{"id":26081,"date":"2026-06-19T08:40:00","date_gmt":"2026-06-19T12:40:00","guid":{"rendered":"https:\/\/songlawfirm.com\/?p=26081"},"modified":"2026-06-10T22:11:01","modified_gmt":"2026-06-11T02:11:01","slug":"%ed%8c%8c%ec%82%b0-%ed%9b%84-%ec%8b%a0%ec%9a%a9-%ed%9a%8c%eb%b3%b5-6%ea%b0%9c%ec%9b%94-2%eb%85%84-7%eb%85%84","status":"publish","type":"post","link":"https:\/\/songlawfirm.com\/ko\/%ed%8c%8c%ec%82%b0-%ed%9b%84-%ec%8b%a0%ec%9a%a9-%ed%9a%8c%eb%b3%b5-6%ea%b0%9c%ec%9b%94-2%eb%85%84-7%eb%85%84\/","title":{"rendered":"\ud30c\uc0b0 \ud6c4 \uc2e0\uc6a9 \ud68c\ubcf5 \u2014 6\uac1c\uc6d4\u00b72\ub144\u00b77\ub144 \ub9c8\uc77c\uc2a4\ud1a4 (FHA\u00b7Conventional \ubaa8\uae30\uc9c0 \uc7ac\uc9c4\uc785)"},"content":{"rendered":"<p class=\"wp-block-paragraph\"><strong>\ud55c\uc778 \uc758\ub8b0\uc778\uc774 \ud30c\uc0b0 \ub9dd\uc124\uc774\uc2dc\ub294 \uac00\uc7a5 \ud070 \uc774\uc720\ub294 &#8220;\uc2e0\uc6a9 \ud68c\ubcf5\uc774 \uc601\uc601 \ubd88\uac00\ub2a5\ud560 \uac83 \uac19\ub2e4&#8221;\ub294 \ub450\ub824\uc6c0\uc785\ub2c8\ub2e4. \uadf8\ub7ec\ub098 \uc2e4\uc81c\ub85c\ub294 \uba74\ucc45 \uc9c1\ud6c4\ubd80\ud130 \uc2e0\uc6a9 \ud68c\ubcf5\uc774 \uac00\ub2a5\ud558\uba70, \uc1a1\ub85c\ud38c\uc774 \ud568\uaed8\ud55c \uc758\ub8b0\uc778 \ub2e4\uc218\uac00 3~5\ub144 \ub0b4 700\uc810\ub300 \uc2e0\uc6a9 \uc810\uc218\ub97c \ud68c\ubcf5\ud558\uc168\uc2b5\ub2c8\ub2e4.<\/strong><\/p>\n<h2 class=\"wp-block-heading\">\uba74\ucc45 \uc9c1\ud6c4 0~6\uac1c\uc6d4<\/h2>\n<p class=\"wp-block-paragraph\">\uba74\ucc45 \uba85\ub839 \uc0ac\ubcf8 \ubcf4\uad00 + \ubaa8\ub4e0 \uc2e0\uc6a9 \ubcf4\uace0\uc11c(Equifax\u00b7Experian\u00b7TransUnion)\uc5d0 \uba74\ucc45 \ucc44\ubb34\uac00 &#8220;$0 Balance, Discharged in Bankruptcy&#8221;\ub85c \uc815\ud655\ud788 \ud45c\uc2dc \ud655\uc778. \ubcf4\uc870 \uc2e0\uc6a9\uce74\ub4dc(Secured Credit Card) \uc2e0\uccad \u2014 $300~$500 \ubcf4\uc99d\uae08\uc73c\ub85c \ubc1c\uae09\ub418\ub294 \uce74\ub4dc\ub97c \uc0ac\uc6a9\uc561\uc758 10~30%\ub9cc \uc0ac\uc6a9\ud558\uace0 \uc804\uc561 \uc0c1\ud658 \u2192 6\uac1c\uc6d4 \ud6c4 \uc810\uc218 \ube60\ub974\uac8c \ud68c\ubcf5.<\/p>\n<h2 class=\"wp-block-heading\">6\uac1c\uc6d4~2\ub144 \u2014 \uc2e0\uc6a9 \ub2e4\uc591\ud654<\/h2>\n<p class=\"wp-block-paragraph\">\uc77c\ubc18 \ubb34\ub2f4\ubcf4 \uc2e0\uc6a9\uce74\ub4dc 1~2\uc7a5 \ucd94\uac00. \uc790\ub3d9\ucc28 \ub300\ucd9c\ub3c4 \uac00\ub2a5\ud558\ub098 \uc774\uc728 \ub192\uc73c\ubbc0\ub85c \uc2e0\uc911. \ubaa8\ub4e0 \uccad\uad6c\uc11c(\uc804\uae30\u00b7\uac00\uc2a4\u00b7\ud1b5\uc2e0\u00b7\ub80c\ud2b8) \uc790\ub3d9 \ub0a9\ubd80 \uc124\uc815\uc73c\ub85c \uc5f0\uccb4 \ucc28\ub2e8.<\/p>\n<h2 class=\"wp-block-heading\">2~5\ub144 \u2014 \ubaa8\uae30\uc9c0 \uc7ac\uc9c4\uc785<\/h2>\n<p class=\"wp-block-paragraph\"><strong>FHA \ubaa8\uae30\uc9c0:<\/strong> Chapter 7 \uba74\ucc45 \ud6c4 2\ub144, Chapter 13 \uba74\ucc45 \ud6c4 1\ub144(\ub610\ub294 \uc2e0\uccad \ud6c4 2\ub144).<br><strong>Conventional \ubaa8\uae30\uc9c0:<\/strong> Chapter 7 \uba74\ucc45 \ud6c4 4\ub144, Chapter 13 \uba74\ucc45 \ud6c4 2\ub144.<br><strong>NJ vs NY \uc8fc\ud0dd \uac00\uaca9:<\/strong> NJ \ud3c9\uade0 $480K, NY State \ud3c9\uade0 $440K (NYC\ub294 \ub354 \ub192\uc74c). \ud55c\uc778 \uc758\ub8b0\uc778\uc774 \uc8fc\ud0dd \uc7ac\uad6c\ub9e4 \ubaa9\ud45c \uc2dc \uc1a1\ub85c\ud38c\uc740 \uba74\ucc45 \uc9c1\ud6c4\ubd80\ud130 \ubaa8\uae30\uc9c0 \uc7ac\uc9c4\uc785 \uc77c\uc815 \ub9de\ucd98 \uc2e0\uc6a9 \uc7ac\uac74 \uacc4\ud68d \uc81c\uc2dc.<\/p>\n<h2 class=\"wp-block-heading\">5~7\ub144 \u2014 \uae30\ub85d \uc0ad\uc81c<\/h2>\n<p class=\"wp-block-paragraph\">Chapter 13\uc740 7\ub144, Chapter 7\uc740 10\ub144 \uc774\ud6c4 \uc2e0\uc6a9 \ubcf4\uace0\uc11c \uc790\ub3d9 \uc0ad\uc81c. \uc774 \uc2dc\uc810 \uc2e0\uc6a9 \uc810\uc218 700\uc810\ub300 \uc911\ubc18 \uc774\uc0c1 \ud68c\ubcf5 \uac00\ub2a5.<\/p>\n<h2 class=\"wp-block-heading\">\ud68c\ubcf5 \uac00\uc18d\ud654 5\uac00\uc9c0 \uc2b5\uad00<\/h2>\n<p class=\"wp-block-paragraph\">(1) \uc2e0\uc6a9 \uc0ac\uc6a9\ub960 30% \ubbf8\ub9cc \uc720\uc9c0, (2) \uacb0\uc81c\uc77c \uc808\ub300 \ub193\uce58\uc9c0 \uc54a\uae30 \u2014 \ud55c \ubc88 \uc5f0\uccb4\ub3c4 30~70\uc810 \uc601\ud5a5, (3) \uc0c8 \uc2e0\uc6a9 \uc2e0\uccad \ubd84\uc0b0, (4) \uc624\ub798\ub41c \uacc4\uc88c \uc720\uc9c0, (5) \ub9e4\ub144 \ubb34\ub8cc \uc2e0\uc6a9 \ubcf4\uace0\uc11c(annualcreditreport.com) \ud655\uc778.<\/p>\n<h2 class=\"wp-block-heading\">\ud55c\uc778 \uc758\ub8b0\uc778 \uc8fc\uc758 \uc0ac\ud56d<\/h2>\n<p class=\"wp-block-paragraph\">\ud55c\uad6d \uc2e0\uc6a9\uce74\ub4dc\u00b7\uc740\ud589 \uacc4\uc88c\ub294 \ubbf8\uad6d \uc2e0\uc6a9 \uc810\uc218\uc5d0 \ubc18\uc601\ub418\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4. \ubbf8\uad6d \ub0b4 \uc2e0\uc6a9 \uc774\ub825\uc774 \ud575\uc2ec. \ud55c\uc778 \ub3d9\ud3ec \uc740\ud589 \ubc1c\uae09 \ubcf4\uc870 \uce74\ub4dc\ubd80\ud130 \uc2dc\uc791\ud558\uc2dc\uba74 \ud55c\uad6d\uc5b4 \uc0c1\ub2f4\uc744 \ud65c\uc6a9\ud558\uba74\uc11c \uc2e0\uc6a9 \ud68c\ubcf5 \uac00\ub2a5.<\/p>\n<h2 class=\"wp-block-heading\">\uc1a1\ub85c\ud38c\uc758 \uc57d\uc18d<\/h2>\n<p class=\"wp-block-paragraph\">\uc1a1\ub85c\ud38c\uc740 \ud55c\uc778 \uc758\ub8b0\uc778\uc744 \uc704\ud55c \ud55c\uad6d\uc5b4 \uc0c1\ub2f4\uc744 \ud1b5\ud574 \ud30c\uc0b0 \uc2e0\uccad \uc804 \ucc44\uad8c\uc790 \ud611\uc0c1\ubd80\ud130 \uc790\uc0b0 \ubcf4\ud638 \uad6c\uc870 \uac80\ud1a0, \uc2e0\uccad \ud6c4 \uc2e0\uc6a9 \ud68c\ubcf5 \uc804\ub7b5\uae4c\uc9c0 \ud1b5\ud569\uc801\uc73c\ub85c \uc81c\uacf5\ud569\ub2c8\ub2e4. Fort Lee, Bergen County, Hudson County\ub97c \ube44\ub86f\ud55c \ub274\uc800\uc9c0\u00b7\ub274\uc695 \uc804\uc5ed\uc5d0\uc11c \ud55c\uad6d\uc5b4\u00b7\uc601\uc5b4\u00b7\uc911\uad6d\uc5b4 3\uac1c \uc5b8\uc5b4 \uc0c1\ub2f4\uc774 \uac00\ub2a5\ud569\ub2c8\ub2e4.<\/p>\n<h2 class=\"wp-block-heading\">\ubb34\ub8cc \uc0c1\ub2f4 \uc548\ub0b4<\/h2>\n<ul class=\"wp-block-list\"><li>\ud83d\udcde <strong>(201) 461-0031<\/strong> (\uc6d4~\uae08 09:00~18:00 ET)<\/li><li>\u2709\ufe0f <strong>mail@songlawfirm.com<\/strong><\/li><li>\ud83d\udcac \uce74\uce74\uc624\ud1a1 <strong>Song Law Firm<\/strong><\/li><li>\ud83c\udf10 <strong>www.songlawfirm.com<\/strong><\/li><\/ul>\n<p class=\"wp-block-paragraph\"><em>\ubcf8 \uce7c\ub7fc\uc740 \uc77c\ubc18\uc801\uc778 \ubc95\ub960 \uc815\ubcf4 \uc81c\uacf5\uc744 \ubaa9\uc801\uc73c\ub85c \ud558\uba70 \ud2b9\uc815 \uc0ac\uc548\uc5d0 \ub300\ud55c \ubc95\ub960 \uc790\ubb38\uc774 \uc544\ub2d9\ub2c8\ub2e4. \ubcf8 \uae00\uc744 \uc77d\uac70\ub098 \uc1a1\ub85c\ud38c\uc5d0 \uc5f0\ub77d\ud558\ub294 \uac83\ub9cc\uc73c\ub85c\ub294 \ubcc0\ud638\uc0ac\u00b7\uc758\ub8b0\uc778 \uad00\uacc4\uac00 \uc131\ub9bd\ud558\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4. \uad6c\uccb4\uc801\uc778 \ubc95\ub960 \ubb38\uc81c\ub294 \uc790\uaca9 \uc788\ub294 \ubcc0\ud638\uc0ac\uc640 \uc9c1\uc811 \uc0c1\ub2f4\ud558\uc2dc\uae30 \ubc14\ub78d\ub2c8\ub2e4.<\/em><\/p>","protected":false},"excerpt":{"rendered":"<p>\ud55c\uc778 \uc758\ub8b0\uc778\uc774 \ud30c\uc0b0 \ub9dd\uc124\uc774\uc2dc\ub294 \uac00\uc7a5 \ud070 \uc774\uc720\ub294 &#8220;\uc2e0\uc6a9 \ud68c\ubcf5\uc774 \uc601\uc601 \ubd88\uac00\ub2a5\ud560 \uac83 \uac19\ub2e4&#8221;\ub294 \ub450\ub824\uc6c0\uc785\ub2c8\ub2e4. \uadf8\ub7ec\ub098 \uc2e4\uc81c\ub85c\ub294 \uba74\ucc45 \uc9c1\ud6c4\ubd80\ud130 \uc2e0\uc6a9 \ud68c\ubcf5\uc774 \uac00\ub2a5\ud558\uba70, \uc1a1\ub85c\ud38c\uc774 \ud568\uaed8\ud55c \uc758\ub8b0\uc778 \ub2e4\uc218\uac00 3~5\ub144 \ub0b4 700\uc810\ub300 \uc2e0\uc6a9 \uc810\uc218\ub97c [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":26124,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[356,358],"tags":[4189,4184,4185,4190,4188],"class_list":["post-26081","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-356","category--columns","tag-fha","tag-fico","tag-secured-card","tag-4190","tag-4188"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.8 (Yoast SEO v27.8) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>\ud30c\uc0b0 \ud6c4 \uc2e0\uc6a9 \ud68c\ubcf5 \u2014 6\uac1c\uc6d4\u00b72\ub144\u00b77\ub144 \ub9c8\uc77c\uc2a4\ud1a4 (FHA\u00b7Conventional \ubaa8\uae30\uc9c0 \uc7ac\uc9c4\uc785) - \uc1a1\ub3d9\ud638 \uc885\ud569\ub85c\ud38c<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" 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