{"id":398,"date":"2026-06-22T04:39:49","date_gmt":"2026-06-22T04:39:49","guid":{"rendered":"https:\/\/uribank.com\/wordpress1\/2026\/06\/22\/self-employed-loan-underwriting-key-points\/"},"modified":"2026-06-22T04:39:49","modified_gmt":"2026-06-22T04:39:49","slug":"self-employed-loan-underwriting-key-points","status":"publish","type":"post","link":"http:\/\/uribank.com\/wordpress1\/2026\/06\/22\/self-employed-loan-underwriting-key-points\/","title":{"rendered":"\uc790\uc601\uc5c5\uc790 \ub300\ucd9c\uc2ec\uc0ac \ud575\uc2ec\ud3ec\uc778\ud2b8 7\uac00\uc9c0"},"content":{"rendered":"

\ub9e4\ucd9c\uc740 \uafb8\uc900\ud55c\ub370 \uc138\uae08\ubcf4\uace0 \uc18c\ub4dd\uc774 \ub0ae\uac8c \uc7a1\ud600 \uc788\uace0, \uacc4\uc808\uc5d0 \ub530\ub77c \uc785\uae08 \ud328\ud134\ub3c4 \ub2e4\ub974\ub2e4\uba74 \uc740\ud589 \uc2ec\uc0ac\uc5d0\uc11c \ub2f5\ub2f5\ud568\uc744 \ub290\ub07c\uae30 \uc27d\uc2b5\ub2c8\ub2e4. \ud2b9\ud788 \uc8fc\ud0dd \uad6c\uc785\uc774\ub098 \ub9ac\ud30c\uc774\ub0b8\uc2a4\ub97c \uc900\ube44\ud558\ub294 \ubd84\ub4e4\uc5d0\uac8c \uc790\uc601\uc5c5\uc790 \ub300\ucd9c\uc2ec\uc0ac \ud575\uc2ec\ud3ec\uc778\ud2b8\ub294 \ub2e8\uc21c\ud788 \uc11c\ub958\ub97c \ub9ce\uc774 \ub0b4\ub294 \ubb38\uc81c\uac00 \uc544\ub2c8\ub77c, \uc2ec\uc0ac\uc790\uac00 \uc18c\ub4dd\uc758 \uc548\uc815\uc131\uacfc \uc0c1\ud658 \uac00\ub2a5\uc131\uc744 \uc5b4\ub5bb\uac8c \uc77d\ub294\uc9c0 \uc774\ud574\ud558\ub294 \ubb38\uc81c\uc5d0 \uac00\uae5d\uc2b5\ub2c8\ub2e4.<\/p>\n

\uc790\uc601\uc5c5\uc790 \ub300\ucd9c\uc740 \uc9c1\uc7a5\uc778 W-2 borrower\uc640 \uac19\uc740 \ubc29\uc2dd\uc73c\ub85c \ubcf4\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4. \ub9e4\ub2ec \uc77c\uc815 \uae09\uc5ec\uac00 \ub4e4\uc5b4\uc624\ub294 \uad6c\uc870\uac00 \uc544\ub2c8\uae30 \ub54c\ubb38\uc5d0, \uc2ec\uc0ac\uc5d0\uc11c\ub294 \uc138\uae08\ubcf4\uace0\uc11c\uc640 \uc740\ud589 \uac70\ub798\ub0b4\uc5ed, \uc0ac\uc5c5 \uc6b4\uc601\uae30\uac04, \uc0ac\uc5c5\uccb4\uc758 \ud604\uae08\ud750\ub984\uc744 \ud568\uaed8 \ubd05\ub2c8\ub2e4. \uadf8\ub798\uc11c “\ub9e4\ucd9c\uc774 \ub9ce\ub2e4”\ub294 \uc0ac\uc2e4\ub9cc\uc73c\ub85c \ucda9\ubd84\ud558\uc9c0 \uc54a\uace0, “\ub300\ucd9c \uc0c1\ud658\uc5d0 \uc0ac\uc6a9\ud560 \uc218 \uc788\ub294 \uc18c\ub4dd\uc774 \uc5bc\ub9c8\ub098 \uc548\uc815\uc801\uc73c\ub85c \uc99d\uba85\ub418\ub290\ub0d0”\uac00 \ub354 \uc911\uc694\ud569\ub2c8\ub2e4.<\/p>\n

\uc790\uc601\uc5c5\uc790 \ub300\ucd9c\uc2ec\uc0ac \ud575\uc2ec\ud3ec\uc778\ud2b8\ub294 \uc65c \ub2e4\ub97c\uae4c<\/h2>\n

\uc790\uc601\uc5c5\uc790\uc758 \uc7ac\uc815\uc740 \uac1c\uc778\uacfc \uc0ac\uc5c5\uc774 \uc11c\ub85c \uc5f0\uacb0\ub418\uc5b4 \uc788\uc2b5\ub2c8\ub2e4. \uc0ac\uc5c5 \ud655\uc7a5\uc744 \uc704\ud574 \ube44\uc6a9\uc744 \ub9ce\uc774 \ucc98\ub9ac\ud558\uba74 \uc138\uae08\uc0c1 \uc774\uc810\uc740 \uc0dd\uae30\uc9c0\ub9cc, \ub300\ucd9c\uc2ec\uc0ac\uc5d0\uc11c\ub294 \uc21c\uc18c\ub4dd\uc774 \ub0ae\uc544 \ubcf4\uc77c \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ubc18\ub300\ub85c \uc2e4\uc81c \ud604\uae08\ud750\ub984\uc740 \uc88b\uc740\ub370 \uc138\uae08\ubcf4\uace0 \uad6c\uc870 \ub54c\ubb38\uc5d0 \uc18c\ub4dd \uc778\uc815\uc774 \uc81c\ud55c\ub418\ub294 \uacbd\uc6b0\ub3c4 \uc801\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4.<\/p>\n

\uc5ec\uae30\uc11c \uc911\uc694\ud55c \uc810\uc740 \uc2ec\uc0ac \uae30\uc900\uc774 \ud558\ub098\ub85c \uace0\uc815\ub418\uc5b4 \uc788\uc9c0 \uc54a\ub2e4\ub294 \uac83\uc785\ub2c8\ub2e4. \ucee8\ubca4\uc154\ub110, \uc815\ubd80\uacc4\uc5f4 \ud504\ub85c\uadf8\ub7a8, \uc740\ud589 \ud3ec\ud2b8\ud3f4\ub9ac\uc624 \ud504\ub85c\uadf8\ub7a8, \uadf8\ub9ac\uace0 low doc \ud504\ub85c\uadf8\ub7a8\uc740 \uc790\uc601\uc5c5 \uc18c\ub4dd\uc744 \uc77d\ub294 \ubc29\uc2dd\uc774 \uc11c\ub85c \ub2e4\ub985\ub2c8\ub2e4. \ub530\ub77c\uc11c \uac19\uc740 borrower\ub77c\ub3c4 \uc5b4\ub290 \ud504\ub85c\uadf8\ub7a8\uc5d0 \ub123\ub290\ub0d0\uc5d0 \ub530\ub77c \uc2b9\uc778 \uac00\ub2a5\uc131\uacfc \ub300\ucd9c \ud55c\ub3c4\uac00 \ud06c\uac8c \ub2ec\ub77c\uc9c8 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

1. \uc138\uae08\ubcf4\uace0 \uc18c\ub4dd\uc774 \uccab \ubc88\uc9f8 \uae30\uc900\uc785\ub2c8\ub2e4<\/h2>\n

\ub300\ubd80\ubd84\uc758 \uc790\uc601\uc5c5\uc790 \uc2ec\uc0ac\uc5d0\uc11c \uac00\uc7a5 \uba3c\uc800 \ud655\uc778\ud558\ub294 \uc790\ub8cc\ub294 \uac1c\uc778 \uc138\uae08\ubcf4\uace0\uc640 \uc0ac\uc5c5\uccb4 \uc138\uae08\ubcf4\uace0\uc785\ub2c8\ub2e4. \ubcf4\ud1b5 \ucd5c\uadfc 2\ub144\uce58\ub97c \uae30\uc900\uc73c\ub85c \ubcf4\ub294 \uacbd\uc6b0\uac00 \ub9ce\uc9c0\ub9cc, \ud504\ub85c\uadf8\ub7a8\uc5d0 \ub530\ub77c 1\ub144\ub9cc\uc73c\ub85c \uac00\ub2a5\ud55c \uacbd\uc6b0\ub3c4 \uc788\uc2b5\ub2c8\ub2e4. \ub2e4\ub9cc 1\ub144 \ud504\ub85c\uadf8\ub7a8\uc740 \uc870\uac74\uc774 \ub354 \uae4c\ub2e4\ub86d\uac70\ub098 \uae08\ub9ac\uac00 \ub2e4\ub97c \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

\uc2ec\uc0ac\uc5d0\uc11c\ub294 \ucd1d\ub9e4\ucd9c\ubcf4\ub2e4 \uc21c\uc18c\ub4dd\uc5d0 \ub354 \uc8fc\ubaa9\ud569\ub2c8\ub2e4. \ub9ce\uc740 \uc790\uc601\uc5c5\uc790\ubd84\ub4e4\uc774 “\ub9e4\ucd9c\uc740 \ucda9\ubd84\ud55c\ub370 \uc65c \uc548 \ub418\ub290\ub0d0”\uace0 \ubb3b\uc9c0\ub9cc, \ub300\ucd9c \uc0c1\ud658\ub2a5\ub825\uc740 \uc2e4\uc81c\ub85c \ube44\uc6a9\uc744 \uc81c\uc678\ud55c \uc18c\ub4dd\uc744 \uae30\uc900\uc73c\ub85c \ud310\ub2e8\ud558\uae30 \ub54c\ubb38\uc785\ub2c8\ub2e4. \uc5ec\uae30\uc5d0 \uac10\uac00\uc0c1\uac01\uc774\ub098 \uc77c\ud68c\uc131 \ube44\uc6a9\ucc98\ub7fc \ub2e4\uc2dc \ub354\ud574\ubcfc \uc218 \uc788\ub294 \ud56d\ubaa9\uc774 \uc788\ub294\uc9c0, \uc0ac\uc5c5 \uad00\ub828 \uc190\uc2e4\uc774 \ubc18\ubcf5\uc801\uc778\uc9c0 \uc544\ub2cc\uc9c0\ub3c4 \ud568\uaed8 \uac80\ud1a0\ub429\ub2c8\ub2e4.<\/p>\n

\uc774 \ubd80\ubd84\uc5d0\uc11c \uac00\uc7a5 \ud754\ud55c \uc624\ud574\ub294 \uc138\uae08 \uc808\uc138\uc640 \ub300\ucd9c \uc2b9\uc778 \ubaa9\ud45c\uac00 \ud56d\uc0c1 \uac19\uc740 \ubc29\ud5a5\uc774\ub77c\uace0 \uc0dd\uac01\ud558\ub294 \uac83\uc785\ub2c8\ub2e4. \uc2e4\uc81c\ub85c\ub294 \ub2e4\ub97c \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc138\uae08\uc744 \ub0ae\ucd94\uae30 \uc704\ud574 \uc18c\ub4dd\uc744 \ud06c\uac8c \uc904\uc5ec \uc2e0\uace0\ud558\uba74, \ucd94\ud6c4 \uc8fc\ud0dd\uc735\uc790\ub97c \ubc1b\uc744 \ub54c \uc778\uc815\uc18c\ub4dd\uc774 \ubd80\uc871\ud574\uc9c8 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc9d1 \uad6c\uc785 \uacc4\ud68d\uc774 6\uac1c\uc6d4\uc5d0\uc11c 12\uac1c\uc6d4 \uc548\uc5d0 \uc788\ub2e4\uba74, \uc138\ubb34\uc640 \ub300\ucd9c \uc804\ub7b5\uc744 \ub530\ub85c \ubcf4\uc9c0 \ub9d0\uace0 \ud568\uaed8 \uc810\uac80\ud560 \ud544\uc694\uac00 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

2. \uc0ac\uc5c5 \uc6b4\uc601\uae30\uac04\uc740 \uc548\uc815\uc131 \ud310\ub2e8\uc5d0 \uc9c1\uc811 \uc5f0\uacb0\ub429\ub2c8\ub2e4<\/h2>\n

\uac19\uc740 \uc18c\ub4dd\uc774\ub77c\ub3c4 \uc0ac\uc5c5\uc744 \uc2dc\uc791\ud55c \uc9c0 3\uac1c\uc6d4 \ub41c \uacbd\uc6b0\uc640 3\ub144 \uc774\uc0c1 \uc6b4\uc601\ud55c \uacbd\uc6b0\uc758 \uc2ec\uc0ac \uacb0\uacfc\ub294 \ub2e4\ub974\uac8c \ub098\uc62c \uac00\ub2a5\uc131\uc774 \ud07d\ub2c8\ub2e4. \uc774\uc720\ub294 \ub2e8\uc21c\ud569\ub2c8\ub2e4. \uc2ec\uc0ac\uc790\ub294 \ud604\uc7ac \uc18c\ub4dd\uc774 \uc55e\uc73c\ub85c\ub3c4 \uc774\uc5b4\uc9c8 \uac00\ub2a5\uc131\uc744 \ud655\uc778\ud558\ub824\uace0 \ud558\uae30 \ub54c\ubb38\uc785\ub2c8\ub2e4.<\/p>\n

\uc77c\ubc18\uc801\uc73c\ub85c 2\ub144 \uc774\uc0c1 \uac19\uc740 \uc5c5\uc885\uc5d0\uc11c \uc790\uc601\uc5c5\uc744 \uc720\uc9c0\ud588\ub2e4\uba74 \uc124\uba85\uc774 \uc26c\uc6cc\uc9d1\ub2c8\ub2e4. \uadf8\ub7ec\ub098 2\ub144\uc774 \uc548 \ub418\ub354\ub77c\ub3c4 \uac00\ub2a5\uc131\uc774 \uc5c6\ub294 \uac83\uc740 \uc544\ub2d9\ub2c8\ub2e4. \uc774\uc804\uc5d0 \uac19\uc740 \uc5c5\uc885\uc5d0\uc11c W-2 employee\ub098 1099 contractor\ub85c \uc77c\ud55c \uacbd\ub825\uc774 \uc788\uace0, \uadf8 \uc5f0\uc7a5\uc120\uc5d0\uc11c \uc0ac\uc5c5\uc744 \uc2dc\uc791\ud588\ub2e4\uba74 \uae0d\uc815\uc801\uc73c\ub85c \ud574\uc11d\ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ubc18\ub300\ub85c \uc5c5\uc885\uc774 \uc644\uc804\ud788 \ubc14\ub00c\uc5c8\uac70\ub098 \ucd5c\uadfc \uc218\uc785 \ubcc0\ub3d9\uc774 \ud06c\ub2e4\uba74 \ucd94\uac00 \uc124\uba85\uc774 \ud544\uc694\ud569\ub2c8\ub2e4.<\/p>\n

\uc774\ub54c \uc911\uc694\ud55c \uac83\uc740 \uc0ac\uc5c5 \ub77c\uc774\uc120\uc2a4, CPA letter, business bank statement, invoice history\ucc98\ub7fc \uc6b4\uc601 \uc2e4\uccb4\ub97c \ubcf4\uc5ec\uc8fc\ub294 \uc790\ub8cc\uc785\ub2c8\ub2e4. \uc11c\ub958\ub294 \ub9ce\uc744\uc218\ub85d \uc88b\uc740 \uac83\uc774 \uc544\ub2c8\ub77c, \ud604\uc7ac \uc0ac\uc5c5\uc774 \uc2e4\uc81c\ub85c \uc548\uc815\uc801\uc73c\ub85c \ub3cc\uc544\uac00\uace0 \uc788\uc74c\uc744 \ub17c\ub9ac\uc801\uc73c\ub85c \ubcf4\uc5ec\uc918\uc57c \ud569\ub2c8\ub2e4.<\/p>\n

3. \uc785\uae08 \uaddc\ubaa8\ubcf4\ub2e4 \ud604\uae08\ud750\ub984\uc758 \uc77c\uad00\uc131\uc774 \uc911\uc694\ud569\ub2c8\ub2e4<\/h2>\n

\uc790\uc601\uc5c5\uc790\ub294 \uc6d4\ubcc4 \ub9e4\ucd9c \ud3b8\ucc28\uac00 \uc788\ub294 \uacbd\uc6b0\uac00 \ub9ce\uc2b5\ub2c8\ub2e4. \uadf8\ub798\uc11c \uc5b4\ub5a4 \ub2ec\uc5d0 \uc785\uae08\uc774 \ub9ce\uc774 \ub4e4\uc5b4\uc654\ub294\uc9c0\ubcf4\ub2e4, \uc77c\uc815 \uae30\uac04 \ub3d9\uc548 \uafb8\uc900\ud55c \uc601\uc5c5 \ud65c\ub3d9\uc774 \uc788\uc5c8\ub294\uc9c0\uac00 \ub354 \uc911\uc694\ud569\ub2c8\ub2e4. bank statement program\uc744 \uac80\ud1a0\ud558\ub294 \uacbd\uc6b0\ub77c\uba74 \uc774 \ubd80\ubd84\uc774 \ud2b9\ud788 \uc9c1\uc811\uc801\uc73c\ub85c \ubc18\uc601\ub429\ub2c8\ub2e4.<\/p>\n

\uc2ec\uc0ac\uc790\ub294 \ubcf4\ud1b5 \ub300\ud615 \uc77c\ud68c\uc131 \uc785\uae08, \uc124\uba85\uc774 \uc5b4\ub824\uc6b4 \ud604\uae08 \uc785\uae08, \uac1c\uc778\uacc4\uc88c\uc640 \uc0ac\uc5c5\uacc4\uc88c\uac00 \uc11e\uc5ec \uc788\ub294 \ud328\ud134\uc744 \uc8fc\uc758 \uae4a\uac8c \ubd05\ub2c8\ub2e4. \uc774\ub7f0 \ud750\ub984\uc740 \uc2e4\uc81c \uc0ac\uc5c5\ub9e4\ucd9c\uc778\uc9c0, \uc77c\uc2dc\uc801 \uc790\uae08 \uc774\ub3d9\uc778\uc9c0 \uad6c\ubd84\ud558\uae30 \uc5b4\ub835\uae30 \ub54c\ubb38\uc785\ub2c8\ub2e4. \ub530\ub77c\uc11c \uac00\ub2a5\ud558\uba74 \uc0ac\uc5c5\uc6a9 \uacc4\uc88c\ub97c \ubd84\ub9ac\ud574\uc11c \uc0ac\uc6a9\ud558\uace0, \ub9e4\ucd9c\uacfc \ube44\uc6a9 \ud750\ub984\uc744 \uba85\ud655\ud558\uac8c \uad00\ub9ac\ud558\ub294 \ud3b8\uc774 \uc720\ub9ac\ud569\ub2c8\ub2e4.<\/p>\n

\ud604\uae08 \ube44\uc911\uc774 \ub192\uc740 \uc5c5\uc885\uc774\ub77c\uba74 \ub354 \uc138\uc2ec\ud55c \uc900\ube44\uac00 \ud544\uc694\ud569\ub2c8\ub2e4. \ud604\uae08 \ub9e4\ucd9c \uc790\uccb4\uac00 \ubd88\ub9ac\ud558\ub2e4\ub294 \ub73b\uc740 \uc544\ub2c8\uc9c0\ub9cc, \uc785\uae08 \uaddc\uce59\uc131\uc774 \uc5c6\uac70\ub098 \uae30\ub85d\uc774 \ubd88\ucda9\ubd84\ud558\uba74 \uc778\uc815 \uac00\ub2a5\ud55c \uc18c\ub4dd\uc73c\ub85c \uc5f0\uacb0\ud558\uae30 \uc5b4\ub835\uc2b5\ub2c8\ub2e4. \uacb0\uad6d \ub300\ucd9c\uc740 “\ubc8c\uace0 \uc788\ub2e4”\uac00 \uc544\ub2c8\ub77c “\uc99d\uba85\ud560 \uc218 \uc788\ub2e4”\uc758 \ubb38\uc81c\uc785\ub2c8\ub2e4.<\/p>\n

4. DTI\uc640 \ubd80\ucc44 \uad6c\uc870\ub97c \ud568\uaed8 \ubd10\uc57c \ud569\ub2c8\ub2e4<\/h2>\n

\uc790\uc601\uc5c5\uc790 \ub300\ucd9c\uc2ec\uc0ac \ud575\uc2ec\ud3ec\uc778\ud2b8\uc5d0\uc11c \uc18c\ub4dd\ub9cc\ud07c \uc911\uc694\ud55c \uac83\uc774 \ubd80\ucc44\ube44\uc728\uc785\ub2c8\ub2e4. DTI\ub294 \uc6d4 \uc18c\ub4dd \ub300\ube44 \uc6d4 \ubd80\ucc44\uc0c1\ud658\uc561\uc758 \ube44\uc728\uc778\ub370, \uc5ec\uae30\uc5d0\ub294 \uc8fc\ud0dd \uad00\ub828 \ube44\uc6a9\ubfd0 \uc544\ub2c8\ub77c \uc790\ub3d9\ucc28 \ud560\ubd80, \ud559\uc790\uae08, credit card minimum payment, \ub2e4\ub978 \ud22c\uc790\ubd80\ub3d9\uc0b0 mortgage payment \ub4f1\uc774 \ud3ec\ud568\ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

\ubb38\uc81c\ub294 \uc790\uc601\uc5c5\uc790\uc758 \uacbd\uc6b0 \uc778\uc815\uc18c\ub4dd\uc774 \uc0dd\uac01\ubcf4\ub2e4 \ub0ae\uac8c \uacc4\uc0b0\ub420 \uc218 \uc788\ub2e4\ub294 \uc810\uc785\ub2c8\ub2e4. \uadf8\ub7ec\uba74 \uc2e4\uc81c \uc0dd\ud65c\uc0c1 \uc5ec\uc720\uac00 \uc788\uc5b4\ub3c4 \uc2ec\uc0ac\uc0c1 DTI\uac00 \ub192\uac8c \ub098\uc62c \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub7f4 \ub54c\ub294 \ub2e8\uc21c\ud788 \ub300\ucd9c \uc2e0\uccad\ub9cc \ubc18\ubcf5\ud558\uae30\ubcf4\ub2e4, \uc5b4\ub5a4 \ubd80\ucc44\ub97c \uba3c\uc800 \uc815\ub9ac\ud558\uba74 \ud6a8\uacfc\uac00 \ud070\uc9c0, \ub2e4\uc6b4\ud398\uc774\uba3c\ud2b8\ub97c \uc870\uc815\ud558\ub294 \uac83\uc774 \ub098\uc740\uc9c0, \ud639\uc740 \uc18c\ub4dd \uc0b0\uc815 \ubc29\uc2dd\uc774 \ub2e4\ub978 \ud504\ub85c\uadf8\ub7a8\uc73c\ub85c \ubc14\uafb8\ub294 \uac83\uc774 \ub9de\ub294\uc9c0 \ud310\ub2e8\ud574\uc57c \ud569\ub2c8\ub2e4.<\/p>\n

\ud2b9\ud788 investment property\ub97c \uc774\ubbf8 \ubcf4\uc720\ud55c \ubd84\ub4e4\uc740 \uc784\ub300\uc218\uc785 \ubc18\uc601 \ubc29\uc2dd\ub3c4 \uac19\uc774 \ud655\uc778\ud574\uc57c \ud569\ub2c8\ub2e4. \uc138\uae08\ubcf4\uace0\uc0c1 \uc784\ub300\uc18c\ub4dd\uacfc \uc2e4\uc81c cash flow \uc0ac\uc774\uc5d0 \ucc28\uc774\uac00 \uc788\ub294 \uacbd\uc6b0\uac00 \ub9ce\uae30 \ub54c\ubb38\uc785\ub2c8\ub2e4. \uc2ec\uc0ac\ub294 \ucd1d\uc790\uc0b0 \uaddc\ubaa8\ubcf4\ub2e4 \uc6d4 \uc0c1\ud658\ubd80\ub2f4\uc758 \uad6c\uc870\ub97c \ub354 \ubbfc\uac10\ud558\uac8c \ubd05\ub2c8\ub2e4.<\/p>\n

5. \ub2e4\uc6b4\ud398\uc774\uba3c\ud2b8\uc640 \ub9ac\uc800\ube0c\ub294 \uc2b9\uc778\ub825\uc5d0 \ud070 \uc601\ud5a5\uc744 \uc90d\ub2c8\ub2e4<\/h2>\n

\ub9ce\uc740 borrower\uac00 \uae08\ub9ac\ub9cc \uba3c\uc800 \ubcf4\uc9c0\ub9cc, \uc2e4\uc81c \uc2ec\uc0ac\uc5d0\uc11c\ub294 \uc790\uae08\uad6c\uc870\uac00 \uc0c1\ub2f9\ud788 \uc911\uc694\ud569\ub2c8\ub2e4. \ub2e4\uc6b4\ud398\uc774\uba3c\ud2b8\uac00 \ucda9\ubd84\ud558\uace0 closing \ud6c4\uc5d0\ub3c4 reserve fund\uac00 \ub0a8\uc544 \uc788\uc73c\uba74, \uc2ec\uc0ac\uc790\ub294 \uc608\uc0c1\uce58 \ubabb\ud55c \ub9e4\ucd9c \ubcc0\ub3d9\uc774 \uc0dd\uaca8\ub3c4 \ub300\ucd9c \uc0c1\ud658\uc774 \uac00\ub2a5\ud558\ub2e4\uace0 \ud310\ub2e8\ud558\uae30 \uc27d\uc2b5\ub2c8\ub2e4.<\/p>\n

\ubc18\ub300\ub85c \uacc4\uc88c \uc794\uc561\uc774 \uac04\uc2e0\ud788 \ub9de\ucdb0\uc9c4 \uc0c1\ud0dc\uc774\uac70\ub098, \uacc4\uc57d \uc9c1\uc804\uc5d0 \ud070 \uae08\uc561\uc774 \uac11\uc790\uae30 \uc785\uae08\ub418\uba74 source of funds\ub97c \ucd94\uac00\ub85c \uc124\uba85\ud574\uc57c \ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc790\uae08 \ucd9c\ucc98\uac00 \ubd88\ubd84\uba85\ud558\uba74 \uc2ec\uc0ac\uac00 \ub2a6\uc5b4\uc9c0\uace0, \uacbd\uc6b0\uc5d0 \ub530\ub77c \uc778\uc815\ub418\uc9c0 \uc54a\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ub530\ub77c\uc11c \ub2e4\uc6b4\ud398\uc774\uba3c\ud2b8 \uc790\uae08\uc740 \uac00\ub2a5\ud55c \ud55c \ubbf8\ub9ac \uc900\ube44\ud558\uace0, gift fund\ub098 \ud574\uc678\uc790\uae08 \uc1a1\uae08\uc774 \ud3ec\ud568\ub41c\ub2e4\uba74 \ucd08\uae30\uc5d0 \uad6c\uc870\ub97c \uc815\ub9ac\ud558\ub294 \uac83\uc774 \uc88b\uc2b5\ub2c8\ub2e4.<\/p>\n

\uc678\uad6d \uad6d\uc801\uc790\ub098 \ucd5c\uadfc \ubbf8\uad6d \ub0b4 \uae08\uc735\uae30\ub85d\uc774 \uc9e7\uc740 \uacbd\uc6b0\uc5d0\ub294 \uc774 \ubd80\ubd84\uc774 \ub354 \uc911\uc694\ud558\uac8c \uc791\uc6a9\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc2e0\uc6a9 \uc774\ub825\ub9cc\uc73c\ub85c \uc124\uba85\uc774 \ubd80\uc871\ud55c \uc0c1\ud669\uc5d0\uc11c\ub294 \uc790\uc0b0\uacfc \uc720\ub3d9\uc131\uc774 \ubcf4\uc644 \uc694\uc18c\uac00 \ub418\uae30 \ub54c\ubb38\uc785\ub2c8\ub2e4.<\/p>\n

6. \uc2e0\uc6a9\uc810\uc218\ub294 \ubb38\uc744 \uc5f4\uc5b4\uc8fc\uc9c0\ub9cc, \uc804\ubd80\ub294 \uc544\ub2d9\ub2c8\ub2e4<\/h2>\n

\uc2e0\uc6a9\uc810\uc218\uac00 \ub192\uc73c\uba74 \ubd84\uba85 \uc720\ub9ac\ud569\ub2c8\ub2e4. \ub354 \uc88b\uc740 \ud504\ub85c\uadf8\ub7a8 \uc120\ud0dd\uc774 \uac00\ub2a5\ud558\uace0, \uae08\ub9ac\ub098 \ube44\uc6a9 \uba74\uc5d0\uc11c\ub3c4 \uc870\uac74\uc774 \ub098\uc544\uc9c8 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ud558\uc9c0\ub9cc \uc790\uc601\uc5c5\uc790 \uc2ec\uc0ac\uc5d0\uc11c\ub294 \ub192\uc740 credit score \ud558\ub098\ub9cc\uc73c\ub85c \uc18c\ub4dd \ubb38\uc11c \ubb38\uc81c\ub97c \ub36e\uc744 \uc218\ub294 \uc5c6\uc2b5\ub2c8\ub2e4.<\/p>\n

\ubc18\ub300\ub85c \uc810\uc218\uac00 \uc644\ubcbd\ud558\uc9c0 \uc54a\uc544\ub3c4 \uc2b9\uc778 \uae30\ud68c\uac00 \uc788\ub294 \uacbd\uc6b0\ub294 \ub9ce\uc2b5\ub2c8\ub2e4. \ucd5c\uadfc \uc5f0\uccb4\uac00 \uc5c6\uace0, \uc804\uccb4 \ubd80\ucc44 \uad00\ub9ac\uac00 \uc548\uc815\uc801\uc774\uba70, \ub300\ucd9c \ubaa9\uc801\uacfc \uc790\uae08\uad6c\uc870\uac00 \ud569\ub9ac\uc801\uc774\ub77c\uba74 \ud504\ub85c\uadf8\ub7a8 \uc120\ud0dd \ud3ed\uc740 \ub0a8\uc544 \uc788\uc2b5\ub2c8\ub2e4. \uadf8\ub798\uc11c \uc810\uc218\ub9cc \ubcf4\uace0 \ud3ec\uae30\ud558\uae30\ubcf4\ub2e4, \ud604\uc7ac \uc2e0\uc6a9\uc0c1\ud0dc\uac00 \uc5b4\ub5a4 loan product\uc640 \ub9de\ub294\uc9c0 \ubcf4\ub294 \uc811\uadfc\uc774 \ub354 \ud604\uc2e4\uc801\uc785\ub2c8\ub2e4.<\/p>\n

\uc5ec\uae30\uc11c \uc790\uc8fc \ub193\uce58\ub294 \ubd80\ubd84\uc774 credit inquiry\ub098 \uc2e0\uaddc \ubd80\ucc44\uc785\ub2c8\ub2e4. \uc9d1\uc744 \uc0ac\uae30 \uc9c1\uc804 \uc790\ub3d9\ucc28\ub97c \uc0c8\ub85c \ub9ac\uc2a4\ud558\uac70\ub098, business line of credit \uc0ac\uc6a9\uc561\uc774 \uae09\uc99d\ud558\uba74 \uc2b9\uc778 \uc870\uac74\uc774 \ub2ec\ub77c\uc9c8 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ub300\ucd9c \uc9c4\ud589 \uc911\uc5d0\ub294 \uc7ac\uc815 \uad6c\uc870\ub97c \ud06c\uac8c \ubc14\uafb8\uc9c0 \uc54a\ub294 \uac83\uc774 \uc548\uc804\ud569\ub2c8\ub2e4.<\/p>\n

7. \uc11c\ub958\ub97c \ub9ce\uc774 \ub0b4\ub294 \uac83\ubcf4\ub2e4 \ub9de\uac8c \ub0b4\ub294 \uac83\uc774 \uc911\uc694\ud569\ub2c8\ub2e4<\/h2>\n

\uc2e4\ubb34\uc5d0\uc11c \uac00\uc7a5 \ub9ce\uc774 \uc9c0\uc5f0\ub418\ub294 \uc774\uc720\ub294 \uc11c\ub958 \ubd80\uc871\ubcf4\ub2e4 \uc11c\ub958 \ubd88\uc77c\uce58\uc785\ub2c8\ub2e4. \uc138\uae08\ubcf4\uace0 \uc22b\uc790\uc640 loan application\uc758 \uc22b\uc790\uac00 \ub2e4\ub974\uac70\ub098, bank statement \uc785\uae08 \ud750\ub984\uacfc \uc124\uba85 \uc790\ub8cc\uac00 \ub9de\uc9c0 \uc54a\uc73c\uba74 underwriter\ub294 \ucd94\uac00 \uc9c8\ubb38\uc744 \ud560 \uc218\ubc16\uc5d0 \uc5c6\uc2b5\ub2c8\ub2e4.<\/p>\n

\uc790\uc601\uc5c5\uc790\ub77c\uba74 \uae30\ubcf8\uc801\uc73c\ub85c \ucd5c\uadfc \uc138\uae08\ubcf4\uace0, business bank statement, personal bank statement, photo ID, \uc0ac\uc5c5 \uad00\ub828 \ub77c\uc774\uc120\uc2a4 \ub610\ub294 \ub4f1\ub85d\uc790\ub8cc, \uadf8\ub9ac\uace0 \ud544\uc694\uc2dc P&L\uc774\ub098 CPA letter\uac00 \uc694\uad6c\ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ub2e4\ub9cc \ubaa8\ub4e0 \ucf00\uc774\uc2a4\uac00 \uac19\uc9c0\ub294 \uc54a\uc2b5\ub2c8\ub2e4. \uc5b4\ub5a4 \ud504\ub85c\uadf8\ub7a8\uc740 tax return \uc911\uc2ec\uc774\uace0, \uc5b4\ub5a4 \ud504\ub85c\uadf8\ub7a8\uc740 bank statement \uc911\uc2ec\uc774\uba70, \uc5b4\ub5a4 \uacbd\uc6b0\ub294 asset utilization\uc774\ub098 DSCR \uc131\uaca9\uc758 \uc811\uadfc\uc774 \ub354 \uc801\ud569\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

\uadf8\ub798\uc11c \uc2dc\uc791 \ub2e8\uacc4\uc5d0\uc11c \uac00\uc7a5 \uc911\uc694\ud55c \uac83\uc740 “\ub098\ub294 \ubb34\uc5c7\uc744 \uc81c\ucd9c\ud560 \uc218 \uc788\ub294\uac00”\ubcf4\ub2e4 “\uc5b4\ub5a4 \ubc29\uc2dd\uc73c\ub85c \uc2ec\uc0ac\ubc1b\ub294 \uac83\uc774 \uac00\uc7a5 \uc720\ub9ac\ud55c\uac00”\ub97c \uba3c\uc800 \uc815\ud558\ub294 \uac83\uc785\ub2c8\ub2e4. URI Financial \uac19\uc740 mortgage advisor \uc911\uc2ec \uad6c\uc870\uac00 \ub3c4\uc6c0\uc774 \ub418\ub294 \uc774\uc720\ub3c4 \uc5ec\uae30\uc5d0 \uc788\uc2b5\ub2c8\ub2e4. \ud55c \uc740\ud589 \uae30\uc900\uc5d0 \uc5b5\uc9c0\ub85c \ub9de\ucd94\uae30\ubcf4\ub2e4, borrower\uc758 \uc18c\ub4dd \uad6c\uc870\uc640 \uc2e0\ubd84 \uc0c1\ud0dc, \ubd80\ub3d9\uc0b0 \ubaa9\uc801\uc5d0 \ub9de\ub294 \ud504\ub85c\uadf8\ub7a8\uc744 \ucc3e\ub294 \uac83\uc774 \uacb0\uacfc\ub97c \ubc14\uafb8\ub294 \uacbd\uc6b0\uac00 \ub9ce\uc2b5\ub2c8\ub2e4.<\/p>\n

\uc2b9\uc778 \uac00\ub2a5\uc131\uc744 \ub192\uc774\ub824\uba74 \uc5b8\uc81c \uc900\ube44\ud574\uc57c \ud560\uae4c<\/h2>\n

\uac00\uc7a5 \uc88b\uc740 \uc2dc\uc810\uc740 \uacc4\uc57d\uc11c \uc791\uc131 \ud6c4\uac00 \uc544\ub2c8\ub77c \uadf8 \uc804\uc785\ub2c8\ub2e4. \uc790\uc601\uc5c5\uc790\ub294 \uc138\uae08\ubcf4\uace0 \uc9c1\ud6c4 \uc22b\uc790\uac00 \ubc14\ub00c\uae30\ub3c4 \ud558\uace0, \uc0ac\uc5c5\ube44 \uc9c0\ucd9c \ud328\ud134 \ud558\ub098\uac00 \uc778\uc815\uc18c\ub4dd\uc5d0 \uc601\ud5a5\uc744 \uc904 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc9d1\uc744 \uc0ac\uae30 3\uac1c\uc6d4 \uc804\ubd80\ud130\ub77c\ub3c4 \uc18c\ub4dd, \uc790\uc0b0, \ubd80\ucc44, \uc2e0\uc6a9, \uc11c\ub958 \uc815\ud569\uc131\uc744 \uc810\uac80\ud558\uba74 \uc120\ud0dd\uc9c0\uac00 \ub113\uc5b4\uc9d1\ub2c8\ub2e4.<\/p>\n

\ud2b9\ud788 \ubcf8\uc778\uc774 \uc790\uc601\uc5c5\uc790\uc774\uba74\uc11c \uc678\uad6d \uad6d\uc801\uc790\uc774\uac70\ub098, 1099 income\uacfc business income\uc774 \uc11e\uc5ec \uc788\uac70\ub098, \uc5ec\ub7ec \ubd80\ub3d9\uc0b0\uc744 \ubcf4\uc720\ud55c \uacbd\uc6b0\ub77c\uba74 \uc77c\ubc18\uc801\uc778 \uc740\ud589 \ucc3d\uad6c \ubc29\uc2dd\uc73c\ub85c\ub294 \ucda9\ubd84\ud55c \uc124\uba85\uc744 \ub4e3\uae30 \uc5b4\ub824\uc6b8 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub7f4\uc218\ub85d \uc2ec\uc0ac \ud3ec\uc778\ud2b8\ub97c \uba3c\uc800 \uc774\ud574\ud558\uace0 \ub4e4\uc5b4\uac00\ub294 \uac83\uc774 \uc2dc\uac04\uacfc \ube44\uc6a9\uc744 \uc904\uc785\ub2c8\ub2e4.<\/p>\n

\uc790\uc601\uc5c5 \ub300\ucd9c\uc740 \uc5b4\ub835\ub2e4\uae30\ubcf4\ub2e4, \ub9de\ub294 \uae30\uc900\uc73c\ub85c \uc900\ube44\ud558\uc9c0 \uc54a\uc73c\uba74 \ubd88\ub9ac\ud574\uc9c0\uae30 \uc26c\uc6b4 \uc601\uc5ed\uc785\ub2c8\ub2e4. \uc0ac\uc5c5\uc744 \uc798 \uc6b4\uc601\ud558\ub294 \uac83\uacfc \ub300\ucd9c\uc2ec\uc0ac\ub97c \uc798 \ud1b5\uacfc\ud558\ub294 \uac83\uc740 \uac19\uc740 \uc77c\uc774 \uc544\ub2c8\ubbc0\ub85c, \uc8fc\ud0dd \uad6c\uc785\uc774\ub098 \ub9ac\ud30c\uc774\ub0b8\uc2a4\ub97c \uacc4\ud68d\ud558\uace0 \uc788\ub2e4\uba74 \uc9c0\uae08 \ub0b4 \uc18c\ub4dd\uc774 \uc2ec\uc0ac\uc5d0\uc11c \uc5b4\ub5bb\uac8c \uc77d\ud790\uc9c0\ubd80\ud130 \uc810\uac80\ud574 \ubcf4\uc2dc\uae30 \ubc14\ub78d\ub2c8\ub2e4.<\/p>\n","protected":false},"excerpt":{"rendered":"

\uc790\uc601\uc5c5\uc790 \ub300\ucd9c\uc2ec\uc0ac \ud575\uc2ec\ud3ec\uc778\ud2b8\ub97c \uc774\ud574\ud558\uba74 \uc2b9\uc778 \uac00\ub2a5\uc131\uc744 \ub192\uc77c \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc18c\ub4dd \uc99d\ube59, \uc138\uae08\ubcf4\uace0, DTI, \ud604\uae08\ud750\ub984, \uc900\ube44 \uc11c\ub958\uae4c\uc9c0 \uc2e4\ubb34 \uae30\uc900\uc73c\ub85c \uc815\ub9ac\ud588\uc2b5\ub2c8\ub2e4.<\/p>\n","protected":false},"author":3,"featured_media":0,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center 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\uac00\ub2a5\uc131\uc744 \ub192\uc77c \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc18c\ub4dd \uc99d\ube59, \uc138\uae08\ubcf4\uace0, DTI, \ud604\uae08\ud750\ub984, \uc900\ube44 \uc11c\ub958\uae4c\uc9c0 \uc2e4\ubb34 \uae30\uc900\uc73c\ub85c \uc815\ub9ac\ud588\uc2b5\ub2c8\ub2e4.","_links":{"self":[{"href":"http:\/\/uribank.com\/wordpress1\/wp-json\/wp\/v2\/posts\/398","targetHints":{"allow":["GET"]}}],"collection":[{"href":"http:\/\/uribank.com\/wordpress1\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"http:\/\/uribank.com\/wordpress1\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"http:\/\/uribank.com\/wordpress1\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"http:\/\/uribank.com\/wordpress1\/wp-json\/wp\/v2\/comments?post=398"}],"version-history":[{"count":0,"href":"http:\/\/uribank.com\/wordpress1\/wp-json\/wp\/v2\/posts\/398\/revisions"}],"wp:attachment":[{"href":"http:\/\/uribank.com\/wordpress1\/wp-json\/wp\/v2\/media?parent=398"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/uribank.com\/wordpress1\/wp-json\/wp\/v2\/categories?post=398"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/uribank.com\/wordpress1\/wp-json\/wp\/v2\/tags?post=398"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}