{"id":2459,"date":"2021-09-03T12:43:45","date_gmt":"2021-09-03T19:43:45","guid":{"rendered":"https:\/\/usezloan.com\/?p=2459"},"modified":"2021-10-04T14:50:33","modified_gmt":"2021-10-04T21:50:33","slug":"qualified-mortgage-vs-non-qualifying-mortgages","status":"publish","type":"post","link":"https:\/\/usezloan.com\/index.php\/2021\/09\/03\/qualified-mortgage-vs-non-qualifying-mortgages\/","title":{"rendered":"\uc735\uc790\uc9c0\uc2dd224-Qualified Mortgage vs. Non-Qualifying Mortgages"},"content":{"rendered":"<h2><span style=\"font-size: 14pt;\"><strong>\uc735\uc790\uc9c0\uc2dd224<\/strong><\/span><\/h2>\n<h2><strong>Qualified Mortgage vs. Non-Qualifying Mortgages<\/strong><\/h2>\n<p>Most people are familiar with\u00a0&#8216;<a href=\"https:\/\/www.consumerfinance.gov\/ask-cfpb\/what-is-a-qualified-mortgage-en-1789\/#:~:text=A%20Qualified%20Mortgage%20is%20a,before%20you%20take%20it%20out.\">Qualified Mortgages<\/a>.&#8217;\u00a0A Qualified Mortgage is a type of loan that has clearly defined rules for approval.<\/p>\n<p>These rules make the\u00a0<strong>loan<\/strong>\u00a0safer for lenders because they point to your ability to repay the debt. Conventional lenders have to do their due diligence or make a good faith effort to decide that you have the financial means and creditworthiness to afford the loan payments.<\/p>\n<p>This rule is called the\u00a0<strong>&#8220;ability to repay&#8221; rule.<\/strong>\u00a0When you&#8217;re approved for a\u00a0<strong>Qualified Mortgage<\/strong>, it&#8217;s assumed that the lender took all the steps necessary to determine your ability to repay.<\/p>\n<p>&nbsp;<\/p>\n<p>Usually,\u00a0<strong>Qualified Mortgages<\/strong>\u00a0won&#8217;t allow high-risk loan features including:<\/p>\n<ul>\n<li><strong>A loan term longer than thirty years.<\/strong><\/li>\n<li><strong>Interest-only periods.<\/strong><\/li>\n<li><strong>Limitations on Points and fees: The threshold is 3 percent of the loan balance, but larger amounts are allowed for loans under $100,000.00.<\/strong>&nbsp;<\/li>\n<\/ul>\n<p><strong>Qualified Mortgage lenders<\/strong>\u00a0won&#8217;t loan money to anyone whose debt to income ratio goes beyond a certain point because it puts the lender at risk. Borrowers can challenge lenders in court if they can prove the lender didn&#8217;t make a good faith effort to ensure they had the ability to repay the debt.<\/p>\n<p><strong>Non-Qualifying (Non-QM) mortgages<\/strong>\u00a0don&#8217;t meet the QM as Qualifying Mortgages.\u00a0<strong>Lenders have more flexibility<\/strong>\u00a0in using limited or alternative documentation in order to determine a borrower&#8217;s ability to repay the debt.<\/p>\n<p><strong>Non-QM lenders<\/strong>\u00a0may be able to help self-employed borrowers by using alternative ways to prove their income. There&#8217;s still an ability to repay standard with\u00a0<strong>Non-QM mortgages<\/strong>, but not as stringent as\u00a0<strong>Qualified Mortgages<\/strong>. Others are exempt from ability to repay altogether, like<strong>\u00a0house flippers<\/strong>\u00a0or<a href=\"https:\/\/www.amilenders.com\/hard-money-lenders\" target=\"_blank\" rel=\"noopener\"><strong>\u00a0loans for business purpose<\/strong><\/a>. The rule of measure varies according to actual use of the proceeds of the loan and not by the occupancy.<\/p>\n<p><a href=\"https:\/\/www.amilenders.com\/blog-ami\/what-is-the-difference-between-a-non-qualified-mortgage-and-a-qualified-mortgage-loan\" target=\"_blank\" rel=\"noopener\">Read more: What is the difference between a Non-Qualified Mortgage and a Qualified Mortgage Loan?\u00a0\u00a0\u00a0\u00a0<\/a><\/p>\n<p>&nbsp;<\/p>\n<h2>Aren&#8217;t Non-QM Loans a Type of Subprime Loan?<\/h2>\n<p><strong>No.<\/strong>\u00a0Subprime loans included stated loans, where income was not regarded;\u00a0<strong>Non-QM loans\u00a0are far from what a subprime loan used to be<\/strong>. A borrower might not be approved with a conventional lender for a wide range of reasons.\u00a0<strong>Non-QM loans<\/strong>\u00a0help people with unconventional situations borrow money.<\/p>\n<p><strong>Subprime mortgage loans\u00a0are banned<\/strong>.\u00a0<strong>Non-QM lenders\u00a0help<\/strong>\u00a0borrowers with an\u00a0<strong>alternative sources of income to prove ability to repay<\/strong>\u00a0and\u00a0<strong>get a mortgage loans.<\/strong>\u00a0Having an unconventional situation might simply mean that you earn most of your income outside the United States.<\/p>\n<p>Where you earn your money won&#8217;t matter to a\u00a0<strong>Non-QM lender<\/strong>\u00a0as long as the\u00a0<strong>income is verifiable<\/strong>. You might have other fees to compensate for the risk like higher fees or a larger down payment.<\/p>\n<p><strong>Subprime mortgages are\u00a0<em>NOT<\/em>\u00a0Qualified Mortgages.<\/strong>\u00a0Lenders have the same obligation to check a borrower&#8217;s financial history, but often corners are cut to ensure approval.<\/p>\n<p><strong>Subprime mortgages created a mortgage crisis<\/strong>\u00a0for the same reason lenders have a legal obligation to\u00a0<strong>determine your ability to repay<\/strong>. The sudden default of thousands of homeowners at once is crippling for the local, regional,\u00a0and national economies.<\/p>\n<p>In the Great Recession case, millions of homeowners defaulted, revealing that\u00a0<strong>lenders failed to meet the requirements of offering\u00a0Qualified Mortgages.<\/strong><\/p>\n<p><strong>Non-QM mortgage lenders<\/strong>\u00a0don&#8217;t aim to simply meet loan quotas. These lenders are looking for borrowers who can meet the repayment obligation without any issues.<\/p>\n<p>These borrowers don&#8217;t all have a cookie-cutter financial profile. Some are new business owners, while others are individual real estate investors.<\/p>\n<p>&nbsp;<\/p>\n<p>For\u00a0<strong>Qualified Mortgage lenders<\/strong>, this demographic is risky. Conventional lenders don&#8217;t have the expertise to verify whether a business venture will perform well or if a home in terrible condition can be rehabbed.<\/p>\n<p>But<strong>\u00a0Non-QM mortgage lenders<\/strong>\u00a0have experience lending niche products like\u00a0<a href=\"https:\/\/www.amilenders.com\/\" target=\"_blank\" rel=\"noopener\">hard money loans\u00a0<\/a>and understanding the right financial profile to look for. They don&#8217;t seek out borrowers with less than average credit or who can&#8217;t prove employment like\u00a0subprime lenders.<\/p>\n<p>More\u00a0<a href=\"https:\/\/www.dallasfed.org\/cd\/communities\/2019\/1903\">homeowners in Texas<\/a>\u00a0that fall into the low-income, nontraditional category want\u00a0Non-QM loans\u00a0to avoid banks&#8217; growing restrictions. They can rest assured they&#8217;ll find more options to qualify than with a strict\u00a0traditional mortgage.<\/p>\n<p>&nbsp;<\/p>\n<h2><strong>Who Needs a Non-QM Loan?<\/strong><\/h2>\n<p><strong>Non-QM loans<\/strong>\u00a0are a great option for anyone who can repay mortgage debt but doesn&#8217;t have all the traditional paperwork needed to prove it. Here are some reasons to apply for a Non-QM loan.<\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li><strong>Investor Deals<\/strong><\/li>\n<\/ul>\n<p>One common reason to\u00a0<strong>pursue a Non-QM loan is to buy an investment property<\/strong><strong>.<\/strong>\u00a0If you already have mortgage loans in your name, it might be tough to convince a traditional lender to provide you with another\u00a0<strong>mortgage lo<\/strong><strong>an<\/strong>.<\/p>\n<p><strong>Non-QM loans<\/strong>\u00a0look beyond your personal income to decide whether you can\u00a0<strong>repay the debt.<\/strong>\u00a0You can often use your business&#8217;s income or a larger down payment to prove your ability to repay.<\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li><strong>Flipping Houses<\/strong><\/li>\n<\/ul>\n<p>The value of the property you\u00a0<a href=\"https:\/\/www.amilenders.com\/blog-ami\/think-you-have-a-good-fix-and-flip-opportunity-check-out-this-advice-first\" target=\"_blank\" rel=\"noopener\">plan to flip is significant to hard money lenders\u00a0<\/a>offering\u00a0Non-QM loans. Many of these lenders understand the housing market well and will look at the property deal itself to decide whether you can repay the debt.<\/p>\n<p>In addition to the property profile, your experience as a\u00a0<strong>house flipper is important<\/strong>. Even if you have bad credit, if you&#8217;ve got proven experience<strong>\u00a0flipping homes<\/strong>\u00a0and have a good deal on the table,\u00a0<strong>you&#8217;re more likely to qualify for a hard money loan.\u00a0<\/strong><\/p>\n<p>\uc801\uaca9 \ubaa8\uae30\uc9c0 vs. \ube44\uc801\uaca9 \ubaa8\uae30\uc9c0<br \/>\n\ub300\ubd80\ubd84\uc758 \uc0ac\ub78c\ub4e4\uc740 &#8216;\uc801\uaca9 \ubaa8\uae30\uc9c0&#8217;\uc5d0 \ub300\ud574 \uc798 \uc54c\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc801\uaca9 \ubaa8\uae30\uc9c0\ub294 \uc2b9\uc778 \uaddc\uce59\uc774 \uba85\ud655\ud558\uac8c \uc815\uc758\ub41c \ub300\ucd9c \uc720\ud615\uc785\ub2c8\ub2e4.<\/p>\n<p>\uc774\ub7ec\ud55c \uaddc\uce59\uc740 \ub300\ucd9c\uc744 \uc0c1\ud658\ud560 \uc218 \uc788\ub294 \uadc0\ud558\uc758 \ub2a5\ub825\uc744 \ub098\ud0c0\ub0b4\uae30 \ub54c\ubb38\uc5d0 \ub300\ucd9c \uae30\uad00\uc5d0\uac8c \ubcf4\ub2e4 \uc548\uc804\ud55c \ub300\ucd9c\uc744 \uc81c\uacf5\ud569\ub2c8\ub2e4. \uae30\uc874\uc758 \ub300\ucd9c \uae30\uad00\uc740 \uadc0\ud558\uac00 \ub300\ucd9c \uc0c1\ud658\uae08\uc744 \uac10\ub2f9\ud560 \uc218 \uc788\ub294 \uc7ac\uc815\uc801 \uc218\ub2e8\uacfc \uc2e0\uc6a9\ub3c4\uac00 \uc788\ub294\uc9c0 \uc5ec\ubd80\ub97c \uacb0\uc815\ud558\uae30 \uc704\ud574 \uc2e4\uc0ac\ub97c \ud558\uac70\ub098 \uc131\uc2e4\ud55c \ub178\ub825\uc744 \uae30\uc6b8\uc5ec\uc57c \ud569\ub2c8\ub2e4.<\/p>\n<p>\uc774 \uaddc\uce59\uc744 &#8220;\uc0c1\ud658 \ub2a5\ub825&#8221; \uaddc\uce59\uc774\ub77c\uace0 \ud569\ub2c8\ub2e4. \uc801\uaca9 \ubaa8\uae30\uc9c0(Qualified Mortgage)\uc5d0 \ub300\ud55c \uc2b9\uc778\uc744 \ubc1b\uc73c\uba74 \ub300\ucd9c \uae30\uad00\uc774 \uadc0\ud558\uc758 \uc0c1\ud658 \ub2a5\ub825\uc744 \uacb0\uc815\ud558\ub294 \ub370 \ud544\uc694\ud55c \ubaa8\ub4e0 \uc870\uce58\ub97c \ucde8\ud588\ub2e4\uace0 \uac00\uc815\ud569\ub2c8\ub2e4.<\/p>\n<p>&nbsp;<\/p>\n<p>\uc77c\ubc18\uc801\uc73c\ub85c \uc801\uaca9 \ubaa8\uae30\uc9c0\ub294 \ub2e4\uc74c\uacfc \uac19\uc740 \uace0\uc704\ud5d8 \ub300\ucd9c \uae30\ub2a5\uc744 \ud5c8\uc6a9\ud558\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4.<\/p>\n<p>30\ub144 \uc774\uc0c1\uc758 \ub300\ucd9c \uae30\uac04.<br \/>\n\uc774\uc790\ub9cc \uc788\ub294 \uae30\uac04.<br \/>\n\ud3ec\uc778\ud2b8 \ubc0f \uc218\uc218\ub8cc \uc81c\ud55c: \ud55c\ub3c4\ub294 \ub300\ucd9c \uc794\uc561\uc758 3%\uc774\uc9c0\ub9cc $100,000.00 \ubbf8\ub9cc\uc758 \ub300\ucd9c\uc5d0\ub294 \ub354 \ub9ce\uc740 \uae08\uc561\uc774 \ud5c8\uc6a9\ub429\ub2c8\ub2e4.<\/p>\n<p>\uc801\uaca9 \ubaa8\uae30\uc9c0 \ub300\ucd9c \uae30\uad00\uc740 \ub300\ucd9c\uc744 \uc704\ud5d8\uc5d0 \ube60\ub728\ub9ac\uae30 \ub54c\ubb38\uc5d0 \uc18c\ub4dd \ub300\ube44 \ubd80\ucc44 \ube44\uc728\uc774 \ud2b9\uc815 \uc9c0\uc810\uc744 \ucd08\uacfc\ud558\ub294 \uc0ac\ub78c\uc5d0\uac8c \ub3c8\uc744 \ub300\ucd9c\ud558\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4. \ucc28\uc6a9\uc778\uc740 \ucc44\uad8c\uc790\uac00 \ucc44\ubb34\ub97c \uc0c1\ud658\ud560 \ub2a5\ub825\uc774 \uc788\ub294\uc9c0 \ud655\uc778\ud558\uae30 \uc704\ud574 \uc120\uc758\uc758 \ub178\ub825\uc744 \uae30\uc6b8\uc774\uc9c0 \uc54a\uc558\uc74c\uc744 \uc785\uc99d\ud560 \uc218 \uc788\ub294 \uacbd\uc6b0 \ubc95\uc6d0\uc5d0\uc11c \ucc44\uad8c\uc790\uc5d0\uac8c \uc774\uc758\ub97c \uc81c\uae30\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ube44\uc801\uaca9(Non-QM) \ubaa8\uae30\uc9c0\ub294 \uc801\uaca9 \ubaa8\uae30\uc9c0\ub85c\uc11c QM\uc744 \ucda9\uc871\ud558\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4. \ub300\ucd9c \uae30\uad00\uc740 \ub300\ucd9c\uc790\uc758 \ubd80\ucc44 \uc0c1\ud658 \ub2a5\ub825\uc744 \uacb0\uc815\ud558\uae30 \uc704\ud574 \uc81c\ud55c\uc801\uc774\uac70\ub098 \ub300\uc548\uc801\uc778 \ubb38\uc11c\ub97c \uc0ac\uc6a9\ud560 \ub54c \ub354 \ub9ce\uc740 \uc720\uc5f0\uc131\uc744 \uac16\uc2b5\ub2c8\ub2e4.<\/p>\n<p>QM\uc774 \uc544\ub2cc \ub300\ucd9c \uae30\uad00\uc740 \uc18c\ub4dd\uc744 \uc99d\uba85\ud558\ub294 \ub300\uccb4 \ubc29\ubc95\uc744 \uc0ac\uc6a9\ud558\uc5ec \uc790\uc601\uc5c5 \ub300\ucd9c\uc744 \ub3c4\uc6b8 \uc218 \uc788\uc2b5\ub2c8\ub2e4. Non-QM \ubaa8\uae30\uc9c0\ub85c \ud45c\uc900 \uc0c1\ud658 \ub2a5\ub825\uc774 \uc5ec\uc804\ud788 \uc788\uc9c0\ub9cc \uc801\uaca9 \ubaa8\uae30\uc9c0\ub9cc\ud07c \uc5c4\uaca9\ud558\uc9c0\ub294 \uc54a\uc2b5\ub2c8\ub2e4. \uc8fc\ud0dd \uc624\ub9ac\ubc1c\uc774\ub098 \uc0ac\uc5c5\uc6a9 \ub300\ucd9c\uacfc \uac19\uc774 \uc804\uc561 \uc0c1\ud658 \ub2a5\ub825\uc774 \uba74\uc81c\ub418\ub294 \uacbd\uc6b0\ub3c4 \uc788\uc2b5\ub2c8\ub2e4. \uce21\uc815 \uaddc\uce59\uc740 \uc810\uc720\uac00 \uc544\ub2cc \ub300\ucd9c \uc218\uc775\uc758 \uc2e4\uc81c \uc0ac\uc6a9\uc5d0 \ub530\ub77c \ub2e4\ub985\ub2c8\ub2e4.<\/p>\n<p>\ub354 \uc77d\uc5b4\ubcf4\uae30: \uc801\uaca9 \ubaa8\uae30\uc9c0\ub860\uacfc \uc801\uaca9 \ubaa8\uae30\uc9c0\ub860\uc758 \ucc28\uc774\uc810\uc740 \ubb34\uc5c7\uc785\ub2c8\uae4c?<\/p>\n<p>&nbsp;<\/p>\n<p>\ube44 QM \ub300\ucd9c\uc740 \uc11c\ube0c\ud504\ub77c\uc784 \ub300\ucd9c\uc758 \ud55c \uc720\ud615\uc774 \uc544\ub2d9\ub2c8\uae4c?<br \/>\n\uc544\ub2c8\uc694. \uc11c\ube0c\ud504\ub77c\uc784 \ub300\ucd9c\uc5d0\ub294 \uc18c\ub4dd\uc774 \uace0\ub824\ub418\uc9c0 \uc54a\ub294 \uba85\uc2dc\uc801 \ub300\ucd9c\uc774 \ud3ec\ud568\ub418\uc5c8\uc2b5\ub2c8\ub2e4. \ube44 QM \ub300\ucd9c\uc740 \uc11c\ube0c\ud504\ub77c\uc784 \ub300\ucd9c\uacfc\ub294 \uac70\ub9ac\uac00 \uba49\ub2c8\ub2e4. \ub300\ucd9c\uc790\ub294 \ub2e4\uc591\ud55c \uc774\uc720\ub85c \uae30\uc874 \ub300\ucd9c \uae30\uad00\uc5d0\uc11c \uc2b9\uc778\ub418\uc9c0 \uc54a\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ube44QM \ub300\ucd9c\uc740 \ube44\uc815\uc0c1\uc801\uc778 \uc0c1\ud669\uc5d0 \uc788\ub294 \uc0ac\ub78c\ub4e4\uc774 \ub3c8\uc744 \ube4c\ub9ac\ub294 \ub370 \ub3c4\uc6c0\uc774 \ub429\ub2c8\ub2e4.<\/p>\n<p>\uc11c\ube0c\ud504\ub77c\uc784 \ubaa8\uae30\uc9c0\ub860\uc740 \uae08\uc9c0\ub418\uc5b4 \uc788\uc2b5\ub2c8\ub2e4. \ube44QM \ub300\ucd9c \uae30\uad00\uc740 \ub300\uccb4 \uc18c\ub4dd\uc6d0\uc774 \uc788\ub294 \ucc28\uc6a9\uc778\uc774 \uc0c1\ud658 \ub2a5\ub825\uc744 \uc785\uc99d\ud558\uace0 \ubaa8\uae30\uc9c0 \ub300\ucd9c\uc744 \ubc1b\uc744 \uc218 \uc788\ub3c4\ub85d \ub3d5\uc2b5\ub2c8\ub2e4. \ube44\uc804\ud1b5\uc801\uc778 \uc0c1\ud669\uc744 \uac16\ub294\ub2e4\ub294 \uac83\uc740 \ub2e8\uc21c\ud788 \uc218\uc785\uc758 \ub300\ubd80\ubd84\uc744 \ubbf8\uad6d \uc774\uc678\uc758 \uc9c0\uc5ed\uc5d0\uc11c \ubc8c\uace0 \uc788\ub2e4\ub294 \uac83\uc744 \uc758\ubbf8\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc18c\ub4dd\uc774 \ud655\uc778\ub420 \uc218 \uc788\ub294 \ud55c \ub3c8\uc744 \ubc84\ub294 \uacf3\uc740 QM\uc774 \uc544\ub2cc \ub300\ucd9c \uae30\uad00\uc5d0\uac8c \uc911\uc694\ud558\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4. \ub354 \ub192\uc740 \uc218\uc218\ub8cc \ub610\ub294 \ub354 \ud070 \uacc4\uc57d\uae08\uacfc \uac19\uc740 \uc704\ud5d8\uc744 \ubcf4\uc0c1\ud558\uae30 \uc704\ud574 \ub2e4\ub978 \uc218\uc218\ub8cc\uac00 \uc788\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc11c\ube0c\ud504\ub77c\uc784 \ubaa8\uae30\uc9c0\ub294 \uc801\uaca9 \ubaa8\uae30\uc9c0\uac00 \uc544\ub2d9\ub2c8\ub2e4. \ub300\ucd9c \uae30\uad00\uc740 \ucc28\uc6a9\uc778\uc758 \uc7ac\uc815 \uc774\ub825\uc744 \ud655\uc778\ud560 \ub3d9\uc77c\ud55c \uc758\ubb34\uac00 \uc788\uc9c0\ub9cc \uc2b9\uc778\uc744 \ubcf4\uc7a5\ud558\uae30 \uc704\ud574 \uc885\uc885 \ubaa8\uc11c\ub9ac\uac00 \uc798\ub9bd\ub2c8\ub2e4.<\/p>\n<p>\uc11c\ube0c\ud504\ub77c\uc784 \ubaa8\uae30\uc9c0\ub294 \ub300\ucd9c \uae30\uad00\uc774 \uc0c1\ud658 \ub2a5\ub825\uc744 \uacb0\uc815\ud560 \ubc95\uc801 \uc758\ubb34\uac00 \uc788\ub294 \uac83\uacfc \uac19\uc740 \uc774\uc720\ub85c \ubaa8\uae30\uc9c0 \uc704\uae30\ub97c \uc77c\uc73c\ucf30\uc2b5\ub2c8\ub2e4. \ud55c \ubc88\uc5d0 \uc218\ucc9c \uba85\uc758 \uc8fc\ud0dd \uc18c\uc720\uc790\uc758 \uac11\uc791\uc2a4\ub7ec\uc6b4 \ucc44\ubb34 \ubd88\uc774\ud589\uc740 \uc9c0\uc5ed, \uc9c0\uc5ed \ubc0f \uad6d\uac00 \uacbd\uc81c\uc5d0 \uc2ec\uac01\ud55c \ud53c\ud574\ub97c \uc785\ud788\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ub300\uacf5\ud669\uc758 \uacbd\uc6b0 \uc218\ubc31\ub9cc \uba85\uc758 \uc8fc\ud0dd \uc18c\uc720\uc790\uac00 \ucc44\ubb34 \ubd88\uc774\ud589\uc744 \ud558\uc5ec \ub300\ucd9c \uae30\uad00\uc774 \uc801\uaca9 \ubaa8\uae30\uc9c0 \uc81c\uacf5 \uc694\uac74\uc744 \ucda9\uc871\ud558\uc9c0 \ubabb\ud588\ub2e4\ub294 \uc0ac\uc2e4\uc774 \ub4dc\ub7ec\ub0ac\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ube44 QM \ubaa8\uae30\uc9c0 \ub300\ucd9c \uae30\uad00\uc740 \ub2e8\uc21c\ud788 \ub300\ucd9c \ud560\ub2f9\ub7c9\uc744 \ucda9\uc871\ud558\ub294 \uac83\uc744 \ubaa9\ud45c\ub85c \ud558\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \ub300\ucd9c \uae30\uad00\uc740 \ubb38\uc81c \uc5c6\uc774 \uc0c1\ud658 \uc758\ubb34\ub97c \uc774\ud589\ud560 \uc218 \uc788\ub294 \ucc28\uc6a9\uc778\uc744 \ucc3e\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc774 \ucc28\uc6a9\uc778 \ubaa8\ub450\uac00 \ucfe0\ud0a4 \ucee4\ud130 \uc7ac\ubb34 \ud504\ub85c\ud544\uc744 \uac00\uc9c0\uace0 \uc788\uc9c0\ub294 \uc54a\uc2b5\ub2c8\ub2e4. \uc77c\ubd80\ub294 \uc0c8\ub85c\uc6b4 \ube44\uc988\ub2c8\uc2a4 \uc18c\uc720\uc790\uc774\uace0 \ub2e4\ub978 \uc77c\ubd80\ub294 \uac1c\uc778 \ubd80\ub3d9\uc0b0 \ud22c\uc790\uc790\uc785\ub2c8\ub2e4.<\/p>\n<p>&nbsp;<\/p>\n<p>\uc801\uaca9 \ubaa8\uae30\uc9c0 \ub300\ucd9c \uae30\uad00\uc758 \uacbd\uc6b0 \uc774 \uc778\uad6c \ud1b5\uacc4\ub294 \uc704\ud5d8\ud569\ub2c8\ub2e4. \uae30\uc874\uc758 \ub300\ucd9c \uae30\uad00\uc740 \uc0ac\uc5c5\uc774 \uc798 \uc218\ud589\ub420\uc9c0 \ub610\ub294 \uc5f4\uc545\ud55c \uc0c1\ud0dc\uc758 \uc8fc\ud0dd\uc744 \uc7ac\uac74\ud560 \uc218 \uc788\ub294\uc9c0 \ud655\uc778\ud560 \uc804\ubb38 \uc9c0\uc2dd\uc774 \uc5c6\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uadf8\ub7ec\ub098 \ube44 QM \ubaa8\uae30\uc9c0 \ub300\ucd9c \uae30\uad00\uc740 \uacbd\uc9c8 \ub300\ucd9c\uacfc \uac19\uc740 \ud2c8\uc0c8 \uc0c1\ud488\uc744 \ub300\ucd9c\ud558\uace0 \ucc3e\uc544\uc57c \ud560 \uc62c\ubc14\ub978 \uc7ac\ubb34 \ud504\ub85c\ud544\uc744 \uc774\ud574\ud55c \uacbd\ud5d8\uc774 \uc788\uc2b5\ub2c8\ub2e4. \uadf8\ub4e4\uc740 \ud3c9\uade0 \uc774\ud558\uc758 \uc2e0\uc6a9\uc744 \uac00\uc9c4 \ucc28\uc6a9\uc778\uc774\ub098 \uc11c\ube0c\ud504\ub77c\uc784 \uc735\uc790\ucc98\ub7fc \uace0\uc6a9\uc744 \uc99d\uba85\ud560 \uc218 \uc5c6\ub294 \ucc28\uc6a9\uc778\uc744 \ucc3e\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc800\uc18c\ub4dd, \ube44\uc804\ud1b5\uc801\uc778 \ubc94\uc8fc\uc5d0 \uc18d\ud558\ub294 \ud14d\uc0ac\uc2a4\uc758 \ub354 \ub9ce\uc740 \uc8fc\ud0dd \uc18c\uc720\uc790\ub294 \uc740\ud589\uc758 \uc99d\uac00\ud558\ub294 \uc81c\ud55c\uc744 \ud53c\ud558\uae30 \uc704\ud574 \ube44QM \ub300\ucd9c\uc744 \uc6d0\ud569\ub2c8\ub2e4. \uadf8\ub4e4\uc740 \uc5c4\uaca9\ud55c \uc804\ud1b5\uc801\uc778 \ubaa8\uae30\uc9c0\ubcf4\ub2e4 \uc790\uaca9\uc744 \uac16\ucd94\uae30 \uc704\ud574 \ub354 \ub9ce\uc740 \uc635\uc158\uc744 \ucc3e\uc744 \uc218 \uc788\uc74c\uc744 \ud655\uc2e0\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>&nbsp;<\/p>\n<p>\ube44 QM \ub300\ucd9c\uc774 \ud544\uc694\ud55c \uc0ac\ub78c\uc740 \ub204\uad6c\uc785\ub2c8\uae4c?<br \/>\n\ube44 QM \ub300\ucd9c\uc740 \ubaa8\uae30\uc9c0 \ubd80\ucc44\ub97c \uc0c1\ud658\ud560 \uc218 \uc788\uc9c0\ub9cc \uc774\ub97c \uc99d\uba85\ud558\ub294 \ub370 \ud544\uc694\ud55c \uae30\uc874\uc758 \ubaa8\ub4e0 \uc11c\ub958\uac00 \uc5c6\ub294 \uc0ac\ub78c\uc5d0\uac8c \ud6cc\ub96d\ud55c \uc635\uc158\uc785\ub2c8\ub2e4. \ub2e4\uc74c\uc740 Non-QM \ub300\ucd9c\uc744 \uc2e0\uccad\ud558\ub294 \uba87 \uac00\uc9c0 \uc774\uc720\uc785\ub2c8\ub2e4.<\/p>\n<p>&nbsp;<\/p>\n<p>\ud22c\uc790\uc790 \uac70\ub798<br \/>\n\ube44 QM \ub300\ucd9c\uc744 \ucd94\uad6c\ud558\ub294 \uc77c\ubc18\uc801\uc778 \uc774\uc720 \uc911 \ud558\ub098\ub294 \ud22c\uc790 \ubd80\ub3d9\uc0b0\uc744 \uad6c\uc785\ud558\ub294 \uac83\uc785\ub2c8\ub2e4. \uc774\ubbf8 \uadc0\ud558\uc758 \uc774\ub984\uc73c\ub85c \ubaa8\uae30\uc9c0\ub860\uc774 \uc788\ub294 \uacbd\uc6b0 \uae30\uc874 \ub300\ucd9c\uae30\uad00\uc5d0\uc11c \ub2e4\ub978 \ubaa8\uae30\uc9c0\ub860\uc744 \uc81c\uacf5\ud558\ub3c4\ub85d \uc124\ub4dd\ud558\uae30 \uc5b4\ub824\uc6b8 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ube44QM \ub300\ucd9c\uc740 \uac1c\uc778 \uc18c\ub4dd \uc678\uc5d0 \ubd80\ucc44 \uc0c1\ud658 \uac00\ub2a5 \uc5ec\ubd80\ub97c \uacb0\uc815\ud569\ub2c8\ub2e4. \uadc0\ud558\ub294 \uc885\uc885 \uadc0\ud558\uc758 \uc0ac\uc5c5 \uc18c\ub4dd\uc774\ub098 \ub354 \ud070 \uacc4\uc57d\uae08\uc744 \uc0ac\uc6a9\ud558\uc5ec \uc0c1\ud658 \ub2a5\ub825\uc744 \uc785\uc99d\ud558\uc2ed\uc2dc\uc624.<\/p>\n<p>&nbsp;<\/p>\n<p>\uc9d1 \ub4a4\uc9d1\uae30<br \/>\n\ub4a4\uc9d1\uc744 \uacc4\ud68d\uc778 \ubd80\ub3d9\uc0b0\uc758 \uac00\uce58\ub294 QM\uc774 \uc544\ub2cc \ub300\ucd9c\uc744 \uc81c\uacf5\ud558\ub294 \uacbd\uc131 \uc790\uae08 \ub300\ucd9c \uae30\uad00\uc5d0\uac8c \uc911\uc694\ud569\ub2c8\ub2e4. \uc774\ub7ec\ud55c \ub300\ucd9c \uae30\uad00 \uc911 \ub2e4\uc218\ub294 \uc8fc\ud0dd \uc2dc\uc7a5\uc744 \uc798 \uc774\ud574\ud558\uace0 \uc788\uc73c\uba70 \uadc0\ud558\uac00 \ubd80\ucc44\ub97c \uc0c1\ud658\ud560 \uc218 \uc788\ub294\uc9c0 \uc5ec\ubd80\ub97c \uacb0\uc815\ud558\uae30 \uc704\ud574 \ubd80\ub3d9\uc0b0 \uac70\ub798 \uc790\uccb4\ub97c \uac80\ud1a0\ud560 \uac83\uc785\ub2c8\ub2e4.<\/p>\n<p>\ubd80\ub3d9\uc0b0 \ud504\ub85c\ud544 \uc678\uc5d0\ub3c4 \uc9d1 \uc624\ub9ac\ubc1c\ub85c\uc11c\uc758 \uacbd\ud5d8\uc774 \uc911\uc694\ud569\ub2c8\ub2e4. \uc2e0\uc6a9\uc774 \uc88b\uc9c0 \uc54a\ub354\ub77c\ub3c4 \uc9d1\uc744 \ub4a4\uc9d1\uc740 \uc785\uc99d\ub41c \uacbd\ud5d8\uc774 \uc788\uace0 \ud14c\uc774\ube14\uc5d0\uc11c \uc88b\uc740 \uac70\ub798\ub97c \ud558\uace0 \uc788\ub2e4\uba74 \ud558\ub4dc \uba38\ub2c8 \ub300\ucd9c\uc744 \ubc1b\uc744 \uac00\ub2a5\uc131\uc774 \ub354 \ud07d\ub2c8\ub2e4.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\uc735\uc790\uc9c0\uc2dd224 Qualified Mortgage vs. Non-Qualifying Mortgages Most people are familiar with\u00a0&#8216;Qualified Mortgages.&#8217;\u00a0A Qualified Mortgage is a type of loan that has clearly defined rules for approval. These rules make the\u00a0loan\u00a0safer for lenders because they point to your ability to repay the debt. Conventional lenders have to do their due diligence or make a good faith [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[7],"tags":[],"class_list":["post-2459","post","type-post","status-publish","format-standard","hentry","category-financial-study"],"_links":{"self":[{"href":"https:\/\/usezloan.com\/index.php\/wp-json\/wp\/v2\/posts\/2459","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/usezloan.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/usezloan.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/usezloan.com\/index.php\/wp-json\/wp\/v2\/users\/5"}],"replies":[{"embeddable":true,"href":"https:\/\/usezloan.com\/index.php\/wp-json\/wp\/v2\/comments?post=2459"}],"version-history":[{"count":3,"href":"https:\/\/usezloan.com\/index.php\/wp-json\/wp\/v2\/posts\/2459\/revisions"}],"predecessor-version":[{"id":2574,"href":"https:\/\/usezloan.com\/index.php\/wp-json\/wp\/v2\/posts\/2459\/revisions\/2574"}],"wp:attachment":[{"href":"https:\/\/usezloan.com\/index.php\/wp-json\/wp\/v2\/media?parent=2459"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/usezloan.com\/index.php\/wp-json\/wp\/v2\/categories?post=2459"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/usezloan.com\/index.php\/wp-json\/wp\/v2\/tags?post=2459"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}