{"type":"video","version":"1.0","html":"<iframe src=\"https://www.loom.com/embed/4c2240b6030248e3ac2b70959c3f63bd\" frameborder=\"0\" width=\"1628\" height=\"1221\" webkitallowfullscreen mozallowfullscreen allowfullscreen></iframe>","height":1221,"width":1628,"provider_name":"Loom","provider_url":"https://www.loom.com","thumbnail_height":1221,"thumbnail_width":1628,"thumbnail_url":"https://cdn.loom.com/sessions/thumbnails/4c2240b6030248e3ac2b70959c3f63bd-a0e863bca6b26d1f.gif","duration":1425.48,"title":"Hana Bank (04/28/2026)","description":"Hi everyone, I reviewed our mortgage underwriting and pricing guidelines. Corporate income is used only if the applicant owns 100%, based on 2 year average net income after tax with addbacks, and not if ownership is split. Rental income uses 80 percent addback for the subject renter and 80 percent offset for non subject rentals, with legal suite rules for basement suites, and foreign income is limited to US and Korea only. Key caps are max GDS 45.5 percent and max TDS 50 percent, with fixed rates and bips premiums and discounts described. If you have a deal, send me the documents by Thursday and get underwriting approval first for the final term sheet, since conditions are mostly set upfront."}