important;\n    }\n\n    .loaning-key-takeaways,\n    .loaning-faq-card,\n    .loaning-important-note {\n      padding: 16px !important;\n      border-radius: 13px !important;\n    }\n\n    .loaning-qa-card {\n      padding: 2px 0 2px 12px !important;\n      border-radius: 0 !important;\n    }\n\n    .loaning-table-wrap {\n      overflow-x: auto !important;\n      -webkit-overflow-scrolling: touch !important;\n    }\n\n    .loaning-table-wrap table {\n      min-width: 620px !important;\n    }\n\n    .loaning-checklist-card {\n      gap: 8px !important;\n      padding: 13px 12px !important;\n      border-radius: 9px !important;\n    }\n\n    .loaning-checklist-card__text {\n      font-size: 14px !important;\n      line-height: 22px !important;\n    }\n\n    .loaning-floating-cta {\n      bottom: 10px !important;\n      width: calc(100vw - 24px) !important;\n    }\n\n    .loaning-floating-cta__link {\n      min-height: 50px !important;\n      padding: 11px 18px !important;\n      font-size: 14px !important;\n    }\n  }\n\n  @media screen and (max-width: 1180px) {\n    .loaning-side-tools {\n      right: 12px !important;\n      bottom: 76px !important;\n      width: 44px !important;\n    }\n\n    .loaning-side-tools__item {\n      justify-content: center !important;\n      width: 44px !important;\n      min-height: 44px !important;\n      padding: 0 !important;\n    }\n\n    .loaning-side-tools__item span {\n      display: none !important;\n    }\n  }\n\n  @media screen and (max-width: 680px) {\n    .loaning-side-tools {\n      top: auto !important;\n      right: 12px !important;\n      bottom: 72px !important;\n      flex-direction: row !important;\n      justify-content: flex-end !important;\n      width: auto !important;\n      transform: none !important;\n    }\n\n    .loaning-side-tools__item:hover {\n      transform: translateY(-1px) !important;\n    }\n  }\n\n  @media print {\n    .loaning-geo-article {\n      max-width: 100% !important;\n      padding-bottom: 0 !important;\n    }\n\n    .loaning-floating-cta {\n      display: none !important;\n    }\n\n    .loaning-side-tools,\n    .loaning-article-tools__actions {\n      display: none !important;\n    }\n\n    .loaning-table-wrap {\n      overflow: visible !important;\n    }\n\n    .loaning-table-wrap table {\n      min-width: 0 !important;\n    }\n\n    .loaning-rate-box,\n    .loaning-key-takeaways,\n    .loaning-faq-card,\n    .loaning-important-note {\n      break-inside: avoid !important;\n    }\n  }\n<\/style>\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\n\n<\/style>\n\n<article id=\"loaning-article-top\" class=\"loaning-geo-article\" lang=\"ko\" tabindex=\"-1\">\n<section class=\"loaning-article-tools\" aria-label=\"\uad00\ub828 \ud0a4\uc6cc\ub4dc\uc640 \uae00 \ub3c4\uad6c\">\n    <div class=\"loaning-article-tools__keywords\"><span class=\"loaning-article-tools__label\">\uad00\ub828 \ud0a4\uc6cc\ub4dc<\/span><a href=\"#guide-section-1\">#\ubbf8\uad6d Non-QM \ubaa8\uae30\uc9c0\ub780 \ubb34\uc5c7\uc778\uac00<\/a><a href=\"#guide-section-2\">#Non-QM \ub300\ucd9c \uc2e0\uccad \uc790\uaca9 \uc694\uac74<\/a><\/div>\n\n    <div class=\"loaning-article-tools__actions\">\n      <details class=\"loaning-ai-summary\">\n        <summary aria-label=\"AI \ud575\uc2ec \uc694\uc57d \uc5f4\uae30\">\n          <svg class=\"loaning-ai-summary__icon\" viewBox=\"0 0 24 24\" aria-hidden=\"true\">\n            <path d=\"M7.5 4.5h9a4 4 0 0 1 4 4v5a4 4 0 0 1-4 4h-4.2l-3.8 2.7v-2.7h-1a4 4 0 0 1-4-4v-5a4 4 0 0 1 4-4Z\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.8\" stroke-linejoin=\"round\"><\/path>\n            <path d=\"M9 9.3v.1M15 9.3v.1M9.2 13c1.7 1.2 3.9 1.2 5.6 0\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.8\" stroke-linecap=\"round\"><\/path>\n          <\/svg>\n          <span>AI \uc694\uc57d<\/span>\n          <svg class=\"loaning-ai-summary__chevron\" viewBox=\"0 0 16 16\" aria-hidden=\"true\">\n            <path d=\"m4 6 4 4 4-4\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.8\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path>\n          <\/svg>\n        <\/summary>\n        <div class=\"loaning-ai-summary__panel\" role=\"region\" aria-label=\"AI \ud575\uc2ec \uc694\uc57d\">\n          <p class=\"loaning-ai-summary__title\">\uc774 \uae00\uc758 \ud575\uc2ec\ub9cc \ube60\ub974\uac8c \ubcf4\uae30<\/p><ul><li><strong>\ub73b:<\/strong> Non-QM\uc740 Qualified Mortgage \uae30\uc900\uc5d0 \ud574\ub2f9\ud558\uc9c0 \uc54a\ub294 \ubaa8\uae30\uc9c0\ub97c \ub9d0\ud574\uc694.<\/li><li><strong>\uc99d\ube59:<\/strong> \uc740\ud589 \uac70\ub798\ub0b4\uc5ed\uc774\ub098 \uc790\uc0b0 \ub4f1\uc73c\ub85c \uc18c\ub4dd\u00b7\uc0c1\ud658 \ub2a5\ub825\uc744 \uc0b4\ud53c\ub294 \uc0c1\ud488\uc774 \uc788\uc5b4\uc694.<\/li><li><strong>\uc120\ud0dd \uae30\uc900:<\/strong> \uc778\uc815 \uc18c\ub4dd\ubfd0 \uc544\ub2c8\ub77c \uae08\ub9ac\u00b7\uc218\uc218\ub8cc\u00b7\uc6d4 \ub0a9\uc785\uc561\u00b7\uc0c1\ud658 \uc870\uac74\uae4c\uc9c0 \ube44\uad50\ud558\uc138\uc694.<\/li><\/ul>\n        <\/div>\n      <\/details>\n\n      <button type=\"button\" class=\"loaning-share-button\" aria-label=\"\uc774 \uae00 \uacf5\uc720\ud558\uae30\" title=\"\uacf5\uc720\ud558\uae30\">\n        <svg viewBox=\"0 0 24 24\" aria-hidden=\"true\">\n          <circle cx=\"18\" cy=\"5\" r=\"2.5\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.8\"><\/circle>\n          <circle cx=\"6\" cy=\"12\" r=\"2.5\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.8\"><\/circle>\n          <circle cx=\"18\" cy=\"19\" r=\"2.5\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.8\"><\/circle>\n          <path d=\"m8.2 10.8 7.6-4.5M8.2 13.2l7.6 4.5\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.8\" stroke-linecap=\"round\"><\/path>\n        <\/svg>\n      <\/button>\n      <span class=\"loaning-share-status loaning-visually-hidden\" role=\"status\" aria-live=\"polite\"><\/span>\n    <\/div>\n  <\/section><div class=\"loaning-intro\"><p>\ub3c8\uc740 \ubc8c\uace0 \uc788\ub294\ub370, \ub300\ucd9c \uc2e0\uccad\uc11c\uc758 \uc18c\ub4dd \uce78 \uc55e\uc5d0\uc11c \ub9c9\ud799\ub2c8\ub2e4. \uc6d4\uae09\ucc98\ub7fc \ub9e4\ub2ec \uac19\uc740 \uae08\uc561\uc774 \ub4e4\uc5b4\uc624\uc9c0 \uc54a\uac70\ub098, \uc0ac\uc5c5 \ube44\uc6a9\uc744 \ube7c\uace0 \uc2e0\uace0\ud55c \uc18c\ub4dd\uc774 \uc2e4\uc81c \ud604\uae08\ud750\ub984\uacfc \ub2e4\ub974\uac8c \ub290\uaef4\uc9c8 \ub54c\uc8e0. \uc774\ub7f4 \ub54c \u201cNon-QM\ub3c4 \uc54c\uc544\ubcf4\uc138\uc694\u201d\ub77c\ub294 \ub9d0\uc744 \ub4e3\uac8c \ub429\ub2c8\ub2e4.<\/p><p>\ucc98\uc74c \ub4e4\uc73c\uba74 \uc2ec\uc0ac\ub97c \ub290\uc2a8\ud558\uac8c \ud558\ub294 \ub300\ucd9c\ucc98\ub7fc \ubcf4\uc77c \uc218 \uc788\uc5b4\uc694. \ud558\uc9c0\ub9cc Non-QM\uc744 \uc774\ud574\ud558\ub294 \ub370 \ub354 \ub3c4\uc6c0\uc774 \ub418\ub294 \uc9c8\ubb38\uc740 \ub530\ub85c \uc788\uc2b5\ub2c8\ub2e4. <strong>\u201c\ub0b4 \uc18c\ub4dd\uc744 \uc5b4\ub5a4 \uc790\ub8cc\ub85c \uc124\uba85\ud560 \uc218 \uc788\uc744\uae4c?\u201d<\/strong> \ubbf8\uad6d Non-QM \ubaa8\uae30\uc9c0\ub780 \ubb34\uc5c7\uc778\uac00\ubd80\ud130, \uc5b4\ub5a4 \ubc29\uc2dd\uacfc \ube44\uc6a9\uc744 \ube44\uad50\ud574\uc57c \ud558\ub294\uc9c0 \uc0b4\ud3b4\ubcfc\uac8c\uc694.<\/p><\/div><div class=\"loaning-key-takeaways\" aria-label=\"\ud575\uc2ec \uc694\uc57d\"><p class=\"loaning-key-takeaways__title\">\ud83d\udcdd <strong>Key Takeaways<\/strong><\/p><ul><li><strong>\ub73b:<\/strong> Non-QM\uc740 Qualified Mortgage \uae30\uc900\uc5d0 \ud574\ub2f9\ud558\uc9c0 \uc54a\ub294 \ubaa8\uae30\uc9c0\ub97c \ub9d0\ud574\uc694.<\/li><li><strong>\uc99d\ube59:<\/strong> \uc740\ud589 \uac70\ub798\ub0b4\uc5ed\uc774\ub098 \uc790\uc0b0 \ub4f1\uc73c\ub85c \uc18c\ub4dd\u00b7\uc0c1\ud658 \ub2a5\ub825\uc744 \uc0b4\ud53c\ub294 \uc0c1\ud488\uc774 \uc788\uc5b4\uc694.<\/li><li><strong>\uc120\ud0dd \uae30\uc900:<\/strong> \uc778\uc815 \uc18c\ub4dd\ubfd0 \uc544\ub2c8\ub77c \uae08\ub9ac\u00b7\uc218\uc218\ub8cc\u00b7\uc6d4 \ub0a9\uc785\uc561\u00b7\uc0c1\ud658 \uc870\uac74\uae4c\uc9c0 \ube44\uad50\ud558\uc138\uc694.<\/li><\/ul><\/div><nav class=\"loaning-toc\" aria-label=\"\ubaa9\ucc28\"><p class=\"loaning-toc__title\">\uc774 \uae00\uc5d0\uc11c \ud655\uc778\ud560 \ub0b4\uc6a9<\/p><div class=\"loaning-toc__links\"><a href=\"#guide-section-1\">QM\uacfc Non-QM, \uc774\ub984\ubd80\ud130 \ud480\uc5b4\ubcfc\uac8c\uc694<\/a><a href=\"#guide-section-2\">\ub0b4 \uc18c\ub4dd\uc774 \uc798 \ubcf4\uc774\ub294 \uc11c\ub958\ub294 \ubb34\uc5c7\uc778\uac00\uc694?<\/a><a href=\"#guide-section-3\">Non-QM \ub300\ucd9c \uc2e0\uccad \uc790\uaca9 \uc694\uac74\uc740 \uc5b4\ub5bb\uac8c \uc900\ube44\ud558\ub098\uc694?<\/a><a href=\"#guide-section-4\">\uc778\uc815 \uc18c\ub4dd\uc774 \ub298\uc5b4\ub3c4 \ub300\ucd9c\uc774 \ub354 \uc2f8\uc9c0\ub294 \uac74 \uc544\ub2c8\uc5d0\uc694<\/a><a href=\"#guide-section-5\">\uc77c\ubc18 \ub300\ucd9c\uacfc \ud568\uaed8 \ube44\uad50\ud558\uba74 \uc120\ud0dd\uc774 \ub354 \uc26c\uc6cc\uc838\uc694<\/a><a href=\"#guide-section-6\">\u2753 Non-QM, \uc790\uc8fc \ubb3b\ub294 \uc9c8\ubb38<\/a><\/div><\/nav><br><br><h2 id=\"guide-section-1\">QM\uacfc Non-QM, \uc774\ub984\ubd80\ud130 \ud480\uc5b4\ubcfc\uac8c\uc694<\/h2><p>QM\uc740 Qualified Mortgage\uc758 \uc904\uc784\ub9d0\uc774\uc5d0\uc694. <a href=\"https:\/\/www.consumerfinance.gov\/ask-cfpb\/what-is-a-qualified-mortgage-en-1789\/\" target=\"_blank\" rel=\"noopener noreferrer\">\ubbf8\uad6d \uc18c\ube44\uc790\uae08\uc735\ubcf4\ud638\uad6d(CFPB)\uc758 \uc124\uba85<\/a>\uc5d0 \ub530\ub974\uba74 QM\uc740 \uc77c\uc815\ud55c \ub300\ucd9c \uc694\uac74\uacfc \uc18c\ube44\uc790 \ubcf4\ud638 \uae30\uc900\uc744 \ucda9\uc871\ud558\ub294 \ubaa8\uae30\uc9c0\uc785\ub2c8\ub2e4. Non-QM\uc740 \uc774 \uae30\uc900\uc5d0 \ud574\ub2f9\ud558\uc9c0 \uc54a\ub294 \ubaa8\uae30\uc9c0\ub97c \ub73b\ud558\uc8e0.<\/p><p>\uc5ec\uae30\uc11c \u201cNon\u201d\uc774\ub77c\ub294 \ub9d0\ub9cc \ubcf4\uace0 \uc18c\ub4dd\ub3c4 \uc2e0\uc6a9\ub3c4 \ubcf4\uc9c0 \uc54a\ub294 \ub300\ucd9c\ub85c \ubc1b\uc544\ub4e4\uc774\uba74 \uace4\ub780\ud574\uc694. \uc2e4\uc81c\ub85c\ub294 \ub0b4 \uc18c\ub4dd\uacfc \uc790\uc0b0\uc744 \uc5b4\ub5a4 \uc790\ub8cc\ub85c \ud3c9\uac00\ud558\ub294\uc9c0, \uadf8 \ubc29\uc2dd\uc5d0 \ub9de\ucdb0 \uc5b4\ub5a4 \uc870\uac74\uc774 \ubd99\ub294\uc9c0\ub97c \ubd10\uc57c \ud569\ub2c8\ub2e4.<\/p><h3>\uc810\ubcf4 \ub300\ucd9c\uacfc\ub3c4 \uac19\uc740 \ub9d0\uc740 \uc544\ub2c8\uc5d0\uc694<\/h3><p>\uc810\ubcf4\ub294 \ub300\ucd9c \uaddc\ubaa8\uc640 \uad00\ub828\ub41c \uad6c\ubd84\uc774\uace0, QM\uc740 \ub300\ucd9c\uc758 \uae30\uc900\uc5d0 \uad00\ud55c \uad6c\ubd84\uc774\uc5d0\uc694. \ub300\ucd9c\uc561\uc774 \ud06c\ub2e4\ub294 \uc774\uc720\ub9cc\uc73c\ub85c \ubaa8\ub450 Non-QM\uc774 \ub418\ub294 \uac83\uc740 \uc544\ub2d9\ub2c8\ub2e4. \uc774\ub984\uc774 \ube44\uc2b7\ud558\uac8c \ub4f1\uc7a5\ud574\ub3c4 \uad6c\ubd84\ud558\ub294 \uae30\uc900\uc744 \ub530\ub85c \uae30\uc5b5\ud574 \ub450\uc138\uc694.<\/p><br><br><h2 id=\"guide-section-2\">\ub0b4 \uc18c\ub4dd\uc774 \uc798 \ubcf4\uc774\ub294 \uc11c\ub958\ub294 \ubb34\uc5c7\uc778\uac00\uc694?<\/h2><div class=\"loaning-table-wrap\"><table><thead><tr><th scope=\"col\">\ub0b4 \uc0c1\ud669<\/th><th scope=\"col\">\uc0b4\ud3b4\ubcfc \uc99d\ube59 \ubc29\uc2dd<\/th><th scope=\"col\">\ud575\uc2ec \uc9c8\ubb38<\/th><\/tr><\/thead><tbody><tr><td>\uc0ac\uc5c5 \ub9e4\ucd9c\uc740 \uafb8\uc900\ud558\uc9c0\ub9cc \uae09\uc5ec\uac00 \uc77c\uc815\ud558\uc9c0 \uc54a\uc544\uc694.<\/td><td>Bank Statement<\/td><td>\ubc18\ubcf5 \uc785\uae08\uc5d0\uc11c \ube44\uc6a9 \ub4f1\uc744 \ubc18\uc601\ud55c \uc6d4 \uc18c\ub4dd\uc740 \uc5bc\ub9c8\uc778\uac00\uc694?<\/td><\/tr><tr><td>1099\ub85c \uc218\uc785\uc744 \ubc1b\uc544\uc694.<\/td><td>\uc138\uae08\ubcf4\uace0\uc11c \ub610\ub294 1099 \uae30\ubc18 \ubc29\uc2dd<\/td><td>\uc5b4\ub5a4 \uae30\uac04\uacfc \ube44\uc6a9 \ubc18\uc601 \ubc29\uc2dd\uc73c\ub85c \uacc4\uc0b0\ud558\ub098\uc694?<\/td><\/tr><tr><td>\uc815\uae30 \uadfc\ub85c\uc18c\ub4dd\ubcf4\ub2e4 \ubcf4\uc720 \uc790\uc0b0\uc774 \uc911\uc694\ud574\uc694.<\/td><td>\uc790\uc0b0 \uae30\ubc18 \ubc29\uc2dd<\/td><td>\uc5b4\ub5a4 \uc790\uc0b0\uc744 \uc5bc\ub9c8\uc758 \uc18c\ub4dd\uc73c\ub85c \ud658\uc0b0\ud558\ub098\uc694?<\/td><\/tr><tr><td>\uc784\ub300\uc6a9 \uc8fc\ud0dd\uc744 \ub9e4\uc218\ud558\ub824\uace0 \ud574\uc694.<\/td><td>DSCR \ub4f1 \ud22c\uc790\uc6a9 \ub300\ucd9c<\/td><td>\uc778\uc815 \uc784\ub300\ub8cc\uac00 \uc8fc\ud0dd \uad00\ub828 \uc9c0\ucd9c\uc744 \uc5bc\ub9c8\ub098 \uac10\ub2f9\ud558\ub098\uc694?<\/td><\/tr><\/tbody><\/table><\/div><p>\uc774 \ubc29\uc2dd\ub4e4\uc774 \ubaa8\ub4e0 \uae08\uc735\uae30\uad00\uc5d0\uc11c \uac19\uc740 \uc870\uac74\uc73c\ub85c \uc81c\uacf5\ub418\ub294 \uac83\uc740 \uc544\ub2c8\uc5d0\uc694. \uc608\ub97c \ub4e4\uc5b4 <a href=\"https:\/\/www.rocketmortgage.com\/home-loans\/non-qm-loan\" target=\"_blank\" rel=\"noopener noreferrer\">Rocket\uc758 Non-QM \uc548\ub0b4<\/a>\uc5d0\ub294 Bank Statement, 1099, \uc790\uc0b0 \uae30\ubc18 \ub4f1\uc758 \uc120\ud0dd\uc9c0\uac00 \uc18c\uac1c\ub3fc \uc788\uc5b4\uc694. \uc0c1\ub2f4\uc5d0\uc11c\ub294 \uc0c1\ud488 \uc774\ub984\ub9cc \ubb3b\uae30\ubcf4\ub2e4 \ub0b4 \uc790\ub8cc\ub85c \uacc4\uc0b0\ud55c \uc6d4 \uc18c\ub4dd\uc744 \ubc1b\uc544\ubcf4\uc138\uc694.<\/p><p>\uc2e4\uac70\uc8fc\uc6a9 \uc18c\ube44\uc790 \ub300\ucd9c\uacfc \uc0ac\uc5c5 \ubaa9\uc801\uc758 \ud22c\uc790\uc6a9 \ub300\ucd9c\uc740 \uc801\uc6a9\ub418\ub294 \uaddc\uc815\uacfc \ubcf4\ud638 \uc7a5\uce58\ub3c4 \ub2e4\ub97c \uc218 \uc788\uc5b4\uc694. \uc784\ub300\uc6a9 \uc0c1\ud488\uc758 \uc124\uba85\uc744 \ub0b4\uac00 \uc0b4 \uc9d1\uc5d0 \uadf8\ub300\ub85c \uac00\uc838\uc624\uc9c0 \uc54a\ub3c4\ub85d, \uc8fc\ud0dd \uc6a9\ub3c4\ub97c \ucc98\uc74c\ubd80\ud130 \ubd84\uba85\ud788 \uc804\ub2ec\ud558\uc138\uc694.<\/p><br><br><h2 id=\"guide-section-3\">Non-QM \ub300\ucd9c \uc2e0\uccad \uc790\uaca9 \uc694\uac74\uc740 \uc5b4\ub5bb\uac8c \uc900\ube44\ud558\ub098\uc694?<\/h2><p>\uc18c\ub4dd \uc99d\ube59 \ubc29\uc2dd\uc774 \ub2ec\ub77c\uc838\ub3c4 \ub3c8\uc758 \ucd9c\ucc98\uc640 \ud750\ub984\uc740 \ubcf4\uc5ec\uc918\uc57c \ud574\uc694. \uac70\ub798\ub0b4\uc5ed \ubc29\uc2dd\uc774\ub77c\uba74 \ub9e4\ucd9c\uacfc \uc774\uccb4\ub97c \uad6c\ubd84\ud558\uace0, \uc790\uc0b0 \ubc29\uc2dd\uc774\ub77c\uba74 \uc790\uc0b0\uc758 \uc885\ub958\uc640 \uc0ac\uc6a9 \uac00\ub2a5\uc131\uc744 \uc815\ub9ac\ud558\ub294 \uc2dd\uc774\uc8e0. \uc5ec\uae30\uc5d0 \uc2e0\uc6a9, \uae30\uc874 \ubd80\ucc44, \ub2e4\uc6b4\ud398\uc774\uba3c\ud2b8\uc640 \ubcf4\uc720\uc790\uae08\uc744 \ud568\uaed8 \uc900\ube44\ud569\ub2c8\ub2e4.<\/p><div class=\"loaning-checklist\" aria-label=\"\uc900\ube44 \uccb4\ud06c\ub9ac\uc2a4\ud2b8\"><label class=\"loaning-checklist-card\"><input type=\"checkbox\" name=\"guide-checklist\" value=\"item-1\"><span class=\"loaning-checklist-card__control\" aria-hidden=\"true\"><\/span><span class=\"loaning-checklist-card__text\">\uc2e4\uac70\uc8fc\uc778\uc9c0 \ud22c\uc790\uc6a9\uc778\uc9c0 \uc8fc\ud0dd \uc6a9\ub3c4\ub97c \uc815\ud588\uc5b4\uc694.<\/span><\/label><label class=\"loaning-checklist-card\"><input type=\"checkbox\" name=\"guide-checklist\" value=\"item-2\"><span class=\"loaning-checklist-card__control\" aria-hidden=\"true\"><\/span><span class=\"loaning-checklist-card__text\">\uc138\uae08\ubcf4\uace0\uc11c\u00b7\uac70\ub798\ub0b4\uc5ed\u00b7\uc790\uc0b0 \uc911 \uc0ac\uc6a9\ud560 \uc790\ub8cc\ub97c \uc815\ub9ac\ud588\uc5b4\uc694.<\/span><\/label><label class=\"loaning-checklist-card\"><input type=\"checkbox\" name=\"guide-checklist\" value=\"item-3\"><span class=\"loaning-checklist-card__control\" aria-hidden=\"true\"><\/span><span class=\"loaning-checklist-card__text\">\uc2e0\uc6a9\uacfc \ud604\uc7ac \uc6d4 \ubd80\ucc44\ub97c \ud655\uc778\ud588\uc5b4\uc694.<\/span><\/label><label class=\"loaning-checklist-card\"><input type=\"checkbox\" name=\"guide-checklist\" value=\"item-4\"><span class=\"loaning-checklist-card__control\" aria-hidden=\"true\"><\/span><span class=\"loaning-checklist-card__text\">\ub2e4\uc6b4\ud398\uc774\uba3c\ud2b8\u00b7\ud074\ub85c\uc9d5 \ube44\uc6a9\u00b7\ub9e4\uc218 \ud6c4 \ubcf4\uc720\uc790\uae08\uc744 \ub098\ub234\uc5b4\uc694.<\/span><\/label><label class=\"loaning-checklist-card\"><input type=\"checkbox\" name=\"guide-checklist\" value=\"item-5\"><span class=\"loaning-checklist-card__control\" aria-hidden=\"true\"><\/span><span class=\"loaning-checklist-card__text\">\ub450 \uac00\uc9c0 \uc774\uc0c1\uc758 \ub300\ucd9c \ubc29\uc2dd\uc73c\ub85c \ube44\uc6a9\uc744 \ube44\uad50\ud560 \uc900\ube44\ub97c \ud588\uc5b4\uc694.<\/span><\/label><\/div><br><br><h2 id=\"guide-section-4\">\uc778\uc815 \uc18c\ub4dd\uc774 \ub298\uc5b4\ub3c4 \ub300\ucd9c\uc774 \ub354 \uc2f8\uc9c0\ub294 \uac74 \uc544\ub2c8\uc5d0\uc694<\/h2><p>\ub2e4\ub978 \ubc29\uc2dd\uc73c\ub85c \uc18c\ub4dd\uc744 \uacc4\uc0b0\ud558\ub2c8 \ub300\ucd9c \uac00\ub2a5\uc131\uc774 \uc5f4\ub9b4 \uc218 \uc788\uc5b4\uc694. \ubc18\uac00\uc6b4 \uc77c\uc774\uc8e0. \ub2e4\ub9cc \uae08\ub9ac\ub098 \ud3ec\uc778\ud2b8, \ucd08\uae30 \ube44\uc6a9\uae4c\uc9c0 \ubcf4\uace0 \ub098\uc11c \uc120\ud0dd\ud574\uc57c \ud569\ub2c8\ub2e4. \uc18c\ub4dd\uc744 \ub354 \ub9ce\uc774 \uc778\uc815\ubc1b\ub294 \ub300\uac00\ub85c \uc5b4\ub5a4 \ube44\uc6a9\uc744 \ubd80\ub2f4\ud558\ub294\uc9c0 \uc54c\uc544\uc57c \ud558\ub2c8\uae4c\uc694.<\/p><div class=\"loaning-table-wrap\"><table><thead><tr><th scope=\"col\">\ube44\uad50 \ud56d\ubaa9<\/th><th scope=\"col\">\ub9de\ucdb0\ubcfc \uae30\uc900<\/th><\/tr><\/thead><tbody><tr><td>\uae08\ub9ac\u00b7APR<\/td><td>\uac19\uc740 \ub300\ucd9c\uc561\u00b7\uae30\uac04\u00b7\uae08\ub9ac \uace0\uc815 \uc870\uac74<\/td><\/tr><tr><td>\ucd08\uae30 \ube44\uc6a9<\/td><td>\ud3ec\uc778\ud2b8\u00b7\uc218\uc218\ub8cc\u00b7\ud074\ub85c\uc9d5 \ube44\uc6a9<\/td><\/tr><tr><td>\uc6d4 \ub0a9\uc785\uc561<\/td><td>\uc6d0\ub9ac\uae08\u00b7\uc138\uae08\u00b7\ubcf4\ud5d8\u00b7HOA \ub4f1<\/td><\/tr><tr><td>\ubbf8\ub9ac \uac1a\uac70\ub098 \uac08\uc544\ud0c8 \ub54c<\/td><td>\uc870\uae30\uc0c1\ud658 \ube44\uc6a9 \uc720\ubb34\uc640 \uc801\uc6a9 \uae30\uac04<\/td><\/tr><tr><td>\uae08\ub9ac \uad6c\uc870<\/td><td>\uace0\uc815\uc778\uc9c0 \ubcc0\ub3d9\uc778\uc9c0, \ubcc0\ub3d9 \uc2dc\uc810\uacfc \uc870\uac74<\/td><\/tr><\/tbody><\/table><\/div><div class=\"loaning-important-note\"><p class=\"loaning-important-note__title\">\u26a0\ufe0f \u201c\ub098\uc911\uc5d0 \uac08\uc544\ud0c0\uba74 \ub418\uc8e0\u201d\ub97c \ud604\uc7ac \uc608\uc0b0\uc758 \uc804\uc81c\ub85c \uc0bc\uc9c0 \ub9c8\uc138\uc694<\/p><p>\uc7ac\uc735\uc790 \uc2dc\uc810\uc758 \uae08\ub9ac, \uc9d1\uac12, \ub0b4 \uc18c\ub4dd\uc740 \uc9c0\uae08 \ud655\uc815\ud560 \uc218 \uc5c6\uc5b4\uc694. \ud604\uc7ac \uc870\uac74\uc744 \uc720\uc9c0\ud574\ub3c4 \uac10\ub2f9\ud560 \uc218 \uc788\ub294 \uc6d4 \ube44\uc6a9\uc778\uc9c0 \uba3c\uc800 \uacc4\uc0b0\ud558\uace0, \uc7ac\uc735\uc790\ub294 \uc774\ud6c4\uc5d0 \uc5f4\ub9b4 \uc218 \uc788\ub294 \uc120\ud0dd\uc9c0\ub85c \ub450\uc138\uc694.<\/p><\/div><br><br><h2 id=\"guide-section-5\">\uc77c\ubc18 \ub300\ucd9c\uacfc \ud568\uaed8 \ube44\uad50\ud558\uba74 \uc120\ud0dd\uc774 \ub354 \uc26c\uc6cc\uc838\uc694<\/h2><p>\uc0ac\uc5c5\uc790\ub77c\ub294 \uc774\uc720\ub9cc\uc73c\ub85c \ucc98\uc74c\ubd80\ud130 \uc138\uae08\ubcf4\uace0\uc11c \ubc29\uc2dd\uc758 \ub300\ucd9c\uc744 \uc81c\uc678\ud560 \ud544\uc694\ub294 \uc5c6\uc5b4\uc694. \uc2e0\uace0 \uc18c\ub4dd\uacfc \uc870\uc815 \ud56d\ubaa9\uc744 \ubc18\uc601\ud55c \uacc4\uc0b0\uc744 \uba3c\uc800 \ubc1b\uc544\ubcf4\uace0, \ub2e4\ub978 \ubc29\uc2dd\uc758 \uacb0\uacfc\ub97c \ub098\ub780\ud788 \ub193\uc544\ubcf4\uc138\uc694.<\/p><p>\uac01 \uacac\uc801 \uc606\uc5d0 \uc778\uc815 \uc6d4 \uc18c\ub4dd, \ucd08\uae30 \ud604\uae08, \uc6d4 \ube44\uc6a9\uc744 \uc138 \uc904\ub85c \uc801\uc5b4\ubcf4\uc138\uc694. \u201c\uc5b4\ub514\uc5d0\uc11c \ub354 \ub9ce\uc774 \ube4c\ub9b4 \uc218 \uc788\ub098\u201d\uc5d0 \ub354\ud574 \u201c\uc5b4\ub290 \uc870\uac74\uc744 \uc624\ub798 \uc720\uc9c0\ud560 \uc218 \uc788\ub098\u201d\uae4c\uc9c0 \ud310\ub2e8\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p><br><br><h2 id=\"guide-section-6\">\u2753 Non-QM, \uc790\uc8fc \ubb3b\ub294 \uc9c8\ubb38<\/h2><div class=\"loaning-faq-list\"><div class=\"loaning-faq-card\"><p class=\"loaning-faq-card__question\"><strong class=\"loaning-qa-label loaning-qa-label--q\">Q.<\/strong><span class=\"loaning-qa-question-text\">Non-QM\uc740 \uc18c\ub4dd \uc99d\ube59\uc774 \uc5c6\ub294 \ub300\ucd9c\uc778\uac00\uc694?<\/span><\/p><div class=\"loaning-faq-card__answer\"><strong class=\"loaning-qa-label loaning-qa-label--a\">A.<\/strong><div class=\"loaning-faq-card__answer-text\"><p>\uc99d\ube59\uc744 \uc5c6\uc560\ub294 \uac83\ubcf4\ub2e4 \uc790\ub8cc\ub97c \ub2e4\ub974\uac8c \uc4f0\ub294 \ubc29\uc2dd\uc73c\ub85c \uc774\ud574\ud558\uba74 \uc26c\uc6cc\uc694. \uc740\ud589 \uac70\ub798\ub0b4\uc5ed, \uc790\uc0b0 \uc790\ub8cc, \uc784\ub300\ub8cc \uadfc\uac70 \ub4f1 \ud574\ub2f9 \uc0c1\ud488\uc774 \uc694\uad6c\ud558\ub294 \uc790\ub8cc\ub97c \uc900\ube44\ud574\uc57c \ud569\ub2c8\ub2e4.<\/p><\/div><\/div><\/div><div class=\"loaning-faq-card\"><p class=\"loaning-faq-card__question\"><strong class=\"loaning-qa-label loaning-qa-label--q\">Q.<\/strong><span class=\"loaning-qa-question-text\">\uc790\uc601\uc5c5\uc790\ub77c\uba74 Non-QM\uc774 \ub354 \uc88b\uc740\uac00\uc694?<\/span><\/p><div class=\"loaning-faq-card__answer\"><strong class=\"loaning-qa-label loaning-qa-label--a\">A.<\/strong><div class=\"loaning-faq-card__answer-text\"><p>\uc790\uc601\uc5c5 \uc5ec\ubd80\ub9cc\uc73c\ub85c \uc815\ud560 \uc218\ub294 \uc5c6\uc5b4\uc694. \uc138\uae08\ubcf4\uace0\uc11c \ubc29\uc2dd\uacfc \ub300\uccb4 \uc99d\ube59 \ubc29\uc2dd\uc5d0\uc11c \uac01\uac01 \uc778\uc815\ud558\ub294 \uc18c\ub4dd\uacfc \ube44\uc6a9\uc744 \ube44\uad50\ud574 \ubcf4\uc138\uc694. \ub0b4 \uc790\ub8cc\ub97c \uc798 \uc124\uba85\ud558\uba74\uc11c \uc720\uc9c0 \uac00\ub2a5\ud55c \ube44\uc6a9\uc744 \uc81c\uc2dc\ud558\ub294 \ucabd\uc774 \uc911\uc694\ud574\uc694.<\/p><\/div><\/div><\/div><div class=\"loaning-faq-card\"><p class=\"loaning-faq-card__question\"><strong class=\"loaning-qa-label loaning-qa-label--q\">Q.<\/strong><span class=\"loaning-qa-question-text\">\ub300\ucd9c\uc561\uc774 \ud06c\uba74 Non-QM\uc778\uac00\uc694?<\/span><\/p><div class=\"loaning-faq-card__answer\"><strong class=\"loaning-qa-label loaning-qa-label--a\">A.<\/strong><div class=\"loaning-faq-card__answer-text\"><p>\uc544\ub2c8\uc5d0\uc694. \uc810\ubcf4 \uc5ec\ubd80\uc640 QM \uc5ec\ubd80\ub294 \ub2e4\ub978 \uae30\uc900\uc785\ub2c8\ub2e4. \ud070 \ub300\ucd9c\uc744 \ucc3e\ub294\ub2e4\uba74 \ub300\ucd9c \uaddc\ubaa8\ubfd0 \uc544\ub2c8\ub77c \uc18c\ub4dd \uc99d\ube59, \uae08\ub9ac \uad6c\uc870, \uc218\uc218\ub8cc \uc870\uac74\uae4c\uc9c0 \ub530\ub85c \ube44\uad50\ud558\uc138\uc694.<\/p><\/div><\/div><\/div><\/div><p>Non-QM\uc774\ub77c\ub294 \uc774\ub984\ubcf4\ub2e4 \ub0b4 \uc18c\ub4dd\uc744 \uc5b4\ub5bb\uac8c \uacc4\uc0b0\ud558\uace0 \uadf8 \uacb0\uacfc \uc5b4\ub5a4 \ube44\uc6a9\uc744 \ub0b4\ub294\uc9c0\uc5d0 \uc9d1\uc911\ud574 \ubcf4\uc138\uc694. \uc790\ub8cc\uc640 \uc22b\uc790\ub97c \ud568\uaed8 \ub193\uc73c\uba74 \ub0b4\uac8c \ub9de\ub294 \ub300\ucd9c\uc744 \uace0\ub974\uae30\uac00 \ud55c\uacb0 \uc26c\uc6cc\uc9d1\ub2c8\ub2e4.<\/p><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\/mortgage-rates?utm_source=blog_official&amp;utm_medium=loaning_kr&amp;utm_campaign=non_qm&amp;utm_content=what_is_a_non_qm_mortgage\">\n        <span>Loan Type<\/span>\n        <strong>Purchase<\/strong>\n      <\/a>\n\n      <a class=\"loaning-rate-field\" href=\"https:\/\/loaning.ai\/mortgage-rates?utm_source=blog_official&amp;utm_medium=loaning_kr&amp;utm_campaign=non_qm&amp;utm_content=what_is_a_non_qm_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\/mortgage-rates?utm_source=blog_official&amp;utm_medium=loaning_kr&amp;utm_campaign=non_qm&amp;utm_content=what_is_a_non_qm_mortgage\">\n        <span>City<\/span>\n        <strong>Enter your city<\/strong>\n      <\/a>\n\n      <a class=\"loaning-rate-button\" href=\"https:\/\/loaning.ai\/mortgage-rates?utm_source=blog_official&amp;utm_medium=loaning_kr&amp;utm_campaign=non_qm&amp;utm_content=what_is_a_non_qm_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  <figure class=\"loaning-bottom-image\" style=\"margin:28px 0 0;\"><a href=\"https:\/\/loaning.ai\/mortgage-rates?utm_source=blog_official&amp;utm_medium=loaning_kr&amp;utm_campaign=non_qm&amp;utm_content=what_is_a_non_qm_mortgage\" target=\"_blank\" rel=\"noopener noreferrer\"><img src=\"https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2026\/06\/250312_homebuyguide_4view4.png\" alt=\"Loaning.ai \uc628\ub77c\uc778 \ubaa8\uae30\uc9c0 \uae08\ub9ac \ube44\uad50\uc640 \ud55c\uad6d\uc5b4 \uc0c1\ub2f4 \uc548\ub0b4\" width=\"1020\" height=\"735\" loading=\"lazy\" decoding=\"async\" style=\"display:block;width:100%;max-width:100%;height:auto;\"><\/a><\/figure>\n<div class=\"loaning-side-tools\" aria-label=\"\ud398\uc774\uc9c0 \uc774\ub3d9 \ub3c4\uad6c\">\n    <button type=\"button\" class=\"loaning-side-tools__item loaning-side-tools__item--top\" aria-label=\"\ud398\uc774\uc9c0 \ub9e8 \uc704\ub85c \uc774\ub3d9\" title=\"\uc704\ub85c \uac00\uae30\" hidden=\"\">\n      <svg viewBox=\"0 0 24 24\" aria-hidden=\"true\">\n        <path d=\"m6 10 6-6 6 6M12 4v16\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.8\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path>\n      <\/svg>\n      <span>\uc704\ub85c \uac00\uae30<\/span>\n    <\/button>\n  <\/div>\n\n  <div class=\"loaning-floating-cta\" aria-label=\"\ubaa8\uae30\uc9c0 \uae08\ub9ac \ube44\uad50\">\n    <a class=\"loaning-floating-cta__link\" href=\"https:\/\/loaning.ai\/mortgage-rates?utm_source=blog_official&amp;utm_medium=loaning_kr&amp;utm_campaign=non_qm&amp;utm_content=what_is_a_non_qm_mortgage\" target=\"_blank\" rel=\"noopener noreferrer\">\ud83d\udc49 Find My Best Mortgage Rate<\/a>\n  <\/div>\n<\/article><script>\n  (function () {\n    var article = document.querySelector(\".loaning-geo-article\");\n    if (!article) return;\n\n    var summary = article.querySelector(\".loaning-ai-summary\");\n    var summaryToggle = summary ? summary.querySelector(\"summary\") : null;\n    var shareButton = article.querySelector(\".loaning-share-button\");\n    var shareStatus = article.querySelector(\".loaning-share-status\");\n    var scrollTopButton = article.querySelector(\".loaning-side-tools__item--top\");\n\n    function closeSummary() {\n      if (summary && summary.open) summary.removeAttribute(\"open\");\n    }\n\n    if (summary && summaryToggle) {\n      summary.addEventListener(\"toggle\", function () {\n        summaryToggle.setAttribute(\"aria-label\", summary.open ? \"AI \ud575\uc2ec \uc694\uc57d \ub2eb\uae30\" : \"AI \ud575\uc2ec \uc694\uc57d \uc5f4\uae30\");\n      });\n\n      document.addEventListener(\"click\", function (event) {\n        if (summary.open && 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\ube44\uad50\ud558\uc138\uc694. \ub3c8\uc740 \ubc8c\uace0 \uc788\ub294\ub370, \ub300\ucd9c \uc2e0\uccad\uc11c\uc758 \uc18c\ub4dd \uce78 \uc55e\uc5d0\uc11c \ub9c9\ud799\ub2c8\ub2e4. \uc6d4\uae09\ucc98\ub7fc \ub9e4\ub2ec [&hellip;]<\/p>\n","protected":false},"author":12,"featured_media":16332,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"jnews-multi-image_gallery":[],"jnews_single_post":{"format":"standard"},"jnews_primary_category":[],"footnotes":""},"categories":[47],"tags":[],"class_list":["post-16289","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-47"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v28.4 (Yoast SEO v28.7) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>\ubbf8\uad6d Non-QM \ubaa8\uae30\uc9c0\ub780 \ubb34\uc5c7\uc778\uac00: \uc18c\ub4dd \uc99d\ube59\uacfc \ub300\ucd9c \uc694\uac74<\/title>\n<meta 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