{"id":66,"date":"2026-08-15T09:46:03","date_gmt":"2026-08-15T13:46:03","guid":{"rendered":"https:\/\/balancekim.com\/mortgage\/?page_id=66"},"modified":"2026-08-21T14:41:04","modified_gmt":"2026-08-21T18:41:04","slug":"programs","status":"publish","type":"page","link":"https:\/\/balancekim.com\/mortgage\/ko\/programs\/","title":{"rendered":"\ubaa8\uae30\uc9c0 \ub860 \uc885\ub958"},"content":{"rendered":"

1 \ud0dd\uc2a4\uc640 \uc5f0\uacb0\ub420 \ub54c<\/h2>\n\n\n\n

\ubaa8\uae30\uc9c0 \uc885\ub958\ub294 \uc0ac\uc2e4 \ub9e4\uc6b0 \ub2e8\uc21c\ud569\ub2c8\ub2e4. \uc544\ub798\uc5d0 \ub9ce\uc740 \uc885\ub958\uac00 \ubcf4\uc774\uc9c0\ub9cc \uacb0\uad6d \uae30\uc900\uc744 \uc5b4\ub5bb\uac8c \uc124\uc815\ud558\ub294\uac00\uc758 \ubb38\uc81c\uc785\ub2c8\ub2e4. \uac00\uc7a5 \ub2e8\uc21c\ud55c \uad6c\ubd84\uc740 \ub860\uc744 \ud0dd\uc2a4 \ubcf4\uace0\ub85c \ubc1b\ub294\ub2e4\uba74 Full Doc, \ud0dd\uc2a4\ubcf4\uace0\ub97c \ubcf4\uc9c0 \uc54a\ub294\ub2e4\uba74 Alt Doc \uc73c\ub85c \uad6c\ubd84\ub429\ub2c8\ub2e4.<\/p>\n\n\n\n

\ucc28\uc774\ub294? \uc774\uc790\uc728\uc774 0.5-1% \uc815\ub3c4 \ucc28\uc774\uac00 \uc788\uc2b5\ub2c8\ub2e4. Full doc\uc774 \ub354 \ub0ae\uc2b5\ub2c8\ub2e4. <\/p>\n\n\n\n

<\/div>\n\n\n\n
\"Mortgageformyhome<\/figure>\n\n\n\n
<\/div>\n\n\n\n

2 \uc815\ubd80\uc5d0\uc11c \ubcf4\uc99d\ud558\ub294\uac00<\/h2>\n\n\n\n

FHA Loans<\/h3>\n\n\n\n

\uc774\ub294 \ud2b9\ud788 \ucda9\ubd84\ud55c \ub2e4\uc6b4\ud398\uc774\ub97c \uc900\ube44\ud558\uc9c0 \ubabb\ud55c \uc80a\uc740\uce35\uc744 \ub300\uc0c1\uc73c\ub85c \ud569\ub2c8\ub2e4. <\/p>\n\n\n\n

\uc774\uc790\uc728\uc774 \uc0c1\ub300\uc801\uc73c\ub85c \ub0ae\uc9c0\ub9cc \ucc98\uc74c\uc5d0 1.75%\ub97c \ubb34\uc870\uac74 \ub0b4\uc57c \ud558\uace0, \ub9cc\uc77c \ub2e4\uc6b4\ud398\uc774\uac00 10% \uc774\ud558\ub77c\uba74 \ud3c9\uc0dd, \uc774\uc0c1\uc774\ub77c\uba74 11\ub144\uac04 \ub300\ub7b5 0.55-1.85% \uc218\uc900\uc758 \ubaa8\uae30\uc9c0 \ubcf4\ud5d8\uc744 \ubcc4\ub3c4\ub85c \ub0a9\ubd80\ud574\uc57c \ud569\ub2c8\ub2e4. <\/p>\n\n\n\n

\ubb3c\ub860 \uc7a5\uc810\ub3c4 \uc788\uc2b5\ub2c8\ub2e4. DTI\uac00 \ub192\ub2e4, \uc989 \uac19\uc740 \uc218\uc785\uc73c\ub85c \ub860 \uae08\uc561\uc774 \ub354 \ub9cd\uc544\uc9c8 \uc218 \uc788\uace0 \uc2e0\uc6a9 \uc810\uc218\uac00 580\uc774\uc5b4\ub3c4 \uac00\ub2a5\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n

\ud558\uc9c0\ub9cc \ubcf4\ud1b5\uc740 \uc774 \ub860\uc740 \ucd94\ucc9c\ud558\uc9c0 \uc54a\uc73c\uba70 \uc870\uae08 \ub354 \ub3c8\uc744 \ubaa8\uc544\uc11c \uc77c\ubc18 \ub860\uc744 \ubc1b\uc73c\uc2dc\ub294\uac78 \ucd94\ucc9c\ub4dc\ub9bd\ub2c8\ub2e4.<\/p>\n\n\n\n

VA Loans<\/h3>\n\n\n\n

\uc774\uac83\uc740 \uad70\uc778\uc5d0\uac8c \uc8fc\ub294 \ub860\uc785\ub2c8\ub2e4. \uadf8\ub798\uc11c \uc131\uaca9\ub3c4 \ub2e4\ub974\uace0 \uc774\uc790\uc728\ub3c4 \ub2e4\ub974\uace0 \uc9c4\ud589\ub418\ub294 \ud504\ub85c\uc138\uc2a4\ub3c4 \ub2e4\ub985\ub2c8\ub2e4.<\/p>\n\n\n\n

USDA Loans<\/h3>\n\n\n\n

\uc774 \ub860\uc740 \uc8fc\ub85c \uc2dc\uace8\uc774\ub098 \uc678\uacfd\uc9c0\uc5ed \ub4f1\uc744 \ub300\uc0c1\uc73c\ub85c \ud569\ub2c8\ub2e4. \uc774 \ub860\uc774 \uac00\ub2a5\ud55c \uc815\ud574\uc9c4 \uc9c0\uc5ed\uc774 \uc788\uace0 \uadf8 \uc9c0\uc5ed\uc5d0 \ub300\ud574\uc11c \uc801\uc6a9\ub418\ub294 \ub860\uc785\ub2c8\ub2e4. \ub9c8\ucc2c\uac00\uc9c0\ub85c \ub9e4\uc6b0 \ub2e4\ub978 \ubc29\uc2dd\uc73c\ub85c \uc9c4\ud589\ub429\ub2c8\ub2e4.<\/p>\n\n\n\n

<\/div>\n\n\n\n

3 \uae30\ud0c0<\/h2>\n\n\n\n

Fixed vs. Adjustable Rates<\/h3>\n\n\n\n

\uc774\uc790\uc728\uc774 \uace0\uc815\uc774\ub0d0 \ubcc0\ub3d9\uc774\ub0d0\uc5d0 \ub530\ub77c \ucc28\uc774\uac00 \uc788\uc9c0\ub9cc \ubcc0\ub3d9\uc774 \uacbd\uc6b0\uc5d0 \ub530\ub77c \uc0b4\uc9dd \ub0ae\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n

Interest-Only Loans<\/h3>\n\n\n\n

\uc774 \ub860\uc744 \uc815\ud574\uc9c4 \uae30\uac04 \ub3d9\uc548 \uc77c\ub2e8 \uc774\uc790\ub9cc \ub0a9\ubd80\ud558\ub294 \ubc29\uc2dd\uc785\ub2c8\ub2e4. \ud558\uc9c0\ub9cc \uc6d0\uae08\uc740 \uadf8\ub300\ub85c \uc788\uace0 \uacb0\uad6d \uc774\uc790\ub294 \uc904\uc5b4\ub4e4\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n

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

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

1 Tax related Mortgage types are actually simple. As you can see in the table below, there are several types, but simply put, they vary depending on how you prove your income. If your income can be proven with tax returns alone, it is Full Doc (QM, Qualified Mortgage); if not, it is Alt Doc… <\/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-66","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/balancekim.com\/mortgage\/ko\/wp-json\/wp\/v2\/pages\/66","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=66"}],"version-history":[{"count":7,"href":"https:\/\/balancekim.com\/mortgage\/ko\/wp-json\/wp\/v2\/pages\/66\/revisions"}],"predecessor-version":[{"id":227,"href":"https:\/\/balancekim.com\/mortgage\/ko\/wp-json\/wp\/v2\/pages\/66\/revisions\/227"}],"wp:attachment":[{"href":"https:\/\/balancekim.com\/mortgage\/ko\/wp-json\/wp\/v2\/media?parent=66"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}