{"id":9334,"date":"2025-05-20T14:46:53","date_gmt":"2025-05-20T05:46:53","guid":{"rendered":"https:\/\/blog.loaning.ai\/ko\/?p=9334"},"modified":"2026-03-17T18:54:04","modified_gmt":"2026-03-17T09:54:04","slug":"%eb%af%b8%ea%b5%ad-non-qm%eb%8c%80%ec%b6%9c%ec%9d%b4%eb%9e%80-%ed%95%9c%ea%b5%ad%ec%9d%b8%eb%8f%84-%eb%b0%9b%ec%9d%84-%ec%88%98-%ec%9e%88%eb%8a%94-%eb%af%b8%ea%b5%ad-%eb%aa%a8%ea%b8%b0%ec%a7%80","status":"publish","type":"post","link":"https:\/\/blog.loaning.ai\/ko\/9334\/","title":{"rendered":"\ubbf8\uad6d Non-QM\ub300\ucd9c\uc774\ub780? \ud55c\uad6d\uc778\ub3c4 \ubc1b\uc744 \uc218 \uc788\ub294 \ubbf8\uad6d \ubaa8\uae30\uc9c0 \uc870\uac74 \uc815\ub9ac"},"content":{"rendered":"\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1020\" height=\"735\" src=\"https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/05\/250520_USAwiki_non-qm_th.png\" alt=\"\" class=\"wp-image-9335\" srcset=\"https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/05\/250520_USAwiki_non-qm_th.png 1020w, https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/05\/250520_USAwiki_non-qm_th-300x216.png 300w, https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/05\/250520_USAwiki_non-qm_th-768x553.png 768w, https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/05\/250520_USAwiki_non-qm_th-120x86.png 120w, https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/05\/250520_USAwiki_non-qm_th-750x540.png 750w\" sizes=\"auto, (max-width: 1020px) 100vw, 1020px\" \/><\/figure>\n\n\n\n<meta charset=\"UTF-8\">\n<meta name=\"viewport\" content=\"width=device-width, initial-scale=1.0\">\n<!-- Pretendard \uc6f9\ud3f0\ud2b8 \ucd94\uac00 -->\n<link rel=\"stylesheet\" href=\"https:\/\/cdn.jsdelivr.net\/gh\/orioncactus\/pretendard\/dist\/web\/static\/pretendard.css\">\n<style>\n    body {\n        font-family: 'Pretendard', sans-serif;\n        margin: 0;\n        padding: 0;\n    }\n<\/style>\n\n\n\n<h1 class=\"wp-block-heading\"><strong>\ubbf8\uad6d Non-QM\ub300\ucd9c\uc774\ub780 \ubb34\uc5c7\uc778\uac00\uc694?<\/strong><\/h1>\n\n\n\n<div class=\"wp-block-group signal-example-box\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n\n<div class=\"wp-block-group signal-example-box\" style=\"background-color:#f1f9f5;padding-top:16px;padding-bottom:16px;padding-left:16px;padding-right:16px;border-radius:6px\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n  \n  <p>\ud83d\udca1 <strong>\ubbf8\uad6d Non-QM\ub300\ucd9c<\/strong>\uc740 \uc804\ud1b5\uc801\uc778 \uc790\uaca9 \uc694\uac74(QM: Qualified Mortgage)\uc744 \ucda9\uc871\ud558\uc9c0 \ubabb\ud574\ub3c4 \uc2b9\uc778 \uac00\ub2a5\ud55c <strong>\ube44\uc801\uaca9 \uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c<\/strong>\uc785\ub2c8\ub2e4. \uc989, \uc815\uaddc \uae09\uc5ec\ub97c \ubc1b\uc9c0 \uc54a\uac70\ub098, \ubbf8\uad6d \uc138\uae08 \uc2e0\uace0 \ub0b4\uc5ed\uc774 \ubd80\uc871\ud558\uac70\ub098, <strong>\ubbf8\uad6d \uc2e0\uc6a9\uc774 \uc5c6\ub294 \uc678\uad6d\uc778<\/strong>\ub3c4 \uc870\uac74\ub9cc \ub9de\uc73c\uba74 \ub300\ucd9c\uc774 \uac00\ub2a5\ud569\ub2c8\ub2e4. Non-QM \ub300\ucd9c\uc740 \uc18c\ub4dd \uc99d\ube59 \ubc29\ubc95\uc774 \ub2e4\uc591\ud558\uace0 \uc2b9\uc778 \uae30\uc900\uc774 \ub354 \uc720\uc5f0\ud558\ub2e4\ub294 \ud2b9\uc9d5\uc774 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n  \n<\/div><\/div>\n\n\n<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><br><br><strong>Non-QM \ub300\ucd9c\uc744 \ubaa8\ub974\uba74 \uc0dd\uae30\ub294 \ubb38\uc81c<\/strong><\/h2>\n\n\n\n<p>\u201cFHA\ub300\ucd9c\uc740 \uc774\uc81c \uc2dc\ubbfc\uad8c\uc790\ub791 \uc601\uc8fc\uad8c\uc790\ub9cc \ub300\ucd9c \ubc1b\uc744 \uc218 \uc788\ub2e4\ub358\ub370\u2026 \uadf8\ub7fc \ube44\uc601\uc8fc\uad8c\uc790\ub294 \ubbf8\uad6d\uc5d0\uc11c \uc9d1 \uc5b4\ub5bb\uac8c \uc0ac\uc8e0?\u201d<br>\uc774\ub7f0 \uace0\ubbfc \ud574\ubcf4\uc168\ub2e4\uba74 Non-QM\ub300\ucd9c\uc744 \ubaa8\ub974\uace0 \uacc4\uc168\uc744 \uac00\ub2a5\uc131\uc774 \ud07d\ub2c8\ub2e4.<br>\ubbf8\uad6d \ubaa8\uae30\uc9c0\uc758 \uc77c\ubc18\uc801\uc778 \ub300\ucd9c\uc778 QM\ub300\ucd9c(Conventional, FHA \ub4f1)\uc740 \uc2dc\ubbfc\uad8c\uc790 \ub610\ub294 \uc601\uc8fc\uad8c\uc790, \uc815\uaddc \uc18c\ub4dd \uc785\uc99d\uc774 \uac00\ub2a5\ud55c \uc0ac\ub78c\uc5d0\uac8c \uc801\ud569\ud574\uc11c<br>\uc774\ub7f0 \ubd84\ub4e4\uc774 \ub300\ucd9c \uac70\uc808\ub418\uae30 \uc26c\uc6cc\uc694.<\/p>\n\n\n\n<div class=\"wp-block-group signal-example-box\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n\n<div class=\"wp-block-group signal-example-box\" style=\"background-color:#f8f8f8;padding-top:16px;padding-bottom:16px;padding-left:16px;padding-right:16px;border-radius:6px\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n  \n  <p>\u26a0\ufe0f <strong>\ud55c\uad6d\uc778 \ud22c\uc790\uc790\ub098 \uc678\uad6d \uad6d\uc801 \ubcf4\uc720\uc790<\/strong><br>\n\u2192 FHA\ub098 Conventional \ub300\ucd9c\uc740 \uc2dc\ubbfc\uad8c\uc790, \uc601\uc8fc\uad8c\uc790\ub9cc \uac00\ub2a5\ud574\uc694<\/p>\n  \n\n  \n  <p><strong>\uc790\uc601\uc5c5\uc790, \ud504\ub9ac\ub79c\uc11c<\/strong><br>\n\u2192 \uc138\uae08 \uc2e0\uace0 \uc18c\ub4dd\uc774 \ub0ae\uac70\ub098 \uc18c\ub4dd \uad6c\uc870\uac00 \ubcf5\uc7a1\ud574 \uc77c\ubc18\uc801\uc778 \ub300\ucd9c \uae30\uc900\uc744 \ucda9\uc871\ud558\uc9c0 \ubabb\ud574 \uac70\uc808 \ub2f9\ud560 \uac00\ub2a5\uc131\uc774 \uc788\uc5b4\uc694.<\/p>\n  \n<\/div><\/div>\n\n\n<\/div><\/div>\n\n\n\n<p>\ud558\uc9c0\ub9cc Non-QM\ub300\ucd9c\ub85c \ud55c\uad6d\uc778 \ud22c\uc790\uc790\ub098 \uc678\uad6d \uad6d\uc801 \ubcf4\uc720\uc790, \uc790\uc601\uc5c5\uc790, \ud504\ub9ac\ub79c\uc11c \ubaa8\ub450 \ubaa8\uae30\uc9c0 \ub300\ucd9c\uc744 \ubc1b\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p>&nbsp;<\/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-non-qm\ub300\ucd9c-\ubc1b\uc744-\uc218-\uc788\ub294\uc9c0-\ud655\uc778\ud558\uae30\"><strong>Non-QM\ub300\ucd9c \ubc1b\uc744 \uc218 \uc788\ub294\uc9c0 \ud655\uc778\ud558\uae30<\/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\/05\/250311_homebuyguide_3view4-2-1-1-1024x738.png\" alt=\"\" class=\"wp-image-9336\" srcset=\"https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/05\/250311_homebuyguide_3view4-2-1-1-1024x738.png 1024w, https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/05\/250311_homebuyguide_3view4-2-1-1-300x216.png 300w, https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/05\/250311_homebuyguide_3view4-2-1-1-768x553.png 768w, https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/05\/250311_homebuyguide_3view4-2-1-1-1536x1107.png 1536w, https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/05\/250311_homebuyguide_3view4-2-1-1-120x86.png 120w, https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/05\/250311_homebuyguide_3view4-2-1-1-750x540.png 750w, https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/05\/250311_homebuyguide_3view4-2-1-1-1140x821.png 1140w, https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/05\/250311_homebuyguide_3view4-2-1-1.png 2040w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p><a href=\"https:\/\/loaning.ai\/ko?utm_source=blog_official&amp;utm_medium=loaning_kr&amp;utm_campaign=USAwiki_nonqm_loan&amp;utm_content=USAwiki_nonqm_loan\">Loaning.ai<\/a>\uc5d0\uc11c\ub294 Non-QM\ub300\ucd9c \ubc1b\uc744 \uc218 \uc788\ub294\uc9c0 \ud655\uc778\ud574\ubcfc \uc218 \uc788\uc5b4\uc694.<br>\uac1c\uc778\uc815\ubcf4 \uc785\ub825 \uc5c6\uc774 \ud074\ub9ad\ub9cc\uc73c\ub85c \ub300\ucd9c \uc5ec\ubd80\ub97c \ud655\uc778\ud574\ubcf4\uc138\uc694!<\/p>\n\n\n\n\n<div style=\"text-align: center\">\n<a\nhref=\"https:\/\/loaning.ai\/homebuying-guide\/check-your-eligibility?utm_source=blog_official&#038;utm_medium=loaning_kr&#038;utm_campaign=USAwiki_nonqm_loan&#038;utm_content=USAwiki_nonqm_loan\"\nstyle=\"background-color:#49CF7E; border-radius: 6px; color: #ffffff; display: inline-block; padding: 20px 36px;\nfont-weight: bold; text-align:center; text-decoration:none; width: fit-content; min-width: 120px;\n-webkit-text-size-adjust:none;\"\n>\n\ub300\ucd9c\ubc1b\uc744 \uc218 \uc788\ub294\uc9c0 \ud655\uc778\ud558\uae30 \n<\/a>\n<\/div>\n\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-\ub300\ucd9c-\uc790\uaca9-\ube44\uad50\ud558\uae30-fha\ub300\ucd9c-vs-qm\ub300\ucd9c-vs-non-qm\ub300\ucd9c\"><strong>\ubaa8\uae30\uc9c0 \ub300\ucd9c \uc790\uaca9 \ube44\uad50\ud558\uae30: FHA\ub300\ucd9c vs QM\ub300\ucd9c vs Non-QM\ub300\ucd9c<\/strong><\/h2>\n\n\n\n<p>\uc5b4\ub5a4 \ubaa8\uae30\uc9c0\uac00 \ub098\uc5d0\uac8c \ub9de\uc744\uc9c0, \uac01 \ub300\ucd9c\uc758 \uc790\uaca9 \uc870\uac74\uacfc \ud2b9\uc9d5\uc744 \ud55c \ub208\uc5d0 \ube44\uad50\ud574\ubcf4\uc138\uc694!<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>\ud56d\ubaa9<\/th><th>FHA \ub300\ucd9c<\/th><th>QM \ub300\ucd9c<\/th><th>Non-QM \ub300\ucd9c<\/th><\/tr><\/thead><tbody><tr><td><strong>\ub300\uc0c1<\/strong><\/td><td>\uc2dc\ubbfc\uad8c\uc790, \uc601\uc8fc\uad8c\uc790\ub9cc \uac00\ub2a5<\/td><td>\uc2dc\ubbfc\uad8c\uc790, \uc601\uc8fc\uad8c\uc790, \uc77c\ubd80 \ube44\uc601\uc8fc\uad8c\uc790<\/td><td>\uc2dc\ubbfc\uad8c\uc790, \uc601\uc8fc\uad8c\uc790, \uc678\uad6d\uc778(\ube44\uc601\uc8fc\uad8c\uc790 \ud3ec\ud568)<\/td><\/tr><tr><td><strong>\uc18c\ub4dd \uc785\uc99d<\/strong><\/td><td>W-2, \uc138\uae08 \uc2e0\uace0\uc11c<\/td><td>\ub3d9\uc77c<\/td><td>\uc740\ud589 \uc785\ucd9c\uae08, \uace0\uc6a9\uc8fc \ud655\uc778 \ub4f1 \uc720\uc5f0\ud568<\/td><\/tr><tr><td><strong>\uc2e0\uc6a9 \uc694\uac74<\/strong><\/td><td>\ub0ae\uc740 \uc810\uc218\ub3c4 \uac00\ub2a5 (580+)<\/td><td>\uc911\uac04 \uc774\uc0c1 \uc810\uc218 \ud544\uc694 (620+)<\/td><td>\uc2e0\uc6a9 \uc5c6\uc5b4\ub3c4 \uac00\ub2a5 (\uc77c\ubd80 \uc0c1\ud488)<\/td><\/tr><tr><td><strong>\uc6a9\ub3c4 \uc81c\ud55c<\/strong><\/td><td>\uc2e4\uac70\uc8fc\uc6a9\ub9cc \uac00\ub2a5<\/td><td>\uc2e4\uac70\uc8fc\/\uc138\ucee8\ub4dc\ud648\/\uc77c\ubd80 \ud22c\uc790<\/td><td>\uac70\uc8fc\uc6a9 + \ud22c\uc790\uc6a9 \ubaa8\ub450 \uac00\ub2a5<\/td><\/tr><tr><td><strong>\uc774\uc790\uc728<\/strong><\/td><td>\ub0ae\uc74c<\/td><td>\ub0ae\uc74c<\/td><td>\uc0c1\ub300\uc801\uc73c\ub85c \ub192\uc74c<\/td><\/tr><tr><td><strong>\ub2e4\uc6b4\ud398\uc774<\/strong><\/td><td>3.5%~<\/td><td>3%~20%<\/td><td>20~30% \uc774\uc0c1 \uc694\uad6c \uac00\ub2a5\uc131 \uc788\uc74c<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>\uc601\uc8fc\uad8c\uc774 \uc5c6\uace0, \uc815\uaddc\uc9c1\uc774 \uc544\ub2c8\uac70\ub098 \uc138\uae08 \uc2e0\uace0 \uc18c\ub4dd\uc774 \uc801\uace0, \ud22c\uc790\uc6a9 \ubd80\ub3d9\uc0b0\uc744 \uc0ac\uace0 \uc2f6\ub2e4\uba74?<br><strong>Non-QM\ub300\ucd9c\uc774 \uc801\ud569\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4!<\/strong><\/p>\n\n\n\n<p>&nbsp;<\/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-non-qm\ub300\ucd9c-\uc0c1\ud488-\ube44\uad50\"><strong>Non-QM\ub300\ucd9c \uc0c1\ud488 \ube44\uad50<\/strong><\/h2>\n\n\n\n<p>Non-QM\ub300\ucd9c\uc740 \uc5ec\ub7ec \uc0c1\ud488\uc774 \uc788\ub294\ub370\uc694. \uc5b4\ub5a4 \ub300\ucd9c \uc0c1\ud488\uc774 \uc5ec\ub7ec\ubd84\uc5d0\uac8c \ub9de\uc744\uc9c0 \ud655\uc778\ud574\ubcf4\uc138\uc694!<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>\uc0c1\ud488\uba85<\/th><th>\uc8fc\uc694 \ub300\uc0c1<\/th><th>\ud574\ub2f9 \uac00\ub2a5 \uc2e0\ubd84<\/th><th>\uc18c\ub4dd \uc99d\ube59 \ubc29\uc2dd<\/th><th>\ud2b9\uc9d5<\/th><\/tr><\/thead><tbody><tr><td><strong>Bank Statement Loan<\/strong><\/td><td>\uc790\uc601\uc5c5\uc790<\/td><td>\u2b55 \uc2dc\ubbfc\uad8c\uc790<br>\u2b55 \uc601\uc8fc\uad8c\uc790<br>\u26a0\ufe0f \uc678\uad6d\uc778 &#8211; \ub80c\ub354 \ud655\uc778 \ud544\uc694<\/td><td>\uc785\ucd9c\uae08 \ub0b4\uc5ed<\/td><td>&#8211; \uc815\uaddc \uc138\uae08\uc2e0\uace0 \uc5c6\uc5b4\ub3c4 \uc2b9\uc778 \uac00\ub2a5<br>&#8211; \uc678\uad6d\uc778\ub3c4 \ubbf8\uad6d \ub0b4 \ubc95\uc778 \ub610\ub294 \ube44\uc988\ub2c8\uc2a4 \ud65c\ub3d9\uc774 \uc788\uc73c\uba74 \uac00\ub2a5<\/td><\/tr><tr><td><strong>WVOE Loan<\/strong><\/td><td>\uae09\uc5ec\uc18c\ub4dd\uc790<\/td><td>\u2b55 \uc2dc\ubbfc\uad8c\uc790<br>\u2b55 \uc601\uc8fc\uad8c\uc790<br>\u26a0\ufe0f \uc678\uad6d\uc778 &#8211; \uace0\uc6a9\uc8fc\u00b7\ube44\uc790 \uc694\uac74 \ucda9\uc871 \uc2dc \uac00\ub2a5<\/td><td>\uace0\uc6a9\uc8fc \ud655\uc778\uc11c<\/td><td>W-2 \uc5c6\uc774\ub3c4 \uac00\ub2a5<\/td><\/tr><tr><td><strong>P&amp;L Loan<\/strong><\/td><td>\ubc95\uc778 \uc0ac\uc5c5\uc790<\/td><td>\u2b55 \uc2dc\ubbfc\uad8c\uc790<br>\u2b55 \uc601\uc8fc\uad8c\uc790<br>\u26a0\ufe0f \uc678\uad6d\uc778 &#8211; \ubc95\uc778 \uc124\ub9bd \uc2dc \uc77c\ubd80 \uac00\ub2a5<\/td><td>\uc190\uc775\uacc4\uc0b0\uc11c(P&amp;L Statement)<\/td><td>\ubbf8\uad6d \ub0b4 \ubc95\uc778 \uc124\ub9bd \ud6c4, CPA \uc11c\uba85 \ud544\uc694<\/td><\/tr><tr><td><strong>DSCR Loan<\/strong><\/td><td>\ud22c\uc790\uc790<\/td><td>\u2b55 \uc2dc\ubbfc\uad8c\uc790<br>\u2b55 \uc601\uc8fc\uad8c\uc790<br>\u2b55 \uc678\uad6d\uc778<\/td><td>\uc784\ub300\uc218\uc775 \uae30\uc900<\/td><td>\ud22c\uc790\uc6a9 \ubd80\ub3d9\uc0b0\uc5d0 \uc720\ub9ac<\/td><\/tr><tr><td><strong>Foreign National Loan<\/strong><\/td><td>\ud55c\uad6d\uc778 \ub4f1 \uc678\uad6d\uc778<\/td><td>\u2b55 \uc678\uad6d\uc778<\/td><td>\uc5ec\uad8c, \uacc4\uc88c \uc794\uace0<\/td><td>\ubbf8\uad6d \ub0b4 \uc2e0\uc6a9 \uc810\uc218 \uc5c6\uc774\ub3c4 \uac00\ub2a5<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>&nbsp;<\/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-non-qm-\ub300\uc0c1\uc790-\uc720\ud615\ubcc4-\uc815\ub9ac\"><strong>Non-QM \ub300\uc0c1\uc790 \uc720\ud615\ubcc4 \uc815\ub9ac<\/strong><\/h2>\n\n\n\n<p>\ub354 \uc27d\uac8c \uc5b4\ub5a4 \uc720\ud615\uc774 Non-QM\ub300\ucd9c\uc758 \uc0c1\ud488\uc5d0 \uc801\ud569\ud55c\uc9c0 \uc54c\ub824\ub4dc\ub9b4\uac8c\uc694!<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>\uc720\ud615<\/th><th>\ud2b9\uc9d5 \ubc0f \uc608\uc2dc<\/th><th>\uac00\ub2a5\ud55c Non-QM \uc0c1\ud488<\/th><\/tr><\/thead><tbody><tr><td><strong>\uc678\uad6d\uc778 \ud22c\uc790\uc790 (\ud55c\uad6d\uc778 \ud3ec\ud568)<\/strong><\/td><td>\uc2dc\ubbfc\uad8c\u00b7\uc601\uc8fc\uad8c \uc5c6\uc74c, SSN \uc5c6\uc74c<\/td><td><strong>Foreign National Loan<\/strong><\/td><\/tr><tr><td><strong>\uc790\uc601\uc5c5\uc790<\/strong><\/td><td>\uc138\uae08 \uc2e0\uace0 \uc18c\ub4dd \ub0ae\uace0, \uc785\uae08\uc740 \ub9ce\uc74c<\/td><td><strong>Bank Statement Loan<\/strong><\/td><\/tr><tr><td><strong>\ud504\ub9ac\ub79c\uc11c\/\ube44\uc815\uaddc\uc9c1<\/strong><\/td><td>\uc77c\uc815\ud558\uc9c0 \uc54a\uc740 \uc18c\ub4dd \uad6c\uc870<\/td><td><strong>WVOE Loan, P&amp;L Loan<\/strong><\/td><\/tr><tr><td><strong>\ubbf8\uad6d \uc2e0\uc6a9 \uc774\ub825 \uc5c6\uc74c<\/strong><\/td><td>\uc0c8\ub85c \ubbf8\uad6d\uc5d0 \uc628 \ud22c\uc790\uc790, \uc720\ud559\uc0dd \ubd80\ubaa8<\/td><td>Foreign National Loan<\/td><\/tr><tr><td><strong>\ucd5c\uadfc \uc2e0\uc6a9 \uc774\uc288 \ubc1c\uc0dd\uc790<\/strong><\/td><td>\ud30c\uc0b0 \uc774\ub825, \uc5f0\uccb4 \uacbd\ub825 \uc788\uc74c<\/td><td>\uc77c\ubc18 Non-QM \uc0c1\ud488<\/td><\/tr><tr><td><strong>\uc784\ub300 \ud22c\uc790\uc790<\/strong><\/td><td>\ubcf8\uc778 \uc18c\ub4dd \uc544\ub2cc \uc784\ub300 \uc218\uc775\uc73c\ub85c \uc0c1\ud658<\/td><td><strong>DSCR Loan<\/strong><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>&nbsp;<\/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-loaning-ai\uc5d0\uc11c-\ub300\ucd9c-\uc0c1\ud488-\ud55c-\ub208\uc5d0-\ubcf4\uae30\"><strong>Loaning.ai\uc5d0\uc11c \ub300\ucd9c \uc0c1\ud488 \ud55c \ub208\uc5d0 \ubcf4\uae30<\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1020\" height=\"771\" src=\"https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/05\/Frame-1.png\" alt=\"\" class=\"wp-image-9337\" srcset=\"https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/05\/Frame-1.png 1020w, https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/05\/Frame-1-300x227.png 300w, https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/05\/Frame-1-768x581.png 768w, https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/05\/Frame-1-750x567.png 750w\" sizes=\"auto, (max-width: 1020px) 100vw, 1020px\" \/><\/figure>\n\n\n\n<p class=\"has-cyan-bluish-gray-color has-text-color has-link-color has-small-font-size wp-elements-9ac9af309fd0a4381de56fbb4ffca0a9\"><em>*<strong>\uae08\uc561\uc740 \uad70\ub9c8\ub2e4 \ub2e4\ub97c \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/strong><\/em><\/p>\n\n\n\n<p>\uc55e\uc11c \uc18c\uac1c\ud55c <strong>Bank Statement, WVOE, DSCR, Foreign National<\/strong>\ub300\ucd9c \ub4f1<br><a href=\"https:\/\/loaning.ai\/ko?utm_source=blog_official&amp;utm_medium=loaning_kr&amp;utm_campaign=USAwiki_nonqm_loan&amp;utm_content=USAwiki_nonqm_loan\">Loaning.ai<\/a> \ubaa8\uae30\uc9c0 \ub80c\ub354\uc5d0\uc11c\ub294 \uc774 \ubaa8\ub4e0 Non-QM \uc0c1\ud488\uc744 \uc81c\uacf5\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n\n<div class=\"wp-block-group signal-example-box\" style=\"background-color:#f8f8f8;padding-top:16px;padding-bottom:16px;padding-left:16px;padding-right:16px;border-radius:6px\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n  \n  <p>\ud83c\udfe1 <strong>Loaning.ai\uc758 Non-QM\ub300\ucd9c\uc740 \ud0c0 \ub300\ucd9c\uae30\uad00 \ub300\ube44<\/strong><\/p>\n  \n\n  \n  <ol class=\"wp-block-list\">\n    <li>\ub354 \ub0ae\uc740 \ub2e4\uc6b4\ud398\uc774<\/li>\n    <li>660\uc810\ubd80\ud130 \uac00\ub2a5\ud55c \ub0ae\uc740 \uc2e0\uc6a9\uc694\uac74<\/li>\n    <li>\ucd5c\ub300 $2.5M\uae4c\uc9c0 \uac00\ub2a5\ud55c \ub192\uc740 \ub300\ucd9c\ud55c\ub3c4<\/li>\n    <li>\uc678\uad6d\uc778 \ud22c\uc790\uc790\ub3c4 \uc2b9\uc778 \uac00\ub2a5\ud55c \uc720\uc5f0\ud55c \uc870\uac74<\/li>\n    <li>5\uac00\uc9c0\uc758 \ub2e4\uc591\ud55c Non-QM\uc0c1\ud488<\/li>\n    <li>\ud55c\uae00 \uc0c1\ub2f4 + \ubaa8\ubc14\uc77c \uc0ac\uc804\uc2b9\uc778\uc11c \ubc1c\uae09<\/li>\n  <\/ol>\n  \n<\/div><\/div>\n\n\n\n\n\n<p>\uc5b4\ub5a4 \ub300\ucd9c\uc774 \uc801\ud569\ud560\uc9c0 \uc544\uc9c1 \ub9c9\ub9c9\ud558\uc2e0\uac00\uc694? <a href=\"https:\/\/loaning.ai\/ko?utm_source=blog_official&amp;utm_medium=loaning_kr&amp;utm_campaign=USAwiki_nonqm_loan&amp;utm_content=USAwiki_nonqm_loan\">Loaning.ai<\/a>\uc758 \uc804\ubb38\uc801\uc778 \ud55c\uad6d\uc778 \uc0c1\ub2f4\uc6d0\uc5d0\uac8c \uc0c1\ub2f4 \ubc1b\uc544\ubcf4\uc138\uc694!<\/p>\n\n\n\n<p>&nbsp;<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\uc790\uc8fc \ubb3b\ub294 \uc9c8\ubb38 (FAQ)<\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Q. \ud55c\uad6d \uad6d\uc801\uc778\ub370 \ubbf8\uad6d \ubd80\ub3d9\uc0b0 \ud22c\uc790 \uac00\ub2a5\ud55c\uac00\uc694?<\/strong><\/h3>\n\n\n\n<p>A. \uac00\ub2a5\ud569\ub2c8\ub2e4. Foreign National Loan\uc774 \ube44\uc601\uc8fc\uad8c\uc790 \ud55c\uad6d\uc778\uc744 \uc704\ud55c \ub300\ud45c\uc801\uc778 \ub300\ucd9c \uc0c1\ud488\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Q. \uc138\uae08 \uc2e0\uace0\ub294 $40K\uc778\ub370 \uc2e4\uc81c \uc6d4 \uc218\uc775\uc740 $10K\uc608\uc694. \ub300\ucd9c\ubc1b\uae30 \uc5b4\ub824\uc6b4\uac00\uc694?<\/strong><\/h3>\n\n\n\n<p>A. Bank Statement Loan\uc744 \ud65c\uc6a9\ud558\uba74 \uc785\uae08 \ub0b4\uc5ed \uae30\uc900\uc73c\ub85c \uc2b9\uc778\ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Q. FHA\ub294 \uc65c \uc2dc\ubbfc\uad8c\uc790\/\uc601\uc8fc\uad8c\uc790\ub9cc \ub418\ub098\uc694?<\/strong><\/h3>\n\n\n\n<p>A. \ubbf8\uad6d \uc815\ubd80 \ubcf4\uc99d \uc0c1\ud488\uc774\uae30 \ub54c\ubb38\uc5d0, \ud569\ubc95\uc801\uc778 \uc7a5\uae30 \uccb4\ub958 \uc2e0\ubd84\uc744 \uc694\uad6c\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<p>&nbsp;<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\ubbf8\uad6d Non-QM\ub300\ucd9c\uc774\ub780? \ud55c \ub208\uc5d0 \uc815\ub9ac<\/strong><\/h2>\n\n\n\n<p>Non-QM\ub300\ucd9c\uc740 \uc815\uaddc \uc18c\ub4dd\uc774\ub098 \ubbf8\uad6d \uc2e0\uc6a9\uc774 \ubd80\uc871\ud55c \uc0ac\ub78c\ub3c4 \uc2b9\uc778 \uac00\ub2a5\ud55c \ub300\uccb4\ud615 \ubaa8\uae30\uc9c0 \uc0c1\ud488\uc785\ub2c8\ub2e4. \uc790\uc601\uc5c5\uc790, \ud504\ub9ac\ub79c\uc11c, \uc678\uad6d\uc778 \ud22c\uc790\uc790 \ub4f1 Conventional\uc774\ub098 FHA\ub97c \uc774\uc6a9\ud560 \uc218 \uc5c6\ub294 \ubd84\ub4e4\uc5d0\uac8c \ud604\uc2e4\uc801\uc778 \ub300\uc548\uc785\ub2c8\ub2e4.<br><br><\/p>\n\n\n\n<p>\uad00\ub828 \ucf58\ud150\uce20 \ubcf4\ub7ec \uac00\uae30<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/blog.loaning.ai\/ko\/7156\/\">QM\ub300\ucd9c vs Non-QM\ub300\ucd9c \ube44\uad50<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/blog.loaning.ai\/ko\/9040\/\">\ubbf8\uad6d \ubaa8\uae30\uc9c0 \uae08\ub9ac\ub780? \uc800\ub834\ud558\uac8c \ubbf8\uad6d \uc9d1 \uc0ac\ub824\uba74 \uae08\ub9ac\ubd80\ud130 \uccb4\ud06c\ud558\uc138\uc694<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/blog.loaning.ai\/ko\/8221\/\">\ubbf8\uad6d \uc9d1 \uad6c\ub9e4 \uacfc\uc815: \ud55c\uad6d\uc778\uc774 \ubbf8\uad6d\uc5d0\uc11c \uc9d1 \uc0ac\ub294 \uac00\uc7a5 \uc26c\uc6b4 \ubc29\ubc95<\/a><\/li>\n<\/ul>\n\n\n\n<div class=\"wp-block-buttons loaning_cta_bottom is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-background wp-element-button\" href=\"https:\/\/loaning.ai\/ko?utm_source=blog_official&amp;utm_medium=loaning_kr&amp;utm_campaign=USAwiki_nonqm_loan&amp;utm_content=USAwiki_nonqm_loan\" style=\"background-color:#49cf7e\">Non-QM\ub300\ucd9c \ud55c\uad6d\uc778 \uc0c1\ub2f4\uc6d0\uc5d0\uac8c \uc0c1\ub2f4\ubc1b\uae30<\/a><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>\ubbf8\uad6d Non-QM\ub300\ucd9c\uc774\ub780 \ubb34\uc5c7\uc778\uac00\uc694? \ud83d\udca1 \ubbf8\uad6d Non-QM\ub300\ucd9c\uc740 \uc804\ud1b5\uc801\uc778 \uc790\uaca9 \uc694\uac74(QM: Qualified Mortgage)\uc744 \ucda9\uc871\ud558\uc9c0 \ubabb\ud574\ub3c4 \uc2b9\uc778 \uac00\ub2a5\ud55c \ube44\uc801\uaca9 \uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c\uc785\ub2c8\ub2e4. \uc989, \uc815\uaddc \uae09\uc5ec\ub97c \ubc1b\uc9c0 \uc54a\uac70\ub098, \ubbf8\uad6d \uc138\uae08 \uc2e0\uace0 \ub0b4\uc5ed\uc774 \ubd80\uc871\ud558\uac70\ub098, \ubbf8\uad6d \uc2e0\uc6a9\uc774 \uc5c6\ub294 \uc678\uad6d\uc778\ub3c4 \uc870\uac74\ub9cc \ub9de\uc73c\uba74 \ub300\ucd9c\uc774 \uac00\ub2a5\ud569\ub2c8\ub2e4. Non-QM \ub300\ucd9c\uc740 \uc18c\ub4dd \uc99d\ube59 \ubc29\ubc95\uc774 \ub2e4\uc591\ud558\uace0 \uc2b9\uc778 \uae30\uc900\uc774 \ub354 \uc720\uc5f0\ud558\ub2e4\ub294 \ud2b9\uc9d5\uc774 \uc788\uc2b5\ub2c8\ub2e4. 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