{"id":73,"date":"2026-08-15T09:56:03","date_gmt":"2026-08-15T13:56:03","guid":{"rendered":"https:\/\/balancekim.com\/mortgage\/?page_id=73"},"modified":"2026-08-21T08:33:03","modified_gmt":"2026-08-21T12:33:03","slug":"non-qm","status":"publish","type":"page","link":"https:\/\/balancekim.com\/mortgage\/ko\/non-qm\/","title":{"rendered":"Non-QM"},"content":{"rendered":"

\uacb0\uad6d \ub860\uc774 \ub098\uc62c \uc218 \uc788\ub098 \uc5c6\ub098\ub294 \uc778\ucef4 \uc785\uc99d\uc5d0 \ub2ec\ub824 \uc788\uc2b5\ub2c8\ub2e4. \uadf8\ub798\uc11c \uc138\uae08 \ucda9\ubd84\ud788 \ub0c8\uc73c\uba74 OK. \uadf8\uac8c \uc544\ub2c8\ub77c\uba74 \ub2e4\ub978 \ubc29\ubc95\uc73c\ub85c \uc778\ucef4\uc744 \uc785\uc99d\ud574\uc57c \ud569\ub2c8\ub2e4. \uadf8\ub807\uac8c \uc785\uc99d\ud574\uc11c \ub098\uc624\ub294 \ub860\uc744 Non-QM loan\uc774\ub77c \ubd80\ub985\ub2c8\ub2e4.<\/p>\n\n\n\n

\ucd1d 9\uac00\uc9c0 \ubc29\ubc95\uc774 \uc788\uace0 \uc774 \uc911 \uac00\ub2a5\ud55c \ubc29\ubc95\uc73c\ub85c \ub860\uc744 \ubc1b\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n

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

1. Bank Statements<\/h3>\n\n\n\n

\uc138\uae08 \ubcf4\uace0\uc11c \ub300\uc2e0 \ucd5c\uadfc 12\uac1c\uc6d4\uac04\uc758 \ube44\uc988\ub2c8\uc2a4 \ub610\ub294 \uac1c\uc778 \uc740\ud589 \uacc4\uc88c \uba85\uc138\uc11c\ub97c \uc2ec\uc0ac\ud569\ub2c8\ub2e4. \ud1b5\uc7a5\uc5d0 \uaddc\uce59\uc801\uc73c\ub85c \ub4e4\uc5b4\uc628 \ucd1d\uc785\uae08\uc561(Deposit)\uc758 50% \uc815\ub3c4\ub97c \uc2e4\uc81c \uc0ac\uc5c5 \uc18c\ub4dd\uc73c\ub85c \uc778\uc815\ubc1b\uc544 \ub860\uc744 \uc9c4\ud589\ud558\ub294 \uc790\uc601\uc5c5\uc790\ubd84\ub4e4\uc744 \uc704\ud55c \ub300\ud45c\uc801\uc778 \ud504\ub85c\uadf8\ub7a8\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n

2. CPA P&L Letter<\/h3>\n\n\n\n

\ud68c\uacc4\uc0ac(CPA)\ub098 \uc138\ubb34\uc0ac\uac00 \uc791\uc131\ud558\uace0 \uc11c\uba85\ud55c \ucd5c\uadfc 1~2\ub144 \uce58\uc758 \uc0ac\uc5c5\uccb4 \uc190\uc775\uacc4\uc0b0\uc11c(Profit and Loss Statement)\ub97c \ubc14\ud0d5\uc73c\ub85c \uc778\ucef4\uc744 \ud3c9\uac00\ud569\ub2c8\ub2e4. \ub9d0 \uadf8\ub300\ub85c \uc138\ubb34\uc0ac\uac00 \uc368\uc8fc\ub294 \uac83\uc744 \uadf8\ub300\ub85c \uc778\uc815\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n

3. WVOE (Written Verification of Employment)<\/h3>\n\n\n\n

\uc9c1\uc7a5\uc778\uc774 \ud0dd\uc2a4 \ub9ac\ud134\uc774\ub098 \uae09\uc5ec \uba85\uc138\uc11c(Paystub)\ub97c \uc81c\ucd9c\ud558\uae30 \uc5b4\ub824\uc6b4 \uc0c1\ud669\uc77c \ub54c \uc0ac\uc6a9\ud569\ub2c8\ub2e4. \uc815\ubd80\uc5d0\uc11c \uc900\ube44\ud55c \ud3fc\uc774 \uc788\uc73c\uba70 \uc774\uc5d0 \ub9de\ucd94\uc5b4 \uc791\uc131\ud569\ub2c8\ub2e4. \uaf2d \uc0ac\uc7a5\uc774 \uc544\ub2c8\ub354\ub77c\ub3c4 Manager, HR, Supervisor \ub4f1\ub3c4 \uc0ac\uc778\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n

4. 1099<\/h3>\n\n\n\n

1099\uc744 \ud0dd\uc2a4\ub85c \ubcf4\uace0\ud558\ub294 \uac83\uc740 1\ub144\uc5d0 \ud55c \ubc88\uc774\uae30 \ub54c\ubb38\uc5d0 \uadf8 \uc774\ud6c4\ubd80\ud130 \ub2e4\uc74c \ubcf4\uace0\uae4c\uc9c0\ub294 \ud0dd\uc2a4\ub85c \uc778\uc815\ub418\uc9c0 \ubabb\ud569\ub2c8\ub2e4. \uadf8\ub798\uc11c \uadf8 \uc138\uae08\ubcf4\uace0\ub418\uae30 \uc774\uc804\uc758 1099 \uc11c\ub958 \ub9cc\uc73c\ub85c \uc778\ucef4\uc744 \uc778\uc815\ud558\ub294 \ud504\ub85c\uadf8\ub7a8\uc785\ub2c8\ub2e4. \ub300\ub7b5 90% \uc815\ub3c4\ub97c \uc778\ucef4\uc73c\ub85c \uc778\uc815\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n

5. DSCR (Debt Service Coverage Ratio)<\/h3>\n\n\n\n

\ud22c\uc790 \ubaa9\uc801\uc73c\ub85c \uc8fc\ud0dd\uc744 \uad6c\uc785\ud560 \ub54c, \ubc14\uc774\uc5b4 \uac1c\uc778\uc758 \uc9c1\uc7a5 \uc18c\ub4dd\uc774\ub098 \uc790\uc601\uc5c5 \uc218\uc785\uc744 \uc544\uc608 \ubcf4\uc9c0 \uc54a\ub294 \ud68d\uae30\uc801\uc778 \ud504\ub85c\uadf8\ub7a8\uc785\ub2c8\ub2e4. \uc624\uc9c1 \uc0ac\ub824\ub294 \ubd80\ub3d9\uc0b0\uc5d0\uc11c \uc608\uc0c1\ub418\ub294 \u2018\uc6d4\uc138 \uc218\uc785(Rent)\u2019\uc774 \u2018\ubaa8\uae30\uc9c0 \ud398\uc774\uba3c\ud2b8(\uc6d0\ub9ac\uae08+\uc138\uae08+\ubcf4\ud5d8)\u2019\ub97c \uac10\ub2f9\ud560 \uc218 \uc788\ub294\uc9c0\ub9cc \ubcf4\uace0 \ub860\uc744 \uc90d\ub2c8\ub2e4. \uc774 \ub860\uc740 \uc21c\uc218\ud55c \ud22c\uc790 \ubaa9\uc801\uc774\uae30 \ub54c\ubb38\uc5d0 \uad6c\ub9e4\uc790\ub294 \uc0b4 \uc218 \uc5c6\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n

6. Asset Depletion<\/h3>\n\n\n\n

\ud604\uc7ac \uc815\uae30\uc801\uc778 \uc218\uc785(Income)\uc740 \uc5c6\uc9c0\ub9cc, \uc740\ud589\uc774\ub098 \uc99d\uad8c \uacc4\uc88c\uc5d0 \uc0c1\ub2f9\ud55c \uc561\uc218\uc758 \uc790\uc0b0(Asset)\uc744 \ubcf4\uc720\ud55c \uc740\ud1f4\uc790\ub098 \uc790\uc0b0\uac00\ub97c \uc704\ud55c \ubc29\uc2dd\uc785\ub2c8\ub2e4. \ucd1d\uc790\uc0b0\uc744 \uc77c\uc815 \uae30\uac04(\uc608: 60~84\uac1c\uc6d4)\uc73c\ub85c \ub098\ub204\uc5b4 \ub9e4\ub2ec \uc774\ub9cc\ud07c\uc758 \uc18c\ub4dd\uc774 \ubc1c\uc0dd\ud558\ub294 \uac83\uc73c\ub85c \uac00\uc0c1 \ud658\uc0b0\ud558\uc5ec \uc2ec\uc0ac\ud569\ub2c8\ub2e4. \uc790\uc0b0\uc740 \ud604\uae08 \ubc0f \ud604\uae08\uc131 \uc790\uc0b0\ub9cc\uc744 \ub9d0\ud569\ub2c8\ub2e4. \ubd80\ub3d9\uc0b0\uc740 \ud3ec\ud568\ub418\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n

7. Foreign Asset \/ Income<\/h3>\n\n\n\n

\ubbf8\uad6d \ub0b4 \uc218\uc785\uc774\ub098 \ud06c\ub808\ub527 \uae30\ub85d\uc774 \ubd80\uc871\ud558\uc9c0\ub9cc, \ud55c\uad6d \ub4f1 \ud574\uc678\uc5d0 \uc9c1\uc7a5\uc774 \uc788\uac70\ub098 \uc790\uc0b0\uc774 \uc788\ub294 \uad50\ud3ec \ubc0f \uc678\uad6d\uc778 \ud22c\uc790\uc790\ub97c \uc704\ud55c \ud504\ub85c\uadf8\ub7a8\uc785\ub2c8\ub2e4. \ud574\uc678\uc5d0\uc11c \ubc1c\uc0dd\ud558\ub294 \uc18c\ub4dd \uc99d\ube59\uc774\ub098 \uc740\ud589 \uc794\uace0\ub97c \ubbf8\uad6d \ubaa8\uae30\uc9c0 \uc2ec\uc0ac \uae30\uc900\uc5d0 \ub9de\ucdb0 \uc601\ubb38 \ubc88\uc5ed\u00b7\uacf5\uc99d\ud558\uc5ec \uc815\uc2dd \uc778\ucef4\uacfc \ub2e4\uc6b4\ud398\uc774 \uc790\uae08\uc73c\ub85c \uc778\uc815\ubc1b\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n

8. No Income No Asset<\/h3>\n\n\n\n

\uc8fc\ub85c \ud22c\uc790\uc6a9 \ubd80\ub3d9\uc0b0(Investment Property)\uc744 \uad6c\uc785\ud560 \ub54c \uc0ac\uc6a9\ub418\ub294 \uadf9\ub2e8\uc801\uc73c\ub85c \uac04\uc18c\ud654\ub41c \ud504\ub85c\uadf8\ub7a8\uc785\ub2c8\ub2e4. \ub300\ucd9c \uc2e0\uccad\uc790\uc758 \ud604\uc7ac \uc9c1\uc7a5 \uc18c\ub4dd(Income)\uacfc \uace0\uc6a9 \uc0c1\ud0dc\ub294 \ubb3c\ub860\uc774\uace0, \ub2e4\uc6b4\ud398\uc774 \uc790\uae08 \uc678\uc758 \uc794\uc5ec \uc790\uc0b0(Asset) \uc99d\ube59\uae4c\uc9c0 \ubaa8\ub450 \uc0dd\ub7b5\ud55c \ucc44, \uc624\uc9c1 \ubcf8\uc778\uc758 \uac1c\uc778 \ud06c\ub808\ub527 \uc810\uc218\uc640 \uc0b4\uace0\uc790 \ud558\ub294 \uc9d1\uc758 \uac00\uce58\ub9cc\uc744 \uae30\uc900\uc73c\ub85c \uc2ec\uc0ac\ud569\ub2c8\ub2e4. \ubcf4\ud1b5 35% \uc774\uc0c1\uc758 \ub2e4\uc6b4\ud398\uc774\ub97c \uc694\uad6c\ud558\uace0 780 \uc774\uc0c1\uc758 FICO SCORE\ub97c \uc694\uad6c\ud569\ub2c8\ub2e4. \ub2e8 12\uac1c\uc6d4\uce58\ub97c \uc740\ud589\uc5d0 \uac00\uc9c0\uace0 \uc788\uc5b4\uc57c \ud569\ub2c8\ub2e4.<\/p>\n\n\n\n

9. Asset Utilization<\/h3>\n\n\n\n

ASSET DEPLETION\uacfc \uc720\uc0ac\ud558\uc9c0\ub9cc \uc2ec\uc0ac \uacf5\uc2dd\uc774 \ub2e4\ub985\ub2c8\ub2e4. \uc740\ud1f4\uc790\ub098 \ub300\ud615 \uc790\uc0b0\uac00\uac00 \ubcf4\uc720\ud55c \uc8fc\uc2dd, \ud380\ub4dc, \uc608\uae08 \ub4f1\uc758 \ucd1d\uc790\uc0b0 \uac00\uce58\ub97c \ud604\uc7ac \uc2dc\uac00\ub85c \ud3c9\uac00\ud55c \ub4a4, \uc77c\uc815\ud55c \ud560\uc778\uc728\uc744 \uc801\uc6a9\ud558\uc5ec \uc790\uc0b0 \uc804\uccb4\ub97c \ud1b5\uc9f8\ub85c \uc0c1\ud658 \ub2a5\ub825\uc758 \uadfc\uac70\ub85c \uc0bc\ub294 \ubc29\uc2dd\uc785\ub2c8\ub2e4. \ub9e4\ub2ec \uc77c\uc815\uc561\uc744 \ucabc\uac1c\ub294 \uac1c\ub150\uc744 \ub118\uc5b4 \ubcf4\uc720\ud55c \uc790\uc0b0\uc758 \uc808\ub300\uc801 \uaddc\ubaa8\ub97c \ubcf4\uace0 \ub300\ucd9c\uc744 \uc2b9\uc778\ud569\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4 60\uac1c\uc6d4\uce58\uc758 \ud604\uae08\uc774 \uc788\ub294\uac00\ub97c \ubcf4\uace0 \ud3c9\uac00\ud569\ub2c8\ub2e4. (\uc8fc\uc758: \uc774 \ud504\ub85c\uadf8\ub7a8 \uc5ed\uc2dc 6\ubc88\uacfc \ub9c8\ucc2c\uac00\uc9c0\ub85c \ubd80\ub3d9\uc0b0 \uc790\uc0b0\uc740 \uacc4\uc0b0\uc5d0\uc11c \uc81c\uc678\ub418\uba70, \uc624\uc9c1 \uc989\uc2dc \ud604\uae08\ud654\uac00 \uac00\ub2a5\ud55c \uae08\uc735 \uc790\uc0b0\ub9cc \uc778\uc815\ub429\ub2c8\ub2e4.)<\/em><\/p>\n\n\n\n

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

The most fundamental aspect of a mortgage loan is INCOME VERIFICATION. In other words, it is evaluating whether the borrower has the ability to repay the money. If this can be proven through tax returns, that is perfect\u2014no problem. However, if that is not the case, income must be verified through alternative methods. This is… <\/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-73","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/balancekim.com\/mortgage\/ko\/wp-json\/wp\/v2\/pages\/73","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=73"}],"version-history":[{"count":7,"href":"https:\/\/balancekim.com\/mortgage\/ko\/wp-json\/wp\/v2\/pages\/73\/revisions"}],"predecessor-version":[{"id":208,"href":"https:\/\/balancekim.com\/mortgage\/ko\/wp-json\/wp\/v2\/pages\/73\/revisions\/208"}],"wp:attachment":[{"href":"https:\/\/balancekim.com\/mortgage\/ko\/wp-json\/wp\/v2\/media?parent=73"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}