VOE ÇÁ·Î±×·¥
°°Àº È¸»ç¿¡¼ ÃÖ¼Ò 2³â ±Ù¹«½Ã »ç¿ëÀÌ °¡´ÉÇÑ ¸ð±âÁö À¶ÀÚ ÇÁ·Î±×·¥ÀÔ´Ï´Ù.
À¶ÀÚ ½Åû½Ã borrower ´Â ¼¼±Ýº¸°í, W2, pay stubs ¸¦ Á¦ÃâÇÏÁö ¾Ê´Â Æí¸®ÇÔÀÌ ÀÖ½À´Ï´Ù.
DSCR ÇÁ·Î±×·¥ (·»Å»ÀÎÄÄ, Debt Service Coverage Ratio)
·»Å» ÁÖÅðǹ°ÀÇ ·»Æ®¼öÀÔ°ú ÁöÃâºñ¿ëÀÇ ºñÀ²·Î ¹Þ´Â ¸ð±âÁö À¶ÀÚ ÇÁ·Î±×·¥ÀÔ´Ï´Ù.
Á¶°Ç ÃæÁ·½Ã ½¬¿î À¶ÀÚ ÇÁ·Î±×·¥À̱⠶§¹®¿¡ ·£µå·Îµå¿¡°Ô ÀαⰡ ¸¹Àº ÇÁ·Î±×·¥ÀÔ´Ï´Ù.
 
¸®¹ö½º ¸ð±âÁö ÇÁ·Î±×·¥ (Reverse Mortgage)
62¼¼ ÀÌ»ó ÁÖÅà¼ÒÀ¯ÀÚ¸¸ ½ÅûÇÒ ¼ö Àִ Ưº°ÇÑ ÁÖÅÃÀ¶ÀڷΠ
2022³â ´õ¿í Àλó µÈ À¶ÀÚ Çѵµ ($970,800) ·Î À¶Àڱݾנ¼öÀͱÝÀ» 
¿©·¯°¡ÁöÀÇ ¹æ¹ýÀ¸·Î ¼ö·ÉÀÌ °¡´ÉÇÕ´Ï´Ù. 
¿À·£ °æÇèÀÇ Compass Lending Group ¸®¹ö½º ¸ð±âÁö Àü¹®°¡¸¦ ÅëÇØ 
Ä«¿î¼¿¸µ ÁöµµºÎÅÍ ´Ü°èº°·Î »ó´ãÀÌ °¡´ÉÇÏ¿À´Ï ¾î¶°ÇÑ ¿É¼ÇÀÌ ÀÖ´ÂÁö 
»ó´ã ¹Þ¾Æº¸½Ã±â¸¦ ÃßõÇÕ´Ï´Ù.
 
DPA (Down Payment Assistance) ÇÁ·Î±×·¥
First time home buyer (Áö³ 3³â°£ ÁÖÅñ¸¸Å ±â·ÏÀÌ ¾ø´Â ºÐµµ ÇØ´ç) µé¿¡°Ô 
ÁÖ¾îÁö´Â º¸Á¶ ÇÁ·Î±×·¥ÀÔ´Ï´Ù. ÁÖ, Ä«¿îƼ, ½Ã¿¡¼ ´Ù¾çÇÏ°Ô º¸Á¶Çϴ 
ÇÁ·Î±×·¥µéÀÌ Àֱ⠶§¹®¿¡ ÁÖÅñ¸¸Å½Ã Compass Lending Group DPA Àü¹®°¡ 
»ó´ãÀ» ¹ÞÀ¸¼Å¼ º¸´Ù ¼ö¿ùÈ÷ Àú·ÅÇÏ°Ô ±¸¸ÅÇϽñ⸦ ±ÇÀåÇÕ´Ï´Ù.
 
JUMBO ÇÁ·Î±×·¥
Ä«¿îƼ ÄÄÆ÷¹Ö ¸ð±âÁö À¶ÀÚÇѵµ¸¦ ³Ñ´Â ±Ý¾×ÀÇ À¶ÀÚ ÇÁ·Î±×·¥À¸·Î 
¿¤¿¡ÀÌ¿Í ¿À·»Áö Ä«¿îƼ °°ÀÌ ³ôÀº Áý°ªÀÇ ÁÖÅ౸ÀԽà»ç¿ëÀÌ µÇ´Â 
À¶ÀÚ ÇÁ·Î±×·¥ÀÔ´Ï´Ù. LA ¿Í OC Àü¹® ¸ð±âÁö È¸»ç·Î ¼ö¸¹Àº Á¡º¸ ÇÁ·Î±×·¥ 
°æÇèÀÌ Àִ Compass Lending Group Jumbo Loan Àü¹®°¡°¡ ±î´Ù·Î¿î 
Á¡º¸ ¸ð±âÁö À¶ÀÚ¸¦ ½±°Ô, ½Ã¿øÇÏ°Ô µµ¿Íµå¸®°Ú½À´Ï´Ù.
Ãß°¡ ¹®ÀÇ
¹× ÀÚ¼¼ÇÑ ¹«·á ÀüÈ»ó´ãÀº ¾Æ·¡ ¿¬¶ôó·Î ¿¬¶ô ºÎŹµå¸³´Ï´Ù.
 
 
714-615-1125
James Kim, Senior Loan Consultant
 
714-356-5535
Steve Kim, Senior Loan Consultant
 
714-726-2386
Eddie Song, Senior Loan Consultant
 
 
#LA
#OC #mortgage #reversemortgage #HECM #VOE #DSCR #DPA #Jumbo 
#refinance
#home #¸ð±âÁö #ÁÖÅÃÀ¶ÀÚ #¿ª¸ð±âÁö
#¸®¹ö½º·Ð #¸®¹ö½º¸ð±âÁö 
#·»Å»ÀÎÄÄ #Á¡º¸·Ð #ÀçÀ¶ÀÚ #ºÎµ¿»ê #ÁÖÅñ¸¸Å #ÁýÀ¶ÀÚ #Áý±¸¸Å #LAÁÖÅÃÀ¶ÀÚ #OCÁÖÅÃÀ¶ÀÚ