{"id":7156,"date":"2025-03-14T17:55:51","date_gmt":"2025-03-14T08:55:51","guid":{"rendered":"https:\/\/blog.loaning.ai\/ko\/?p=7156"},"modified":"2026-03-17T18:59:14","modified_gmt":"2026-03-17T09:59:14","slug":"%eb%af%b8%ea%b5%ad-%eb%aa%a8%ea%b8%b0%ec%a7%80-%ec%a2%85%eb%a5%98-%eb%b9%84%ea%b5%90-qm-%eb%8c%80%ec%b6%9c-non-qm-%eb%8c%80%ec%b6%9c-%ec%99%b8%ea%b5%ad%ec%9d%b8-%eb%8c%80%ec%b6%9c","status":"publish","type":"post","link":"https:\/\/blog.loaning.ai\/ko\/7156\/","title":{"rendered":"\ubbf8\uad6d \ubaa8\uae30\uc9c0 \uc885\ub958 \ube44\uad50: FHA, \ucee8\ud3ec\ubc0d, Non-QM \ucc28\uc774 \ud55c\ub208\uc5d0 \ubcf4\uae30 &#8211; \ubbf8\uad6d \uc9d1 \uc0ac\uae30 \u2465"},"content":{"rendered":"\n<meta charset=\"UTF-8\">\r\n<meta name=\"viewport\" content=\"width=device-width, initial-scale=1.0\">\r\n<!-- Pretendard \uc6f9\ud3f0\ud2b8 \ucd94\uac00 -->\r\n<link rel=\"stylesheet\" href=\"https:\/\/cdn.jsdelivr.net\/gh\/orioncactus\/pretendard\/dist\/web\/static\/pretendard.css\">\r\n\r\n<style>\r\n    \/* \uc804\uccb4 \ubcf8\ubb38 \ud3f0\ud2b8 Pretendard\ub85c \uc124\uc815 *\/\r\n    body {\r\n        font-family: 'Pretendard', sans-serif;\r\n        margin: 0;\r\n        padding: 0;\r\n    }\r\n<\/style>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"738\" src=\"https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/03\/250313_homebuyguide_5view_1-1-1024x738.png\" alt=\"\ubaa8\uae30\uc9c0 \uc885\ub958 \ube44\uad50\" class=\"wp-image-7157\" srcset=\"https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/03\/250313_homebuyguide_5view_1-1-1024x738.png 1024w, https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/03\/250313_homebuyguide_5view_1-1-300x216.png 300w, https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/03\/250313_homebuyguide_5view_1-1-768x553.png 768w, https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/03\/250313_homebuyguide_5view_1-1-1536x1107.png 1536w, https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/03\/250313_homebuyguide_5view_1-1-120x86.png 120w, https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/03\/250313_homebuyguide_5view_1-1-750x540.png 750w, https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/03\/250313_homebuyguide_5view_1-1-1140x821.png 1140w, https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/03\/250313_homebuyguide_5view_1-1.png 2040w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p>\ubbf8\uad6d \ubaa8\uae30\uc9c0 \uc885\ub958\ub294 \ud06c\uac8c QM\ub300\ucd9c\uacfc Non-QM\ub300\ucd9c\ub85c \ub098\ub269\ub2c8\ub2e4. QM\ub300\ucd9c\uc740 \uc815\ubd80 \uaddc\uc815\uc744 \uc900\uc218\ud558\ub294 \ub300\ucd9c\ub85c, \uc548\uc815\uc801\uc778 \uc18c\ub4dd\uacfc \ubd80\ucc44 \ube44\uc728\uc774 43% \uc774\ud558\uc778 \uc0ac\ub78c\uc5d0\uac8c \uc801\ud569\ud569\ub2c8\ub2e4. QM\ub300\ucd9c\uc758 \uc885\ub958\ub85c\ub294 \ucee8\ud3ec\ubc0d \ub860, FHA\ub860, VA\ub860, \uc810\ubcf4\ub860\uc774 \uc788\uc5b4\uc694. Non-QM\ub300\ucd9c\uc740 QM\ub300\ucd9c\ubcf4\ub2e4 \uaddc\uc81c\uac00 \ub35c\ud55c \ub300\ucd9c\ub85c, \uc790\uc601\uc5c5\uc790\ub098 \uc18c\ub4dd \uc99d\uba85\uc774 \uc5b4\ub824\uc6b4 \uc0ac\ub78c\ub4e4\uc5d0\uac8c \uc720\ub9ac\ud55c \ub300\uc2e0 \uc774\uc790\uc728\uc774 \ub192\ub2e4\ub294 \ub2e8\uc810\uc774 \uc788\uc2b5\ub2c8\ub2e4. NoN-QM\ub300\ucd9c\uc5d0\ub294 Bank Statement Loan, DSCR, \uc678\uad6d\uc778 \ub300\ucd9c \ub4f1\uc774 \uc788\uc2b5\ub2c8\ub2e4. \uc774\uc911\uc5d0\uc11c \ub098\uc5d0\uac8c \ub9de\ub294 \ub300\ucd9c \uc635\uc158\uc740 \ubb34\uc5c7\uc77c\uae4c\uc694?<\/p>\n\n\n\n<p><br><\/p>\n\n\n\n<h1 class=\"wp-block-heading\" id=\"h-\ubaa8\uae30\uc9c0-\ub300\ucd9c\uc774\ub780\"><strong>\ubaa8\uae30\uc9c0 \ub300\ucd9c\uc774\ub780?<\/strong><\/h1>\n\n\n\n<p>\ubaa8\uae30\uc9c0 \ub300\ucd9c(\ubaa8\uae30\uc9c0 \ub860)\uc740 \uac04\ub2e8\ud788 \ub9d0\ud574 <strong>\uc9d1\uc744 \uc0ac\uae30 \uc704\ud574 \uc740\ud589\uc774\ub098 \uae08\uc735\uae30\uad00\uc5d0\uc11c \ub3c8\uc744 \ube4c\ub9ac\ub294 \uac83<\/strong>\uc785\ub2c8\ub2e4. <strong>\uc9d1\uc744 \ub2f4\ubcf4\ub85c \uc124\uc815\ud558\uace0, \ube4c\ub9b0 \ub3c8\uc744 \uc6d4\ubcc4 \uc0c1\ud658 \uacc4\ud68d\uc5d0 \ub530\ub77c \uac1a\uc544\ub098\uac00\ub294 \ubc29\uc2dd<\/strong>\uc774\uc5d0\uc694. \ubbf8\uad6d\uc758 \uc9d1\uac12\uc740 \ud3c9\uade0\uc801\uc73c\ub85c 40\ub9cc \ub2ec\ub7ec(\uc57d 5\uc5b5 5\ucc9c\ub9cc \uc6d0)\ub97c \ub118\uace0, \ud2b9\ud788 \uce98\ub9ac\ud3ec\ub2c8\uc544\ub098 \ub274\uc695 \uac19\uc740 \ub300\ub3c4\uc2dc\uc5d0\uc11c\ub294 70\ub9cc \ub2ec\ub7ec(\uc57d 9\uc5b5 6\ucc9c\ub9cc \uc6d0) \uc774\uc0c1\uc778 \uacbd\uc6b0\ub3c4 \ud754\ud574\uc694. \uc774 \uae08\uc561\uc744 \ud55c \ubc88\uc5d0 \ub9c8\ub828\ud558\uae30\ub780 \uc27d\uc9c0 \uc54a\uae30 \ub54c\ubb38\uc5d0 \ub9ce\uc740 \uc0ac\ub78c\ub4e4\uc774 \ubaa8\uae30\uc9c0 \ub300\ucd9c\uc744 \ud65c\uc6a9\ud574 \uc9d1\uc744 \uc7a5\ub9cc\ud569\ub2c8\ub2e4. <strong>\ub300\ucd9c\uc744 \ud1b5\ud574 \uc9d1\uac12\uc758 \uc77c\ubd80\ub9cc \uba3c\uc800 \ub0b4\uace0(\ub2e4\uc6b4\ud398\uc774\uba3c\ud2b8), \ub098\uba38\uc9c0\ub294 \uc2dc\uac04\uc744 \ub450\uace0 \uac1a\uc544\ub098\uac00\ub294 \ubc29\uc2dd\uc774 \ud6e8\uc52c \ubd80\ub2f4\uc774 \ub35c\ud558\ub2c8\uae4c\uc694<\/strong>.<\/p>\n\n\n\n<p>\uc774 \uae00\uc5d0\uc11c \ubaa8\uae30\uc9c0 \ub300\ucd9c\uc5d0 \ub300\ud574 \uaf2d \uc54c\uc544\uc57c \ud560 \uc815\ubcf4\ub97c \uc5ec\ub7ec\ubd84\uaed8 \uc790\uc138\ud788 \uc54c\ub824\ub4dc\ub9b4\uac8c\uc694. \ub300\ucd9c\uc744 \uc120\ud0dd\ud558\ub294 \uac83\uc740 \ub9e4\uc6b0 \uc911\uc694\ud55c \uacb0\uc815\uc774\uc5d0\uc694. <strong>\uc5b4\ub5a4 \ub300\ucd9c\uc744 \uace0\ub974\ub290\ub0d0\uc5d0 \ub530\ub77c \ucd1d \uc774\uc790 \ube44\uc6a9, \uc6d4 \ub0a9\uc785\uc561, \uadf8\ub9ac\uace0 \ub300\ucd9c \uc2b9\uc778 \uac00\ub2a5\uc131\uc774 \ud06c\uac8c \ub2ec\ub77c<\/strong>\uc9c8 \uc218 \uc788\uae30 \ub54c\ubb38\uc785\ub2c8\ub2e4. \uadf8\ub7ec\ub2c8 \uc2e0\uc911\ud558\uac8c \uc54c\uc544\ubcf4\ub294 \uc2dc\uac04\uc744 \uac00\uc9c0\uc2dc\ub294 \uac8c \uc88b\uc544\uc694. \uc774 \uae00\uc5d0\uc11c\ub294 \ud55c\uad6d\uc778\ub3c4 \uc2e0\uccad\ud560 \uc218 \uc788\ub294 \ubaa8\uae30\uc9c0 \ub300\ucd9c\uc758 \uc870\uac74\uacfc \uc885\ub958, \uadf8\ub9ac\uace0 \ub300\ucd9c \uc790\uaca9\uc744 \ud655\uc778\ud558\ub294 \ubc29\ubc95, \ub098\uc5d0\uac8c \ub9de\ub294 \ub300\ucd9c \uc0c1\ud488 \ud655\uc778\ud558\ub294 \ubc29\ubc95\ub4e4\uc744 \uc54c\ub824\ub4dc\ub9ac\uaca0\uc2b5\ub2c8\ub2e4!<\/p>\n\n\n\n<p><br><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-\ud55c\uad6d\uc778\ub3c4-\ubaa8\uae30\uc9c0-\ub300\ucd9c\uc744-\ubc1b\uc744-\uc218-\uc788\uc744\uae4c\"><strong>\ud55c\uad6d\uc778\ub3c4 \ubaa8\uae30\uc9c0 \ub300\ucd9c\uc744 \ubc1b\uc744 \uc218 \uc788\uc744\uae4c?<\/strong><\/h2>\n\n\n\n<p>\ub124. \uac00\ub2a5\ud569\ub2c8\ub2e4! Loaning.ai\uc5d0\uc11c\ub294 \ubbf8\uad6d \uc2dc\ubbfc\uc774 \uc544\ub2cc \uc0ac\ub78c\uc5d0\uac8c\ub3c4 \uc8fc\ud0dd \ub300\ucd9c\uc744 \uc81c\uacf5\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ubaa8\uae30\uc9c0\ub294 \ubbf8\uad6d \uc2dc\ubbfc, \uc601\uc8fc\uad8c\uc790, \ucde8\uc5c5 \ube44\uc790 \uc18c\uc9c0\uc790\ubfd0\ub9cc \uc544\ub2c8\ub77c \uc678\uad6d\uc778\uc5d0\uac8c\ub3c4 \uc81c\uacf5\ub429\ub2c8\ub2e4.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-\ud55c\uad6d\uc778\uc774-\ubaa8\uae30\uc9c0-\ub300\ucd9c\uc744-\ubc1b\uc744-\uc218-\uc788\ub294-\uc870\uac74\"><strong>\ud55c\uad6d\uc778\uc774 \ubaa8\uae30\uc9c0 \ub300\ucd9c\uc744 \ubc1b\uc744 \uc218 \uc788\ub294 \uc870\uac74<\/strong><\/h3>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong><a href=\"https:\/\/blog.loaning.ai\/ko\/7037\/\">\uc2e0\uc6a9 \uc810\uc218(Credit Score)<\/a><\/strong>: \uc2e0\uc6a9 \uc810\uc218\uac00 660\uc810 \uc774\uc0c1\uc774\uc5b4\uc57c \ud569\ub2c8\ub2e4. <br><\/li>\n\n\n\n<li><strong>\uc18c\ub4dd \uc99d\ube59(Income Verification)<\/strong>: \ub300\ucd9c \uc6d0\uae08\uacfc \uc774\uc790\ub97c \uc0c1\ud658\ud560 \uc218 \uc788\ub294 \ucda9\ubd84\ud55c \uc18c\ub4dd\uc774 \uc788\uc5b4\uc57c \ud569\ub2c8\ub2e4.<br>\uc9c1\uc7a5\uc778\uc740 \ucd5c\uadfc 2\ub144 \uac04\uc758 \uae09\uc5ec \uba85\uc138\uc11c(W-2), \uc790\uc601\uc5c5\uc790\ub294 \uc138\uae08 \uc2e0\uace0 \uc11c\ub958(Tax Return) \ub4f1\uc774 \ud544\uc694\ud569\ub2c8\ub2e4.<br><\/li>\n\n\n\n<li><strong>\uc790\uc0b0<\/strong>: \uc120\ubd88\uae08(\ub2e4\uc6b4\ud398\uc774\uba3c\ud2b8, \ubcf4\ud1b5 3.5%~20%)\uacfc \ub9c8\uac10 \ube44\uc6a9\uc5d0 \ud544\uc694\ud55c \uc790\uae08\uc774 \uc788\uc5b4\uc57c \ud569\ub2c8\ub2e4.<br><\/li>\n\n\n\n<li><strong>DTI(\ubd80\ucc44 \ub300\ube44 \uc18c\ub4dd \ube44\uc728)<\/strong>: \uc6d4 \ubd80\ucc44 \ub300 \uc18c\ub4dd \ube44\uc728\uc774 <strong>50% \ubbf8\ub9cc<\/strong>\uc774\uc5b4\uc57c \ud569\ub2c8\ub2e4. -&gt; <a href=\"https:\/\/blog.loaning.ai\/ko\/7122\/\">DTI \uacc4\uc0b0\ubc29\ubc95<\/a><\/li>\n<\/ol>\n\n\n\n<p><br><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-\ubbf8\uad6d-\ubaa8\uae30\uc9c0-\uc885\ub958-\ube44\uad50-\ubb34\uc5c7\uc744-\uc120\ud0dd\ud574\uc57c-\ud560\uae4c\"><strong>\ubbf8\uad6d \ubaa8\uae30\uc9c0 \uc885\ub958 \ube44\uad50, \ubb34\uc5c7\uc744 \uc120\ud0dd\ud574\uc57c \ud560\uae4c?<\/strong><\/h2>\n\n\n\n<p>\ubaa8\uae30\uc9c0 \ub300\ucd9c\uc740 \ud06c\uac8c \ub450 \uac00\uc9c0\ub85c \ub098\ub204\uc5b4\uc9d1\ub2c8\ub2e4.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"738\" src=\"https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/03\/250314_homebuyguide_6view_2-1024x738.png\" alt=\"\ubaa8\uae30\uc9c0 \uc885\ub958 \ube44\uad50\" class=\"wp-image-7161\" srcset=\"https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/03\/250314_homebuyguide_6view_2-1024x738.png 1024w, https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/03\/250314_homebuyguide_6view_2-300x216.png 300w, https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/03\/250314_homebuyguide_6view_2-768x553.png 768w, https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/03\/250314_homebuyguide_6view_2-1536x1107.png 1536w, https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/03\/250314_homebuyguide_6view_2-120x86.png 120w, https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/03\/250314_homebuyguide_6view_2-750x540.png 750w, https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/03\/250314_homebuyguide_6view_2-1140x821.png 1140w, https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/03\/250314_homebuyguide_6view_2.png 2040w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>QM \ub300\ucd9c<\/strong><\/h3>\n\n\n\n<p id=\"SE-e816df76-d0ee-4ec8-a29f-aa856e058e22\">QM \ub300\ucd9c\uc740 \ubbf8\uad6d \uc815\ubd80 \ub610\ub294 \uaddc\uc81c\uae30\uad00\uc774 \uc815\ud55c \u2018\uac74\uc804\ud55c \uc0c1\ud658 \ub2a5\ub825 \uae30\uc900\u2019\uc744 \ucda9\uc871\ud574\uc57c \ud558\ub294 \ud45c\uc900 \ub300\ucd9c \uc0c1\ud488\uad70\uc785\ub2c8\ub2e4.<br>Conventional, FHA, VA, Jumbo \ub300\ucd9c \ub4f1\uc774 \ud3ec\ud568\ub429\ub2c8\ub2e4.<br><strong>\uc8fc\ub85c QM\ub300\ucd9c \ub300\uc0c1\uc740 \ubbf8\uad6d \uc2dc\ubbfc\uad8c\uc790\ub098 \uc601\uc8fc\uad8c\uc790\ub85c \uc548\uc815\uc801\uc778 \uc18c\ub4dd\uacfc \ubd80\ucc44 \ube44\uc728(DTI)\uc774 43% \uc774\ud558\uc778 \uc0ac\ub78c\uc5d0\uac8c \uc801\ud569\ud569\ub2c8\ub2e4.<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>\uae30\uc900 \ud56d\ubaa9<\/th><th>\ub0b4\uc6a9<\/th><\/tr><\/thead><tbody><tr><td><strong>\uc18c\ub4dd \uc99d\ube59<\/strong><\/td><td>\uc815\uaddc \uae09\uc5ec \ub610\ub294 \uc138\uae08 \uc2e0\uace0 \uae30\ubc18 \uc18c\ub4dd \uc99d\ube59 \ud544\uc218 (W-2, \uc138\uae08\ubcf4\uace0\uc11c, \uae09\uc5ec\uba85\uc138\uc11c \ub4f1)<\/td><\/tr><tr><td><strong>DTI(\ucd1d\ubd80\ucc44\uc0c1\ud658\ube44\uc728)<\/strong><\/td><td>43% \uc774\ud558 \uc6d0\uce59 (\uc608\uc678 \uc788\uc74c)<\/td><\/tr><tr><td><strong>\uc0c1\ud658 \uad6c\uc870<\/strong><\/td><td>\uc6d0\ub9ac\uae08 \uade0\ub4f1 \uc0c1\ud658 (\uc774\uc790\ub9cc \uc0c1\ud658, \ubc8c\ud06c \uc0c1\ud658 \ub4f1 \uae08\uc9c0)<\/td><\/tr><tr><td><strong>\ud3ec\uc778\ud2b8 \ubc0f \uc218\uc218\ub8cc<\/strong><\/td><td>\ub300\ucd9c\uae08\uc758 3% \uc774\ud558 \uc218\uc218\ub8cc\ub9cc \ud5c8\uc6a9<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p id=\"SE-e816df76-d0ee-4ec8-a29f-aa856e058e22\"><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Conforming Loan (\ucee8\ud3ec\ubc0d \ub860)<\/strong>: \uc77c\ubc18\uc801\uc778 \ub300\ucd9c\ub85c, \ubcf4\ud1b5 Conventional Loan(\ucee8\ubca4\uc154\ub110 \ub860)\uacfc \ub3d9\uc77c\ud55c \uac1c\ub150\uc785\ub2c8\ub2e4. Fannie Mae, Freddie Mac(\ubbf8\uad6d \uc815\ubd80\uac00 \ub9cc\ub4e0 \uae30\uad00)\uc774 \uae30\uc900\uc744 \uc815\ud55c \ub300\ucd9c\uc785\ub2c8\ub2e4.\n<ul class=\"wp-block-list\">\n<li><strong>\uc790\uaca9 \ub300\uc0c1<\/strong>: \uc2dc\ubbfc\uad8c\uc790, \uc601\uc8fc\uad8c\uc790, \uc77c\ubd80 \ube44\uc601\uc8fc\uad8c\uc790(\ud569\ubc95 \uccb4\ub958\uc790, SSN \ubcf4\uc720\uc790 \ub4f1), \ub2e8 \ube44\uc790 \uccb4\ub958\uc790\ub098 \uc678\uad6d\uc778 \ud22c\uc790\uc790 \ub300\ubd80\ubd84 \uc81c\uc678<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>FHA Loan<\/strong>: \uc815\ubd80 \ubcf4\uc99d \ub300\ucd9c\ub85c, \uc2e0\uc6a9 \uc810\uc218\uac00 \ub0ae\uc544\ub3c4 \uac00\ub2a5\ud558\uace0 \ub2e4\uc6b4\ud398\uc774\uba3c\ud2b8\ub3c4 \ub0ae\uc2b5\ub2c8\ub2e4.<\/li>\n\n\n\n<li><strong>VA Loan<\/strong>: \uad70\uc778, \uc7ac\ud5a5 \uad70\uc778(\uad70\ubcf5\ubb34 \ub9c8\uce58\uace0 \uc77c\ubc18\uc0ac\ud68c\ub85c \ubcf5\uadc0\ud55c \uc0ac\ub78c)\uc744 \uc704\ud55c \ub300\ucd9c\ub85c, \ub2e4\uc6b4\ud398\uc774 0% \uac00\ub2a5\ud569\ub2c8\ub2e4.<\/li>\n\n\n\n<li><strong>Jumbo Loan<\/strong>: \ub300\ucd9c \uae08\uc561\uc774 \ud06c\uae30 \ub54c\ubb38\uc5d0 \uc2e0\uc6a9 \uc810\uc218 \uc694\uac74\uc774 \ub192\uace0 \ub2e4\uc6b4\ud398\uc774\ub3c4 \ub192\uc2b5\ub2c8\ub2e4.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><br><strong>Non-QM \ub300\ucd9c<\/strong><\/h3>\n\n\n\n<p><strong>\uaddc\uc81c\uac00 \ub35c\ud55c \ub300\ucd9c\ub85c, \uc790\uc601\uc5c5\uc790\ub098 \uc18c\ub4dd \uc99d\uba85\uc774 \uc5b4\ub824\uc6b4 \uc0ac\ub78c\ub4e4\uc5d0\uac8c \uc720\ub9ac\ud569\ub2c8\ub2e4. \ub300\uc2e0 \uc774\uc790\uc728\uc774 \ub192\uc2b5\ub2c8\ub2e4.<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Bank Statement Loan, DSCR Loan, Foreign National Loan \ub4f1<\/strong>: \uc18c\ub4dd \uc99d\uba85\uc774 \uc5b4\ub824\uc6b4 \uc790\uc601\uc5c5\uc790, \uc678\uad6d\uc778 \ud22c\uc790\uc790 \ub4f1\uc774 \uc774\uc6a9\ud558\ub294 \ub300\ucd9c\uc785\ub2c8\ub2e4.<\/li>\n\n\n\n<li>\uc77c\ubc18\uc801\uc778 \ub300\ucd9c\ubcf4\ub2e4 \uc720\uc5f0\ud55c \uc2ec\uc0ac \uae30\uc900\uc774 \uc788\uc9c0\ub9cc, \uae08\ub9ac\uac00 \ub192\uc744 \uac00\ub2a5\uc131\uc774 \uc788\uc2b5\ub2c8\ub2e4.<\/li>\n<\/ul>\n\n\n\n<p><br><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-\ubaa8\uae30\uc9c0-\ub300\ucd9c\uc744-\ubc1b\uae30-\uc704\ud55c-\ucd5c\uc18c-\uc2e0\uc6a9\uc810\uc218-\uc694\uac74\uc740\"><strong>\ubaa8\uae30\uc9c0 \ub300\ucd9c\uc744 \ubc1b\uae30 \uc704\ud55c \ucd5c\uc18c \uc2e0\uc6a9\uc810\uc218 \uc694\uac74\uc740?<\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"617\" height=\"175\" src=\"https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/03\/image-2-1.png\" alt=\"\ubaa8\uae30\uc9c0 \uc885\ub958 \ube44\uad50\" class=\"wp-image-7170\" srcset=\"https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/03\/image-2-1.png 617w, https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/03\/image-2-1-300x85.png 300w\" sizes=\"auto, (max-width: 617px) 100vw, 617px\" \/><\/figure>\n\n\n\n<p>\ubbf8\uad6d\uc5d0\uc11c \uc2e0\uc6a9 \uae30\ub85d\uc774 \uc5c6\ub294 \uc678\uad6d\uc778\uc758 \uacbd\uc6b0 \ub300\ubd80\ubd84 \ub300\ucd9c \uae30\uad00\uc740 \ucd5c\uc18c 680\uc810\uc758 \uc2e0\uc6a9 \uc810\uc218\ub97c \uc694\uad6c\ud569\ub2c8\ub2e4. \uc77c\ubd80\ub294 \uc2e0\uccad\uc790\uc758 \ubcf8\uad6d\uc5d0\uc11c \uc2e0\uc6a9 \ubcf4\uace0\uc11c\ub97c \uc218\ub77d\ud560 \uc218 \uc788\uc73c\uba70, \uc774\ub97c 680\uc810\uacfc \ub3d9\ub4f1\ud558\ub2e4\uace0 \uc77c\ub960\uc801\uc73c\ub85c \uc778\uc815\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uadf8\ub7ec\ub098 \uc678\uad6d\uc778\uc774 \ubbf8\uad6d \uc2e0\uc6a9 \uae30\ub85d\uc774 \uc788\ub294 \uacbd\uc6b0(\uc608: \uc774\uc804\uc5d0 \ubbf8\uad6d\uc5d0 \uac70\uc8fc\ud558\uace0 \uc8fc\ud0dd \ub2f4\ubcf4 \ub300\ucd9c\uc744 \ubc1b\uace0 \uc815\uae30\uc801\uc73c\ub85c \ub2f4\ubcf4 \ub300\ucd9c\uc744 \uac1a\uc740 \uacbd\uc6b0) \uc2e0\uc6a9 \uc810\uc218\uac00 680\uc810\uc744 \ucd08\uacfc\ud558\uba74 \ub354 \ub0ae\uc740 \uc774\uc790\uc728\uc744 \ubc1b\uc744 \uc790\uaca9\uc774 \uc788\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p><br><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-\ubaa8\uae30\uc9c0-\uc885\ub958-\ube44\uad50-\uc5b4\ub5a4-\ub300\ucd9c\uc744-\uc120\ud0dd\ud574\uc57c-\ud560\uae4c\"><strong>\ubaa8\uae30\uc9c0 \uc885\ub958 \ube44\uad50, \uc5b4\ub5a4 \ub300\ucd9c\uc744 \uc120\ud0dd\ud574\uc57c \ud560\uae4c?<\/strong><\/h2>\n\n\n\n<p>\ubbf8\uad6d\uc5d0\uc11c \uac00\uc7a5 \ub9ce\uc774 \uc774\uc6a9\ud558\ub294 \ub300\ucd9c\uc740 \ud06c\uac8c <strong>Conforming Loan(\uc77c\ubc18 \ub300\ucd9c)<\/strong>\uacfc <strong>FHA Loan(\uc815\ubd80 \ubcf4\uc99d \ub300\ucd9c)<\/strong> \ub450 \uac00\uc9c0\ub85c \ub098\ub269\ub2c8\ub2e4.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-conforming-loan-vs-fha-loan-\ube44\uad50\"><strong>Conforming Loan vs FHA Loan \ube44\uad50<\/strong><\/h3>\n\n\n\n<style>\n  table {\n    width: 100%;\n    border-collapse: collapse;\n    text-align: left;\n  }\n  th, td {\n    border: 1px solid #ddd;\n    padding: 12px;\n  }\n  th {\n    background-color: #f4f4f4;\n  }\n  td:first-child {\n    font-weight: bold;\n  }\n  @media (max-width: 768px) {\n    table {\n      font-size: 14px;\n    }\n    th, td {\n      padding: 8px;\n    }\n  }\n<\/style>\n\n<table>\n  <tr>\n    <th>\ud56d\ubaa9<\/th>\n    <th>Conforming Loan (\ucee8\ud3ec\ubc0d \ub860)<\/th>\n    <th>FHA Loan (\uc815\ubd80 \ubcf4\uc99d \ub300\ucd9c)<\/th>\n  <\/tr>\n  <tr>\n    <td>\ub300\ucd9c \uc2b9\uc778 \uae30\uad00<\/td>\n    <td>Fannie Mae, Freddie Mac\uc774 \uc815\ud55c \uae30\uc900\uc744 \ucda9\uc871\ud574\uc57c \ud568<\/td>\n    <td>\ubbf8\uad6d \uc815\ubd80(FHA)\uc5d0\uc11c \ubcf4\uc99d<\/td>\n  <\/tr>\n  <tr>\n    <td>\uc2e0\uc6a9 \uc810\uc218 \uc694\uad6c<\/td>\n    <td>\ubcf4\ud1b5 620\uc810 \uc774\uc0c1<\/td>\n    <td>580\uc810 \uc774\uc0c1 \uac00\ub2a5 (\uc77c\ubd80 500\uc810 \uac00\ub2a5)<\/td>\n  <\/tr>\n  <tr>\n    <td>\ub2e4\uc6b4\ud398\uc774\uba3c\ud2b8<\/td>\n    <td>\ucd5c\uc18c 3~5% \ud544\uc694<\/td>\n    <td>\ucd5c\uc18c 3.5% \ud544\uc694<\/td>\n  <\/tr>\n  <tr>\n    <td>\uc774\uc790\uc728<\/td>\n    <td>\uc2e0\uc6a9 \uc810\uc218\uc5d0 \ub530\ub77c \uacb0\uc815 (\uc88b\uc740 \uc2e0\uc6a9 \uc810\uc218\uc77c\uc218\ub85d \ub0ae\uc740 \uc774\uc790\uc728)<\/td>\n    <td>\uc0c1\ub300\uc801\uc73c\ub85c \ub192\uc740 \uc774\uc790\uc728<\/td>\n  <\/tr>\n  <tr>\n    <td>\ub300\ucd9c \ud55c\ub3c4<\/td>\n    <td>\uc9c0\uc5ed\ubcc4\ub85c \uc815\ud574\uc9c4 \ud55c\ub3c4 \ub0b4\uc5d0\uc11c\ub9cc \uac00\ub2a5<\/td>\n    <td>\uc77c\ubc18\uc801\uc73c\ub85c \ucee8\ud3ec\ubc0d \ub860\ubcf4\ub2e4 \uc801\uc740 \uae08\uc561 \uac00\ub2a5<\/td>\n  <\/tr>\n  <tr>\n    <td>\ucd08\uae30 \ubcf4\ud5d8\ub8cc<\/td>\n    <td>\ucd08\uae30 \ubcf4\ud5d8\ub8cc \uc5c6\uc74c<\/td>\n    <td>\ub300\ucd9c\uae08\uc758 1.75%<\/td>\n  <\/tr>\n  <tr>\n    <td>MIP vs PMI<\/td>\n    <td>\n      <strong>PMI(\uac1c\uc778 \ubaa8\uae30\uc9c0 \ubcf4\ud5d8):<\/strong>\n       \ub2e4\uc6b4\ud398\uc774\uba3c\ud2b8 20% \ubbf8\ub9cc \uc2dc \ud544\uc694. \uc5f0\uac04 0.5%~1.5% (LTV 78% \uc774\ud558 \uc2dc \uc81c\uac70 \uac00\ub2a5)\n    <\/td>\n    <td>\n      <strong>MIP(\ubaa8\uae30\uc9c0 \ubcf4\ud5d8\ub8cc):<\/strong>\n      UFMIP(\ucd08\uae30 \ubcf4\ud5d8\ub8cc) 1.75%, \uc5f0\uac04 0.45%~0.85% (LTV \ubc0f \ub300\ucd9c \uae30\uac04\uc5d0 \ub530\ub77c, \ub9cc\uae30\uae4c\uc9c0 \uc720\uc9c0)\n    <\/td>\n  <\/tr>\n  <tr>\n    <td>\ub204\uac00 \uc720\ub9ac\ud560\uae4c?<\/td>\n    <td>\uc2e0\uc6a9 \uc810\uc218\uac00 \ub192\uace0 \ub2e4\uc6b4\ud398\uc774 5% \uc774\uc0c1 \uac00\ub2a5\ud55c \uc0ac\ub78c<\/td>\n    <td>\uc2e0\uc6a9 \uc810\uc218\uac00 \ub0ae\uac70\ub098 \ub2e4\uc6b4\ud398\uc774 \uc5ec\ub825\uc774 \ubd80\uc871\ud55c \uc0ac\ub78c<\/td>\n  <\/tr>\n<\/table>\n\n\n\n<p class=\"has-cyan-bluish-gray-color has-text-color has-link-color wp-elements-b0add90b91f108f710eae376b43333a5\"><em>* Fannie Mae\uc640 Freddie Mac\uc740 \ubbf8\uad6d \uc815\ubd80\uac00 \ub9cc\ub4e0 \uae30\uad00\uc73c\ub85c, \uc740\ud589\uc774 \ub300\ucd9c\uc744 \uc27d\uac8c \ud574\uc904 \uc218 \uc788\ub3c4\ub85d \ub3d5\ub294 \uc5ed\ud560\uc744 \ud569\ub2c8\ub2e4. (\uc774\uc790\uc728 \ub0ae\uac8c, \ub300\ucd9c\uc740 \uc27d\uac8c)<br><\/em><\/p>\n\n\n\n<p><br><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-\uc18c\ub4dd\uc774-\ub0ae\ub2e4\uba74-fha-\ub300\ucd9c\uc744-\uc120\ud0dd\ud558\uc138\uc694\"><strong>\uc18c\ub4dd\uc774 \ub0ae\ub2e4\uba74? FHA \ub300\ucd9c\uc744 \uc120\ud0dd\ud558\uc138\uc694<\/strong><\/h2>\n\n\n\n<p>FHA \ub300\ucd9c\uc740 \uc5f0\ubc29 \uc8fc\ud0dd \uad00\ub9ac\uad6d\uc774 \ubcf4\uc99d\ud558\ub294 \uc815\ubd80 \uc9c0\uc6d0 \ubaa8\uae30\uc9c0\ub85c, \uc2e0\uc6a9 \uc810\uc218\uac00 \ub0ae\uac70\ub098 \ub2e4\uc6b4\ud398\uc774\ub97c \ub9ce\uc774 \uc900\ube44\ud558\uc9c0 \ubabb\ud55c \uc0ac\ub78c\ub4e4\uc744 \uc704\ud55c \ub300\ucd9c\uc785\ub2c8\ub2e4. \ub2e4\ub978 \ub300\ucd9c\ubcf4\ub2e4 \ub354 \uc26c\uc6b4 \uc790\uaca9\uc73c\ub85c \uccab \uc8fc\ud0dd \uad6c\ub9e4\uc790\uc5d0\uac8c \uce5c\ud654\uc801\uc774\uc8e0.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-fha-\ub300\ucd9c-\uc774\uc810\"><strong>FHA \ub300\ucd9c \uc774\uc810<\/strong><\/h4>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"621\" height=\"360\" src=\"https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/03\/image-3-1.png\" alt=\"\ubbf8\uad6d \uc9d1 \uc0ac\uae30\" class=\"wp-image-7171\" srcset=\"https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/03\/image-3-1.png 621w, https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/03\/image-3-1-300x174.png 300w\" sizes=\"auto, (max-width: 621px) 100vw, 621px\" \/><\/figure>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-fha-\ub300\ucd9c-\uc8fc\uc694-\uc870\uac74\"><strong>FHA \ub300\ucd9c \uc8fc\uc694 \uc870\uac74<\/strong><\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\uc18c\ub4dd \ub300\ube44 \ubd80\ucc44 \ube44\uc728(DTI) \uc2ec\uc0ac \ud544\uc694<\/li>\n\n\n\n<li>\ubcf8\uc778\uc774 \uac70\uc8fc\ud560 \uc9d1(\uc8fc\uac70\uc9c0)\uc73c\ub85c\ub9cc \uc0ac\uc6a9 \uac00\ub2a5<\/li>\n\n\n\n<li>\ud22c\uc790\uc6a9 \ubd80\ub3d9\uc0b0\uc774\ub098 \ub2e8\uae30 \ub300\ucd9c\ub85c\ub294 \uc0ac\uc6a9 \ubd88\uac00<\/li>\n\n\n\n<li>\ub2e8\ub3c5\uc8fc\ud0dd, \ucf58\ub3c4, \ub2e4\uc138\ub300 \uc8fc\ud0dd \ubaa8\ub450 \uac00\ub2a5<\/li>\n<\/ul>\n\n\n\n<p><br><\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"SE-4311329b-462d-450d-b45b-1fc6815a21de\"><strong>FHA \ub300\ucd9c\uc744 \ubc1b\uc744 \uc218 \uc788\ub294 \ub300\uc0c1<\/strong><\/h4>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>\ubbf8\uad6d \uc2dc\ubbfc\uad8c\uc790 (U.S. Citizen)<\/strong><\/li>\n\n\n\n<li><strong>\uc601\uc8fc\uad8c\uc790 (Permanent Resident, Green Card Holder)<\/strong><\/li>\n\n\n\n<li><strong>\ube44\uc774\ubbfc \ube44\uc790 \uc18c\uc9c0\uc790 (Non-Permanent Resident Alien, \uc608: H-1B, E-2, L-1, TN \ube44\uc790 \ub4f1)<\/strong><\/li>\n<\/ol>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\ubbf8\uad6d \ub0b4\uc5d0\uc11c <strong>\ud569\ubc95\uc801\uc73c\ub85c \uac70\uc8fc \ubc0f \uadfc\ubb34<\/strong>\ud558\uace0 \uc788\uc5b4\uc57c \ud568<\/li>\n\n\n\n<li>\uc18c\uc15c \uc2dc\ud050\ub9ac\ud2f0 \ub118\ubc84(SSN)\uac00 \uc788\uc5b4\uc57c \ud568<\/li>\n\n\n\n<li><strong>\ubbf8\uad6d\uc5d0 \uacc4\uc18d \uac70\uc8fc\ud560 \uc758\uc0ac\uac00 \uc788\ub2e4\ub294 \uc99d\ube59<\/strong>(\uc608: \uace0\uc6a9\uacc4\uc57d\uc11c)\uc774 \ud544\uc694<\/li>\n<\/ul>\n\n\n\n<p><br><\/p>\n\n\n\n<h3 class=\"wp-block-heading has-vivid-green-cyan-color has-text-color has-link-color wp-elements-14174f6d02fd9d122584000c1162dd8c\" id=\"SE-3b943a96-8ecd-448c-b12e-fccca474e24d\"><strong>\u2b50(25\ub144 3\uc6d4 26\uc77c \uc2e0\uaddc \uc815\ubcf4) FHA \ub300\ucd9c \ub300\uc0c1\uc774 \ubcc0\uacbd\ub418\uc5c8\uc5b4\uc694!<\/strong><\/h3>\n\n\n\n<p id=\"SE-ce00a611-faca-47aa-9568-30a7f2a3d6f0\"><strong>25\ub144 5\uc6d4 25\uc77c\ubd80\ud130<\/strong><br><strong>\ube44\uc601\uc8fc\uad8c\uc790\ub294 FHA \ub300\ucd9c \uc2e0\uccad\uc774 \ubd88\uac00\ud569\ub2c8\ub2e4.<\/strong><br>H-1B, L-1, F-1 \ub4f1 \uc784\uc2dc \uccb4\ub958 \ube44\uc790 \uc18c\uc9c0\uc790\ub294 \ub300\ucd9c \ub300\uc0c1\uc5d0\uc11c \uc81c\uc678\ub418\uc5c8\uc5b4\uc694.<\/p>\n\n\n\n<p id=\"SE-ddf5a21d-bfa1-4a7e-8cfa-ca6782e1d148\">\ub530\ub77c\uc11c <strong>FHA Loan\uc740 \ubbf8\uad6d \uc2dc\ubbfc\uad8c\uc790 \ub610\ub294 \uc601\uc8fc\uad8c\uc790<\/strong>\ub9cc \uc2e0\uccad\ud560 \uc218 \uc788\ub294 \ub300\ucd9c \uc0c1\ud488\uc774 \ub418\uc5c8\uc2b5\ub2c8\ub2e4.<br>\ube44\uc601\uc8fc\uad8c\uc790\ub294 Non-QM \ub300\ucd9c\uc774\ub098 \uc678\uad6d\uc778 \ub300\ucd9c \uc0c1\ud488\uc744 \uc54c\uc544\ubd10\uc57c \ud574\uc694.<br>\ud639\uc740 \uc815\ucc45 \uc2dc\ud589\ub418\uae30 \uc804\uae4c\uc9c0 \uc11c\ub458\ub7ec FHA \ub300\ucd9c\uc744 \ubc1b\uc544\uc57c \ud569\ub2c8\ub2e4!<\/p>\n\n\n\n<p>\ub354 \uc790\uc138\ud55c \ub0b4\uc6a9\uc740 \uc544\ub798\uc5d0\uc11c \ud655\uc778\ud574\uc8fc\uc138\uc694!<\/p>\n\n\n\n<figure class=\"wp-block-embed is-type-wp-embed is-provider-30-ai wp-block-embed-30-ai\"><div class=\"wp-block-embed__wrapper\">\n<blockquote class=\"wp-embedded-content\" data-secret=\"xyjGvXHN16\"><a href=\"https:\/\/blog.loaning.ai\/ko\/7812\/\">\ube44\uc601\uc8fc\uad8c\uc790\uc758 FHA \ub300\ucd9c \uc790\uaca9 \ubc15\ud0c8\uacfc \ub300\ucc98\ubc95 \uacf5\uac1c (2025)<\/a><\/blockquote><iframe loading=\"lazy\" class=\"wp-embedded-content\" sandbox=\"allow-scripts\" security=\"restricted\" style=\"position: absolute; visibility: hidden;\" title=\"&#8220;\ube44\uc601\uc8fc\uad8c\uc790\uc758 FHA \ub300\ucd9c \uc790\uaca9 \ubc15\ud0c8\uacfc \ub300\ucc98\ubc95 \uacf5\uac1c (2025)&#8221; &#8212; \ubbf8\uad6d 30\ub144 \ubaa8\uae30\uc9c0 \uae08\ub9ac | \ub85c\ub2ddAI \ube14\ub85c\uadf8\" src=\"https:\/\/blog.loaning.ai\/ko\/7812\/embed\/#?secret=htPbePai5F#?secret=xyjGvXHN16\" data-secret=\"xyjGvXHN16\" width=\"500\" height=\"282\" frameborder=\"0\" marginwidth=\"0\" marginheight=\"0\" scrolling=\"no\"><\/iframe>\n<\/div><\/figure>\n\n\n\n<p><br><br><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-loaning-ai-\uc5d0\uc11c-\ub300\ucd9c-\uac00\ub2a5\uc131\uc744-\ubbf8\ub9ac-\ud655\uc778\ud558\uc138\uc694\"><strong><a href=\"https:\/\/loaning.ai\/ko\/homebuying-guide\/check-your-affordability?utm_source=blog_official&amp;utm_medium=loaning_kr&amp;utm_campaign=firsthomebuying&amp;utm_content=firsthomebuying6_kr\">Loaning.ai<\/a>\uc5d0\uc11c \ub300\ucd9c \uac00\ub2a5\uc131\uc744 \ubbf8\ub9ac \ud655\uc778\ud558\uc138\uc694!<\/strong><\/h2>\n\n\n\n<p>Loaning.ai\uc758 \uc2a4\ub9c8\ud2b8\ud55c \ub300\ucd9c \uacc4\uc0b0 \ub3c4\uad6c\ub97c \uc0ac\uc6a9\ud558\uba74 \uba87 \uac00\uc9c0 \uc815\ubcf4\ub9cc \uc785\ub825\ud574\ub3c4 \uc5ec\ub7ec\ubd84\uc5d0\uac8c \ub9de\ub294 \ub300\ucd9c \uc870\uac74\uc744 \ubc14\ub85c \ud655\uc778\ud560 \uc218 \uc788\uc5b4\uc694!<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"738\" src=\"https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/03\/250311_homebuyguide_3view2-1-1024x738.png\" alt=\"\ubaa8\uae30\uc9c0 \uc885\ub958 \ube44\uad50\" class=\"wp-image-7158\" srcset=\"https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/03\/250311_homebuyguide_3view2-1-1024x738.png 1024w, https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/03\/250311_homebuyguide_3view2-1-300x216.png 300w, https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/03\/250311_homebuyguide_3view2-1-768x553.png 768w, https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/03\/250311_homebuyguide_3view2-1-1536x1107.png 1536w, https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/03\/250311_homebuyguide_3view2-1-120x86.png 120w, https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/03\/250311_homebuyguide_3view2-1-750x540.png 750w, https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/03\/250311_homebuyguide_3view2-1-1140x821.png 1140w, https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/03\/250311_homebuyguide_3view2-1.png 2040w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p>\uc9c0\uc5ed\ubcc4 \ub9de\ucda4\ud654\ub97c \ud1b5\ud574 <strong>\ub300\ucd9c \uae08\uc561\uacfc \uc6d4 \ub0a9\uc785\uc561, DTI, LTV \ub4f1\uc744 \uc2e4\uc2dc\uac04\uc73c\ub85c \ud655\uc778<\/strong>\ud560 \uc218 \uc788\uc5b4 \ub300\ucd9c \uacb0\uc815 \uc804\uc5d0 <strong>\uc5ec\ub7ec\ubd84\uc758 \uc7ac\uc815 \uc0c1\ud669\uc744 \uba85\ud655\ud788 \ud30c\uc545<\/strong>\ud560 \uc218 \uc788\uc8e0.<br>\uc5ec\ub7ec\ubd84\uc758 \uc608\uc0b0\uc5d0 \ub9de\ub294 \ucd5c\uc801\uc758 \uacc4\ud68d\uc744 \uc138\uc6b8 \uc218 \uc788\ub2f5\ub2c8\ub2e4!<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p><strong>AI \uae30\uc220\ub85c \ube60\ub974\uace0 \ud22c\uba85\ud558\uac8c \uacc4\uc0b0\ub418\ub2c8, \uc9c0\uae08 \ubc14\ub85c \ub300\ucd9c \uc790\uaca9 \ud655\uc778\ud558\uc138\uc694!<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><a href=\"https:\/\/loaning.ai\/ko\/homebuying-guide\/check-your-affordability?utm_source=blog_official&amp;utm_medium=loaning_kr&amp;utm_campaign=firsthomebuying&amp;utm_content=firsthomebuying6_kr\"><img loading=\"lazy\" decoding=\"async\" width=\"741\" height=\"159\" src=\"https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/03\/Frame-1375-1.png\" alt=\"\ubbf8\uad6d \uc9d1 \uc0ac\uae30\" class=\"wp-image-7175\" srcset=\"https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/03\/Frame-1375-1.png 741w, https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/03\/Frame-1375-1-300x64.png 300w\" sizes=\"auto, (max-width: 741px) 100vw, 741px\" \/><\/a><\/figure>\n\n\n\n<p><br><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-\ubbf8\uad6d-\ubaa8\uae30\uc9c0-\uc885\ub958-\ube44\uad50-loaning-ai-\uac00-\ud55c-\ubc88\uc5d0-\ud574\uacb0\ud574\uc90d\ub2c8\ub2e4\"><strong>\ubbf8\uad6d \ubaa8\uae30\uc9c0 \uc885\ub958 \ube44\uad50? <a href=\"https:\/\/loaning.ai\/ko?utm_source=blog_official&amp;utm_medium=loaning_kr&amp;utm_campaign=firsthomebuying&amp;utm_content=firsthomebuying6_kr\">Loaning.ai<\/a>\uac00 \ud55c \ubc88\uc5d0 \ud574\uacb0\ud574\uc90d\ub2c8\ub2e4!<\/strong><\/h2>\n\n\n\n<p id=\"SE-74156d83-22fa-46cf-a814-374aff1ed02b\">Loaning.ai\ub294 \uc77c\ubc18 \ub80c\ub354\uc0ac\uc640 \ub2ec\ub9ac <strong>\ub2e4\uc591\ud55c \ubaa8\uae30\uc9c0 \ub300\ucd9c \uc635\uc158\uc744 \uc81c\uacf5<\/strong>\ud574 \uc5ec\ub7ec\ubd84\uc758 \uc9d1 \ub9c8\ub828\uc744 \ub354 \uc27d\uac8c \ub9cc\ub4e4\uc5b4\uc90d\ub2c8\ub2e4. <strong>\uc77c\ubc18 \ub80c\ub354\uc0ac\ub294 \uc8fc\ub85c QM \ub300\ucd9c(\uc608: Conforming, FHA)\uc5d0 \uc9d1\uc911\ud558\uace0, Non-QM \ub300\ucd9c\uc740 \uc81c\ud55c\uc801<\/strong>\uc778 \uacbd\uc6b0\uac00 \ub9ce\uc544\uc694. \ud558\uc9c0\ub9cc Loaning.ai\ub294 \uc790\uc601\uc5c5\uc790\ub098 \uc18c\ub4dd \uc99d\uba85\uc774 \uc5b4\ub824\uc6b4 \ubd84\ub4e4\uc744 \uc704\ud55c Non-QM \ub300\ucd9c\uae4c\uc9c0 \ud3ed\ub113\uac8c \ub2e4\ub8f9\ub2c8\ub2e4. \uc678\uad6d\uc778\uc744 \uc704\ud55c \ub300\ucd9c\ub3c4 \ub9c8\ucc2c\uac00\uc9c0\uc608\uc694. <strong>\ub2e4\ub978 \ub80c\ub354\uc0ac\uc5d0\uc11c\ub294 \uc678\uad6d\uc778 \ub300\ucd9c\uc774 \uae4c\ub2e4\ub86d\uac70\ub098 \ub192\uc740 \uc2e0\uc6a9 \uc810\uc218\uc640 \ub2e4\uc6b4\ud398\uc774\uba3c\ud2b8\ub97c \uc694\uad6c<\/strong>\ud558\uc9c0\ub9cc, <strong>Loaning.ai\ub294 \ud55c\uad6d\uc778\uc744 \ud3ec\ud568\ud55c \uc678\uad6d\uc778\ub3c4 \uc27d\uac8c \ub300\ucd9c<\/strong>\ubc1b\uc744 \uc218 \uc788\ub3c4\ub85d \uc124\uacc4\ub418\uc5c8\uc5b4\uc694.<\/p>\n\n\n\n<p id=\"SE-3c2744dd-430b-4431-bc84-f0b77a686d0f\">\ub610\ud55c<strong> Loaning.ai\ub294 \ucd08\uae30 \ube44\uc6a9 \ubd80\ub2f4\uc744 \uc904\uc5ec\uc8fc\ub294 \uc635\uc158<\/strong>\uc774 \ub9ce\uc2b5\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, VA \ub300\ucd9c\uc744 \ud1b5\ud574 \ub2e4\uc6b4\ud398\uc774\uba3c\ud2b8 \uc5c6\uc774 \uc9d1\uc744 \uad6c\ub9e4\ud560 \uc218 \uc788\uace0, FHA \ub300\ucd9c\uc740 3.5%, Conforming \ub300\ucd9c\uc740 3%\ub9cc \uc900\ube44\ud558\uba74 \ub429\ub2c8\ub2e4. \uc77c\ubc18 \ub80c\ub354\uc0ac\ubcf4\ub2e4 <strong>\ud6e8\uc52c \uc801\uc740 \uc790\uae08\uc73c\ub85c \uccab \uc9d1 \ub9c8\ub828\uc744 \uc2dc\uc791<\/strong>\ud560 \uc218 \uc788\ub2f5\ub2c8\ub2e4. Loaning.ai\uc640 \ud568\uaed8\ub77c\uba74 \ub354 \uc720\uc5f0\ud55c \uc870\uac74\uc73c\ub85c \uafc8\uc5d0 \uadf8\ub9ac\ub358 \uc9d1\uc744 \ub9cc\ub0a0 \uae30\ud68c\uac00 \ub9ce\uc544\uc838\uc694!<\/p>\n\n\n\n<p id=\"SE-1b3b34f0-90ff-463c-80ad-474a061bf17e\"><\/p>\n\n\n\n<p id=\"SE-9fb95f20-ef66-41ed-8036-bd79cd0066c3\">\uc544\ub798\ub294 Loaning.ai\uac00 \uc81c\uacf5\ud558\ub294 \ub300\ucd9c \uc0c1\ud488\uc774\uc5d0\uc694!<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"623\" src=\"https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/03\/\ud654\uba74-\ucea1\ucc98-2025-03-13-104854-1024x623.jpg\" alt=\"\ubaa8\uae30\uc9c0 \uc885\ub958 \ube44\uad50\" class=\"wp-image-7180\" srcset=\"https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/03\/\ud654\uba74-\ucea1\ucc98-2025-03-13-104854-1024x623.jpg 1024w, https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/03\/\ud654\uba74-\ucea1\ucc98-2025-03-13-104854-300x182.jpg 300w, https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/03\/\ud654\uba74-\ucea1\ucc98-2025-03-13-104854-768x467.jpg 768w, https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/03\/\ud654\uba74-\ucea1\ucc98-2025-03-13-104854-750x456.jpg 750w, https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/03\/\ud654\uba74-\ucea1\ucc98-2025-03-13-104854-1140x693.jpg 1140w, https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/03\/\ud654\uba74-\ucea1\ucc98-2025-03-13-104854.jpg 1179w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p>*<em>\uce74\uc6b4\ud2f0\ubcc4\ub85c \uae08\uc561\uc774 \ub2ec\ub77c\uc9c8 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/em><\/p>\n\n\n\n<p><br>\uc5ec\ub7ec\ubd84\uc774 \ub300\ucd9c \uc0c1\ud488\uc744 \ud558\ub098\ud558\ub098 \ube44\uad50\ud558\uc9c0 \uc54a\uc544\ub3c4, Loaning.ai\uc5d0\uc11c\ub294 \uc2e0\uc6a9 \uc810\uc218\uc640 \uc18c\ub4dd \uc870\uac74\uc5d0 \ub9de\ub294 \ucd5c\uc801\uc758 \ub300\ucd9c\uc744 \ucd94\ucc9c\ud574\uc90d\ub2c8\ub2e4!<\/p>\n\n\n\n<p><br><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-\ubbf8\uad6d-\uc9d1-\uc0ac\uae30-loaning-ai-\uc640-\uc2dc\uc791\ud574\ubcf4\uc138\uc694\"><strong>\ubbf8\uad6d \uc9d1 \uc0ac\uae30,<a href=\"https:\/\/loaning.ai\/ko?utm_source=blog_official&amp;utm_medium=loaning_kr&amp;utm_campaign=firsthomebuying&amp;utm_content=firsthomebuying6_kr\"> Loaning.ai<\/a>\uc640 \uc2dc\uc791\ud574\ubcf4\uc138\uc694!<\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"738\" src=\"https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/03\/250312_homebuyguide_4view4-3-1024x738.png\" alt=\"\ubaa8\uae30\uc9c0 \uc885\ub958 \ube44\uad50\" class=\"wp-image-7159\" srcset=\"https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/03\/250312_homebuyguide_4view4-3-1024x738.png 1024w, https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/03\/250312_homebuyguide_4view4-3-300x216.png 300w, https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/03\/250312_homebuyguide_4view4-3-768x553.png 768w, https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/03\/250312_homebuyguide_4view4-3-1536x1107.png 1536w, https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/03\/250312_homebuyguide_4view4-3-120x86.png 120w, https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/03\/250312_homebuyguide_4view4-3-750x540.png 750w, https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/03\/250312_homebuyguide_4view4-3-1140x821.png 1140w, https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/03\/250312_homebuyguide_4view4-3.png 2040w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p><a href=\"https:\/\/loaning.ai\/ko\/homebuying-guide\/check-your-affordability?utm_source=blog_official&amp;utm_medium=loaning_kr&amp;utm_campaign=firsthomebuying&amp;utm_content=firsthomebuying6_kr\">Loaning.ai<\/a>\uc5d0\uc11c\ub294 <strong>\ud55c\uad6d\uc5b4\ub85c \ud55c\uad6d\uc778 \uc0c1\ub2f4\uc6d0\uacfc 1:1 \uc0c1\ub2f4<\/strong>\uc774 \uac00\ub2a5\ud574\uc694. \ub354 \uad81\uae08\ud55c \uc810\uc774 \uc788\uac70\ub098 \uc0c1\ub2f4\ud558\uace0 \uc2f6\uc740 \ubd80\ubd84\uc740 <strong>\uc6f9\uc0ac\uc774\ud2b8 \ud558\ub2e8 \ucc44\ud305 \ubc84\ud2bc<\/strong>\uc744 \ub204\ub974\uac70\ub098, <strong>\uce74\uce74\uc624\ud1a1 \ucc44\ub110\ub85c \ubb38\uc758 \uc8fc\uc138\uc694!<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><a href=\"https:\/\/loaning.ai\/ko?utm_source=blog_official&amp;utm_medium=loaning_kr&amp;utm_campaign=firsthomebuying&amp;utm_content=firsthomebuying6_kr\"><img loading=\"lazy\" decoding=\"async\" width=\"741\" height=\"159\" src=\"https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/03\/Frame-1376-3.png\" alt=\"\ubbf8\uad6d \uc9d1 \uc0ac\uae30\" class=\"wp-image-7160\" srcset=\"https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/03\/Frame-1376-3.png 741w, https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/03\/Frame-1376-3-300x64.png 300w\" sizes=\"auto, (max-width: 741px) 100vw, 741px\" \/><\/a><\/figure>\n\n\n\n<p>Loaning.ai \ube14\ub85c\uadf8\ub294 \uc55e\uc73c\ub85c\ub3c4 \uc5ec\ub7ec\ubd84\uacfc \ubbf8\uad6d \uc9d1 \uad6c\ud558\uae30 \uc5ec\uc815\uc744 \ud568\uaed8 \ud558\uba70 \uc5ec\ub7ec\ubd84\ub4e4\uc758 \uace0\ubbfc\uc744 \ud574\uacb0\ud574\ub4dc\ub9ac\uaca0\uc2b5\ub2c8\ub2e4. <\/p>\n\n\n\n<p>\ub2e4\uc74c \ud3b8 \ubcf4\ub7ec \uac00\uae30 -&gt;<\/p>\n\n\n\n<figure class=\"wp-block-embed is-type-wp-embed is-provider-30-ai wp-block-embed-30-ai\"><div class=\"wp-block-embed__wrapper\">\n<blockquote class=\"wp-embedded-content\" data-secret=\"uc46jBIY4b\"><a href=\"https:\/\/blog.loaning.ai\/ko\/7230\/\">\ubbf8\uad6d \uc9d1 \uc0ac\uc804\uc2b9\uc778, \uc740\ud589 \ubc29\ubb38 \uc5c6\uc774 \ubaa8\ubc14\uc77c\ub85c \uc27d\uace0 \ube60\ub974\uac8c \ubc1b\ub294 \ubc29\ubc95 &#8211;  \ubbf8\uad6d \uc9d1 \uc0ac\uae30 \u2466<\/a><\/blockquote><iframe loading=\"lazy\" class=\"wp-embedded-content\" sandbox=\"allow-scripts\" security=\"restricted\" style=\"position: absolute; visibility: hidden;\" title=\"&#8220;\ubbf8\uad6d \uc9d1 \uc0ac\uc804\uc2b9\uc778, \uc740\ud589 \ubc29\ubb38 \uc5c6\uc774 \ubaa8\ubc14\uc77c\ub85c \uc27d\uace0 \ube60\ub974\uac8c \ubc1b\ub294 \ubc29\ubc95 &#8211;  \ubbf8\uad6d \uc9d1 \uc0ac\uae30 \u2466&#8221; &#8212; \ubbf8\uad6d 30\ub144 \ubaa8\uae30\uc9c0 \uae08\ub9ac | \ub85c\ub2ddAI \ube14\ub85c\uadf8\" src=\"https:\/\/blog.loaning.ai\/ko\/7230\/embed\/#?secret=Ifs3HVSFMB#?secret=uc46jBIY4b\" data-secret=\"uc46jBIY4b\" width=\"500\" height=\"282\" frameborder=\"0\" marginwidth=\"0\" marginheight=\"0\" scrolling=\"no\"><\/iframe>\n<\/div><\/figure>\n","protected":false},"excerpt":{"rendered":"<p>\ubbf8\uad6d \ubaa8\uae30\uc9c0 \uc885\ub958\ub294 \ud06c\uac8c QM\ub300\ucd9c\uacfc Non-QM\ub300\ucd9c\ub85c \ub098\ub269\ub2c8\ub2e4. QM\ub300\ucd9c\uc740 \uc815\ubd80 \uaddc\uc815\uc744 \uc900\uc218\ud558\ub294 \ub300\ucd9c\ub85c, \uc548\uc815\uc801\uc778 \uc18c\ub4dd\uacfc \ubd80\ucc44 \ube44\uc728\uc774 43% \uc774\ud558\uc778 \uc0ac\ub78c\uc5d0\uac8c \uc801\ud569\ud569\ub2c8\ub2e4. QM\ub300\ucd9c\uc758 \uc885\ub958\ub85c\ub294 \ucee8\ud3ec\ubc0d \ub860, FHA\ub860, VA\ub860, \uc810\ubcf4\ub860\uc774 \uc788\uc5b4\uc694. Non-QM\ub300\ucd9c\uc740 QM\ub300\ucd9c\ubcf4\ub2e4 \uaddc\uc81c\uac00 \ub35c\ud55c \ub300\ucd9c\ub85c, \uc790\uc601\uc5c5\uc790\ub098 \uc18c\ub4dd \uc99d\uba85\uc774 \uc5b4\ub824\uc6b4 \uc0ac\ub78c\ub4e4\uc5d0\uac8c \uc720\ub9ac\ud55c \ub300\uc2e0 \uc774\uc790\uc728\uc774 \ub192\ub2e4\ub294 \ub2e8\uc810\uc774 \uc788\uc2b5\ub2c8\ub2e4. NoN-QM\ub300\ucd9c\uc5d0\ub294 Bank Statement Loan, DSCR, \uc678\uad6d\uc778 \ub300\ucd9c \ub4f1\uc774 \uc788\uc2b5\ub2c8\ub2e4. \uc774\uc911\uc5d0\uc11c \ub098\uc5d0\uac8c [&hellip;]<\/p>\n","protected":false},"author":6,"featured_media":7163,"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":[83],"tags":[],"class_list":["post-7156","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-83"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.3 (Yoast SEO v27.4) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>\ubaa8\uae30\uc9c0 \uc885\ub958 \ube44\uad50: FHA, \ucee8\ud3ec\ubc0d, Non-QM \ucc28\uc774 - \ub85c\ub2ddAi\ube14\ub85c\uadf8<\/title>\n<meta name=\"description\" content=\"\ubbf8\uad6d \uc9d1 \uc0ac\uae30 \uc2dc\ub9ac\uc988\uc758 6\ubc88\uc9f8 \uae00\uc740 \ubaa8\uae30\uc9c0 \ub300\ucd9c(\ubaa8\uae30\uc9c0 \ub860)\uc5d0 \uad00\ud55c \uc774\uc57c\uae30\uc785\ub2c8\ub2e4. \uc8fc\ud0dd \uad6c\ub9e4\uc5d0\ub294 \ub098\uc5d0\uac8c \ub9de\ub294 \ub300\ucd9c \uc635\uc158\uc744 \ud30c\uc545\ud558\ub294 \uac8c \uc911\uc694\ud569\ub2c8\ub2e4. \ub530\ub77c\uc11c \ub098\uc5d0\uac8c \ub9de\ub294 \uc8fc\ud0dd \ubaa8\uae30\uc9c0 \ub860(FHA \ub300\ucd9c? Conforming?)\uc740 \ubb34\uc5c7\uc77c\uc9c0 \uc54c\uc544\ubcf4\uc138\uc694!\" \/>\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\/7156\/\" \/>\n<meta property=\"og:locale\" content=\"ko_KR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\ubbf8\uad6d \ubaa8\uae30\uc9c0 \uc885\ub958 \ube44\uad50: FHA, \ucee8\ud3ec\ubc0d, Non-QM \ucc28\uc774 \ud55c\ub208\uc5d0 \ubcf4\uae30 - \ubbf8\uad6d \uc9d1 \uc0ac\uae30 \u2465\" \/>\n<meta property=\"og:description\" content=\"\ubbf8\uad6d \uc9d1 \uc0ac\uae30 \uc2dc\ub9ac\uc988\uc758 6\ubc88\uc9f8 \uae00\uc740 \ubaa8\uae30\uc9c0 \ub300\ucd9c(\ubaa8\uae30\uc9c0 \ub860)\uc5d0 \uad00\ud55c \uc774\uc57c\uae30\uc785\ub2c8\ub2e4. \uc8fc\ud0dd \uad6c\ub9e4\uc5d0\ub294 \ub098\uc5d0\uac8c \ub9de\ub294 \ub300\ucd9c \uc635\uc158\uc744 \ud30c\uc545\ud558\ub294 \uac8c \uc911\uc694\ud569\ub2c8\ub2e4. \ub530\ub77c\uc11c \ub098\uc5d0\uac8c \ub9de\ub294 \uc8fc\ud0dd \ubaa8\uae30\uc9c0 \ub860(FHA \ub300\ucd9c? Conforming?)\uc740 \ubb34\uc5c7\uc77c\uc9c0 \uc54c\uc544\ubcf4\uc138\uc694!\" \/>\n<meta property=\"og:url\" content=\"https:\/\/blog.loaning.ai\/ko\/7156\/\" \/>\n<meta property=\"og:site_name\" content=\"\ubbf8\uad6d 30\ub144 \ubaa8\uae30\uc9c0 \uae08\ub9ac | \ub85c\ub2ddAI \ube14\ub85c\uadf8\" \/>\n<meta property=\"article:published_time\" content=\"2025-03-14T08:55:51+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-03-17T09:59:14+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/03\/250314_homebuyguide_6.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1020\" \/>\n\t<meta property=\"og:image:height\" content=\"735\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"dwlee\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"\uae00\uc4f4\uc774\" \/>\n\t<meta name=\"twitter:data1\" content=\"dwlee\" \/>\n\t<meta name=\"twitter:label2\" content=\"\uc608\uc0c1 \ub418\ub294 \ud310\ub3c5 \uc2dc\uac04\" \/>\n\t<meta name=\"twitter:data2\" content=\"9\ubd84\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/blog.loaning.ai\\\/ko\\\/7156\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/blog.loaning.ai\\\/ko\\\/7156\\\/\"},\"author\":{\"name\":\"dwlee\",\"@id\":\"https:\\\/\\\/blog.loaning.ai\\\/ko\\\/#\\\/schema\\\/person\\\/142a1326a9b3c62452888d2aa1a427c5\"},\"headline\":\"\ubbf8\uad6d \ubaa8\uae30\uc9c0 \uc885\ub958 \ube44\uad50: FHA, \ucee8\ud3ec\ubc0d, Non-QM \ucc28\uc774 \ud55c\ub208\uc5d0 \ubcf4\uae30 &#8211; \ubbf8\uad6d \uc9d1 \uc0ac\uae30 \u2465\",\"datePublished\":\"2025-03-14T08:55:51+00:00\",\"dateModified\":\"2026-03-17T09:59:14+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/blog.loaning.ai\\\/ko\\\/7156\\\/\"},\"wordCount\":175,\"publisher\":{\"@id\":\"https:\\\/\\\/blog.loaning.ai\\\/ko\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/blog.loaning.ai\\\/ko\\\/7156\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/blog.loaning.ai\\\/ko\\\/wp-content\\\/uploads\\\/2025\\\/03\\\/250314_homebuyguide_6.png\",\"articleSection\":[\"\ubbf8\uad6d \ubd80\ub3d9\uc0b0 \uac00\uc774\ub4dc\"],\"inLanguage\":\"ko-KR\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/blog.loaning.ai\\\/ko\\\/7156\\\/\",\"url\":\"https:\\\/\\\/blog.loaning.ai\\\/ko\\\/7156\\\/\",\"name\":\"\ubaa8\uae30\uc9c0 \uc885\ub958 \ube44\uad50: FHA, \ucee8\ud3ec\ubc0d, Non-QM \ucc28\uc774 - \ub85c\ub2ddAi\ube14\ub85c\uadf8\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/blog.loaning.ai\\\/ko\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/blog.loaning.ai\\\/ko\\\/7156\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/blog.loaning.ai\\\/ko\\\/7156\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/blog.loaning.ai\\\/ko\\\/wp-content\\\/uploads\\\/2025\\\/03\\\/250314_homebuyguide_6.png\",\"datePublished\":\"2025-03-14T08:55:51+00:00\",\"dateModified\":\"2026-03-17T09:59:14+00:00\",\"description\":\"\ubbf8\uad6d \uc9d1 \uc0ac\uae30 \uc2dc\ub9ac\uc988\uc758 6\ubc88\uc9f8 \uae00\uc740 \ubaa8\uae30\uc9c0 \ub300\ucd9c(\ubaa8\uae30\uc9c0 \ub860)\uc5d0 \uad00\ud55c \uc774\uc57c\uae30\uc785\ub2c8\ub2e4. \uc8fc\ud0dd \uad6c\ub9e4\uc5d0\ub294 \ub098\uc5d0\uac8c \ub9de\ub294 \ub300\ucd9c \uc635\uc158\uc744 \ud30c\uc545\ud558\ub294 \uac8c \uc911\uc694\ud569\ub2c8\ub2e4. \ub530\ub77c\uc11c \ub098\uc5d0\uac8c \ub9de\ub294 \uc8fc\ud0dd \ubaa8\uae30\uc9c0 \ub860(FHA \ub300\ucd9c? Conforming?)\uc740 \ubb34\uc5c7\uc77c\uc9c0 \uc54c\uc544\ubcf4\uc138\uc694!\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/blog.loaning.ai\\\/ko\\\/7156\\\/#breadcrumb\"},\"inLanguage\":\"ko-KR\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/blog.loaning.ai\\\/ko\\\/7156\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"ko-KR\",\"@id\":\"https:\\\/\\\/blog.loaning.ai\\\/ko\\\/7156\\\/#primaryimage\",\"url\":\"https:\\\/\\\/blog.loaning.ai\\\/ko\\\/wp-content\\\/uploads\\\/2025\\\/03\\\/250314_homebuyguide_6.png\",\"contentUrl\":\"https:\\\/\\\/blog.loaning.ai\\\/ko\\\/wp-content\\\/uploads\\\/2025\\\/03\\\/250314_homebuyguide_6.png\",\"width\":1020,\"height\":735,\"caption\":\"\ubaa8\uae30\uc9c0 \uc885\ub958 \ube44\uad50\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/blog.loaning.ai\\\/ko\\\/7156\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/blog.loaning.ai\\\/ko\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"\ubbf8\uad6d \ubaa8\uae30\uc9c0 \uc885\ub958 \ube44\uad50: FHA, \ucee8\ud3ec\ubc0d, Non-QM \ucc28\uc774 \ud55c\ub208\uc5d0 \ubcf4\uae30 &#8211; \ubbf8\uad6d \uc9d1 \uc0ac\uae30 \u2465\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/blog.loaning.ai\\\/ko\\\/#website\",\"url\":\"https:\\\/\\\/blog.loaning.ai\\\/ko\\\/\",\"name\":\"30 year mortgage rates | LoaningAI Blog\",\"description\":\"Compare 30 year mortgage rates in US\",\"publisher\":{\"@id\":\"https:\\\/\\\/blog.loaning.ai\\\/ko\\\/#organization\"},\"alternateName\":\"Compare 30 year mortgage rates today in US\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/blog.loaning.ai\\\/ko\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"ko-KR\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/blog.loaning.ai\\\/ko\\\/#organization\",\"name\":\"30 year mortgage rates | LoaningAI Blog\",\"alternateName\":\"Compare 30 year mortgage rates in US\",\"url\":\"https:\\\/\\\/blog.loaning.ai\\\/ko\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"ko-KR\",\"@id\":\"https:\\\/\\\/blog.loaning.ai\\\/ko\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/blog.loaning.ai\\\/ko\\\/wp-content\\\/uploads\\\/2023\\\/06\\\/logo-loaning-ai-blog-light.png\",\"contentUrl\":\"https:\\\/\\\/blog.loaning.ai\\\/ko\\\/wp-content\\\/uploads\\\/2023\\\/06\\\/logo-loaning-ai-blog-light.png\",\"width\":574,\"height\":130,\"caption\":\"30 year mortgage rates | LoaningAI Blog\"},\"image\":{\"@id\":\"https:\\\/\\\/blog.loaning.ai\\\/ko\\\/#\\\/schema\\\/logo\\\/image\\\/\"}},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/blog.loaning.ai\\\/ko\\\/#\\\/schema\\\/person\\\/142a1326a9b3c62452888d2aa1a427c5\",\"name\":\"dwlee\"}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"\ubaa8\uae30\uc9c0 \uc885\ub958 \ube44\uad50: FHA, \ucee8\ud3ec\ubc0d, Non-QM \ucc28\uc774 - \ub85c\ub2ddAi\ube14\ub85c\uadf8","description":"\ubbf8\uad6d \uc9d1 \uc0ac\uae30 \uc2dc\ub9ac\uc988\uc758 6\ubc88\uc9f8 \uae00\uc740 \ubaa8\uae30\uc9c0 \ub300\ucd9c(\ubaa8\uae30\uc9c0 \ub860)\uc5d0 \uad00\ud55c \uc774\uc57c\uae30\uc785\ub2c8\ub2e4. \uc8fc\ud0dd \uad6c\ub9e4\uc5d0\ub294 \ub098\uc5d0\uac8c \ub9de\ub294 \ub300\ucd9c \uc635\uc158\uc744 \ud30c\uc545\ud558\ub294 \uac8c \uc911\uc694\ud569\ub2c8\ub2e4. \ub530\ub77c\uc11c \ub098\uc5d0\uac8c \ub9de\ub294 \uc8fc\ud0dd \ubaa8\uae30\uc9c0 \ub860(FHA \ub300\ucd9c? Conforming?)\uc740 \ubb34\uc5c7\uc77c\uc9c0 \uc54c\uc544\ubcf4\uc138\uc694!","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/blog.loaning.ai\/ko\/7156\/","og_locale":"ko_KR","og_type":"article","og_title":"\ubbf8\uad6d \ubaa8\uae30\uc9c0 \uc885\ub958 \ube44\uad50: FHA, \ucee8\ud3ec\ubc0d, Non-QM \ucc28\uc774 \ud55c\ub208\uc5d0 \ubcf4\uae30 - \ubbf8\uad6d \uc9d1 \uc0ac\uae30 \u2465","og_description":"\ubbf8\uad6d \uc9d1 \uc0ac\uae30 \uc2dc\ub9ac\uc988\uc758 6\ubc88\uc9f8 \uae00\uc740 \ubaa8\uae30\uc9c0 \ub300\ucd9c(\ubaa8\uae30\uc9c0 \ub860)\uc5d0 \uad00\ud55c \uc774\uc57c\uae30\uc785\ub2c8\ub2e4. \uc8fc\ud0dd \uad6c\ub9e4\uc5d0\ub294 \ub098\uc5d0\uac8c \ub9de\ub294 \ub300\ucd9c \uc635\uc158\uc744 \ud30c\uc545\ud558\ub294 \uac8c \uc911\uc694\ud569\ub2c8\ub2e4. \ub530\ub77c\uc11c \ub098\uc5d0\uac8c \ub9de\ub294 \uc8fc\ud0dd \ubaa8\uae30\uc9c0 \ub860(FHA \ub300\ucd9c? Conforming?)\uc740 \ubb34\uc5c7\uc77c\uc9c0 \uc54c\uc544\ubcf4\uc138\uc694!","og_url":"https:\/\/blog.loaning.ai\/ko\/7156\/","og_site_name":"\ubbf8\uad6d 30\ub144 \ubaa8\uae30\uc9c0 \uae08\ub9ac | \ub85c\ub2ddAI \ube14\ub85c\uadf8","article_published_time":"2025-03-14T08:55:51+00:00","article_modified_time":"2026-03-17T09:59:14+00:00","og_image":[{"width":1020,"height":735,"url":"https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/03\/250314_homebuyguide_6.png","type":"image\/png"}],"author":"dwlee","twitter_card":"summary_large_image","twitter_misc":{"\uae00\uc4f4\uc774":"dwlee","\uc608\uc0c1 \ub418\ub294 \ud310\ub3c5 \uc2dc\uac04":"9\ubd84"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/blog.loaning.ai\/ko\/7156\/#article","isPartOf":{"@id":"https:\/\/blog.loaning.ai\/ko\/7156\/"},"author":{"name":"dwlee","@id":"https:\/\/blog.loaning.ai\/ko\/#\/schema\/person\/142a1326a9b3c62452888d2aa1a427c5"},"headline":"\ubbf8\uad6d \ubaa8\uae30\uc9c0 \uc885\ub958 \ube44\uad50: FHA, \ucee8\ud3ec\ubc0d, Non-QM \ucc28\uc774 \ud55c\ub208\uc5d0 \ubcf4\uae30 &#8211; \ubbf8\uad6d \uc9d1 \uc0ac\uae30 \u2465","datePublished":"2025-03-14T08:55:51+00:00","dateModified":"2026-03-17T09:59:14+00:00","mainEntityOfPage":{"@id":"https:\/\/blog.loaning.ai\/ko\/7156\/"},"wordCount":175,"publisher":{"@id":"https:\/\/blog.loaning.ai\/ko\/#organization"},"image":{"@id":"https:\/\/blog.loaning.ai\/ko\/7156\/#primaryimage"},"thumbnailUrl":"https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/03\/250314_homebuyguide_6.png","articleSection":["\ubbf8\uad6d \ubd80\ub3d9\uc0b0 \uac00\uc774\ub4dc"],"inLanguage":"ko-KR"},{"@type":"WebPage","@id":"https:\/\/blog.loaning.ai\/ko\/7156\/","url":"https:\/\/blog.loaning.ai\/ko\/7156\/","name":"\ubaa8\uae30\uc9c0 \uc885\ub958 \ube44\uad50: FHA, \ucee8\ud3ec\ubc0d, Non-QM \ucc28\uc774 - \ub85c\ub2ddAi\ube14\ub85c\uadf8","isPartOf":{"@id":"https:\/\/blog.loaning.ai\/ko\/#website"},"primaryImageOfPage":{"@id":"https:\/\/blog.loaning.ai\/ko\/7156\/#primaryimage"},"image":{"@id":"https:\/\/blog.loaning.ai\/ko\/7156\/#primaryimage"},"thumbnailUrl":"https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/03\/250314_homebuyguide_6.png","datePublished":"2025-03-14T08:55:51+00:00","dateModified":"2026-03-17T09:59:14+00:00","description":"\ubbf8\uad6d \uc9d1 \uc0ac\uae30 \uc2dc\ub9ac\uc988\uc758 6\ubc88\uc9f8 \uae00\uc740 \ubaa8\uae30\uc9c0 \ub300\ucd9c(\ubaa8\uae30\uc9c0 \ub860)\uc5d0 \uad00\ud55c \uc774\uc57c\uae30\uc785\ub2c8\ub2e4. \uc8fc\ud0dd \uad6c\ub9e4\uc5d0\ub294 \ub098\uc5d0\uac8c \ub9de\ub294 \ub300\ucd9c \uc635\uc158\uc744 \ud30c\uc545\ud558\ub294 \uac8c \uc911\uc694\ud569\ub2c8\ub2e4. \ub530\ub77c\uc11c \ub098\uc5d0\uac8c \ub9de\ub294 \uc8fc\ud0dd \ubaa8\uae30\uc9c0 \ub860(FHA \ub300\ucd9c? Conforming?)\uc740 \ubb34\uc5c7\uc77c\uc9c0 \uc54c\uc544\ubcf4\uc138\uc694!","breadcrumb":{"@id":"https:\/\/blog.loaning.ai\/ko\/7156\/#breadcrumb"},"inLanguage":"ko-KR","potentialAction":[{"@type":"ReadAction","target":["https:\/\/blog.loaning.ai\/ko\/7156\/"]}]},{"@type":"ImageObject","inLanguage":"ko-KR","@id":"https:\/\/blog.loaning.ai\/ko\/7156\/#primaryimage","url":"https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/03\/250314_homebuyguide_6.png","contentUrl":"https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/03\/250314_homebuyguide_6.png","width":1020,"height":735,"caption":"\ubaa8\uae30\uc9c0 \uc885\ub958 \ube44\uad50"},{"@type":"BreadcrumbList","@id":"https:\/\/blog.loaning.ai\/ko\/7156\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/blog.loaning.ai\/ko\/"},{"@type":"ListItem","position":2,"name":"\ubbf8\uad6d \ubaa8\uae30\uc9c0 \uc885\ub958 \ube44\uad50: FHA, \ucee8\ud3ec\ubc0d, Non-QM \ucc28\uc774 \ud55c\ub208\uc5d0 \ubcf4\uae30 &#8211; \ubbf8\uad6d \uc9d1 \uc0ac\uae30 \u2465"}]},{"@type":"WebSite","@id":"https:\/\/blog.loaning.ai\/ko\/#website","url":"https:\/\/blog.loaning.ai\/ko\/","name":"30 year mortgage rates | LoaningAI Blog","description":"Compare 30 year mortgage rates in US","publisher":{"@id":"https:\/\/blog.loaning.ai\/ko\/#organization"},"alternateName":"Compare 30 year mortgage rates today in US","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/blog.loaning.ai\/ko\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"ko-KR"},{"@type":"Organization","@id":"https:\/\/blog.loaning.ai\/ko\/#organization","name":"30 year mortgage rates | LoaningAI Blog","alternateName":"Compare 30 year mortgage rates in US","url":"https:\/\/blog.loaning.ai\/ko\/","logo":{"@type":"ImageObject","inLanguage":"ko-KR","@id":"https:\/\/blog.loaning.ai\/ko\/#\/schema\/logo\/image\/","url":"https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2023\/06\/logo-loaning-ai-blog-light.png","contentUrl":"https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2023\/06\/logo-loaning-ai-blog-light.png","width":574,"height":130,"caption":"30 year mortgage rates | LoaningAI Blog"},"image":{"@id":"https:\/\/blog.loaning.ai\/ko\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/blog.loaning.ai\/ko\/#\/schema\/person\/142a1326a9b3c62452888d2aa1a427c5","name":"dwlee"}]}},"views":27,"_links":{"self":[{"href":"https:\/\/blog.loaning.ai\/ko\/wp-json\/wp\/v2\/posts\/7156","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/blog.loaning.ai\/ko\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/blog.loaning.ai\/ko\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/blog.loaning.ai\/ko\/wp-json\/wp\/v2\/users\/6"}],"replies":[{"embeddable":true,"href":"https:\/\/blog.loaning.ai\/ko\/wp-json\/wp\/v2\/comments?post=7156"}],"version-history":[{"count":2,"href":"https:\/\/blog.loaning.ai\/ko\/wp-json\/wp\/v2\/posts\/7156\/revisions"}],"predecessor-version":[{"id":9318,"href":"https:\/\/blog.loaning.ai\/ko\/wp-json\/wp\/v2\/posts\/7156\/revisions\/9318"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/blog.loaning.ai\/ko\/wp-json\/wp\/v2\/media\/7163"}],"wp:attachment":[{"href":"https:\/\/blog.loaning.ai\/ko\/wp-json\/wp\/v2\/media?parent=7156"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/blog.loaning.ai\/ko\/wp-json\/wp\/v2\/categories?post=7156"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/blog.loaning.ai\/ko\/wp-json\/wp\/v2\/tags?post=7156"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}