{"id":62,"date":"2026-08-15T09:37:24","date_gmt":"2026-08-15T13:37:24","guid":{"rendered":"https:\/\/balancekim.com\/mortgage\/?page_id=62"},"modified":"2026-08-21T08:34:32","modified_gmt":"2026-08-21T12:34:32","slug":"3steps","status":"publish","type":"page","link":"https:\/\/balancekim.com\/mortgage\/ko\/3steps\/","title":{"rendered":"Mortgage 3 Steps"},"content":{"rendered":"


Step 1: Credit Report<\/h2>\n\n\n\n

Credit Report\ub294 \ub2e8\uc21c\ud788 \uc810\uc218\ub97c \ubcf4\uc5ec\uc8fc\ub294\uac8c \uc544\ub2d9\ub2c8\ub2e4. \uac70\uae30\uc5d0\ub294 \uae08\uc735\uc5d0 \uad00\ud55c \ubaa8\ub4e0 \uc0ac\ud56d\uc774 \uc790\uc138\ud788 \uc801\ud600 \uc788\uc2b5\ub2c8\ub2e4. \uadf8 \uc911 \uc774\uc804\uc5d0 \ubaa8\uae30\uc9c0\ub97c \ubc1b\uc544 \uc5f0\uccb4\ud558\uac70\ub098 \uac1a\uc9c0 \uc54a\uc740 \uacbd\uc6b0\uac00 \uc788\ub2e4\uba74 \uac70\uc758 \ub860\uc774 \ub098\uc624\uae30 \uc5b4\ub835\uc2b5\ub2c8\ub2e4. \ucd5c\uadfc\uc5d0 \ud30c\uc0b0\uc774\ub098 \ub4f1\ub4f1 \uae08\uc735\uc5d0 \uad00\ub828\ub41c \uac74\uc774 \uc788\uc5b4\ub3c4 \uc5b4\ub835\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n

\uc810\uc218\uac00 680 or higher<\/strong> \ub77c\uba74 \uc77c\ub2e8 \uc624\ucf00\uc774\uc785\ub2c8\ub2e4. \ud558\uc9c0\ub9cc 740 or higher<\/strong> \uac00 \uc548\uc815\uc801\uc785\ub2c8\ub2e4. \uc810\uc218\ub294 \uc138 \uac1c\uc758 \uae30\uad00\uc5d0\uc11c \ubf51\uc740 \uc810\uc218 \uc911 \uac00\uc6b4\ub370 \uc810\uc218\ub97c \uc0ac\uc6a9\ud558\uace0, \ub458 \uc774\uc0c1\uc774\uba74 \ub458 \uc911 \ub354 \ub0ae\uc740 \uc0ac\ub78c\uc758 \uac00\uc6b4\ub370 \uc810\uc218\ub97c \uc0ac\uc6a9\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n

<\/div>\n\n\n\n
\"Can<\/figure>\n\n\n\n
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Step 2: Down Payment<\/h2>\n\n\n\n

\ub2e4\uc6b4\ud398\uc774\ud560 \ub3c8\uc740 \ucd5c\uc18c 3%\ubd80\ud130 \uac00\ub2a5\ud558\uc9c0\ub9cc \ubcf4\ud1b5\uc740 20% \uc774\uc0c1\uc744 \ucd94\ucc9c\ud569\ub2c8\ub2e4. \ud2b9\ud788 \ud0dd\uc2a4 \ubcf4\uace0\ub97c \ub9ce\uc774 \uc548 \ud588\uc73c\uba74 \ubcf4\ud1b5 20% \uc774\uc0c1\uc744 \uc694\uad6c\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n

\uc704 Step 1 & 2\uc758 \ub450 \uc870\uac74\uc740 \uac04\ub2e8\ud569\ub2c8\ub2e4. \uc870\uac74 \ucda9\uc871\uc774\uba74 ok, \uc544\ub2c8\uba74 \uc5b4\ub835\ub2e4. \uc704 \uc870\uac74\uc744 \ud1b5\uacfc\ud574\ub3c4 \uacb0\uad6d \ud575\uc2ec\uc740 \ub2e4\uc74c Step 3\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n

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Step 3: Income<\/h2>\n\n\n\n

\ub860\uc744 \ubc1b\uc744 \uc218 \uc788\ub294 \uae08\uc561\uc740 \ub300\ub7b5 \uc778\ucef4\uc758 4\ubc30 \uc815\ub3c4\uc785\ub2c8\ub2e4. 10\ub9cc\ubd88 \uc778\ucef4\uc774\uba74 \ub300\ub7b5 40\ub9cc \uc815\ub3c4\ub97c \ubc1b\uc744 \uc218 \uc788\ub2e4\ub294 \uc598\uae41\ub2c8\ub2e4. <\/p>\n\n\n\n

\uc5ec\uae30\uc5d0 \ub2e4\uc6b4\ud398\uc774 \uae08\uc561\uc744 \ub354\ud558\uba74 \ub0b4\uac00 \uc0b4 \uc218 \uc788\ub294 \uc9d1 \uae08\uc561\uc774 \ub429\ub2c8\ub2e4. \uc774\uc81c \ub9c8\uc9c0\ub9c9 \uad00\ubb38\uc740 '\uc5b4\ub5bb\uac8c \uc778\ucef4\uc744 \uc785\uc99d\ud560\uae4c' \uc785\ub2c8\ub2e4.<\/p>\n\n\n\n

\uac00\uc7a5 \uac04\ub2e8\ud55c \ubc29\ubc95\uc740 Tax Returns\uc785\ub2c8\ub2e4.<\/strong>\uc989 \ubaa8\ub4e0 \uc0d0\ub7ec\ub9ac\uc640 \uae30\ud0c0 \uace0\uc815\uc801\uc73c\ub85c \ub4e4\uc5b4\uc624\ub294 \uae08\uc561\uc774 \ubaa8\ub450 \ud3ec\ud568\ub418\uba70 \uc774\uac83\uc744 Full Doc<\/strong> or QM (Qualified Mortgage) Loan \uc774\ub77c \ubd80\ub985\ub2c8\ub2e4.<\/strong>.<\/p>\n\n\n\n

\uc5b4\ub5a4 \uc774\uc720\ub85c\ub4e0 \uc138\uae08\uc73c\ub85c \ubcf4\uace0\ub41c \uc778\ucef4\uc774 \ubd80\uc871\ud558\ub2e4\uba74 \ub2e4\ub978 \ubc29\ubc95\uc774 \uc788\uc2b5\ub2c8\ub2e4. \ub2e4\uc74c \ub9c1\ud06c\ub97c \ud074\ub9ad\ud558\uc138\uc694. the Non-QM page<\/a>.<\/p>\n\n\n\n

<\/p>\n\n\n\n

<\/p>","protected":false},"excerpt":{"rendered":"

Step 1: Credit Report A Credit Report does not simply show your score; it provides a detailed record of your entire financial history. If you have a history of delinquency or default on a previous mortgage, it will be very difficult to get approved for a loan. Recent bankruptcies or other major financial issues will… <\/p>","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"neve_meta_sidebar":"","neve_meta_container":"","neve_meta_enable_content_width":"","neve_meta_content_width":0,"neve_meta_title_alignment":"","neve_meta_author_avatar":"","neve_post_elements_order":"","neve_meta_disable_header":"","neve_meta_disable_footer":"","neve_meta_disable_title":"","footnotes":""},"class_list":["post-62","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/balancekim.com\/mortgage\/ko\/wp-json\/wp\/v2\/pages\/62","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/balancekim.com\/mortgage\/ko\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/balancekim.com\/mortgage\/ko\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/balancekim.com\/mortgage\/ko\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/balancekim.com\/mortgage\/ko\/wp-json\/wp\/v2\/comments?post=62"}],"version-history":[{"count":6,"href":"https:\/\/balancekim.com\/mortgage\/ko\/wp-json\/wp\/v2\/pages\/62\/revisions"}],"predecessor-version":[{"id":209,"href":"https:\/\/balancekim.com\/mortgage\/ko\/wp-json\/wp\/v2\/pages\/62\/revisions\/209"}],"wp:attachment":[{"href":"https:\/\/balancekim.com\/mortgage\/ko\/wp-json\/wp\/v2\/media?parent=62"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}