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ÁÖÅÃÀ¶ÀÚ´Â Áõºù ÀÚ·á Áغñ Á¤µµ¿¡ µû¶ó Å©°Ô ? Áõºù¼­·ù ¿Ïºñ (Full Document), ? °£´ÜÇÑ Áõºù¼­·ù (Low Document), ? Áõºù¼­·ù ºÒÇÊ¿ä (No Document) ·Î ±¸ºÐµÇ¸ç ¸¹Àº Â÷ÀÌ°¡ ÀÖ½À´Ï´Ù. ÀÚ·á°¡ öÀúÇÒ¼ö·Ï ³·Àº ÀÌÀÚÀ² ÇÁ·Î±×·¥À» ¼±ÅÃÇÒ ¼ö ÀÖ´Â ±âȸ°¡ ¸¹½À´Ï´Ù


Full Document

Full Document ÇÁ·Î±×·¥À» ¸ÕÀú ¼³¸íÇÑ´Ù¸é, ÁÖÅÃÀ¶ÀÚ¸¦ ½ÅûÇÏ½Ç ¶§ ¾Æ·¡ÀÇ ¸î°¡Áö ¼­·ù¸¦ ¹Ì¸® ÁغñÇØ ³õÀ¸½Ã¸é º¸´Ù ¼ö¿ùÇÏ°Ô À¶ÀÚ¸¦ ¾òÀ¸½Ç ¼ö ÀÖ½À´Ï´Ù.

À¶ÀÚÀºÇà (Lender) ¿¡¼­´Â À¶ÀÚ½ÅûÀÎÀÇ ¼Òµæ (Source of Income) À» ¹«Ã´ Áß½ÃÇϴµ¥, Å©°Ô Á÷ÀåÀΰú ÀÚ¿µ¾÷ÀÚ·Î ±¸ºÐÇÕ´Ï´Ù. Á÷ÀåÀÎÀÇ °æ¿ì Áö³­ 2³â°£ÀÇ W-2 ¾ç½Ä (¸Å³â ³âÃÊ¿¡ ¼¼±Ýº¸°í¸¦ À§ÇØ Áö³­ÇØ ¼öÀÔ³»¿ªÀ» º¸°íÇÏ´Â ¾ç½Ä) ÀÌ ÇÊ¿äÇÏ°í, ÃÖ±ÙÀÇ Pay-stub 2°³¸¦ ÁغñÇÏ¼Å¾ß ÇÕ´Ï´Ù.

ÀÚ¿µ¾÷ÀÚ´Â Áö³­ 2³â°£ÀÇ ¼Òµæ¼¼ ½Å°í¼­ (1040 Form) °¡ ÇÊ¿äÇϸç, Á÷ÀåÀ» ´Ù´Ï½ÃÁö¸¸ ¿ù±ÞÁ¦°¡ ¾Æ´Ñ ºÐÀ¸·Î¼­ W-2 Form ´ë½Å 1099 Form À» ¹ÞÀ¸½Ã´Â ºÐÀº ÀÚ¿µ¾÷À» ÇϽô ºÐ°ú ¸¶Âù°¡Áö·Î 2³âÄ¡ ¼¼±Ýº¸°í¼­ (Tax Return) ¸¦ ÇÊ¿ä·Î ÇÕ´Ï´Ù.

¶ÇÇÑ, Áö³­ 2°³¿ù°£ÀÇ Ã¼Å·, ¶Ç´Â ¼¼À̺ù ±¸ÁÂÀÇ Bank Statement¸¦ ÁغñÇÕ´Ï´Ù. ÁÖ½Ä, ä±Ç, CD, ÀºÅð°èÁ ³»¿ª, »ý¸í º¸ÇèÀÇ Çö±Ý°¡Ä¡(Cash Value) µîµµ ²Ä²ÄÈ÷ ÁغñÇÕ´Ï´Ù.

±âÁ¸ÀÇ ¸ð±âÁö ³»¿ª°ú, Å©·¹µ÷Ä«µå ´ëÃâ, ÀÚµ¿Â÷ ´ëÃâ, ÇÐÀÚ±Ý ´ëÃâ, ÀÌÈ¥ À§ÀÚ·á, ÀÚ³à ¾çÀ°ºñ µî ¸ðµç 乫 ÀÚ·áµµ °èÁ¹øÈ£¿Í ÇöÀçÀÇ ÀÜ°í µîÀ¸·Î ¼¼ºÐÇØ ÇÔ²² ÁغñÇØ¾ß ÇÕ´Ï´Ù


Source of Fund

À¶ÀÚ ÀºÇà¿¡¼­ °¡Àå ±î´Ù·Ó°Ô º¸´Â ¼­·ù Áß Çϳª°¡ Source of Fund ÀÔ´Ï´Ù. ¸¶¾àÀ» ÆÇ µ·ÀÎÁö ¶Ç´Â ºÒ¹ý °Å·¡·Î ¾òÀº µ·ÀÎÁö ¶Ç Àû°Ô´Â ÁÖÅà ±¸ÀÔÀ» À§ÇØ ºô¸° µ·ÀÎÁö¸¦ È®ÀÎÇϱâ À§Çؼ­ ÇÊ¿äÇÑ ¼­·ùÀÔ´Ï´Ù. ¸¶¾à, ºÒ¹ý °Å·¡, ¶Ç´Â ÁýÀ» »ç±â À§ÇØ ºô·Á¼­ Down Payment ¸¦ ÇÏ½Ã°í »ç´Â °æ¿ì Áý Â÷¾ÐÀÇ È®·üÀÌ ³ô¾ÆÁö±â ¶§¹®À̱⵵ ÇÕ´Ï´Ù.

º¸Åë ÀºÇà¿¡¼­´Â 2°³¿ù°£ÀÇ ÀÜ°í Áõ¸íÀ» ¿ä±¸ÇϹǷΠÇö±ÝÀº ¹Ì¸® ¹Ì¸® ¿¹±ÝÇØ¾ß ÇÕ´Ï´Ù. ´Ù½Ã ¸»Çϸé, 2°³¿ù µ¿¾ÈÀÇ Æò±Õ ÀÜ°í°¡ Down Payment ¿Í Closing Costs ¸¦ ÃæºÐÈ÷ Ä«¹öÇÒ ¼ö ÀÖÀ» Á¤µµ·Î ÀºÇà ÀÜ°í Áõ¸í¼­¿¡ º¸¿©Á®¾ß ÇÕ´Ï´Ù. µû¶ó¼­, ´Ù¿î ÆäÀ̸ÕÆ® ÇÒ µ·À» ÇöÂû (Cash) ·Î °¡Áö°í ÀÖ´Ù°¡ °©Àڱ⠰³ÀÎ ±¸Á¿¡ µðÆÄÁþ ÇÏ´Â °ÍÀº ÁÁÁö ¾Ê½À´Ï´Ù.
5% ´Ù¿îÆäÀÌ ½Ã¿¡´Â 5% Àü ¾×¼ö°¡, 10% ´Ù¿î ½Ã¿¡´Â 10% Áß 5% ÀÌ»óÀÌ ÀºÇà Æò±Õ ÀÜ°í¿¡ º¸¿©Á®¾ß Çϸç, 10% ´Ù¿î ½Ã ³ª¸ÓÁö 5% ´Â ºÎ¸ð³ª ģôÀ¸·ÎºÎÅÍ Gift(¼±¹°)¸¦ ¹ÞÀ¸½Ã´Â °ÍÀ¸·Î ó¸®ÇÏ½Ç ¼ö°¡ ÀÖÀ¸¸ç, 20% ÀÌ»ó ´Ù¿î ÆäÀÌ ½Ã¿¡´Â 20%ÀÌ»óÀÇ ´Ù¿îÆäÀÌ¿Í Å¬·Î¡ ÄÚ½ºÆ® Àü¾×À» Gift ·Î ó¸® ÇÒ ¼ö ÀÖ½À´Ï´Ù.

2°³¿ù µ¿¾ÈÀÇ Æò±Õ ÀÜ°í¸¦ Áõ¸íÇϱâ À§Çؼ­´Â 2°³¿ù ÀºÇà Statement ³ª À¶ÀÚȸ»ç¿¡¼­ ¼Õ´ÔÀÇ ÀºÇàÀ¸·ÎºÎÅÍ VOD(Verification of Deposit: ÀÜ°í Áõ¸í¼­)À» Á÷Á¢ ¿äûÇÏ¿© ¹Þ±âµµ ÇÕ´Ï´Ù.


Low / No Document

À§ÀÇ ¼­·ùµéÀ» Áõ¸íÇÏ½Ç ¼ö ¾ø´Â ºÐµéÀ» À§ÇÏ¿© Special Program µµ ÀÖ½À´Ï´Ù. Income(¼öÀÔ)À» Áõ¸íÇϽñⰡ ¾î·Á¿î ºÐµéÀ» À§ÇÏ¿© ¡°Stated Income¡± À̶ó´Â ¼öÀÔ Áõ¸í ¼­·ù¸¦ ¿ä±¸ÇÏÁö ¾Ê´Â ÇÁ·Î±×·¥°ú Source of Fund(µ·ÀÇ Ãâó)¸¦ ´ë½Ç ¼ö ¾ø´Â ºÐµéÀ» À§ÇÏ¿© ¡°NO INCOME & NO ASSET¡± À̶ó´Â ¸ðµç ¼­·ù°¡ ÇÊ¿ä¾ø´Â ÇÁ·Î±×·¥µµ ÀÖÀ¸³ª À¶ÀÚ ÀºÇà¿¡¼­ ÇÊ¿äÇÑ ¼­·ù¸¦ ÁغñÇØ Á¦ÃâÇÒ ¶§º¸´Ù ÀÌÀÚ³ª Loan Fee°¡ ¾à°£ ³ô¾ÆÁú ¼öµµ ÀÖ´Ù´Â °ÍÀ» °¨¾ÈÇÏ¼Å¾ß ÇÕ´Ï´Ù.

ÀÌ ÇÁ·Î±×·¥µéÀº Å©·¹µ÷µµ ÁÁ¾Æ¾ß Çϸç, ÇÊ¿äÇÑ Áõºù¼­·ù¸¦ ¸ðµÎ ÁغñÇØ Á¦ÃâÇÒ ¶§º¸´Ù ÀÌÀÚ°¡ ¾à°£ ³ô¾ÆÁú ¼ö ÀÖÁö¸¸, ±Ù·¡ µé¾î ´ëºÎºÐÀÇ ÀÚ¿µ¾÷ÀÚµéÀÌ ¼±È£ÇϽô ÇÁ·Î±×·¥ÀÔ´Ï´Ù.


¿¹¹®

¸Å¿ù ÁÖÅÃÀ¯Áö¸¦ À§ÇØ ³»´Â ¸ð±âÁö¿Í ºÎµ¿»ê¼¼ ±×¸®°í º¸Çè·á µîÀ» ÇÕÇÏ¿© 2õ5¹é ´Þ·¯¸¦ ÁöºÒÇØ¾ß ÇÑ´Ù¸é IRS¿¡ Á¦ÃâÇÑ ¼¼±Ýº¸°í¼­¿¡ $9¸¸9¹é10´Þ·¯ ÀÌ»óÀÇ Gross IncomeÀ» º¸°íÇß¾î¾ß¸¸ ÇÏ´Â ÀºÇàÀÇ À¶ÀÚÁ¶°Ç ¶§¹®ÀÌ´Ù.

ÀÌ °è»êÀº ½ÅûÀÚÀÇ ÇÑ´Þ ¼öÀÔÀÇ 33%°¡ $2õ5¹é ´Þ·¯À̾î¾ß ÇÏ´Â À¶ÀÚ±ÔÁ¤ ¶§¹®ÀÌ´Ù.

´õ±¸³ª ÀÚ±ÝÃâó¸¦ Á¶»ç (Assets Check)ÇÒ °æ¿ì¿¡´Â DownpaymentÇÒ ±Ý¾×°ú Á¦¹Ý Closingºñ¿ëÀÌ ÃÖ¼ÒÇÑ 3°³¿ù ÀÌÀü¿¡ ±× ÀºÇ౸Á¿¡ ¿¹Ä¡ µÅ ÀÖ¾úÀ½À» Áõ¸íÇØ¾ß ÇÏ°í ÇöÂûÀ» °®°í Àְųª ȤÀº Çѹø¿¡ Å« ±Ý¾×À» ÀºÇà¿¡ DepositÇÑ °æ¿ì ±× Ãâó¸¦ Áõ¸íÇØ¾ß ÇÏ´Â ¾î·Á¿òÀÌ µû¸¥´Ù.

Áö±Ý±îÁö °æÇèÀ¸·Î º¸¾ÒÀ» ¶§ ´ëºÎºÐ ÀÚ¿µ»ç¾÷À» ¿î¿µÇÏ´Â ÇÑÀε鿡°Ô´Â ÀûÇÕÇÑ Program ÀÌ ¾Æ´Ï¶ó´Â °ÍÀÌ´Ù.


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Document Inventory Information needed at your application:

1. Social Security Number & Driver's License.
2. Residence Addresses(Past 2 years). Áö³­ 2³âÀÇ ÁÖ¼Ò
3. Names and Addresses of Each Employer( Past 2 years). Á÷Àå¸í°ú ÁÖ¼Ò
4. Current Pay Stubs(On Each Individual- 3 Months). 3 °³¿ù ¼öÀÔ ³»¿ª
5. Names, Address, Account Numbers, Balances (All Checking & Savings Accounts, Last 3 Months). ÀºÇà ±¸Á ³»¿ë°ú ÁÖ¼Ò
6. Names, Address, Account Numbers, Balances & Monthly Payment of All Open Loans and Car Loans. ºÎä ³»¿ª
7. Addresses of Any Real Estate Owned and Loan Information. ¼ÒÀ¯ ºÎµ¿»ê ³»¿ª
8. Last 2 years W2's(Tax Returns If Self Employed). Áö³­ 2³â°£ ¼¼±Ýº¸°í¼­
9. Purchase and Sales Agreement/Earnest Money Agreement. ±¸¸Å °è¾à¼­

REQUIRED DOCS:

10. Signed Original Loan Application(1003) and Other Docs. À¶ÀÚ ½Åû¼­
11. Signed Good Faith Estimate.
12. Appraisal and Credit Fee $250(With Application) To Mortgage Company. ½Å¿ëÁ¶»ç¿Í °¨Á¤ºñ
13. Copy of Green Cards. ¿µÁÖ±Ç



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