{"id":375,"date":"2026-05-07T02:24:51","date_gmt":"2026-05-07T02:24:51","guid":{"rendered":"https:\/\/uribank.com\/wordpress1\/2026\/05\/07\/investment-property-loan-criteria\/"},"modified":"2026-05-07T02:24:51","modified_gmt":"2026-05-07T02:24:51","slug":"investment-property-loan-criteria","status":"publish","type":"post","link":"http:\/\/uribank.com\/wordpress1\/2026\/05\/07\/investment-property-loan-criteria\/","title":{"rendered":"\ud22c\uc790\uc6a9 \ubd80\ub3d9\uc0b0 \ub300\ucd9c \uae30\uc900, \uc2b9\uc778 \uc88c\uc6b0\ud558\ub294 \ud575\uc2ec"},"content":{"rendered":"

\ud22c\uc790\uc6a9 \ubd80\ub3d9\uc0b0\uc744 \uacc4\uc57d\ud560 \ub54c \ub9ce\uc740 \ubd84\ub4e4\uc774 \uac00\uc7a5 \uba3c\uc800 \ubb3b\ub294 \uac83\uc740 \uae08\ub9ac\uac00 \uc544\ub2d9\ub2c8\ub2e4. \uc2e4\uc81c\ub85c \uc2b9\uc778 \uac00\ub2a5 \uc5ec\ubd80\ub97c \uac00\ub974\ub294 \uac74 \ud22c\uc790\uc6a9 \ubd80\ub3d9\uc0b0 \ub300\ucd9c \uae30\uc900\uc774 \ub0b4 \uc0c1\ud669\uc5d0 \ub9de\ub290\ub0d0\ub294 \uc810\uc785\ub2c8\ub2e4. \uac19\uc740 \ucf58\ub3c4\ub098 \uc2f1\uae00\ud328\ubc00\ub9ac\ub77c\ub3c4 borrower\uc758 \uc18c\ub4dd \uad6c\uc870, \ubcf4\uc720 \ubd80\ucc44, \uac70\uc8fc \uc2e0\ubd84, \ub2e4\uc6b4\ud398\uc774 \ube44\uc728\uc5d0 \ub530\ub77c \uac00\ub2a5\ud55c \ud504\ub85c\uadf8\ub7a8\uc774 \uc644\uc804\ud788 \ub2ec\ub77c\uc9c8 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

\ud2b9\ud788 \ud22c\uc790 \ubaa9\uc801\uc758 \uc8fc\ud0dd\uc740 primary residence\ubcf4\ub2e4 lender\uac00 \ub354 \ubcf4\uc218\uc801\uc73c\ub85c \ubd05\ub2c8\ub2e4. \uc774\uc720\ub294 \ub2e8\uc21c\ud569\ub2c8\ub2e4. \uacbd\uae30 \ubcc0\ub3d9\uc774 \uc624\uba74 \ud22c\uc790 \ubd80\ub3d9\uc0b0\uc758 mortgage payment\uac00 \uc790\uac00\uc8fc\ud0dd\ubcf4\ub2e4 \uba3c\uc800 \ubd80\ub2f4\uc774 \ub420 \uac00\ub2a5\uc131\uc774 \ub192\ub2e4\uace0 \ubcf4\uae30 \ub54c\ubb38\uc785\ub2c8\ub2e4. \uadf8\ub798\uc11c \uc2b9\uc778 \uc2ec\uc0ac\uc5d0\uc11c\ub294 \uc2e0\uc6a9\uc810\uc218, \ud604\uae08 \ubcf4\uc720\uc561, \uc608\uc0c1 \uc784\ub300\uc218\uc785, property type, \uadf8\ub9ac\uace0 \uc11c\ub958\uc758 \uc77c\uad00\uc131\uc744 \ub354 \uaf3c\uaf3c\ud788 \ud655\uc778\ud569\ub2c8\ub2e4.<\/p>\n

\ud22c\uc790\uc6a9 \ubd80\ub3d9\uc0b0 \ub300\ucd9c \uae30\uc900\uc774 \uc790\uac00\uc8fc\ud0dd\uacfc \ub2e4\ub978 \uc774\uc720<\/h2>\n

\uc790\uac00 \uac70\uc8fc\uc6a9 \uc8fc\ud0dd\uc740 borrower\uc758 \uc2e4\uac70\uc8fc \ud544\uc694\uac00 \ubd84\uba85\ud558\uae30 \ub54c\ubb38\uc5d0 \uc0c1\ub300\uc801\uc73c\ub85c \ub0ae\uc740 \ub2e4\uc6b4\ud398\uc774\uc640 \ub354 \uc720\uc5f0\ud55c \uc870\uac74\uc774 \uc801\uc6a9\ub418\ub294 \uacbd\uc6b0\uac00 \ub9ce\uc2b5\ub2c8\ub2e4. \ubc18\uba74 \ud22c\uc790\uc6a9 \ubd80\ub3d9\uc0b0\uc740 \uc218\uc775\uc131\uacfc \uc0c1\ud658 \uc548\uc815\uc131\uc774 \ud568\uaed8 \uac80\ud1a0\ub429\ub2c8\ub2e4. lender \uc785\uc7a5\uc5d0\uc11c\ub294 \uc774 \ubd80\ub3d9\uc0b0\uc774 \uc2e4\uc81c\ub85c cash flow\ub97c \ub9cc\ub4e4 \uc218 \uc788\ub294\uc9c0, borrower\uac00 \uacf5\uc2e4\uc774\ub098 \uc218\ub9ac\ube44 \uac19\uc740 \ubcc0\uc218\uc5d0\ub3c4 payment\ub97c \uac10\ub2f9\ud560 \uc218 \uc788\ub294\uc9c0\ub97c \ubd05\ub2c8\ub2e4.<\/p>\n

\uc774 \ucc28\uc774 \ub54c\ubb38\uc5d0 \ud22c\uc790\uc6a9 \ub300\ucd9c\uc740 \ubcf4\ud1b5 \ub354 \ub192\uc740 down payment\ub97c \uc694\uad6c\ud558\uace0, interest rate\ub3c4 \uc790\uac00\uc8fc\ud0dd\ubcf4\ub2e4 \ub192\uac8c \ucc45\uc815\ub418\ub294 \uacbd\ud5a5\uc774 \uc788\uc2b5\ub2c8\ub2e4. \uac19\uc740 borrower\ub77c\ub3c4 primary home purchase\uc5d0\uc11c\ub294 \uc2b9\uc778\ub418\uc9c0\ub9cc \ud22c\uc790\uc6a9 purchase\uc5d0\uc11c\ub294 \uc870\uac74\uc774 \uac15\ud654\ub418\uac70\ub098 loan amount\uac00 \uc904\uc5b4\ub4e4 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

\uac00\uc7a5 \uba3c\uc800 \ubcf4\ub294 \uae30\uc900\uc740 \ub2e4\uc6b4\ud398\uc774\uc640 \uc2e0\uc6a9\uc810\uc218<\/h2>\n

\ud22c\uc790\uc6a9 \ubd80\ub3d9\uc0b0 \ub300\ucd9c\uc5d0\uc11c down payment\ub294 \ub9e4\uc6b0 \uc911\uc694\ud569\ub2c8\ub2e4. \uc77c\ubc18\uc801\uc73c\ub85c \ud22c\uc790\uc6a9\uc740 \uc790\uac00\uc8fc\ud0dd\ubcf4\ub2e4 \ub354 \ub9ce\uc740 \uc790\uae30\uc790\ubcf8\uc744 \uc694\uad6c\ud569\ub2c8\ub2e4. property type\uacfc loan program\uc5d0 \ub530\ub77c \ub2e4\ub974\uc9c0\ub9cc, \ub9ce\uc740 \uacbd\uc6b0 \ucd5c\uc18c 15\ud37c\uc13c\ud2b8\uc5d0\uc11c 25\ud37c\uc13c\ud2b8 \uc774\uc0c1\uc744 \uae30\ub300\ud558\ub294 \uac83\uc774 \ud604\uc2e4\uc801\uc785\ub2c8\ub2e4. 1\uc720\ub2db\uc778\uc9c0 2-4\uc720\ub2db\uc778\uc9c0, condo\uc778\uc9c0 single-family\uc778\uc9c0\uc5d0 \ub530\ub77c\uc11c\ub3c4 \uc870\uac74\uc740 \ub2ec\ub77c\uc9d1\ub2c8\ub2e4.<\/p>\n

\uc2e0\uc6a9\uc810\uc218 \uc5ed\uc2dc \uc2b9\uc778\uacfc \uae08\ub9ac \ubaa8\ub450\uc5d0 \uc9c1\uc811 \uc601\ud5a5\uc744 \uc90d\ub2c8\ub2e4. \uc2e0\uc6a9\uc810\uc218\uac00 \ub192\uc73c\uba74 \uac19\uc740 \ud22c\uc790\uc6a9 \ub300\ucd9c\uc774\ub77c\ub3c4 \ub354 \uc720\ub9ac\ud55c pricing\uc774 \uac00\ub2a5\ud560 \uc218 \uc788\uace0, reserve \uc694\uac74\ub3c4 \ub35c \ubd80\ub2f4\uc2a4\ub7ec\uc6b8 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ubc18\ub300\ub85c \uc810\uc218\uac00 \ub0ae\uc73c\uba74 \uc544\uc608 \ubd88\uac00\ub2a5\ud558\ub2e4\ub294 \ub73b\uc740 \uc544\ub2c8\uc9c0\ub9cc, \uc694\uad6c\ub418\ub294 down payment\uac00 \ucee4\uc9c0\uac70\ub098 program \uc120\ud0dd\ud3ed\uc774 \uc881\uc544\uc9c8 \uac00\ub2a5\uc131\uc774 \ub192\uc2b5\ub2c8\ub2e4.<\/p>\n

\uc5ec\uae30\uc11c \ub9ce\uc740 \ubd84\ub4e4\uc774 \ub193\uce58\ub294 \ubd80\ubd84\uc774 \uc788\uc2b5\ub2c8\ub2e4. \ub2e8\uc21c\ud788 score \uc22b\uc790\ub9cc \ubcf4\ub294 \uac83\uc774 \uc544\ub2c8\ub77c \ucd5c\uadfc \uc5f0\uccb4 \uae30\ub85d, credit utilization, mortgage history\uae4c\uc9c0 \ud568\uaed8 \ubd05\ub2c8\ub2e4. \ud2b9\ud788 \uc774\ubbf8 \uc5ec\ub7ec \ucc44\ub97c \ubcf4\uc720\ud55c \ud22c\uc790\uc790\ub294 \uae30\uc874 mortgage payment history\uac00 \ub9e4\uc6b0 \uc911\uc694\ud569\ub2c8\ub2e4.<\/p>\n

\uc18c\ub4dd \uc2ec\uc0ac\uc640 DTI\ub294 \uc5b4\ub5bb\uac8c \ubcf4\ub098<\/h2>\n

\ud22c\uc790\uc6a9 \ub300\ucd9c\uc774\ub77c\uace0 \ud574\uc11c \uc18c\ub4dd \uc2ec\uc0ac\uac00 \ub290\uc2a8\ud55c \uac83\uc740 \uc544\ub2d9\ub2c8\ub2e4. \uc624\ud788\ub824 full documentation \ud504\ub85c\uadf8\ub7a8\uc5d0\uc11c\ub294 W-2, tax return, bank statement, business return\uae4c\uc9c0 \ub354 \uc138\ubc00\ud558\uac8c \ubcf4\ub294 \uacbd\uc6b0\ub3c4 \uc788\uc2b5\ub2c8\ub2e4. lender\ub294 borrower\uc758 \ucd1d \uc6d4\uc18c\ub4dd \ub300\ube44 \ubd80\ucc44 \ube44\uc728, \uc989 DTI\ub97c \uacc4\uc0b0\ud574 \uc0c8\ub85c \ucd94\uac00\ub418\ub294 mortgage payment\ub97c \uac10\ub2f9\ud560 \uc218 \uc788\ub294\uc9c0 \ud655\uc778\ud569\ub2c8\ub2e4.<\/p>\n

\ubb38\uc81c\ub294 self-employed borrower\uc785\ub2c8\ub2e4. \uc138\uae08\ubcf4\uace0\uc0c1 \ube44\uc6a9 \ucc98\ub9ac\uac00 \ub9ce\uc73c\uba74 \uc2e4\uc81c \ud604\uae08\ud750\ub984\uc740 \ucda9\ubd84\ud574\ub3c4 tax return\uc0c1 \uc21c\uc774\uc775\uc774 \ub0ae\uac8c \ubcf4\uc77c \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc774 \uacbd\uc6b0 \uc77c\ubc18 \uc740\ud589 \uae30\uc900\ub9cc \uc801\uc6a9\ud558\uba74 approval\uc774 \uc5b4\ub824\uc6cc\uc9c8 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uadf8\ub798\uc11c \uc0c1\ud669\uc5d0 \ub530\ub77c bank statement loan\uc774\ub098 DSCR \uc131\uaca9\uc758 \ud22c\uc790\uc6a9 \ud504\ub85c\uadf8\ub7a8\ucc98\ub7fc \uc18c\ub4dd \uc0b0\uc815 \ubc29\uc2dd\uc774 \ub2e4\ub978 \uc635\uc158\uc744 \uac80\ud1a0\ud560 \ud544\uc694\uac00 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

\ubbf8\uad6d \ub0b4 \uc9c1\uc7a5\uc18c\ub4dd\uc774 \uba85\ud655\ud55c \ubd84\uc740 W-2\uc640 paystub \uc911\uc2ec\uc73c\ub85c \uc811\uadfc\ud558\ub294 \uac83\uc774 \uc720\ub9ac\ud560 \uc218 \uc788\uc9c0\ub9cc, \uc0ac\uc5c5\uc18c\ub4dd\uc790\ub098 \ud504\ub9ac\ub79c\uc11c\ub294 \uac19\uc740 \ud22c\uc790\uc6a9 \ubd80\ub3d9\uc0b0 \ub300\ucd9c \uae30\uc900 \uc548\uc5d0\uc11c\ub3c4 \uc5b4\ub5a4 \ud504\ub85c\uadf8\ub7a8\uc744 \uc120\ud0dd\ud558\ub290\ub0d0\uac00 \uacb0\uacfc\ub97c \ud06c\uac8c \ubc14\uafc9\ub2c8\ub2e4. \uae30\uc900\uc774 \ud558\ub098\uac00 \uc544\ub2c8\ub77c \ud504\ub85c\uadf8\ub7a8\ubcc4\ub85c \ub2e4\ub974\uae30 \ub54c\ubb38\uc785\ub2c8\ub2e4.<\/p>\n

\uc784\ub300\uc218\uc785 \ubc18\uc601\uc740 \uc2b9\uc778 \uac00\ub2a5\uc131\uc744 \ubc14\uafbc\ub2e4<\/h2>\n

\ud22c\uc790\uc6a9 \ubd80\ub3d9\uc0b0\uc5d0\uc11c\ub294 \uc608\uc0c1 rental income\uc744 \uc5b4\ub5bb\uac8c \ubc18\uc601\ud558\ub290\ub0d0\uac00 \ud575\uc2ec \ubcc0\uc218\uc785\ub2c8\ub2e4. \uc774\ubbf8 \uc784\ub300 \uc911\uc778 property\ub77c\uba74 lease agreement\uc640 rent roll, \ub610\ub294 tax return\uc0c1\uc758 rental history\ub97c \ubc14\ud0d5\uc73c\ub85c \uc2ec\uc0ac\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc0c8\ub85c \uad6c\uc785\ud558\ub294 \ud22c\uc790\uc6a9 property\uc758 \uacbd\uc6b0\uc5d0\ub294 appraisal report \uc548\uc758 market rent schedule\uc744 \ud65c\uc6a9\ud558\ub294 \ubc29\uc2dd\uc774 \ud754\ud569\ub2c8\ub2e4.<\/p>\n

\ub2e4\ub9cc \uc608\uc0c1 \uc784\ub300\uc218\uc785\uc774 100\ud37c\uc13c\ud2b8 \uadf8\ub300\ub85c \uc778\uc815\ub418\ub294 \uac83\uc740 \uc544\ub2d9\ub2c8\ub2e4. vacancy\uc640 \uc6b4\uc601 \ub9ac\uc2a4\ud06c\ub97c \uac10\uc548\ud574 \uc77c\uc815 \ube44\uc728\ub9cc \ubc18\uc601\ud558\ub294 \uacbd\uc6b0\uac00 \ub9ce\uc2b5\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4 \uc6d4 \ub80c\ud2b8\uac00 \ub192\uc544 \ubcf4\uc5ec\ub3c4 lender \uacc4\uc0b0\uc0c1 \uc778\uc815 \uc18c\ub4dd\uc740 \ub354 \ub0ae\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uadf8\ub798\uc11c buyer\uac00 \uc0dd\uac01\ud558\ub294 cash flow\uc640 underwriting \uacb0\uacfc\uac00 \ub2e4\ub974\uac8c \ub098\uc624\ub294 \uc77c\uc774 \uc801\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4.<\/p>\n

\ub610 \ud558\ub098 \uc911\uc694\ud55c \uc810\uc740 property condition\uc785\ub2c8\ub2e4. \uc784\ub300\uc218\uc785\uc774 \uac00\ub2a5\ud558\ub354\ub77c\ub3c4 \uc9d1 \uc0c1\ud0dc\uac00 \uc88b\uc9c0 \uc54a\uac70\ub098 \uc989\uc2dc \uac70\uc8fc\uac00 \uc5b4\ub835\ub2e4\uba74 \uc77c\ubc18 \uc7a5\uae30 mortgage\uac00 \uc544\ub2cc \ub2e4\ub978 \ud615\ud0dc\uc758 financing\uc774 \ud544\uc694\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ud22c\uc790\uc790\ub294 \uc218\uc775\uc131\ub9cc \ubcf4\uc9c0 \ub9d0\uace0 loan eligibility\uae4c\uc9c0 \ud568\uaed8 \ubd10\uc57c \ud569\ub2c8\ub2e4.<\/p>\n

\ubcf4\uc720 \uc790\uc0b0\uacfc reserve \uc694\uac74\ub3c4 \uac00\ubccd\uc9c0 \uc54a\ub2e4<\/h2>\n

\ud22c\uc790\uc6a9 \ub300\ucd9c\uc740 closing \ube44\uc6a9\ub9cc \uc900\ube44\ud55c\ub2e4\uace0 \ub05d\ub098\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4. \ub9ce\uc740 lender\uac00 reserve\ub97c \uc694\uad6c\ud569\ub2c8\ub2e4. reserve\ub294 closing \ud6c4\uc5d0\ub3c4 \uc77c\uc815 \uac1c\uc6d4 \uc218\uc758 mortgage payment\ub97c \uac10\ub2f9\ud560 \uc218 \uc788\ub2e4\ub294 \uac83\uc744 \ubcf4\uc5ec\uc8fc\ub294 \uc790\uc0b0\uc785\ub2c8\ub2e4. \ubcf4\ud1b5 checking, savings, brokerage, retirement account \uc77c\ubd80\uac00 \uc778\uc815\ub420 \uc218 \uc788\uc9c0\ub9cc, \ud504\ub85c\uadf8\ub7a8\ub9c8\ub2e4 \uacc4\uc0b0 \ubc29\uc2dd\uc774 \ub2e4\ub985\ub2c8\ub2e4.<\/p>\n

\uc774\ubbf8 \uc5ec\ub7ec \ucc44\ub97c \ubcf4\uc720\ud55c \ud22c\uc790\uc790\ub77c\uba74 \ubcf4\uc720 \uc911\uc778 \ub2e4\ub978 property\ub4e4\uc5d0 \ub300\ud55c reserve\uae4c\uc9c0 \ucd94\uac00\ub85c \uc694\uad6c\ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc774 \ubd80\ubd84\uc774 \uc790\uc8fc \uc2b9\uc778 \uc9c0\uc5f0\uc744 \ub9cc\ub4dc\ub294 \uc774\uc720\uc785\ub2c8\ub2e4. \uc18c\ub4dd\uc740 \ucda9\ubd84\ud55c\ub370 \uc790\uc0b0 \uc11c\ub958 \uc815\ub9ac\uac00 \uc548 \ub418\uc5b4 \uc788\uac70\ub098, \ud574\uc678 \uc790\uae08\uc758 \ucd9c\ucc98 \uc124\uba85\uc774 \ubd88\uba85\ud655\ud558\uba74 underwriting\uc774 \ubcf4\uc218\uc801\uc73c\ub85c \ubc14\ub014 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

\ud55c\uad6d \uc790\uc0b0\uc774\ub098 \ud574\uc678 \uc1a1\uae08\uc774 \uad00\ub828\ub41c \uacbd\uc6b0\uc5d0\ub294 \uc790\uae08 \ucd9c\ucc98, \uacc4\uc88c \uc774\ub3d9 \ub0b4\uc5ed, \ud658\uc804 \uacfc\uc815\uc5d0 \ub300\ud55c \uc124\uba85\uc774 \ud544\uc694\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ubbf8\uad6d lender\ub294 \uc790\uae08\uc758 \ud569\ubc95\uc131\uacfc \ucd94\uc801 \uac00\ub2a5\uc131\uc744 \ub9e4\uc6b0 \uc911\uc694\ud558\uac8c \ubcf4\uae30 \ub54c\ubb38\uc785\ub2c8\ub2e4.<\/p>\n

\ud22c\uc790\uc6a9 \ubd80\ub3d9\uc0b0 \ub300\ucd9c \uae30\uc900\uc5d0\uc11c property type\uc774 \ubbf8\uce58\ub294 \uc601\ud5a5<\/h2>\n

\ubaa8\ub4e0 \ubd80\ub3d9\uc0b0\uc774 \uac19\uc740 \uae30\uc900\uc73c\ub85c \ud3c9\uac00\ub418\uc9c0\ub294 \uc54a\uc2b5\ub2c8\ub2e4. single-family residence\ub294 \uc0c1\ub300\uc801\uc73c\ub85c \ud45c\uc900\ud654\ub41c \uc2ec\uc0ac\uac00 \uac00\ub2a5\ud558\uc9c0\ub9cc, condo\ub294 HOA \uc7ac\uc815 \uc0c1\ud0dc\ub098 \ud504\ub85c\uc81d\ud2b8 \uc2b9\uc778 \uc5ec\ubd80\uac00 \ubcc0\uc218\uac00 \ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4. 2-4 unit property\ub294 rental income \ud65c\uc6a9 \uce21\uba74\uc5d0\uc11c \uc7a5\uc810\uc774 \uc788\uc9c0\ub9cc, down payment\uc640 reserve \uc694\uad6c\uac00 \ub354 \uac15\ud574\uc9c8 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

short-term rental \uc6b4\uc601 \uacc4\ud68d\uc774 \uc788\ub294 property\ub3c4 \uc8fc\uc758\uac00 \ud544\uc694\ud569\ub2c8\ub2e4. borrower\ub294 \uc5d0\uc5b4\ube44\uc564\ube44 \uc218\uc775\uc744 \uae30\ub300\ud558\ub354\ub77c\ub3c4 lender\ub294 \uc7a5\uae30 \uc784\ub300 \uae30\uc900\uc73c\ub85c\ub9cc \ud3c9\uac00\ud558\uac70\ub098, \ud574\ub2f9 \uc218\uc775\uc744 \uc544\uc608 \uc778\uc815\ud558\uc9c0 \uc54a\ub294 \uacbd\uc6b0\ub3c4 \uc788\uc2b5\ub2c8\ub2e4. \ud22c\uc790 \uc804\ub7b5\uacfc \ub300\ucd9c \uc2ec\uc0ac \ub17c\ub9ac\uac00 \ud56d\uc0c1 \uac19\uc9c0\ub294 \uc54a\uc2b5\ub2c8\ub2e4.<\/p>\n

fixer-upper \uc131\uaca9\uc758 \ubd80\ub3d9\uc0b0\ub3c4 \ub9c8\ucc2c\uac00\uc9c0\uc785\ub2c8\ub2e4. \uc218\ub9ac \ud6c4 \uac00\uce58 \uc0c1\uc2b9 \uac00\ub2a5\uc131\uc774 \ub192\uc544 \ubcf4\uc5ec\ub3c4 \ud604\uc7ac \uc0c1\ud0dc\uac00 \uc77c\ubc18 mortgage \uae30\uc900\uc5d0 \ub9de\uc9c0 \uc54a\uc73c\uba74 hard money\ub098 \ub2e8\uae30 \uc790\uae08\uc73c\ub85c \uba3c\uc800 \ub9e4\uc785 \ud6c4 refinance\ud558\ub294 \uad6c\uc870\uac00 \ub354 \ud604\uc2e4\uc801\uc77c \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uae08\ub9ac\ub294 \ub192\uc744 \uc218 \uc788\uc9c0\ub9cc, \uac70\ub798 \uc18d\ub3c4\uc640 \uc2b9\uc778 \uc720\uc5f0\uc131\uc5d0\uc11c \uc7a5\uc810\uc774 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

\uc678\uad6d\uc778\uacfc \ube44\uac70\uc8fc\uc790\uc758 \uacbd\uc6b0 \ub2ec\ub77c\uc9c0\ub294 \ubd80\ubd84<\/h2>\n

\ubbf8\uad6d \uc2dc\ubbfc\uad8c\uc790\ub098 \uc601\uc8fc\uad8c\uc790\uac00 \uc544\ub2c8\uc5b4\ub3c4 \ud22c\uc790\uc6a9 \ubd80\ub3d9\uc0b0 financing\uc774 \uac00\ub2a5\ud55c \uacbd\uc6b0\ub294 \uc788\uc2b5\ub2c8\ub2e4. \ub2e4\ub9cc \uc774\ub54c\ub294 standard conventional loan\uacfc\ub294 \ub2e4\ub978 \uae30\uc900\uc774 \uc801\uc6a9\ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc5ec\uad8c, \ube44\uc790, \ud574\uc678 \uc18c\ub4dd \uc99d\ube59, \ud574\uc678 \uc740\ud589\uc794\uace0, \ubbf8\uad6d \ub0b4 credit history \uc720\ubb34 \ub4f1\uc774 \ud568\uaed8 \uac80\ud1a0\ub429\ub2c8\ub2e4.<\/p>\n

\ube44\uac70\uc8fc\uc790\ub294 \uc77c\ubc18\uc801\uc73c\ub85c \ub354 \ub192\uc740 down payment\ub97c \uc694\uad6c\ubc1b\uc744 \uac00\ub2a5\uc131\uc774 \ud06c\uace0, \uc11c\ub958\ub3c4 \ub354 \ub9ce\uc774 \uc900\ube44\ud574\uc57c \ud569\ub2c8\ub2e4. \ubbf8\uad6d \ub0b4 \uc138\uae08\ubcf4\uace0 \uc774\ub825\uc774 \uc5c6\uac70\ub098 credit file\uc774 \uc587\uc740 \uacbd\uc6b0, \uc804\ud1b5 \uc740\ud589\ubcf4\ub2e4 foreign national program\uc5d0 \uc775\uc219\ud55c lender\ub97c \ucc3e\ub294 \uac83\uc774 \uc911\uc694\ud569\ub2c8\ub2e4. \uc2b9\uc778 \uc790\uccb4\ubcf4\ub2e4\ub3c4 \uc5b4\ub5a4 lender\uac00 \uc774 \ucf00\uc774\uc2a4\ub97c \uc774\ud574\ud558\uace0 \ucc98\ub9ac\ud560 \uc218 \uc788\ub294\uc9c0\uac00 \ub354 \uc911\uc694\ud560 \ub54c\uac00 \ub9ce\uc2b5\ub2c8\ub2e4.<\/p>\n

\uc774\ub7f0 \uc774\uc720\ub85c Korean-speaking borrower\ub4e4\uc740 \ub2e8\uc21c\ud788 \uae08\ub9ac \ube44\uad50\ub9cc \ud558\uae30\ubcf4\ub2e4, \uc790\uc2e0\uc758 \uc2e0\ubd84\uacfc \uc18c\ub4dd \ud615\ud0dc\uc5d0 \ub9de\ub294 \ud504\ub85c\uadf8\ub7a8 \ub9e4\uce6d\uc744 \uba3c\uc800 \ubc1b\uc544\ubcf4\ub294 \uac83\uc774 \ud6a8\uc728\uc801\uc785\ub2c8\ub2e4. URI Financial \uac19\uc740 mortgage advisor<\/a> \uc911\uc2ec\uc758 \uc811\uadfc\uc774 \ud544\uc694\ud55c \uc774\uc720\ub3c4 \uc5ec\uae30\uc5d0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

\uc2b9\uc778 \uac00\ub2a5\uc131\uc744 \ub192\uc774\ub824\uba74 \ubb34\uc5c7\uc744 \uc900\ube44\ud574\uc57c \ud558\ub098<\/h2>\n

\uac00\uc7a5 \uc88b\uc740 \ucd9c\ubc1c\uc810\uc740 \uacc4\uc57d \uc804\uc5d0 pre-approval\uc744 \ubc1b\ub294 \uac83\uc785\ub2c8\ub2e4. \ud22c\uc790\uc6a9\uc740 \uc11c\ub958 \ud558\ub098 \ucc28\uc774\ub85c loan amount\uac00 \uc904\uac70\ub098 \uad6c\uc870\uac00 \ubc14\ub00c\ub294 \uc77c\uc774 \ud754\ud558\ubbc0\ub85c, \uba3c\uc800 \uac00\ub2a5\ud55c \uc608\uc0b0\uacfc \ud504\ub85c\uadf8\ub7a8\uc744 \ud655\uc778\ud574\uc57c \ud569\ub2c8\ub2e4. \uc774 \uacfc\uc815\uc5d0\uc11c \ucd5c\uadfc 2\ub144 \uc18c\ub4dd \uc790\ub8cc, \uc790\uc0b0 \uc11c\ub958, \ubcf4\uc720 \ubd80\ub3d9\uc0b0 \ud604\ud669, \uc784\ub300\uacc4\uc57d\uc11c, \uc0ac\uc5c5\uccb4 \uc11c\ub958\ub97c \ubbf8\ub9ac \uc815\ub9ac\ud574 \ub450\uba74 underwriting\uc774 \ud6e8\uc52c \uc218\uc6d4\ud574\uc9d1\ub2c8\ub2e4.<\/p>\n

\ub610\ud55c \ub108\ubb34 \uacf5\uaca9\uc801\uc778 purchase price\ub9cc \ubcf4\uc9c0 \ub9d0\uace0, \uc608\uc0c1 mortgage payment, \uc138\uae08, \ubcf4\ud5d8, HOA, \uacf5\uc2e4 \uac00\ub2a5\uc131\uae4c\uc9c0 \ud3ec\ud568\ud55c \uc6d4\ubcc4 \ubd80\ub2f4\uc744 \uacc4\uc0b0\ud574\uc57c \ud569\ub2c8\ub2e4. \uc2b9\uc778\ub9cc \ub418\uba74 \uc88b\uc740 \ub300\ucd9c\uc740 \uc544\ub2d9\ub2c8\ub2e4. \uc88b\uc740 \ud22c\uc790 \ub300\ucd9c\uc740 \uc2b9\uc778 \uac00\ub2a5\uc131\uacfc \uc7a5\uae30 \uc720\uc9c0 \uac00\ub2a5\uc131\uc774 \ud568\uaed8 \ub9de\uc544\uc57c \ud569\ub2c8\ub2e4.<\/p>\n

\uac19\uc740 \ud22c\uc790\uc790\ub77c\ub3c4 \uccab \ubc88\uc9f8 \ud22c\uc790\uc6a9 \ucf58\ub3c4\ub97c \uc0ac\ub294 \uacbd\uc6b0\uc640 \uc774\ubbf8 \uc5ec\ub7ec \ucc44\ub97c \ubcf4\uc720\ud55c \uacbd\uc6b0\ub294 \uae30\uc900\uc774 \ub2e4\ub974\uac8c \uc791\ub3d9\ud569\ub2c8\ub2e4. \uadf8\ub798\uc11c \uc778\ud130\ub137 \ud3c9\uade0 \uc815\ubcf4\ubcf4\ub2e4 \uc911\uc694\ud55c \uac83\uc740 \uc9c0\uae08 \ubcf8\uc778\uc758 \ud30c\uc77c\uc785\ub2c8\ub2e4. \uc2e0\uc6a9, \uc18c\ub4dd, \uc790\uc0b0, \ubd80\ub3d9\uc0b0 \uc720\ud615, \uac70\uc8fc \uc2e0\ubd84\uc774 \uc5b4\ub5bb\uac8c \uc870\ud569\ub418\ub294\uc9c0\uc5d0 \ub530\ub77c \ub2f5\uc774 \ub2ec\ub77c\uc9d1\ub2c8\ub2e4.<\/p>\n

\ud22c\uc790\uc6a9 \ubd80\ub3d9\uc0b0 \ub300\ucd9c\uc740 \uc22b\uc790\ub9cc \ub9de\ucd94\ub294 \uacfc\uc815\uc774 \uc544\ub2c8\ub77c \uc804\ub7b5\uc744 \uc815\ud558\ub294 \uacfc\uc815\uc5d0 \uac00\uae5d\uc2b5\ub2c8\ub2e4. \uc11c\ub458\ub7ec \uacc4\uc57d\ud55c \ub4a4 \ub9de\ub294 \ub300\ucd9c\uc744 \ucc3e\uae30\ubcf4\ub2e4, \uba3c\uc800 \ub0b4 \uc870\uac74\uc5d0 \ub9de\ub294 \ub300\ucd9c \uae30\uc900\uc744 \ud655\uc778\ud558\uba74 \uc120\ud0dd\uc758 \ud3ed\uc774 \ub354 \ub113\uc5b4\uc9d1\ub2c8\ub2e4. \uc88b\uc740 \ud22c\uc790\ub294 \uc88b\uc740 \ub9e4\ubb3c\uc5d0\uc11c \uc2dc\uc791\ub418\uc9c0\ub9cc, \uc548\uc815\uc801\uc778 financing\uc774 \uc788\uc5b4\uc57c \ub05d\uae4c\uc9c0 \uc9c0\ud0ac \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n","protected":false},"excerpt":{"rendered":"

\ud22c\uc790\uc6a9 \ubd80\ub3d9\uc0b0 \ub300\ucd9c \uae30\uc900\uc740 \uc790\uac00\uc8fc\ud0dd \ub300\ucd9c\uacfc \ub2e4\ub985\ub2c8\ub2e4. \ub2e4\uc6b4\ud398\uc774, \uc2e0\uc6a9\uc810\uc218, DTI, \uc784\ub300\uc218\uc785 \ubc18\uc601, \uc11c\ub958 \uc694\uac74\uae4c\uc9c0 \uc2b9\uc778\uc5d0 \uc601\ud5a5\uc744 \uc8fc\ub294 \ud575\uc2ec\uc744 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