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(497, 2, '2014-05-28 14:37:30', '2014-05-28 14:37:30', '<b>REI GIFT100 PROGRAM</b>\r\n\r\nREI Down Payment Assistance invests in Oklahoma’s future by providing housing opportunities to low income individuals and families.  The new statewide REI Gift100 Program provides a competitive first mortgage and down payment and closing cost assistance to eligible mortgagors. The down payment is in the form of a gift, second liens or deed restrictions are not required for this program. <strong>REI Oklahoma is QM/ATR Exempt.</strong>\r\n\r\nThe program includes the following loan types:\r\n<ul>\r\n	<li>FHA – 203(b), 234(c) &amp; 203ks (lenders must have an additional approval from U.S. Bank to originate 203ks loans) – 30 year fixed rate</li>\r\n	<li>VA – 203(b) &amp; 234(c) – 30 year fixed rate</li>\r\n	<li>Rural Housing Guaranteed Loan – 30 year fixed rate</li>\r\n	<li>HUD Section 184 – 30 year fixed rate</li>\r\n</ul>\r\nRate/term refinance on any of the above loan products.<strong>\r\n</strong>\r\n\r\n<strong>Lenders:</strong> Lenders must be approved by U.S. Bank to participate in the REI Gift100 program.  Interested lenders should contact U.S. Bank Help desk at 1-800-562-5165 or <a href=\"mailto:mrbp.helpdesk@usbank.com\" target=\"_blank\">mrbp.helpdesk@usbank.com</a>.  You can also contact Dena Sherrill, Housing Program Manager, REI Down Payment Assistance at 1-800-658-2823 or <a href=\"mailto:dsherrill@reiok.org\" target=\"_blank\">dsherrill@reiok.org</a> or Jeremy Layman, Housing Program Specialist at <a href=\"mailto:jlayman@reiok.org\" target=\"_blank\">jlayman@reiok.org</a>.\r\n<p align=\"center\"><b>***Third Party Origination is not allowed***</b></p>\r\n <strong>Program Highlights</strong>\r\n\r\n<strong>Structure:</strong> Up to 4.5% of the total loan amount in the form of a gift. The funds may be used to fund up to 100% of the Borrower\'s cash requirement to close, including the down payment, closing costs, pre-paid items and other related Mortgage Loan fees and expenses.  No portion of the gift funds can be paid to the Borrower unless the Borrower is being reimbursed for an overage of his/her earnest money deposit to the extent the minimum Borrower contribution has been satisfied.  Under the rate/term refinance option, any funds above the amount needed to pay the Borrower\'s loan related costs must be used to reduce the principal amount of the First Mortgage loan.\r\n\r\n<b>First Mortgage Origination Fee:  </b>Usual and customary as allowed by First Mortgage loan program.\r\n\r\n<strong>Interest rates:</strong> REI Down Payment Assistance will post First Mortgage interest rates by 9:00 a.m. C.S.T. daily on the Lender Portal at <a href=\"http://www.reigift100.org/\">www.reigift100.org</a>.  All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock  One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>15 days is 0.1875%</li>\r\n	<li>30 days is 0.375%</li>\r\n</ul>\r\n<p align=\"center\"><b>***Rates can be subject to intra-day pricing changes***</b></p>\r\n<strong>Income Limits:</strong> FHA, VA, &amp; HUD 184 - The Borrower\'s <strong>qualifying </strong>income must not exceed Program Income Limits.  Click on Area Median Income below to view income limits.  They can also be found in the Lender Portal at <a href=\"http://www.reigift100.org/\" target=\"_blank\">www.reigift100.org</a>.\r\n\r\nRural Development Loans - Income is based on Adjusted Household Income per Rural Development\'s Guidelines.  Income limits can be found by <a href=\"http://www.rurdev.usda.gov/SupportDocuments/OK%20GRH.pdf\" target=\"_blank\">clicking here</a>.\r\n\r\n<b>***Lenders will be responsible for ensuring that the income meets program guidelines.***</b>\r\n\r\n<strong>Credit Score:</strong> Minimum credit score of 640.\r\n\r\n<strong>Maximum DTI:</strong> 45%\r\n\r\n<strong>First Time Home Buyer:</strong> No first-time home buyer requirement.\r\n\r\n<strong>Home Buyer Education:</strong> Recommended but not required.\r\n\r\n<strong>Lender Compensation, Fees, and Purchase:</strong> Please review the Program Summary and Program Guidelines below for compensation, loan fees, and purchase requirements.  These documents can also be found on the Lender Portal at <a href=\"http://www.reigift100.org/\" target=\"_blank\">www.reigift100.org</a>.\r\n\r\n<strong>Forms:</strong>\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/05/REI-Gift100-Program-Summary-14-05-20.pdf\" target=\"_blank\">REI Gift100 Program Summary</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/04/2014-Area-Median-Incomes-Gift-100-Program.pdf\" target=\"_blank\">2014 Area Median Income - Gift100 Program</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/04/REI-Gift100-Guidelines.pdf\" target=\"_blank\">REI Gift100 Guidelines</a></li>\r\n	<li><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a></li>\r\n</ul>\r\n<strong>US Bank Forms &amp; Bulletins:</strong>\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/05/USB-002-DPA-Form.pdf\" target=\"_blank\">Down Payment Assistance Form</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/05/MRBP-Government-Loan-Delivery-Checklist-pg-1.pdf\" target=\"_blank\">Delivery Checklist Form</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/05/MRB-Funding-Fee-Increase-2014-37.pdf\" target=\"_blank\">Funding Fee Increase Bulletin 2014-37</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/05/Loan-Review-Process-Reminders-2014-26.pdf\" target=\"_blank\">Loan Review Process Bulletin 2014-26</a></li>\r\n</ul>', 'REI Gift100 Program', '', 'inherit', 'open', 'open', '', '431-revision-v1', '', '', '2014-05-28 14:37:30', '2014-05-28 14:37:30', '', 431, 'http://reidownpayment.org/431-revision-v1/', 0, 'revision', '', 0),
(498, 2, '2014-05-28 14:45:24', '2014-05-28 14:45:24', '<strong>REI CHOICE100 PROGRAM</strong> - Down Payment and Closing Cost Assistance - Fannie Mae My Community Mortgage Loans\r\n\r\nThe REI Choice100 program is just that, it provides you with numerous choices and types of assistance. The program is utilized with Fannie Mae\'s 95% My Community Mortgage loan. We have structured the program to provide you with a second mortgage of 5% along with the \"choice\" to pay a higher interest rate and receive additional 2% assistance which can be used to fund split or single premium mortgage insurance. The choice is yours and can be made with direction from your lender.\r\n\r\nYou can also use this program for a rate/term refinance of existing loans. Any loan that is refinanced must prove a demonstrable benefit to the borrower (i.e. lower payments, term, or interest rates). Cash out refinances are not eligible.\r\n\r\n<strong>Program Highlights:</strong>\r\n\r\n<strong>Structure:</strong> This is a first and second mortgage program that are packaged together. The first mortgage loan is a 30 year fixed rate 95% My Community Mortgage and the second mortgage is utilized to pay the down payment, closing or mortgage insurance premiums associated with the first mortgage.\r\n\r\n<strong>Second Mortgage:</strong> The second mortgage is sized at 5% of the total first mortgage loan amount. The second mortgage is a 20 year fixed rate mortgage with an interest rate of 6.00%. There are no pre-payment penalties on the second mortgage. Borrower may be reimbursed for their earnest money and prepaid expenses.\r\n\r\n<strong>Lenders:</strong> You may use the lender of your choice, if they are approved for the REI Choice100 program. Many lenders throughout the state are approved. If you are using a lender that is not familiar with the program or is not approved, please have them contact Dena Sherrill, REI Down Payment Assistance Manager at 800-658-2823 or <a href=\"mailto:dsherrill@reiok.org\">dsherrill@reiok.org</a>.\r\n\r\n<strong>Income Limits:</strong> Income limits apply based on qualifying <a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/03/2014-Area-Median-Incomes-Choice-100-Program2.pdf\" target=\"_blank\">income</a>.\r\n\r\n<strong>Credit Score:</strong> Minimum credit score of 660.\r\n\r\n<strong>Mortgage Insurance:</strong> Required coverage amount is lower than normal My Community Mortgage loans.\r\n\r\n<strong>First Time Home Buyer:</strong> You do not have to be a first-time home buyer for this program.\r\n\r\n<strong>Home Buyer Education:</strong> If all borrowers are first-time home buyers, at least one borrower must complete pre-purchase home-buyer education and counseling.\r\n\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/03/2014-Area-Median-Incomes-Choice-100-Program2.pdf\" target=\"_blank\">2014 Area Median Incomes - Choice100 Program</a>', 'REI Choice100 Program', '', 'inherit', 'open', 'open', '', '171-revision-v1', '', '', '2014-05-28 14:45:24', '2014-05-28 14:45:24', '', 171, 'http://reidownpayment.org/171-revision-v1/', 0, 'revision', '', 0),
(499, 2, '2014-05-28 14:45:31', '2014-05-28 14:45:31', '<strong>REI CHOICE100 PROGRAM</strong> - Down Payment and Closing Cost Assistance - Fannie Mae My Community Mortgage Loans\r\n\r\nThe REI Choice100 program is just that, it provides you with numerous choices and types of assistance. The program is utilized with Fannie Mae\'s 95% My Community Mortgage loan. We have structured the program to provide you with a second mortgage of 5% along with the \"choice\" to pay a higher interest rate and receive additional 2% assistance which can be used to fund split or single premium mortgage insurance. The choice is yours and can be made with direction from your lender.\r\n\r\nYou can also use this program for a rate/term refinance of existing loans. Any loan that is refinanced must prove a demonstrable benefit to the borrower (i.e. lower payments or interest rates). Cash out refinances are not eligible.\r\n\r\n<strong>Program Highlights:</strong>\r\n\r\n<strong>Structure:</strong> This is a first and second mortgage program that are packaged together. The first mortgage loan is a 30 year fixed rate 95% My Community Mortgage and the second mortgage is utilized to pay the down payment, closing or mortgage insurance premiums associated with the first mortgage.\r\n\r\n<strong>Second Mortgage:</strong> The second mortgage is sized at 5% of the total first mortgage loan amount. The second mortgage is a 20 year fixed rate mortgage with an interest rate of 6.00%. There are no pre-payment penalties on the second mortgage. Borrower may be reimbursed for their earnest money and prepaid expenses.\r\n\r\n<strong>Lenders:</strong> You may use the lender of your choice, if they are approved for the REI Choice100 program. Many lenders throughout the state are approved. If you are using a lender that is not familiar with the program or is not approved, please have them contact Dena Sherrill, REI Down Payment Assistance Manager at 800-658-2823 or <a href=\"mailto:dsherrill@reiok.org\">dsherrill@reiok.org</a>.\r\n\r\n<strong>Income Limits:</strong> Income limits apply based on qualifying <a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/03/2014-Area-Median-Incomes-Choice-100-Program2.pdf\" target=\"_blank\">income</a>.\r\n\r\n<strong>Credit Score:</strong> Minimum credit score of 660.\r\n\r\n<strong>Mortgage Insurance:</strong> Required coverage amount is lower than normal My Community Mortgage loans.\r\n\r\n<strong>First Time Home Buyer:</strong> You do not have to be a first-time home buyer for this program.\r\n\r\n<strong>Home Buyer Education:</strong> If all borrowers are first-time home buyers, at least one borrower must complete pre-purchase home-buyer education and counseling.\r\n\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/03/2014-Area-Median-Incomes-Choice-100-Program2.pdf\" target=\"_blank\">2014 Area Median Incomes - Choice100 Program</a>', 'REI Choice100 Program', '', 'inherit', 'open', 'open', '', '171-revision-v1', '', '', '2014-05-28 14:45:31', '2014-05-28 14:45:31', '', 171, 'http://reidownpayment.org/171-revision-v1/', 0, 'revision', '', 0),
(500, 2, '2014-05-28 14:46:10', '2014-05-28 14:46:10', '<strong>REI CHOICE100 PROGRAM</strong> - Down Payment and Closing Cost Assistance - Fannie Mae My Community Mortgage Loans\r\n\r\nThe REI Choice100 program is just that, it provides you with numerous choices and types of assistance. The program is utilized with Fannie Mae\'s 95% My Community Mortgage loan. We have structured the program to provide you with a second mortgage of 5% along with the \"choice\" to pay a higher interest rate and receive additional 2% assistance which can be used to fund split or single premium mortgage insurance. The choice is yours and can be made with direction from your lender.\r\n\r\nYou can also use this program for a rate/term refinance of existing loans. Any loan that is refinanced must prove a demonstrable benefit to the borrower (i.e. lower payments or interest rates). Cash out refinances are not eligible.\r\n\r\n<strong>Program Highlights:</strong>\r\n\r\n<strong>Structure:</strong> This is a first and second mortgage program that are packaged together. The first mortgage loan is a 30 year fixed rate 95% My Community Mortgage and the second mortgage is utilized to pay the down payment, closing or mortgage insurance premiums associated with the first mortgage.\r\n\r\n<strong>Second Mortgage:</strong> The second mortgage is sized at 5% of the total first mortgage loan amount. The second mortgage is a 20 year fixed rate mortgage with an interest rate of 6.00%. There are no pre-payment penalties on the second mortgage. Borrower may be reimbursed for their earnest money and prepaid expenses.\r\n\r\n<strong>Lenders:</strong> You may use the lender of your choice, if they are approved for the REI Choice100 program. Many lenders throughout the state are approved. If you are using a lender that is not familiar with the program or is not approved, please have them contact Dena Sherrill, REI Down Payment Assistance Manager at 800-658-2823 or <a href=\"mailto:dsherrill@reiok.org\">dsherrill@reiok.org</a>.\r\n\r\n<strong>Income Limits:</strong> Income limits apply based on qualifying <a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/03/2014-Area-Median-Incomes-Choice-100-Program2.pdf\" target=\"_blank\">income</a>.\r\n\r\n<strong>Credit Score:</strong> Minimum credit score of 660 or per mortgage insurance company guidelines.\r\n\r\n<strong>Mortgage Insurance:</strong> Required coverage amount is lower than normal My Community Mortgage loans.\r\n\r\n<strong>First Time Home Buyer:</strong> You do not have to be a first-time home buyer for this program.\r\n\r\n<strong>Home Buyer Education:</strong> If all borrowers are first-time home buyers, at least one borrower must complete pre-purchase home-buyer education and counseling.\r\n\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/03/2014-Area-Median-Incomes-Choice-100-Program2.pdf\" target=\"_blank\">2014 Area Median Incomes - Choice100 Program</a>', 'REI Choice100 Program', '', 'inherit', 'open', 'open', '', '171-revision-v1', '', '', '2014-05-28 14:46:10', '2014-05-28 14:46:10', '', 171, 'http://reidownpayment.org/171-revision-v1/', 0, 'revision', '', 0),
(501, 2, '2014-05-28 14:48:23', '2014-05-28 14:48:23', '<b>REI GIFT100 PROGRAM</b>\r\n\r\nREI Down Payment Assistance invests in Oklahoma’s future by providing housing opportunities to low income individuals and families.  The new statewide REI Gift100 Program provides a competitive first mortgage and down payment and closing cost assistance to eligible mortgagors. The down payment is in the form of a gift, second liens or deed restrictions are not required for this program. <strong>REI Oklahoma is QM/ATR Exempt.</strong>\r\n\r\nThe program includes the following loan types:\r\n<ul>\r\n	<li>FHA – 203(b), 234(c) &amp; 203ks (lenders must have an additional approval from U.S. Bank to originate 203ks loans) – 30 year fixed rate</li>\r\n	<li>VA – 203(b) &amp; 234(c) – 30 year fixed rate</li>\r\n	<li>Rural Housing Guaranteed Loan – 30 year fixed rate</li>\r\n	<li>HUD Section 184 – 30 year fixed rate</li>\r\n</ul>\r\nRate/term refinance on any of the above loan products.<strong>\r\n</strong>\r\n\r\n<strong>Lenders:</strong> Lenders must be approved by U.S. Bank to participate in the REI Gift100 program.  Interested lenders should contact U.S. Bank Help desk at 1-800-562-5165 or <a href=\"mailto:mrbp.helpdesk@usbank.com\" target=\"_blank\">mrbp.helpdesk@usbank.com</a>.  You can also contact Dena Sherrill, Housing Program Manager, REI Down Payment Assistance at 1-800-658-2823 or <a href=\"mailto:dsherrill@reiok.org\" target=\"_blank\">dsherrill@reiok.org</a> or Jeremy Layman, Housing Program Specialist at <a href=\"mailto:jlayman@reiok.org\" target=\"_blank\">jlayman@reiok.org</a>.\r\n<p align=\"center\"><b>***Third Party Origination is not allowed***</b></p>\r\n <strong>Program Highlights</strong>\r\n\r\n<strong>Structure:</strong> Up to 4.5% of the total loan amount in the form of a gift. The funds may be used to fund up to 100% of the Borrower\'s cash requirement to close, including the down payment, closing costs, pre-paid items and other related Mortgage Loan fees and expenses.  No portion of the gift funds can be paid to the Borrower unless the Borrower is being reimbursed for an overage of his/her earnest money deposit to the extent the minimum Borrower contribution has been satisfied.  Under the rate/term refinance option, any funds above the amount needed to pay the Borrower\'s loan related costs must be used to reduce the principal amount of the First Mortgage loan.\r\n\r\n<b>First Mortgage Origination Fee:  </b>Usual and customary as allowed by First Mortgage loan program.\r\n\r\n<strong>Interest rates:</strong> REI Down Payment Assistance will post First Mortgage interest rates by 9:00 a.m. C.S.T. daily on the Lender Portal at <a href=\"http://www.reigift100.org/\">www.reigift100.org</a>.  All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>15 days is 0.1875%</li>\r\n	<li>30 days is 0.375%</li>\r\n</ul>\r\n<p align=\"center\"><b>***Rates can be subject to intra-day pricing changes***</b></p>\r\n<strong>Income Limits:</strong> FHA, VA, &amp; HUD 184 - The Borrower\'s <strong>qualifying </strong>income must not exceed Program Income Limits.  Click on Area Median Income below to view income limits.  They can also be found in the Lender Portal at <a href=\"http://www.reigift100.org/\" target=\"_blank\">www.reigift100.org</a>.\r\n\r\nRural Development Loans - Income is based on Adjusted Household Income per Rural Development\'s Guidelines.  Income limits can be found by <a href=\"http://www.rurdev.usda.gov/SupportDocuments/OK%20GRH.pdf\" target=\"_blank\">clicking here</a>.\r\n\r\n<b>***Lenders will be responsible for ensuring that the income meets program guidelines.***</b>\r\n\r\n<strong>Credit Score:</strong> Minimum credit score of 640.\r\n\r\n<strong>Maximum DTI:</strong> 45%\r\n\r\n<strong>First Time Home Buyer:</strong> No first-time home buyer requirement.\r\n\r\n<strong>Home Buyer Education:</strong> Recommended but not required.\r\n\r\n<strong>Lender Compensation, Fees, and Purchase:</strong> Please review the Program Summary and Program Guidelines below for compensation, loan fees, and purchase requirements.  These documents can also be found on the Lender Portal at <a href=\"http://www.reigift100.org/\" target=\"_blank\">www.reigift100.org</a>.\r\n\r\n<strong>Forms:</strong>\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/05/REI-Gift100-Program-Summary-14-05-20.pdf\" target=\"_blank\">REI Gift100 Program Summary</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/04/2014-Area-Median-Incomes-Gift-100-Program.pdf\" target=\"_blank\">2014 Area Median Income - Gift100 Program</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/04/REI-Gift100-Guidelines.pdf\" target=\"_blank\">REI Gift100 Guidelines</a></li>\r\n	<li><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a></li>\r\n</ul>\r\n<strong>US Bank Forms &amp; Bulletins:</strong>\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/05/USB-002-DPA-Form.pdf\" target=\"_blank\">Down Payment Assistance Form</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/05/MRBP-Government-Loan-Delivery-Checklist-pg-1.pdf\" target=\"_blank\">Delivery Checklist Form</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/05/MRB-Funding-Fee-Increase-2014-37.pdf\" target=\"_blank\">Funding Fee Increase Bulletin 2014-37</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/05/Loan-Review-Process-Reminders-2014-26.pdf\" target=\"_blank\">Loan Review Process Bulletin 2014-26</a></li>\r\n</ul>', 'REI Gift100 Program', '', 'inherit', 'open', 'open', '', '431-revision-v1', '', '', '2014-05-28 14:48:23', '2014-05-28 14:48:23', '', 431, 'http://reidownpayment.org/431-revision-v1/', 0, 'revision', '', 0),
(502, 2, '2014-05-28 14:49:15', '2014-05-28 14:49:15', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n\r\n• 15 days is 0.1875%\r\n• 30 days is 0.375%\r\n\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2014-05-28 14:49:15', '2014-05-28 14:49:15', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(503, 2, '2014-05-28 15:10:25', '2014-05-28 15:10:25', '<strong>REI CHOICE100 PROGRAM</strong> - Down Payment and Closing Cost Assistance - Fannie Mae My Community Mortgage Loans. <strong>REI Oklahoma is QM/ATR Exempt.</strong>\r\n\r\nThe REI Choice100 program is just that, it provides you with numerous choices and types of assistance for your borrowers. The program is utilized with Fannie Mae\'s 95% My Community Mortgage loan. We have structured the program to provide the borrower with a second mortgage of 5% along with the choice to pay a higher interest rate and receive  additional 2% assistance which can be used to fund split or single premium mortgage insurance. As the borrower\'s lender, you can advise them of the different choices available to them and what will be best for their situation.\r\n\r\nThis program can also be used for a rate/term refinance of existing loans. Any loan that is refinanced must prove a demonstrable benefit to the borrower (i.e. lower payments or interest rates). Cash out refinances are not eligible.\r\n\r\nPlease review Program Guidelines for more detailed information, below are some highlights of the program.\r\n\r\n<strong>Eligible Lenders:</strong> Lenders must be approved as a 360 Mortgage Delegated Correspondent Lender or Broker, and in good standing. Lenders should contact Priscilla Bohot at (512) 418-6094 or <a href=\"mailto:pbohot@360mortgage.com\">pbohot@360mortgage.com</a> to inquire about becoming a participating lender. You can also contact Dena Sherrill at <a href=\"mailto:dsherrill@reiok.org\">dsherrill@reiok.org</a> or Jeremy Layman at <a href=\"mailto:jlayman@reiok.org\">jlayman@reiok.org</a>.\r\n\r\n<strong>Program Highlights:</strong>\r\n\r\n<strong>Structure:</strong> This is a first and second mortgage program that are packaged together. The first mortgage loan is a 30 year fixed rate 95% My Community Mortgage and the second mortgage is utilized to pay the down payment, closing costs, or single or split mortgage insurance premiums associated with the first mortgage.\r\n\r\n<strong>Second Mortgage:</strong> The second mortgage is sized at 5% of the total first mortgage loan amount. The second mortgage is a 20 year fixed rate mortgage with an interest rate of 6.00%. There is no pre-payment penalties on the second mortgage. Borrower may be reimbursed for their earnest money and prepaid expenses.\r\n\r\n<strong>Interest rates:</strong> Multiple choices of Mortgage Loan Rates will be posted daily by 360 Mortgage. Rates are subject to change and confirmation by 360 Mortgage.\r\n\r\n<strong>Income Limits:</strong> The Borrower\'s <strong>qualifying </strong>income must not exceed Program Income Limits.  Click on Area Median Income below to view income limits.\r\n\r\n<strong>Borrower Investment:</strong> Minimum borrower investment of 1%, which must be derived from verified assets.\r\n\r\n<strong>Credit Score:</strong> Minimum credit score of 660, or per MI Guidelines\r\n\r\n<strong>Maximum DTI:</strong> 45%\r\n\r\n<strong>Mortgage Insurance:</strong> MCM 95 loans require 16% charter coverage. MI coverage rates should match the MI coverage recommended by AUS and are subject to change. Lenders may select from the various monthly, split and single “lender paid” MI premium plans available, subject to mortgage insurer terms and conditions. Upfront single or split premiums may be funded by the Second Loan proceeds or from any available rebate pricing, as reflected in the daily rate sheet, or from a Seller’s concession.\r\n\r\n<strong>We are currently working with the following MI companies:</strong> Genworth, MGIC, United Guaranty, Essent Guaranty, and National MI. You must follow the MI companies HFA guidelines.\r\n\r\n<strong>First Time Home Buyer:</strong> No first-time home buyer requirement.\r\n\r\n<strong>Home Buyer Education:</strong> If all borrowers are first-time home buyers, at least one borrower must complete pre-purchase home-buyer education and counseling. Oklahoma Homebuyer Education Association (OHEA) Certified instructors and HUD Certified instructors are eligible Homebuyer Education providers.\r\n\r\n<strong>Lender Compensation, Fees, and Purchase:</strong> Please review the Program Guidelines for compensation, loan fees, and purchase requirements.\r\n\r\n<strong>Forms:</strong>\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/05/2014-Area-Median-Incomes-Choice-100-Program.pdf\" target=\"_blank\">2014 Area Median Incomes - Choice100 Program</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/09/MORTGAGORS-AGREEMENT-DISCLOSURE-FORM.pdf\">Mortgagors Agreement &amp; Disclosure Form</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/05/Program-Guidelines.pdf\" target=\"_blank\">Program Guidelines Choice100</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/09/SECOND-LIEN-RIDER.pdf\">Second Lien Rider</a></li>\r\n</ul>', 'REI Choice100 Program', '', 'inherit', 'open', 'open', '', '217-revision-v1', '', '', '2014-05-28 15:10:25', '2014-05-28 15:10:25', '', 217, 'http://reidownpayment.org/217-revision-v1/', 0, 'revision', '', 0),
(504, 2, '2014-05-28 15:14:38', '2014-05-28 15:14:38', '<b>REI GIFT100 PROGRAM</b>\r\n\r\nREI Down Payment Assistance invests in Oklahoma’s future by providing housing opportunities to low income individuals and families.  The new statewide REI Gift100 Program provides a competitive first mortgage and down payment and closing cost assistance to eligible mortgagors. The down payment is in the form of a gift, second liens or deed restrictions are not required for this program. <strong>REI Oklahoma is QM/ATR Exempt.</strong>\r\n\r\nThe program includes the following loan types:\r\n<ul>\r\n	<li>FHA – 203(b), 234(c) &amp; 203ks (lenders must have an additional approval from U.S. Bank to originate 203ks loans) – 30 year fixed rate</li>\r\n	<li>VA – 203(b) &amp; 234(c) – 30 year fixed rate</li>\r\n	<li>Rural Housing Guaranteed Loan – 30 year fixed rate</li>\r\n	<li>HUD Section 184 – 30 year fixed rate</li>\r\n</ul>\r\nRate/term refinance on any of the above loan products.<strong>\r\n</strong>\r\n\r\n<strong>Lenders:</strong> Lenders must be approved by U.S. Bank to participate in the REI Gift100 Program.  Interested lenders should contact U.S. Bank Help desk at 1-800-562-5165 or <a href=\"mailto:mrbp.helpdesk@usbank.com\" target=\"_blank\">mrbp.helpdesk@usbank.com</a>.  You can also contact Dena Sherrill, Housing Program Manager, REI Down Payment Assistance at 1-800-658-2823 or <a href=\"mailto:dsherrill@reiok.org\" target=\"_blank\">dsherrill@reiok.org</a> or Jeremy Layman, Housing Program Specialist at <a href=\"mailto:jlayman@reiok.org\" target=\"_blank\">jlayman@reiok.org</a>.\r\n<p align=\"center\"><b>***Third Party Origination is not allowed***</b></p>\r\n <strong>Program Highlights:</strong>\r\n\r\n<strong>Structure:</strong> Up to 4.5% of the total loan amount in the form of a gift. The funds may be used to fund up to 100% of the Borrower\'s cash requirement to close, including the down payment, closing costs, pre-paid items and other related Mortgage Loan fees and expenses.  No portion of the gift funds can be paid to the Borrower unless the Borrower is being reimbursed for an overage of his/her earnest money deposit to the extent the minimum Borrower contribution has been satisfied.  Under the rate/term refinance option, any funds above the amount needed to pay the Borrower\'s loan related costs must be used to reduce the principal amount of the First Mortgage loan.\r\n\r\n<b>First Mortgage Origination Fee:  </b>Usual and customary as allowed by First Mortgage loan program.\r\n\r\n<strong>Interest rates:</strong> REI Down Payment Assistance will post First Mortgage interest rates by 9:00 a.m. C.S.T. daily on the Lender Portal at <a href=\"http://www.reigift100.org/\">www.reigift100.org</a>.  All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>15 days is 0.1875%</li>\r\n	<li>30 days is 0.375%</li>\r\n</ul>\r\n<p align=\"center\"><b>***Rates can be subject to intra-day pricing changes***</b></p>\r\n<strong>Income Limits:</strong> FHA, VA, &amp; HUD 184 - The Borrower\'s <strong>qualifying </strong>income must not exceed Program Income Limits.  Click on Area Median Income below to view income limits.  They can also be found in the Lender Portal at <a href=\"http://www.reigift100.org/\" target=\"_blank\">www.reigift100.org</a>.\r\n\r\nRural Development Loans - Income is based on Adjusted Household Income per Rural Development\'s Guidelines.  Income limits can be found by <a href=\"http://www.rurdev.usda.gov/SupportDocuments/OK%20GRH.pdf\" target=\"_blank\">clicking here</a>.\r\n\r\n<b>***Lenders will be responsible for ensuring that the income meets program guidelines.***</b>\r\n\r\n<strong>Credit Score:</strong> Minimum credit score of 640.\r\n\r\n<strong>Maximum DTI:</strong> 45%\r\n\r\n<strong>First Time Home Buyer:</strong> No first-time home buyer requirement.\r\n\r\n<strong>Home Buyer Education:</strong> Recommended but not required.\r\n\r\n<strong>Lender Compensation, Fees, and Purchase:</strong> Please review the Program Summary and Program Guidelines below for compensation, loan fees, and purchase requirements.  These documents can also be found on the Lender Portal at <a href=\"http://www.reigift100.org/\" target=\"_blank\">www.reigift100.org</a>.\r\n\r\n<strong>Forms:</strong>\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/05/REI-Gift100-Program-Summary-14-05-20.pdf\" target=\"_blank\">REI Gift100 Program Summary</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/04/2014-Area-Median-Incomes-Gift-100-Program.pdf\" target=\"_blank\">2014 Area Median Income - Gift100 Program</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/04/REI-Gift100-Guidelines.pdf\" target=\"_blank\">REI Gift100 Guidelines</a></li>\r\n	<li><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a></li>\r\n</ul>\r\n<strong>US Bank Forms &amp; Bulletins:</strong>\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/05/USB-002-DPA-Form.pdf\" target=\"_blank\">Down Payment Assistance Form</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/05/MRBP-Government-Loan-Delivery-Checklist-pg-1.pdf\" target=\"_blank\">Delivery Checklist Form</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/05/MRB-Funding-Fee-Increase-2014-37.pdf\" target=\"_blank\">Funding Fee Increase Bulletin 2014-37</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/05/Loan-Review-Process-Reminders-2014-26.pdf\" target=\"_blank\">Loan Review Process Bulletin 2014-26</a></li>\r\n</ul>', 'REI Gift100 Program', '', 'inherit', 'open', 'open', '', '431-revision-v1', '', '', '2014-05-28 15:14:38', '2014-05-28 15:14:38', '', 431, 'http://reidownpayment.org/431-revision-v1/', 0, 'revision', '', 0),
(505, 2, '2014-05-28 15:16:07', '2014-05-28 15:16:07', '<img class=\"size-full wp-image-146 alignright\" alt=\"homebuyers-pic-1\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/homebuyers-pic-1.png\" width=\"348\" height=\"348\" />\r\n\r\n<strong>REI Gift100</strong>\r\n\r\nREI Down Payment Assistance invests in Oklahoma’s future by providing housing opportunities to low income individuals and families. The new statewide REI Gift100 Program provides a competitive first mortgage and down payment/closing cost assistance to eligible mortgagors.  The down payment is in the form of a gift, you are not required to pay this back and there will not be any second liens or deed restrictions against your property.  This program can be used with the following loan types:\r\n<ul>\r\n	<li>FHA</li>\r\n	<li>VA</li>\r\n	<li>Rural Development</li>\r\n	<li>HUD Section 184</li>\r\n</ul>\r\nRate/term refinance on any of the above loan products.\r\n\r\n<strong>Program Highlights:</strong>\r\n\r\n<strong>Structure:</strong> Up to 4.5% of the total loan amount in the form of a gift.  The funds may be used to fund up to 100% of the Borrower\'s cash requirement to close, including the down payment, closing costs, pre-paid items and other related Mortgage Loan fees and expenses.\r\n\r\n<strong>Lenders:</strong> You may use the lender of your choice, if they are approved for the REI Gift100 Program.   Many lenders throughout the state are approved.  If you are using a lender that is not familiar with the program or is not approved, please have them contact Dena Sherrill, REI Down Payment Assistance Manager at 800-658-2823 or <a href=\"mailto:dsherrill@reiok.org\">dsherrill@reiok.org</a>.\r\n\r\n<strong>Income Limits:</strong> Income limits apply based on qualifying income and household size.  Click on the Area Median Income link below to view income requirements.\r\n\r\n<strong>Credit Score:</strong> Minimum credit score of 640.\r\n\r\n<strong>First Time Home Buyer:</strong> You do not have to be a first-time home buyer for this program.\r\n\r\n<strong>Home Buyer Education:</strong> Recommended but not required.\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/04/2014-Area-Median-Incomes-Gift-100-Program.pdf\" target=\"_blank\">2014 Area Median Incomes - REI Gift100 Program</a></li>\r\n</ul>', 'REI Gift100 Program', '', 'inherit', 'open', 'open', '', '168-revision-v1', '', '', '2014-05-28 15:16:07', '2014-05-28 15:16:07', '', 168, 'http://reidownpayment.org/168-revision-v1/', 0, 'revision', '', 0),
(507, 2, '2014-05-28 15:20:28', '2014-05-28 15:20:28', '<strong>REI CHOICE100 PROGRAM</strong> - Down Payment and Closing Cost Assistance - Fannie Mae My Community Mortgage Loans\r\n\r\nThe REI Choice100 Program is just that, it provides you with numerous choices and types of assistance. The program is utilized with Fannie Mae\'s 95% My Community Mortgage loan. We have structured the program to provide you with a second mortgage of 5% along with the choice to pay a higher interest rate and receive additional 2% assistance which can be used to fund split or single premium mortgage insurance. The choice is yours and can be made with direction from your lender.\r\n\r\nYou can also use this program for a rate/term refinance of existing loans. Any loan that is refinanced must prove a demonstrable benefit to the borrower (i.e. lower payments or interest rates). Cash out refinances are not eligible.\r\n\r\n<strong>Program Highlights:</strong>\r\n\r\n<strong>Structure:</strong> This is a first and second mortgage program that are packaged together. The first mortgage loan is a 30 year fixed rate 95% My Community Mortgage and the second mortgage is utilized to pay the down payment, closing costs, or single or split mortgage insurance premiums associated with the first mortgage.\r\n\r\n<strong>Second Mortgage:</strong> The second mortgage is sized at 5% of the total first mortgage loan amount. The second mortgage is a 20 year fixed rate mortgage with an interest rate of 6.00%. There are no pre-payment penalties on the second mortgage. Borrower may be reimbursed for their earnest money and prepaid expenses.\r\n\r\n<strong>Lenders:</strong> You may use the lender of your choice, if they are approved for the REI Choice100 Program. Many lenders throughout the state are approved. If you are using a lender that is not familiar with the program or is not approved, please have them contact Dena Sherrill, REI Down Payment Assistance Manager at 800-658-2823 or <a href=\"mailto:dsherrill@reiok.org\">dsherrill@reiok.org</a>.\r\n\r\n<strong>Income Limits:</strong> Income limits apply based on qualifying <a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/03/2014-Area-Median-Incomes-Choice-100-Program2.pdf\" target=\"_blank\">income</a>.\r\n\r\n<strong>Credit Score:</strong> Minimum credit score of 660 or per mortgage insurance company guidelines.\r\n\r\n<strong>Mortgage Insurance:</strong> Required coverage amount is lower than normal My Community Mortgage loans.\r\n\r\n<strong>First Time Home Buyer:</strong> You do not have to be a first-time home buyer for this program.\r\n\r\n<strong>Home Buyer Education:</strong> If all borrowers are first-time home buyers, at least one borrower must complete pre-purchase home-buyer education and counseling.\r\n\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/03/2014-Area-Median-Incomes-Choice-100-Program2.pdf\" target=\"_blank\">2014 Area Median Incomes - Choice100 Program</a>', 'REI Choice100 Program', '', 'inherit', 'open', 'open', '', '171-revision-v1', '', '', '2014-05-28 15:20:28', '2014-05-28 15:20:28', '', 171, 'http://reidownpayment.org/171-revision-v1/', 0, 'revision', '', 0),
(508, 2, '2014-05-28 19:45:05', '2014-05-28 19:45:05', '<h3></h3>\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/11/dena-mug.jpg\"><img class=\"size-full wp-image-45 alignleft\" style=\"margin-top: 0;\" alt=\"dena\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/11/dena-mug.jpg\" width=\"258\" height=\"260\" /></a>\r\n<h3></h3>\r\n<h3>Dena Sherrill</h3>\r\nHousing Manager\r\n<a href=\"mailto:dsherrill@reiok.org\">dsherrill@reiok.org</a>\r\n\r\n&nbsp;\r\n\r\n&nbsp;\r\n<div class=\"clearfix\"></div>\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/11/Jeremy-mug.jpg\"><img class=\"size-medium wp-image-46 alignleft\" style=\"margin-top: 40px;\" alt=\"staff-2\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/11/Jeremy-mug.jpg\" width=\"258\" height=\"260\" /></a>\r\n<h3>Jeremy Layman</h3>\r\nHousing Specialist\r\n<a href=\"mailto:jlayman@reiok.org\">jlayman@reiok.org</a>\r\n\r\n&nbsp;\r\n\r\n&nbsp;\r\n<div class=\"clearfix\"></div>\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/11/linda-mug.jpg\"><img class=\"size-full wp-image-47 alignleft\" style=\"margin-top: 40px;\" alt=\"staff-3\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/11/linda-mug.jpg\" width=\"258\" height=\"261\" /></a>\r\n<h3>Linda Davis</h3>\r\nHousing Coordinator\r\n<a href=\"mailto:ldavis@reiok.org\">ldavis@reiok.org</a>\r\n\r\n&nbsp;\r\n\r\n&nbsp;\r\n<div class=\"clearfix\"></div>\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/11/keith-mug1.jpg\"><img class=\"size-full wp-image-48 alignleft\" style=\"margin-top: 40px;\" alt=\"staff-4\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/11/keith-mug1.jpg\" width=\"258\" height=\"262\" /></a>\r\n<h3>Keith Malott</h3>\r\nHousing Servicing Specialist\r\n<a href=\"mailto:kmalott@reiok.org\">kmalott@reiok.org</a>\r\n\r\n&nbsp;\r\n\r\n&nbsp;\r\n\r\n&nbsp;\r\n\r\n&nbsp;\r\n\r\n<em>REI Oklahoma is an equal opportunity employer.</em>', 'Staff', '', 'inherit', 'open', 'open', '', '9-revision-v1', '', '', '2014-05-28 19:45:05', '2014-05-28 19:45:05', '', 9, 'http://reidownpayment.org/9-revision-v1/', 0, 'revision', '', 0),
(509, 2, '2014-05-28 19:45:17', '2014-05-28 19:45:17', '<h3></h3>\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/11/dena-mug.jpg\"><img class=\"size-full wp-image-45 alignleft\" style=\"margin-top: 0;\" alt=\"dena\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/11/dena-mug.jpg\" width=\"258\" height=\"260\" /></a>\r\n<h3></h3>\r\n<h3>Dena Sherrill</h3>\r\nHousing Manager\r\n<a href=\"mailto:dsherrill@reiok.org\">dsherrill@reiok.org</a>\r\n\r\n&nbsp;\r\n\r\n&nbsp;\r\n<div class=\"clearfix\"></div>\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/11/Jeremy-mug.jpg\"><img class=\"size-medium wp-image-46 alignleft\" style=\"margin-top: 40px;\" alt=\"staff-2\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/11/Jeremy-mug.jpg\" width=\"258\" height=\"260\" /></a>\r\n<h3>Jeremy Layman</h3>\r\nHousing Specialist\r\n<a href=\"mailto:jlayman@reiok.org\">jlayman@reiok.org</a>\r\n\r\n&nbsp;\r\n\r\n&nbsp;\r\n<div class=\"clearfix\"></div>\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/11/linda-mug.jpg\"><img class=\"size-full wp-image-47 alignleft\" style=\"margin-top: 40px;\" alt=\"staff-3\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/11/linda-mug.jpg\" width=\"258\" height=\"261\" /></a>\r\n<h3>Linda Davis</h3>\r\nHousing Coordinator\r\n<a href=\"mailto:ldavis@reiok.org\">ldavis@reiok.org</a>\r\n\r\n&nbsp;\r\n\r\n&nbsp;\r\n<div class=\"clearfix\"></div>\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/11/keith-mug1.jpg\"><img class=\"size-full wp-image-48 alignleft\" style=\"margin-top: 40px;\" alt=\"staff-4\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/11/keith-mug1.jpg\" width=\"258\" height=\"262\" /></a>\r\n<h3>Keith Malott</h3>\r\nHousing Servicing Specialist\r\n<a href=\"mailto:kmalott@reiok.org\">kmalott@reiok.org</a>\r\n\r\n&nbsp;\r\n\r\n&nbsp;\r\n\r\n&nbsp;\r\n\r\n<em>REI Oklahoma is an equal opportunity employer.</em>', 'Staff', '', 'inherit', 'open', 'open', '', '9-revision-v1', '', '', '2014-05-28 19:45:17', '2014-05-28 19:45:17', '', 9, 'http://reidownpayment.org/9-revision-v1/', 0, 'revision', '', 0),
(510, 2, '2014-05-28 19:46:03', '2014-05-28 19:46:03', '<h3></h3>\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/11/dena-mug.jpg\"><img class=\"size-full wp-image-45 alignleft\" style=\"margin-top: 0;\" alt=\"dena\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/11/dena-mug.jpg\" width=\"258\" height=\"260\" /></a>\r\n<h3></h3>\r\n<h3>Dena Sherrill</h3>\r\nHousing Manager\r\n<a href=\"mailto:dsherrill@reiok.org\">dsherrill@reiok.org</a>\r\n\r\n&nbsp;\r\n\r\n&nbsp;\r\n<div class=\"clearfix\"></div>\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/11/Jeremy-mug.jpg\"><img class=\"size-medium wp-image-46 alignleft\" style=\"margin-top: 40px;\" alt=\"staff-2\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/11/Jeremy-mug.jpg\" width=\"258\" height=\"260\" /></a>\r\n<h3>Jeremy Layman</h3>\r\nHousing Specialist\r\n<a href=\"mailto:jlayman@reiok.org\">jlayman@reiok.org</a>\r\n\r\n&nbsp;\r\n\r\n&nbsp;\r\n<div class=\"clearfix\"></div>\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/11/linda-mug.jpg\"><img class=\"size-full wp-image-47 alignleft\" style=\"margin-top: 40px;\" alt=\"staff-3\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/11/linda-mug.jpg\" width=\"258\" height=\"261\" /></a>\r\n<h3>Linda Davis</h3>\r\nHousing Coordinator\r\n<a href=\"mailto:ldavis@reiok.org\">ldavis@reiok.org</a>\r\n\r\n&nbsp;\r\n\r\n&nbsp;\r\n<div class=\"clearfix\"></div>\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/11/keith-mug1.jpg\"><img class=\"size-full wp-image-48 alignleft\" style=\"margin-top: 40px;\" alt=\"staff-4\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/11/keith-mug1.jpg\" width=\"258\" height=\"262\" /></a>\r\n<h3>Keith Malott</h3>\r\nHousing Servicing Specialist\r\n<a href=\"mailto:kmalott@reiok.org\">kmalott@reiok.org</a>\r\n\r\n&nbsp;\r\n\r\n&nbsp;\r\n\r\n&nbsp;\r\n\r\n&nbsp;\r\n\r\n<em>REI Oklahoma is an equal opportunity employer.</em>', 'Staff', '', 'inherit', 'open', 'open', '', '9-revision-v1', '', '', '2014-05-28 19:46:03', '2014-05-28 19:46:03', '', 9, 'http://reidownpayment.org/9-revision-v1/', 0, 'revision', '', 0),
(511, 2, '2014-05-29 14:02:21', '2014-05-29 14:02:21', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n\r\n• 15 days is 0.1875%\r\n• 30 days is 0.375%\r\n\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2014-05-29 14:02:21', '2014-05-29 14:02:21', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(512, 2, '2014-05-30 14:15:56', '2014-05-30 14:15:56', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n\r\n• 15 days is 0.1875%\r\n• 30 days is 0.375%\r\n\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2014-05-30 14:15:56', '2014-05-30 14:15:56', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(513, 2, '2014-05-30 14:18:41', '2014-05-30 14:18:41', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated May, 30 2014 at 9:00 am.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n\r\n• 15 days is 0.1875%\r\n• 30 days is 0.375%\r\n\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2014-05-30 14:18:41', '2014-05-30 14:18:41', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(514, 2, '2014-05-30 14:19:13', '2014-05-30 14:19:13', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated May 30, 2014 at 9:00 am.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n\r\n• 15 days is 0.1875%\r\n• 30 days is 0.375%\r\n\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2014-05-30 14:19:13', '2014-05-30 14:19:13', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0);
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(515, 2, '2014-05-30 14:23:29', '2014-05-30 14:23:29', '<strong>REI CHOICE100 PROGRAM</strong> - Down Payment and Closing Cost Assistance - Fannie Mae My Community Mortgage Loans\r\n\r\nThe REI Choice100 Program is just that, it provides you with numerous choices and types of assistance. The program is utilized with Fannie Mae\'s 95% My Community Mortgage loan. We have structured the program to provide you with a second mortgage of 5% along with the choice to pay a higher interest rate and receive additional 2% assistance which can be used to fund split or single premium mortgage insurance. The choice is yours and can be made with direction from your lender.\r\n\r\nYou can also use this program for a refinance of an existing loan. Any loan that is refinanced must prove a demonstrable benefit to the borrower (i.e. lower payments or interest rates). Cash out refinances are not eligible.\r\n\r\n<strong>Program Highlights:</strong>\r\n\r\n<strong>Structure:</strong> This is a first and second mortgage program that are packaged together. The first mortgage loan is a 30 year fixed rate 95% My Community Mortgage and the second mortgage is utilized to pay the down payment, closing costs, or single or split mortgage insurance premiums associated with the first mortgage.\r\n\r\n<strong>Second Mortgage:</strong> The second mortgage is sized at 5% of the total first mortgage loan amount. The second mortgage is a 20 year fixed rate mortgage with an interest rate of 6.00%. There are no pre-payment penalties on the second mortgage. Borrower may be reimbursed for their earnest money and prepaid expenses.\r\n\r\n<strong>Lenders:</strong> You may use the lender of your choice, if they are approved for the REI Choice100 Program. Many lenders throughout the state are approved. If you are using a lender that is not familiar with the program or is not approved, please have them contact Dena Sherrill, REI Down Payment Assistance Manager at 800-658-2823 or <a href=\"mailto:dsherrill@reiok.org\">dsherrill@reiok.org</a>.\r\n\r\n<strong>Income Limits:</strong> Income limits apply based on qualifying <a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/03/2014-Area-Median-Incomes-Choice-100-Program2.pdf\" target=\"_blank\">income</a>.\r\n\r\n<strong>Credit Score:</strong> Minimum credit score of 660 or per mortgage insurance company guidelines.\r\n\r\n<strong>Mortgage Insurance:</strong> Required coverage amount is lower than normal My Community Mortgage loans.\r\n\r\n<strong>First Time Home Buyer:</strong> You do not have to be a first-time home buyer for this program.\r\n\r\n<strong>Home Buyer Education:</strong> If all borrowers are first-time home buyers, at least one borrower must complete pre-purchase home-buyer education and counseling.\r\n\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/03/2014-Area-Median-Incomes-Choice-100-Program2.pdf\" target=\"_blank\">2014 Area Median Incomes - Choice100 Program</a>', 'REI Choice100 Program', '', 'inherit', 'open', 'open', '', '171-revision-v1', '', '', '2014-05-30 14:23:29', '2014-05-30 14:23:29', '', 171, 'http://reidownpayment.org/171-revision-v1/', 0, 'revision', '', 0),
(516, 2, '2014-05-30 14:24:34', '2014-05-30 14:24:34', '<strong>REI CHOICE100 PROGRAM</strong> - Down Payment and Closing Cost Assistance - Fannie Mae My Community Mortgage Loans. <strong>REI Oklahoma is QM/ATR Exempt.</strong>\r\n\r\nThe REI Choice100 program is just that, it provides you with numerous choices and types of assistance for your borrowers. The program is utilized with Fannie Mae\'s 95% My Community Mortgage loan. We have structured the program to provide the borrower with a second mortgage of 5% along with the choice to pay a higher interest rate and receive  additional 2% assistance which can be used to fund split or single premium mortgage insurance. As the borrower\'s lender, you can advise them of the different choices available to them and what will be best for their situation.\r\n\r\nThis program can also be used for a rate/term refinance of existing loans. Any loan that is refinanced must prove a demonstrable benefit to the borrower (i.e. lower payments or interest rates). Cash out refinances are not eligible.\r\n\r\nPlease review Program Guidelines for more detailed information, below are some highlights of the program.\r\n\r\n<strong>Eligible Lenders:</strong> Lenders must be approved as a 360 Mortgage Delegated Correspondent Lender or Broker, and in good standing. Lenders should contact Priscilla Bohot at (512) 418-6094 or <a href=\"mailto:pbohot@360mortgage.com\">pbohot@360mortgage.com</a> to inquire about becoming a participating lender. You can also contact Dena Sherrill at <a href=\"mailto:dsherrill@reiok.org\">dsherrill@reiok.org</a> or Jeremy Layman at <a href=\"mailto:jlayman@reiok.org\">jlayman@reiok.org</a>.\r\n\r\n<strong>Program Highlights:</strong>\r\n\r\n<strong>Structure:</strong> This is a first and second mortgage program that are packaged together. The first mortgage loan is a 30 year fixed rate 95% My Community Mortgage and the second mortgage is utilized to pay the down payment, closing costs, or single or split mortgage insurance premiums associated with the first mortgage.\r\n\r\n<strong>Second Mortgage:</strong> The second mortgage is sized at 5% of the total first mortgage loan amount. The second mortgage is a 20 year fixed rate mortgage with an interest rate of 6.00%. There is no pre-payment penalties on the second mortgage. Borrower may be reimbursed for their earnest money and prepaid expenses.\r\n\r\n<strong>Interest rates:</strong> Multiple choices of Mortgage Loan Rates will be posted daily by 360 Mortgage. Rates are subject to change and confirmation by 360 Mortgage.\r\n\r\n<strong>Income Limits:</strong> The Borrower\'s <strong>qualifying </strong>income must not exceed Program Income Limits.  Click on Area Median Income below to view income limits.\r\n\r\n<strong>Borrower Investment:</strong> Minimum borrower investment of 1%, which must be derived from verified assets.\r\n\r\n<strong>Credit Score:</strong> Minimum credit score of 660, or per MI Guidelines\r\n\r\n<strong>Maximum DTI:</strong> 45%\r\n\r\n<strong>Mortgage Insurance:</strong> MCM 95 loans require 16% charter coverage. MI coverage rates should match the MI coverage recommended by AUS and are subject to change. Lenders may select from the various monthly, split and single “lender paid” MI premium plans available, subject to mortgage insurer terms and conditions. Upfront single or split premiums may be funded by the Second Loan proceeds or from any available rebate pricing, as reflected in the daily rate sheet, or from a Seller’s concession.\r\n\r\n<strong>We are currently working with the following MI companies:</strong> Genworth, MGIC, United Guaranty, Essent Guaranty, and National MI. You must follow the MI companies HFA guidelines.\r\n\r\n<strong>First Time Home Buyer:</strong> No first-time home buyer requirement.\r\n\r\n<strong>Home Buyer Education:</strong> If all borrowers are first-time home buyers, at least one borrower must complete pre-purchase home-buyer education and counseling. Oklahoma Homebuyer Education Association (OHEA) Certified instructors and HUD Certified instructors are eligible Homebuyer Education providers.\r\n\r\n<strong>Lender Compensation, Fees, and Purchase:</strong> Please review the Program Guidelines for compensation, loan fees, and purchase requirements.\r\n\r\n<strong>Forms:</strong>\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/05/2014-Area-Median-Incomes-Choice-100-Program.pdf\" target=\"_blank\"><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/05/Program-Guidelines.pdf\" target=\"_blank\">Program Guidelines Choice100</a></a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/05/2014-Area-Median-Incomes-Choice-100-Program.pdf\" target=\"_blank\">2014 Area Median Incomes - Choice100 Program</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/09/MORTGAGORS-AGREEMENT-DISCLOSURE-FORM.pdf\">Mortgagors Agreement &amp; Disclosure Form</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/09/SECOND-LIEN-RIDER.pdf\">Second Lien Rider</a></li>\r\n</ul>', 'REI Choice100 Program', '', 'inherit', 'open', 'open', '', '217-revision-v1', '', '', '2014-05-30 14:24:34', '2014-05-30 14:24:34', '', 217, 'http://reidownpayment.org/217-revision-v1/', 0, 'revision', '', 0),
(517, 2, '2014-06-02 14:03:59', '2014-06-02 14:03:59', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated June 2, 2014 at 9:00 am.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n\r\n• 15 days is 0.1875%\r\n• 30 days is 0.375%\r\n\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2014-06-02 14:03:59', '2014-06-02 14:03:59', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(518, 2, '2014-06-03 13:57:44', '2014-06-03 13:57:44', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated June 3, 2014 at 9:00 am.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n\r\n• 15 days is 0.1875%\r\n• 30 days is 0.375%\r\n\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2014-06-03 13:57:44', '2014-06-03 13:57:44', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(519, 2, '2014-06-04 14:02:00', '2014-06-04 14:02:00', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated June 4, 2014 at 9:00 am.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n\r\n• 15 days is 0.1875%\r\n• 30 days is 0.375%\r\n\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2014-06-04 14:02:00', '2014-06-04 14:02:00', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(521, 2, '2014-06-05 14:18:33', '2014-06-05 14:18:33', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated June 5, 2014 at 9:00 am.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n\r\n• 15 days is 0.1875%\r\n• 30 days is 0.375%\r\n\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2014-06-05 14:18:33', '2014-06-05 14:18:33', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(522, 2, '2014-06-06 14:26:37', '2014-06-06 14:26:37', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated June 6, 2014 at 9:00 am.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n\r\n• 15 days is 0.1875%\r\n• 30 days is 0.375%\r\n\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2014-06-06 14:26:37', '2014-06-06 14:26:37', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(523, 2, '2014-06-06 14:57:39', '2014-06-06 14:57:39', '', 'MRBP Compliance Audit Reminders 2014-40', '', 'inherit', 'open', 'open', '', 'mrbp-compliance-audit-reminders-2014-40', '', '', '2014-06-06 14:57:39', '2014-06-06 14:57:39', '', 0, 'http://reidownpayment.org/wp/wp-content/uploads/2014/06/MRBP-Compliance-Audit-Reminders-2014-40.pdf', 0, 'attachment', 'application/pdf', 0),
(524, 2, '2014-06-06 14:59:11', '2014-06-06 14:59:11', '<b>REI GIFT100 PROGRAM</b>\r\n\r\nREI Down Payment Assistance invests in Oklahoma’s future by providing housing opportunities to low income individuals and families.  The new statewide REI Gift100 Program provides a competitive first mortgage and down payment and closing cost assistance to eligible mortgagors. The down payment is in the form of a gift, second liens or deed restrictions are not required for this program. <strong>REI Oklahoma is QM/ATR Exempt.</strong>\r\n\r\nThe program includes the following loan types:\r\n<ul>\r\n	<li>FHA – 203(b), 234(c) &amp; 203ks (lenders must have an additional approval from U.S. Bank to originate 203ks loans) – 30 year fixed rate</li>\r\n	<li>VA – 203(b) &amp; 234(c) – 30 year fixed rate</li>\r\n	<li>Rural Housing Guaranteed Loan – 30 year fixed rate</li>\r\n	<li>HUD Section 184 – 30 year fixed rate</li>\r\n</ul>\r\nRate/term refinance on any of the above loan products.<strong>\r\n</strong>\r\n\r\n<strong>Lenders:</strong> Lenders must be approved by U.S. Bank to participate in the REI Gift100 Program.  Interested lenders should contact U.S. Bank Help desk at 1-800-562-5165 or <a href=\"mailto:mrbp.helpdesk@usbank.com\" target=\"_blank\">mrbp.helpdesk@usbank.com</a>.  You can also contact Dena Sherrill, Housing Program Manager, REI Down Payment Assistance at 1-800-658-2823 or <a href=\"mailto:dsherrill@reiok.org\" target=\"_blank\">dsherrill@reiok.org</a> or Jeremy Layman, Housing Program Specialist at <a href=\"mailto:jlayman@reiok.org\" target=\"_blank\">jlayman@reiok.org</a>.\r\n<p align=\"center\"><b>***Third Party Origination is not allowed***</b></p>\r\n <strong>Program Highlights:</strong>\r\n\r\n<strong>Structure:</strong> Up to 4.5% of the total loan amount in the form of a gift. The funds may be used to fund up to 100% of the Borrower\'s cash requirement to close, including the down payment, closing costs, pre-paid items and other related Mortgage Loan fees and expenses.  No portion of the gift funds can be paid to the Borrower unless the Borrower is being reimbursed for an overage of his/her earnest money deposit to the extent the minimum Borrower contribution has been satisfied.  Under the rate/term refinance option, any funds above the amount needed to pay the Borrower\'s loan related costs must be used to reduce the principal amount of the First Mortgage loan.\r\n\r\n<b>First Mortgage Origination Fee:  </b>Usual and customary as allowed by First Mortgage loan program.\r\n\r\n<strong>Interest rates:</strong> REI Down Payment Assistance will post First Mortgage interest rates by 9:00 a.m. C.S.T. daily on the Lender Portal at <a href=\"http://www.reigift100.org/\">www.reigift100.org</a>.  All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>15 days is 0.1875%</li>\r\n	<li>30 days is 0.375%</li>\r\n</ul>\r\n<p align=\"center\"><b>***Rates can be subject to intra-day pricing changes***</b></p>\r\n<strong>Income Limits:</strong> FHA, VA, &amp; HUD 184 - The Borrower\'s <strong>qualifying </strong>income must not exceed Program Income Limits.  Click on Area Median Income below to view income limits.  They can also be found in the Lender Portal at <a href=\"http://www.reigift100.org/\" target=\"_blank\">www.reigift100.org</a>.\r\n\r\nRural Development Loans - Income is based on Adjusted Household Income per Rural Development\'s Guidelines.  Income limits can be found by <a href=\"http://www.rurdev.usda.gov/SupportDocuments/OK%20GRH.pdf\" target=\"_blank\">clicking here</a>.\r\n\r\n<b>***Lenders will be responsible for ensuring that the income meets program guidelines.***</b>\r\n\r\n<strong>Credit Score:</strong> Minimum credit score of 640.\r\n\r\n<strong>Maximum DTI:</strong> 45%\r\n\r\n<strong>First Time Home Buyer:</strong> No first-time home buyer requirement.\r\n\r\n<strong>Home Buyer Education:</strong> Recommended but not required.\r\n\r\n<strong>Lender Compensation, Fees, and Purchase:</strong> Please review the Program Summary and Program Guidelines below for compensation, loan fees, and purchase requirements.  These documents can also be found on the Lender Portal at <a href=\"http://www.reigift100.org/\" target=\"_blank\">www.reigift100.org</a>.\r\n\r\n<strong>Forms:</strong>\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/05/REI-Gift100-Program-Summary-14-05-20.pdf\" target=\"_blank\">REI Gift100 Program Summary</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/04/2014-Area-Median-Incomes-Gift-100-Program.pdf\" target=\"_blank\">2014 Area Median Income - Gift100 Program</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/04/REI-Gift100-Guidelines.pdf\" target=\"_blank\">REI Gift100 Guidelines</a></li>\r\n	<li><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a></li>\r\n</ul>\r\n<strong>US Bank Forms &amp; Bulletins:</strong>\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/05/USB-002-DPA-Form.pdf\" target=\"_blank\">Down Payment Assistance Form</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/05/MRBP-Government-Loan-Delivery-Checklist-pg-1.pdf\" target=\"_blank\">Delivery Checklist Form</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/05/MRB-Funding-Fee-Increase-2014-37.pdf\" target=\"_blank\">Funding Fee Increase Bulletin 2014-37</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/05/Loan-Review-Process-Reminders-2014-26.pdf\" target=\"_blank\">Loan Review Process Bulletin 2014-26</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/06/MRBP-Compliance-Audit-Reminders-2014-40.pdf\" target=\"_blank\">MRBP Compliance Audit Reminder 2014-40</a></li>\r\n</ul>', 'REI Gift100 Program', '', 'inherit', 'open', 'open', '', '431-revision-v1', '', '', '2014-06-06 14:59:11', '2014-06-06 14:59:11', '', 431, 'http://reidownpayment.org/431-revision-v1/', 0, 'revision', '', 0),
(525, 2, '2014-06-06 18:30:19', '2014-06-06 18:30:19', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated June 6, 2014 at 1:30 pm.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n\r\n• 15 days is 0.1875%\r\n• 30 days is 0.375%\r\n\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2014-06-06 18:30:19', '2014-06-06 18:30:19', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(526, 2, '2014-06-09 14:02:27', '2014-06-09 14:02:27', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated June 9, 2014 at 9:00 am.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n\r\n• 15 days is 0.1875%\r\n• 30 days is 0.375%\r\n\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2014-06-09 14:02:27', '2014-06-09 14:02:27', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(527, 2, '2014-06-10 13:16:36', '2014-06-10 13:16:36', '', 'MRBP_Compliance_Reminders 2014-39', '', 'inherit', 'open', 'open', '', 'mrbp_compliance_reminders-2014-39', '', '', '2014-06-10 13:16:36', '2014-06-10 13:16:36', '', 0, 'http://reidownpayment.org/wp/wp-content/uploads/2014/06/MRBP_Compliance_Reminders-2014-39.pdf', 0, 'attachment', 'application/pdf', 0),
(528, 2, '2014-06-10 13:17:25', '2014-06-10 13:17:25', '<b>REI GIFT100 PROGRAM</b>\r\n\r\nREI Down Payment Assistance invests in Oklahoma’s future by providing housing opportunities to low income individuals and families.  The new statewide REI Gift100 Program provides a competitive first mortgage and down payment and closing cost assistance to eligible mortgagors. The down payment is in the form of a gift, second liens or deed restrictions are not required for this program. <strong>REI Oklahoma is QM/ATR Exempt.</strong>\r\n\r\nThe program includes the following loan types:\r\n<ul>\r\n	<li>FHA – 203(b), 234(c) &amp; 203ks (lenders must have an additional approval from U.S. Bank to originate 203ks loans) – 30 year fixed rate</li>\r\n	<li>VA – 203(b) &amp; 234(c) – 30 year fixed rate</li>\r\n	<li>Rural Housing Guaranteed Loan – 30 year fixed rate</li>\r\n	<li>HUD Section 184 – 30 year fixed rate</li>\r\n</ul>\r\nRate/term refinance on any of the above loan products.<strong>\r\n</strong>\r\n\r\n<strong>Lenders:</strong> Lenders must be approved by U.S. Bank to participate in the REI Gift100 Program.  Interested lenders should contact U.S. Bank Help desk at 1-800-562-5165 or <a href=\"mailto:mrbp.helpdesk@usbank.com\" target=\"_blank\">mrbp.helpdesk@usbank.com</a>.  You can also contact Dena Sherrill, Housing Program Manager, REI Down Payment Assistance at 1-800-658-2823 or <a href=\"mailto:dsherrill@reiok.org\" target=\"_blank\">dsherrill@reiok.org</a> or Jeremy Layman, Housing Program Specialist at <a href=\"mailto:jlayman@reiok.org\" target=\"_blank\">jlayman@reiok.org</a>.\r\n<p align=\"center\"><b>***Third Party Origination is not allowed***</b></p>\r\n <strong>Program Highlights:</strong>\r\n\r\n<strong>Structure:</strong> Up to 4.5% of the total loan amount in the form of a gift. The funds may be used to fund up to 100% of the Borrower\'s cash requirement to close, including the down payment, closing costs, pre-paid items and other related Mortgage Loan fees and expenses.  No portion of the gift funds can be paid to the Borrower unless the Borrower is being reimbursed for an overage of his/her earnest money deposit to the extent the minimum Borrower contribution has been satisfied.  Under the rate/term refinance option, any funds above the amount needed to pay the Borrower\'s loan related costs must be used to reduce the principal amount of the First Mortgage loan.\r\n\r\n<b>First Mortgage Origination Fee:  </b>Usual and customary as allowed by First Mortgage loan program.\r\n\r\n<strong>Interest rates:</strong> REI Down Payment Assistance will post First Mortgage interest rates by 9:00 a.m. C.S.T. daily on the Lender Portal at <a href=\"http://www.reigift100.org/\">www.reigift100.org</a>.  All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>15 days is 0.1875%</li>\r\n	<li>30 days is 0.375%</li>\r\n</ul>\r\n<p align=\"center\"><b>***Rates can be subject to intra-day pricing changes***</b></p>\r\n<strong>Income Limits:</strong> FHA, VA, &amp; HUD 184 - The Borrower\'s <strong>qualifying </strong>income must not exceed Program Income Limits.  Click on Area Median Income below to view income limits.  They can also be found in the Lender Portal at <a href=\"http://www.reigift100.org/\" target=\"_blank\">www.reigift100.org</a>.\r\n\r\nRural Development Loans - Income is based on Adjusted Household Income per Rural Development\'s Guidelines.  Income limits can be found by <a href=\"http://www.rurdev.usda.gov/SupportDocuments/OK%20GRH.pdf\" target=\"_blank\">clicking here</a>.\r\n\r\n<b>***Lenders will be responsible for ensuring that the income meets program guidelines.***</b>\r\n\r\n<strong>Credit Score:</strong> Minimum credit score of 640.\r\n\r\n<strong>Maximum DTI:</strong> 45%\r\n\r\n<strong>First Time Home Buyer:</strong> No first-time home buyer requirement.\r\n\r\n<strong>Home Buyer Education:</strong> Recommended but not required.\r\n\r\n<strong>Lender Compensation, Fees, and Purchase:</strong> Please review the Program Summary and Program Guidelines below for compensation, loan fees, and purchase requirements.  These documents can also be found on the Lender Portal at <a href=\"http://www.reigift100.org/\" target=\"_blank\">www.reigift100.org</a>.\r\n\r\n<strong>Forms:</strong>\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/05/REI-Gift100-Program-Summary-14-05-20.pdf\" target=\"_blank\">REI Gift100 Program Summary</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/04/2014-Area-Median-Incomes-Gift-100-Program.pdf\" target=\"_blank\">2014 Area Median Income - Gift100 Program</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/04/REI-Gift100-Guidelines.pdf\" target=\"_blank\">REI Gift100 Guidelines</a></li>\r\n	<li><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a></li>\r\n</ul>\r\n<strong>US Bank Forms &amp; Bulletins:</strong>\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/05/USB-002-DPA-Form.pdf\" target=\"_blank\">Down Payment Assistance Form</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/05/MRBP-Government-Loan-Delivery-Checklist-pg-1.pdf\" target=\"_blank\">Delivery Checklist Form</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/05/MRB-Funding-Fee-Increase-2014-37.pdf\" target=\"_blank\">Funding Fee Increase Bulletin 2014-37</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/05/Loan-Review-Process-Reminders-2014-26.pdf\" target=\"_blank\">Loan Review Process Bulletin 2014-26</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/06/MRBP-Compliance-Audit-Reminders-2014-40.pdf\" target=\"_blank\">MRBP Compliance Audit Reminder 2014-40</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/06/MRBP_Compliance_Reminders-2014-39.pdf\" target=\"_blank\">MRBP Compliance Reminders 2014-39</a></li>\r\n</ul>', 'REI Gift100 Program', '', 'inherit', 'open', 'open', '', '431-revision-v1', '', '', '2014-06-10 13:17:25', '2014-06-10 13:17:25', '', 431, 'http://reidownpayment.org/431-revision-v1/', 0, 'revision', '', 0),
(529, 2, '2014-06-10 14:07:11', '2014-06-10 14:07:11', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated June 10, 2014 at 9:00 am.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n\r\n• 15 days is 0.1875%\r\n• 30 days is 0.375%\r\n\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2014-06-10 14:07:11', '2014-06-10 14:07:11', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(530, 2, '2014-06-11 14:03:11', '2014-06-11 14:03:11', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated June 11, 2014 at 9:00 am.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n\r\n• 15 days is 0.1875%\r\n• 30 days is 0.375%\r\n\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2014-06-11 14:03:11', '2014-06-11 14:03:11', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(531, 2, '2014-06-12 14:04:06', '2014-06-12 14:04:06', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated June 12, 2014 at 9:00 am.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n\r\n• 15 days is 0.1875%\r\n• 30 days is 0.375%\r\n\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2014-06-12 14:04:06', '2014-06-12 14:04:06', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(533, 2, '2014-06-13 14:00:08', '2014-06-13 14:00:08', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated June 13, 2014 at 9:00 am.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n\r\n• 15 days is 0.1875%\r\n• 30 days is 0.375%\r\n\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2014-06-13 14:00:08', '2014-06-13 14:00:08', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(534, 2, '2014-06-16 14:02:22', '2014-06-16 14:02:22', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated June 16, 2014 at 9:00 am.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n\r\n• 15 days is 0.1875%\r\n• 30 days is 0.375%\r\n\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2014-06-16 14:02:22', '2014-06-16 14:02:22', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(535, 2, '2014-06-17 14:03:43', '2014-06-17 14:03:43', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated June 17, 2014 at 9:00 am.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n\r\n• 15 days is 0.1875%\r\n• 30 days is 0.375%\r\n\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2014-06-17 14:03:43', '2014-06-17 14:03:43', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(536, 2, '2014-06-17 19:08:50', '2014-06-17 19:08:50', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated June 17, 2014 at 1:00 p.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n\r\n• 15 days is 0.1875%\r\n• 30 days is 0.375%\r\n\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2014-06-17 19:08:50', '2014-06-17 19:08:50', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(537, 2, '2014-06-18 14:00:58', '2014-06-18 14:00:58', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated June 18, 2014 at 1:00 p.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n\r\n• 15 days is 0.1875%\r\n• 30 days is 0.375%\r\n\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2014-06-18 14:00:58', '2014-06-18 14:00:58', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(538, 2, '2014-06-18 15:33:44', '2014-06-18 15:33:44', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated June 18, 2014 at 9:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n\r\n• 15 days is 0.1875%\r\n• 30 days is 0.375%\r\n\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2014-06-18 15:33:44', '2014-06-18 15:33:44', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(539, 2, '2014-06-18 16:08:59', '2014-06-18 16:08:59', '<h3></h3>\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/11/dena-mug.jpg\"><img class=\"size-full wp-image-45 alignleft\" style=\"margin-top: 0;\" alt=\"dena\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/11/dena-mug.jpg\" width=\"258\" height=\"260\" /></a>\r\n<h3></h3>\r\n<h3>Dena Sherrill</h3>\r\nHousing Manager\r\n<a href=\"mailto:dsherrill@reiok.org\">dsherrill@reiok.org</a>\r\n\r\n&nbsp;\r\n\r\n&nbsp;\r\n<div class=\"clearfix\"></div>\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/11/Jeremy-mug.jpg\"><img class=\"size-medium wp-image-46 alignleft\" style=\"margin-top: 40px;\" alt=\"staff-2\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/11/Jeremy-mug.jpg\" width=\"258\" height=\"260\" /></a>\r\n<h3>Jeremy Layman</h3>\r\nHousing Specialist\r\n<a href=\"mailto:jlayman@reiok.org\">jlayman@reiok.org</a>\r\n\r\n&nbsp;\r\n\r\n&nbsp;\r\n<div class=\"clearfix\"></div>\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/11/linda-mug.jpg\"><img class=\"size-full wp-image-47 alignleft\" style=\"margin-top: 40px;\" alt=\"staff-3\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/11/linda-mug.jpg\" width=\"258\" height=\"261\" /></a>\r\n<h3>Linda Davis</h3>\r\nHousing Coordinator\r\n<a href=\"mailto:ldavis@reiok.org\">ldavis@reiok.org</a>\r\n\r\n&nbsp;\r\n\r\n&nbsp;\r\n\r\n&nbsp;\r\n\r\n&nbsp;\r\n\r\n<em>REI Oklahoma is an equal opportunity employer.</em>', 'Staff', '', 'inherit', 'open', 'open', '', '9-revision-v1', '', '', '2014-06-18 16:08:59', '2014-06-18 16:08:59', '', 9, 'http://reidownpayment.org/9-revision-v1/', 0, 'revision', '', 0),
(540, 2, '2014-06-19 14:07:30', '2014-06-19 14:07:30', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated June 19, 2014 at 9:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n\r\n• 15 days is 0.1875%\r\n• 30 days is 0.375%\r\n\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2014-06-19 14:07:30', '2014-06-19 14:07:30', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(541, 2, '2014-06-20 14:20:07', '2014-06-20 14:20:07', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated June 20, 2014 at 9:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n\r\n• 15 days is 0.1875%\r\n• 30 days is 0.375%\r\n\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2014-06-20 14:20:07', '2014-06-20 14:20:07', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(543, 2, '2014-06-23 14:09:27', '2014-06-23 14:09:27', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated June 23, 2014 at 9:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n\r\n• 15 days is 0.1875%\r\n• 30 days is 0.375%\r\n\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2014-06-23 14:09:27', '2014-06-23 14:09:27', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(544, 2, '2014-06-23 20:09:13', '2014-06-23 20:09:13', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated June 23, 2014 at 3:00 p.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n\r\n• 15 days is 0.1875%\r\n• 30 days is 0.375%\r\n\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2014-06-23 20:09:13', '2014-06-23 20:09:13', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(545, 2, '2014-06-24 14:00:23', '2014-06-24 14:00:23', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated June 24, 2014 at 9:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n\r\n• 15 days is 0.1875%\r\n• 30 days is 0.375%\r\n\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2014-06-24 14:00:23', '2014-06-24 14:00:23', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(546, 2, '2014-06-25 13:58:20', '2014-06-25 13:58:20', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated June 25, 2014 at 9:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n\r\n• 15 days is 0.1875%\r\n• 30 days is 0.375%\r\n\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2014-06-25 13:58:20', '2014-06-25 13:58:20', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(547, 2, '2014-06-25 20:24:39', '2014-06-25 20:24:39', '', 'MRBP_Compliance_Reminders 2014-39', '', 'inherit', 'open', 'open', '', 'mrbp_compliance_reminders-2014-39-2', '', '', '2014-06-25 20:24:39', '2014-06-25 20:24:39', '', 0, 'http://reidownpayment.org/wp/wp-content/uploads/2014/06/MRBP_Compliance_Reminders-2014-391.pdf', 0, 'attachment', 'application/pdf', 0),
(548, 2, '2014-06-26 14:02:07', '2014-06-26 14:02:07', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated June 26, 2014 at 9:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n\r\n• 15 days is 0.1875%\r\n• 30 days is 0.375%\r\n\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2014-06-26 14:02:07', '2014-06-26 14:02:07', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(549, 2, '2014-06-27 14:12:27', '2014-06-27 14:12:27', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated June 27, 2014 at 9:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n\r\n• 15 days is 0.1875%\r\n• 30 days is 0.375%\r\n\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2014-06-27 14:12:27', '2014-06-27 14:12:27', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(550, 2, '2014-06-30 14:05:29', '2014-06-30 14:05:29', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated June 30, 2014 at 9:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n\r\n• 15 days is 0.1875%\r\n• 30 days is 0.375%\r\n\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2014-06-30 14:05:29', '2014-06-30 14:05:29', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(552, 2, '2014-07-01 14:01:08', '2014-07-01 14:01:08', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated July 1, 2014 at 9:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n\r\n• 15 days is 0.1875%\r\n• 30 days is 0.375%\r\n\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2014-07-01 14:01:08', '2014-07-01 14:01:08', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(553, 2, '2014-07-02 13:47:01', '2014-07-02 13:47:01', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated July 2, 2014 at 9:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n\r\n• 15 days is 0.1875%\r\n• 30 days is 0.375%\r\n\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2014-07-02 13:47:01', '2014-07-02 13:47:01', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(554, 2, '2014-07-02 16:07:26', '2014-07-02 16:07:26', 'Saving for the down payment and/or closing costs can be one of the biggest hurdles many people face when purchasing a home. To help home buyers attain homeownership, REI Down Payment Assistance offers REI CHOICE100 and REI Gift100, two options that allow you to offer closing cost and down payment to your borrower.\r\n\r\n<strong><a title=\"Choice100 Program\" href=\"http://reidownpayment.org/lenders/choice100-program/\">REI CHOICE100 </a></strong><a title=\"Choice100 Program\" href=\"http://reidownpayment.org/lenders/choice100-program/\">(click for more info)</a>\r\n<strong>Down Payment and Closing Cost Assistance - Fannie Mae My Community Mortgage Loans</strong>\r\n\r\nThe REI Choice100 program is just that, it provides you with numerous choices and types of assistance for your borrowers. The program is utilized with Fannie Mae\'s 95% My Community Mortgage loan. We have structured the program to provide the borrower with a second mortgage of 5% along with the choice to pay a higher interest rate and receive additional assistance which can be used to fund split or single premium mortgage insurance. As the borrower\'s lender, you can advise them of the different choices available to them and what will be best for their situation.\r\n\r\nThis program can also be used for a rate/term refinance of existing loans. Any loan that is refinanced must prove a demonstrable benefit to the borrower (i.e. lower payments or interest rates). Cash out refinances are not eligible.\r\n\r\n<strong>REI Gift100 </strong><a href=\"http://reidownpayment.org/lenders/gift100-2/\">(click for more info)</a>\r\n<strong>Down Payment and Closing Cost Assistance</strong>\r\n\r\nREI Down Payment Assistance invests in Oklahoma’s future by providing housing opportunities to low income individuals and families. The new statewide REI Gift100 Program provides a competitive first mortgage and down payment and closing cost assistance to eligible mortgagors. The down payment is in the form of a gift, second liens or deed restrictions are not required for this program. The program includes the following loan types:\r\n<ul>\r\n	<li>FHA – 203(b), 234(c) &amp; 203ks (lenders must have an additional approval from U.S. Bank to originate 203ks loans) – 30 year fixed rate</li>\r\n	<li>VA – 203(b) &amp; 234(c) – 30 year fixed rate</li>\r\n	<li>Rural Housing Guaranteed Loan – 30 year fixed rate</li>\r\n	<li>HUD Section 184 – 30 year fixed rate</li>\r\n</ul>\r\nRate/term refinance on any of the above loan products.<strong>\r\n</strong>', 'Lenders', '', 'inherit', 'open', 'open', '', '7-revision-v1', '', '', '2014-07-02 16:07:26', '2014-07-02 16:07:26', '', 7, 'http://reidownpayment.org/7-revision-v1/', 0, 'revision', '', 0);
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(555, 2, '2014-07-02 16:07:40', '2014-07-02 16:07:40', '<strong>REI CHOICE100 PROGRAM</strong> - Down Payment and Closing Cost Assistance - Fannie Mae My Community Mortgage Loans.\r\n\r\nThe REI Choice100 program is just that, it provides you with numerous choices and types of assistance for your borrowers. The program is utilized with Fannie Mae\'s 95% My Community Mortgage loan. We have structured the program to provide the borrower with a second mortgage of 5% along with the choice to pay a higher interest rate and receive  additional 2% assistance which can be used to fund split or single premium mortgage insurance. As the borrower\'s lender, you can advise them of the different choices available to them and what will be best for their situation.\r\n\r\nThis program can also be used for a rate/term refinance of existing loans. Any loan that is refinanced must prove a demonstrable benefit to the borrower (i.e. lower payments or interest rates). Cash out refinances are not eligible.\r\n\r\nPlease review Program Guidelines for more detailed information, below are some highlights of the program.\r\n\r\n<strong>Eligible Lenders:</strong> Lenders must be approved as a 360 Mortgage Delegated Correspondent Lender or Broker, and in good standing. Lenders should contact Priscilla Bohot at (512) 418-6094 or <a href=\"mailto:pbohot@360mortgage.com\">pbohot@360mortgage.com</a> to inquire about becoming a participating lender. You can also contact Dena Sherrill at <a href=\"mailto:dsherrill@reiok.org\">dsherrill@reiok.org</a> or Jeremy Layman at <a href=\"mailto:jlayman@reiok.org\">jlayman@reiok.org</a>.\r\n\r\n<strong>Program Highlights:</strong>\r\n\r\n<strong>Structure:</strong> This is a first and second mortgage program that are packaged together. The first mortgage loan is a 30 year fixed rate 95% My Community Mortgage and the second mortgage is utilized to pay the down payment, closing costs, or single or split mortgage insurance premiums associated with the first mortgage.\r\n\r\n<strong>Second Mortgage:</strong> The second mortgage is sized at 5% of the total first mortgage loan amount. The second mortgage is a 20 year fixed rate mortgage with an interest rate of 6.00%. There is no pre-payment penalties on the second mortgage. Borrower may be reimbursed for their earnest money and prepaid expenses.\r\n\r\n<strong>Interest rates:</strong> Multiple choices of Mortgage Loan Rates will be posted daily by 360 Mortgage. Rates are subject to change and confirmation by 360 Mortgage.\r\n\r\n<strong>Income Limits:</strong> The Borrower\'s <strong>qualifying </strong>income must not exceed Program Income Limits.  Click on Area Median Income below to view income limits.\r\n\r\n<strong>Borrower Investment:</strong> Minimum borrower investment of 1%, which must be derived from verified assets.\r\n\r\n<strong>Credit Score:</strong> Minimum credit score of 660, or per MI Guidelines\r\n\r\n<strong>Maximum DTI:</strong> 45%\r\n\r\n<strong>Mortgage Insurance:</strong> MCM 95 loans require 16% charter coverage. MI coverage rates should match the MI coverage recommended by AUS and are subject to change. Lenders may select from the various monthly, split and single “lender paid” MI premium plans available, subject to mortgage insurer terms and conditions. Upfront single or split premiums may be funded by the Second Loan proceeds or from any available rebate pricing, as reflected in the daily rate sheet, or from a Seller’s concession.\r\n\r\n<strong>We are currently working with the following MI companies:</strong> Genworth, MGIC, United Guaranty, Essent Guaranty, and National MI. You must follow the MI companies HFA guidelines.\r\n\r\n<strong>First Time Home Buyer:</strong> No first-time home buyer requirement.\r\n\r\n<strong>Home Buyer Education:</strong> If all borrowers are first-time home buyers, at least one borrower must complete pre-purchase home-buyer education and counseling. Oklahoma Homebuyer Education Association (OHEA) Certified instructors and HUD Certified instructors are eligible Homebuyer Education providers.\r\n\r\n<strong>Lender Compensation, Fees, and Purchase:</strong> Please review the Program Guidelines for compensation, loan fees, and purchase requirements.\r\n\r\n<strong>Forms:</strong>\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/05/Program-Guidelines.pdf\" target=\"_blank\">Program Guidelines Choice100</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/05/2014-Area-Median-Incomes-Choice-100-Program.pdf\" target=\"_blank\">2014 Area Median Incomes - Choice100 Program</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/09/MORTGAGORS-AGREEMENT-DISCLOSURE-FORM.pdf\">Mortgagors Agreement &amp; Disclosure Form</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/09/SECOND-LIEN-RIDER.pdf\">Second Lien Rider</a></li>\r\n</ul>', 'REI Choice100 Program', '', 'inherit', 'open', 'open', '', '217-revision-v1', '', '', '2014-07-02 16:07:40', '2014-07-02 16:07:40', '', 217, 'http://reidownpayment.org/217-revision-v1/', 0, 'revision', '', 0),
(556, 2, '2014-07-02 16:08:00', '2014-07-02 16:08:00', '<b>REI GIFT100 PROGRAM</b>\r\n\r\nREI Down Payment Assistance invests in Oklahoma’s future by providing housing opportunities to low income individuals and families.  The new statewide REI Gift100 Program provides a competitive first mortgage and down payment and closing cost assistance to eligible mortgagors. The down payment is in the form of a gift, second liens or deed restrictions are not required for this program.\r\n\r\nThe program includes the following loan types:\r\n<ul>\r\n	<li>FHA – 203(b), 234(c) &amp; 203ks (lenders must have an additional approval from U.S. Bank to originate 203ks loans) – 30 year fixed rate</li>\r\n	<li>VA – 203(b) &amp; 234(c) – 30 year fixed rate</li>\r\n	<li>Rural Housing Guaranteed Loan – 30 year fixed rate</li>\r\n	<li>HUD Section 184 – 30 year fixed rate</li>\r\n</ul>\r\nRate/term refinance on any of the above loan products.<strong>\r\n</strong>\r\n\r\n<strong>Lenders:</strong> Lenders must be approved by U.S. Bank to participate in the REI Gift100 Program.  Interested lenders should contact U.S. Bank Help desk at 1-800-562-5165 or <a href=\"mailto:mrbp.helpdesk@usbank.com\" target=\"_blank\">mrbp.helpdesk@usbank.com</a>.  You can also contact Dena Sherrill, Housing Program Manager, REI Down Payment Assistance at 1-800-658-2823 or <a href=\"mailto:dsherrill@reiok.org\" target=\"_blank\">dsherrill@reiok.org</a> or Jeremy Layman, Housing Program Specialist at <a href=\"mailto:jlayman@reiok.org\" target=\"_blank\">jlayman@reiok.org</a>.\r\n<p align=\"center\"><b>***Third Party Origination is not allowed***</b></p>\r\n <strong>Program Highlights:</strong>\r\n\r\n<strong>Structure:</strong> Up to 4.5% of the total loan amount in the form of a gift. The funds may be used to fund up to 100% of the Borrower\'s cash requirement to close, including the down payment, closing costs, pre-paid items and other related Mortgage Loan fees and expenses.  No portion of the gift funds can be paid to the Borrower unless the Borrower is being reimbursed for an overage of his/her earnest money deposit to the extent the minimum Borrower contribution has been satisfied.  Under the rate/term refinance option, any funds above the amount needed to pay the Borrower\'s loan related costs must be used to reduce the principal amount of the First Mortgage loan.\r\n\r\n<b>First Mortgage Origination Fee:  </b>Usual and customary as allowed by First Mortgage loan program.\r\n\r\n<strong>Interest rates:</strong> REI Down Payment Assistance will post First Mortgage interest rates by 9:00 a.m. C.S.T. daily on the Lender Portal at <a href=\"http://www.reigift100.org/\">www.reigift100.org</a>.  All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>15 days is 0.1875%</li>\r\n	<li>30 days is 0.375%</li>\r\n</ul>\r\n<p align=\"center\"><b>***Rates can be subject to intra-day pricing changes***</b></p>\r\n<strong>Income Limits:</strong> FHA, VA, &amp; HUD 184 - The Borrower\'s <strong>qualifying </strong>income must not exceed Program Income Limits.  Click on Area Median Income below to view income limits.  They can also be found in the Lender Portal at <a href=\"http://www.reigift100.org/\" target=\"_blank\">www.reigift100.org</a>.\r\n\r\nRural Development Loans - Income is based on Adjusted Household Income per Rural Development\'s Guidelines.  Income limits can be found by <a href=\"http://www.rurdev.usda.gov/SupportDocuments/OK%20GRH.pdf\" target=\"_blank\">clicking here</a>.\r\n\r\n<b>***Lenders will be responsible for ensuring that the income meets program guidelines.***</b>\r\n\r\n<strong>Credit Score:</strong> Minimum credit score of 640.\r\n\r\n<strong>Maximum DTI:</strong> 45%\r\n\r\n<strong>First Time Home Buyer:</strong> No first-time home buyer requirement.\r\n\r\n<strong>Home Buyer Education:</strong> Recommended but not required.\r\n\r\n<strong>Lender Compensation, Fees, and Purchase:</strong> Please review the Program Summary and Program Guidelines below for compensation, loan fees, and purchase requirements.  These documents can also be found on the Lender Portal at <a href=\"http://www.reigift100.org/\" target=\"_blank\">www.reigift100.org</a>.\r\n\r\n<strong>Forms:</strong>\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/05/REI-Gift100-Program-Summary-14-05-20.pdf\" target=\"_blank\">REI Gift100 Program Summary</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/04/2014-Area-Median-Incomes-Gift-100-Program.pdf\" target=\"_blank\">2014 Area Median Income - Gift100 Program</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/04/REI-Gift100-Guidelines.pdf\" target=\"_blank\">REI Gift100 Guidelines</a></li>\r\n	<li><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a></li>\r\n</ul>\r\n<strong>US Bank Forms &amp; Bulletins:</strong>\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/05/USB-002-DPA-Form.pdf\" target=\"_blank\">Down Payment Assistance Form</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/05/MRBP-Government-Loan-Delivery-Checklist-pg-1.pdf\" target=\"_blank\">Delivery Checklist Form</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/05/MRB-Funding-Fee-Increase-2014-37.pdf\" target=\"_blank\">Funding Fee Increase Bulletin 2014-37</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/05/Loan-Review-Process-Reminders-2014-26.pdf\" target=\"_blank\">Loan Review Process Bulletin 2014-26</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/06/MRBP-Compliance-Audit-Reminders-2014-40.pdf\" target=\"_blank\">MRBP Compliance Audit Reminder 2014-40</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/06/MRBP_Compliance_Reminders-2014-39.pdf\" target=\"_blank\">MRBP Compliance Reminders 2014-39</a></li>\r\n</ul>', 'REI Gift100 Program', '', 'inherit', 'open', 'open', '', '431-revision-v1', '', '', '2014-07-02 16:08:00', '2014-07-02 16:08:00', '', 431, 'http://reidownpayment.org/431-revision-v1/', 0, 'revision', '', 0),
(557, 2, '2014-07-03 17:22:52', '2014-07-03 17:22:52', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated July 3, 2014 at 9:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n\r\n• 15 days is 0.1875%\r\n• 30 days is 0.375%\r\n\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2014-07-03 17:22:52', '2014-07-03 17:22:52', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(558, 2, '2014-07-07 14:02:12', '2014-07-07 14:02:12', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated July 7, 2014 at 9:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n\r\n• 15 days is 0.1875%\r\n• 30 days is 0.375%\r\n\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2014-07-07 14:02:12', '2014-07-07 14:02:12', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(559, 2, '2014-07-08 13:57:43', '2014-07-08 13:57:43', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated July 8, 2014 at 9:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n\r\n• 15 days is 0.1875%\r\n• 30 days is 0.375%\r\n\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2014-07-08 13:57:43', '2014-07-08 13:57:43', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(561, 2, '2014-07-09 14:01:26', '2014-07-09 14:01:26', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated July 9, 2014 at 9:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n\r\n• 15 days is 0.1875%\r\n• 30 days is 0.375%\r\n\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2014-07-09 14:01:26', '2014-07-09 14:01:26', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(562, 2, '2014-07-10 14:05:46', '2014-07-10 14:05:46', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated July 10, 2014 at 9:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n\r\n• 15 days is 0.1875%\r\n• 30 days is 0.375%\r\n\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2014-07-10 14:05:46', '2014-07-10 14:05:46', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(563, 2, '2014-07-11 13:38:26', '2014-07-11 13:38:26', '', 'MRBP Flood Insurance Requirements 2014-41', '', 'inherit', 'open', 'open', '', 'mrbp-flood-insurance-requirements-2014-41', '', '', '2014-07-11 13:38:26', '2014-07-11 13:38:26', '', 0, 'http://reidownpayment.org/wp/wp-content/uploads/2014/07/MRBP-Flood-Insurance-Requirements-2014-41.pdf', 0, 'attachment', 'application/pdf', 0),
(564, 2, '2014-07-11 13:39:43', '2014-07-11 13:39:43', '<b>REI GIFT100 PROGRAM</b>\r\n\r\nREI Down Payment Assistance invests in Oklahoma’s future by providing housing opportunities to low income individuals and families.  The new statewide REI Gift100 Program provides a competitive first mortgage and down payment and closing cost assistance to eligible mortgagors. The down payment is in the form of a gift, second liens or deed restrictions are not required for this program.\r\n\r\nThe program includes the following loan types:\r\n<ul>\r\n	<li>FHA – 203(b), 234(c) &amp; 203ks (lenders must have an additional approval from U.S. Bank to originate 203ks loans) – 30 year fixed rate</li>\r\n	<li>VA – 203(b) &amp; 234(c) – 30 year fixed rate</li>\r\n	<li>Rural Housing Guaranteed Loan – 30 year fixed rate</li>\r\n	<li>HUD Section 184 – 30 year fixed rate</li>\r\n</ul>\r\nRate/term refinance on any of the above loan products.<strong>\r\n</strong>\r\n\r\n<strong>Lenders:</strong> Lenders must be approved by U.S. Bank to participate in the REI Gift100 Program.  Interested lenders should contact U.S. Bank Help desk at 1-800-562-5165 or <a href=\"mailto:mrbp.helpdesk@usbank.com\" target=\"_blank\">mrbp.helpdesk@usbank.com</a>.  You can also contact Dena Sherrill, Housing Program Manager, REI Down Payment Assistance at 1-800-658-2823 or <a href=\"mailto:dsherrill@reiok.org\" target=\"_blank\">dsherrill@reiok.org</a> or Jeremy Layman, Housing Program Specialist at <a href=\"mailto:jlayman@reiok.org\" target=\"_blank\">jlayman@reiok.org</a>.\r\n<p align=\"center\"><b>***Third Party Origination is not allowed***</b></p>\r\n <strong>Program Highlights:</strong>\r\n\r\n<strong>Structure:</strong> Up to 4.5% of the total loan amount in the form of a gift. The funds may be used to fund up to 100% of the Borrower\'s cash requirement to close, including the down payment, closing costs, pre-paid items and other related Mortgage Loan fees and expenses.  No portion of the gift funds can be paid to the Borrower unless the Borrower is being reimbursed for an overage of his/her earnest money deposit to the extent the minimum Borrower contribution has been satisfied.  Under the rate/term refinance option, any funds above the amount needed to pay the Borrower\'s loan related costs must be used to reduce the principal amount of the First Mortgage loan.\r\n\r\n<b>First Mortgage Origination Fee:  </b>Usual and customary as allowed by First Mortgage loan program.\r\n\r\n<strong>Interest rates:</strong> REI Down Payment Assistance will post First Mortgage interest rates by 9:00 a.m. C.S.T. daily on the Lender Portal at <a href=\"http://www.reigift100.org/\">www.reigift100.org</a>.  All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>15 days is 0.1875%</li>\r\n	<li>30 days is 0.375%</li>\r\n</ul>\r\n<p align=\"center\"><b>***Rates can be subject to intra-day pricing changes***</b></p>\r\n<strong>Income Limits:</strong> FHA, VA, &amp; HUD 184 - The Borrower\'s <strong>qualifying </strong>income must not exceed Program Income Limits.  Click on Area Median Income below to view income limits.  They can also be found in the Lender Portal at <a href=\"http://www.reigift100.org/\" target=\"_blank\">www.reigift100.org</a>.\r\n\r\nRural Development Loans - Income is based on Adjusted Household Income per Rural Development\'s Guidelines.  Income limits can be found by <a href=\"http://www.rurdev.usda.gov/SupportDocuments/OK%20GRH.pdf\" target=\"_blank\">clicking here</a>.\r\n\r\n<b>***Lenders will be responsible for ensuring that the income meets program guidelines.***</b>\r\n\r\n<strong>Credit Score:</strong> Minimum credit score of 640.\r\n\r\n<strong>Maximum DTI:</strong> 45%\r\n\r\n<strong>First Time Home Buyer:</strong> No first-time home buyer requirement.\r\n\r\n<strong>Home Buyer Education:</strong> Recommended but not required.\r\n\r\n<strong>Lender Compensation, Fees, and Purchase:</strong> Please review the Program Summary and Program Guidelines below for compensation, loan fees, and purchase requirements.  These documents can also be found on the Lender Portal at <a href=\"http://www.reigift100.org/\" target=\"_blank\">www.reigift100.org</a>.\r\n\r\n<strong>Forms:</strong>\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/05/REI-Gift100-Program-Summary-14-05-20.pdf\" target=\"_blank\">REI Gift100 Program Summary</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/04/2014-Area-Median-Incomes-Gift-100-Program.pdf\" target=\"_blank\">2014 Area Median Income - Gift100 Program</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/04/REI-Gift100-Guidelines.pdf\" target=\"_blank\">REI Gift100 Guidelines</a></li>\r\n	<li><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a></li>\r\n</ul>\r\n<strong>US Bank Forms &amp; Bulletins:</strong>\r\n<ul>\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/05/USB-002-DPA-Form.pdf\" target=\"_blank\">Down Payment Assistance Form</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/05/MRBP-Government-Loan-Delivery-Checklist-pg-1.pdf\" target=\"_blank\">Delivery Checklist Form</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/05/MRB-Funding-Fee-Increase-2014-37.pdf\" target=\"_blank\">Funding Fee Increase Bulletin 2014-37</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/05/Loan-Review-Process-Reminders-2014-26.pdf\" target=\"_blank\">Loan Review Process Bulletin 2014-26</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/06/MRBP-Compliance-Audit-Reminders-2014-40.pdf\" target=\"_blank\">MRBP Compliance Audit Reminder 2014-40</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/06/MRBP_Compliance_Reminders-2014-39.pdf\" target=\"_blank\">MRBP Compliance Reminders 2014-39</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/07/MRBP-Flood-Insurance-Requirements-2014-41.pdf\" target=\"_blank\">MRBP Flood Insurance Requirements 2014-41</a></li>\r\n</ul>\r\n</ul>', 'REI Gift100 Program', '', 'inherit', 'open', 'open', '', '431-revision-v1', '', '', '2014-07-11 13:39:43', '2014-07-11 13:39:43', '', 431, 'http://reidownpayment.org/431-revision-v1/', 0, 'revision', '', 0),
(565, 2, '2014-07-11 14:03:27', '2014-07-11 14:03:27', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated July 11, 2014 at 9:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n\r\n• 15 days is 0.1875%\r\n• 30 days is 0.375%\r\n\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2014-07-11 14:03:27', '2014-07-11 14:03:27', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(566, 2, '2014-07-14 14:12:57', '2014-07-14 14:12:57', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated July 14, 2014 at 9:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n\r\n• 15 days is 0.1875%\r\n• 30 days is 0.375%\r\n\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2014-07-14 14:12:57', '2014-07-14 14:12:57', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(567, 2, '2014-07-14 19:43:01', '2014-07-14 19:43:01', '<img class=\"size-full wp-image-146 alignright\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/homebuyers-pic-1.png\" alt=\"homebuyers-pic-1\" width=\"348\" height=\"348\" />\r\n\r\n<strong>REI Gift100</strong>\r\n\r\nREI Down Payment Assistance invests in Oklahoma’s future by providing housing opportunities to low income individuals and families. The new statewide REI Gift100 Program provides a competitive first mortgage and down payment/closing cost assistance to eligible mortgagors.  The down payment is in the form of a gift, you are not required to pay this back and there will not be any second liens or deed restrictions against your property.  This program can be used with the following loan types:\r\n<ul>\r\n	<li>FHA</li>\r\n	<li>VA</li>\r\n	<li>Rural Development</li>\r\n	<li>HUD Section 184</li>\r\n</ul>\r\nRate/term refinance on any of the above loan products.\r\n\r\n<strong>Program Highlights:</strong>\r\n\r\n<strong>Structure:</strong> 3.5% of the total loan amount in the form of a gift.  The funds may be used to fund up to 100% of the Borrower\'s cash requirement to close, including the down payment, closing costs, pre-paid items and other related Mortgage Loan fees and expenses.\r\n\r\n<strong>Lenders:</strong> You may use the lender of your choice, if they are approved for the REI Gift100 Program.   Many lenders throughout the state are approved.  If you are using a lender that is not familiar with the program or is not approved, please have them contact Dena Sherrill, REI Down Payment Assistance Manager at 800-658-2823 or <a href=\"mailto:dsherrill@reiok.org\">dsherrill@reiok.org</a>.\r\n\r\n<strong>Income Limits:</strong> Income limits apply based on qualifying income and household size.  Click on the Area Median Income link below to view income requirements.\r\n\r\n<strong>Credit Score:</strong> Minimum credit score of 640.\r\n\r\n<strong>First Time Home Buyer:</strong> You do not have to be a first-time home buyer for this program.\r\n\r\n<strong>Home Buyer Education:</strong> Recommended but not required.\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/04/2014-Area-Median-Incomes-Gift-100-Program.pdf\" target=\"_blank\">2014 Area Median Incomes - REI Gift100 Program</a></li>\r\n</ul>', 'REI Gift100 Program', '', 'inherit', 'open', 'open', '', '168-revision-v1', '', '', '2014-07-14 19:43:01', '2014-07-14 19:43:01', '', 168, 'http://reidownpayment.org/168-revision-v1/', 0, 'revision', '', 0),
(568, 2, '2014-07-14 19:44:32', '2014-07-14 19:44:32', '<b>REI GIFT100 PROGRAM</b>\r\n\r\nREI Down Payment Assistance invests in Oklahoma’s future by providing housing opportunities to low income individuals and families.  The new statewide REI Gift100 Program provides a competitive first mortgage and down payment and closing cost assistance to eligible mortgagors. The down payment is in the form of a gift, second liens or deed restrictions are not required for this program.\r\n\r\nThe program includes the following loan types:\r\n<ul>\r\n	<li>FHA – 203(b), 234(c) &amp; 203ks (lenders must have an additional approval from U.S. Bank to originate 203ks loans) – 30 year fixed rate</li>\r\n	<li>VA – 203(b) &amp; 234(c) – 30 year fixed rate</li>\r\n	<li>Rural Housing Guaranteed Loan – 30 year fixed rate</li>\r\n	<li>HUD Section 184 – 30 year fixed rate</li>\r\n</ul>\r\nRate/term refinance on any of the above loan products.<strong>\r\n</strong>\r\n\r\n<strong>Lenders:</strong> Lenders must be approved by U.S. Bank to participate in the REI Gift100 Program.  Interested lenders should contact U.S. Bank Help desk at 1-800-562-5165 or <a href=\"mailto:mrbp.helpdesk@usbank.com\" target=\"_blank\">mrbp.helpdesk@usbank.com</a>.  You can also contact Dena Sherrill, Housing Program Manager, REI Down Payment Assistance at 1-800-658-2823 or <a href=\"mailto:dsherrill@reiok.org\" target=\"_blank\">dsherrill@reiok.org</a> or Jeremy Layman, Housing Program Specialist at <a href=\"mailto:jlayman@reiok.org\" target=\"_blank\">jlayman@reiok.org</a>.\r\n<p align=\"center\"><b>***Third Party Origination is not allowed***</b></p>\r\n <strong>Program Highlights:</strong>\r\n\r\n<strong>Structure:</strong> 3.5% of the total loan amount in the form of a gift. The funds may be used to fund up to 100% of the Borrower\'s cash requirement to close, including the down payment, closing costs, pre-paid items and other related Mortgage Loan fees and expenses.  No portion of the gift funds can be paid to the Borrower unless the Borrower is being reimbursed for an overage of his/her earnest money deposit to the extent the minimum Borrower contribution has been satisfied.  Under the rate/term refinance option, any funds above the amount needed to pay the Borrower\'s loan related costs must be used to reduce the principal amount of the First Mortgage loan.\r\n\r\n<b>First Mortgage Origination Fee:  </b>Usual and customary as allowed by First Mortgage loan program.\r\n\r\n<strong>Interest rates:</strong> REI Down Payment Assistance will post First Mortgage interest rates by 9:00 a.m. C.S.T. daily on the Lender Portal at <a href=\"http://www.reigift100.org/\">www.reigift100.org</a>.  All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>15 days is 0.1875%</li>\r\n	<li>30 days is 0.375%</li>\r\n</ul>\r\n<p align=\"center\"><b>***Rates can be subject to intra-day pricing changes***</b></p>\r\n<strong>Income Limits:</strong> FHA, VA, &amp; HUD 184 - The Borrower\'s <strong>qualifying </strong>income must not exceed Program Income Limits.  Click on Area Median Income below to view income limits.  They can also be found in the Lender Portal at <a href=\"http://www.reigift100.org/\" target=\"_blank\">www.reigift100.org</a>.\r\n\r\nRural Development Loans - Income is based on Adjusted Household Income per Rural Development\'s Guidelines.  Income limits can be found by <a href=\"http://www.rurdev.usda.gov/SupportDocuments/OK%20GRH.pdf\" target=\"_blank\">clicking here</a>.\r\n\r\n<b>***Lenders will be responsible for ensuring that the income meets program guidelines.***</b>\r\n\r\n<strong>Credit Score:</strong> Minimum credit score of 640.\r\n\r\n<strong>Maximum DTI:</strong> 45%\r\n\r\n<strong>First Time Home Buyer:</strong> No first-time home buyer requirement.\r\n\r\n<strong>Home Buyer Education:</strong> Recommended but not required.\r\n\r\n<strong>Lender Compensation, Fees, and Purchase:</strong> Please review the Program Summary and Program Guidelines below for compensation, loan fees, and purchase requirements.  These documents can also be found on the Lender Portal at <a href=\"http://www.reigift100.org/\" target=\"_blank\">www.reigift100.org</a>.\r\n\r\n<strong>Forms:</strong>\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/05/REI-Gift100-Program-Summary-14-05-20.pdf\" target=\"_blank\">REI Gift100 Program Summary</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/04/2014-Area-Median-Incomes-Gift-100-Program.pdf\" target=\"_blank\">2014 Area Median Income - Gift100 Program</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/04/REI-Gift100-Guidelines.pdf\" target=\"_blank\">REI Gift100 Guidelines</a></li>\r\n	<li><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a></li>\r\n</ul>\r\n<strong>US Bank Forms &amp; Bulletins:</strong>\r\n<ul>\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/05/USB-002-DPA-Form.pdf\" target=\"_blank\">Down Payment Assistance Form</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/05/MRBP-Government-Loan-Delivery-Checklist-pg-1.pdf\" target=\"_blank\">Delivery Checklist Form</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/05/MRB-Funding-Fee-Increase-2014-37.pdf\" target=\"_blank\">Funding Fee Increase Bulletin 2014-37</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/05/Loan-Review-Process-Reminders-2014-26.pdf\" target=\"_blank\">Loan Review Process Bulletin 2014-26</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/06/MRBP-Compliance-Audit-Reminders-2014-40.pdf\" target=\"_blank\">MRBP Compliance Audit Reminder 2014-40</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/06/MRBP_Compliance_Reminders-2014-39.pdf\" target=\"_blank\">MRBP Compliance Reminders 2014-39</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/07/MRBP-Flood-Insurance-Requirements-2014-41.pdf\" target=\"_blank\">MRBP Flood Insurance Requirements 2014-41</a></li>\r\n</ul>\r\n</ul>', 'REI Gift100 Program', '', 'inherit', 'open', 'open', '', '431-revision-v1', '', '', '2014-07-14 19:44:32', '2014-07-14 19:44:32', '', 431, 'http://reidownpayment.org/431-revision-v1/', 0, 'revision', '', 0),
(569, 2, '2014-07-15 13:57:00', '2014-07-15 13:57:00', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated July 15, 2014 at 9:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n\r\n• 15 days is 0.1875%\r\n• 30 days is 0.375%\r\n\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2014-07-15 13:57:00', '2014-07-15 13:57:00', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(570, 2, '2014-07-15 16:03:12', '2014-07-15 16:03:12', '', 'MRBP Dodd-Frank Reminders 2014-42', '', 'inherit', 'open', 'open', '', 'mrbp-dodd-frank-reminders-2014-42', '', '', '2014-07-15 16:03:12', '2014-07-15 16:03:12', '', 0, 'http://reidownpayment.org/wp/wp-content/uploads/2014/07/MRBP-Dodd-Frank-Reminders-2014-42.pdf', 0, 'attachment', 'application/pdf', 0),
(571, 2, '2014-07-15 16:03:19', '2014-07-15 16:03:19', '', 'NMLS Requirement Bulletin 2014-43', '', 'inherit', 'open', 'open', '', 'nmls-requirement-bulletin-2014-43', '', '', '2014-07-15 16:03:19', '2014-07-15 16:03:19', '', 0, 'http://reidownpayment.org/wp/wp-content/uploads/2014/07/NMLS-Requirement-Bulletin-2014-43.pdf', 0, 'attachment', 'application/pdf', 0),
(572, 2, '2014-07-15 16:04:46', '2014-07-15 16:04:46', '<b>REI GIFT100 PROGRAM</b>\r\n\r\nREI Down Payment Assistance invests in Oklahoma’s future by providing housing opportunities to low income individuals and families.  The new statewide REI Gift100 Program provides a competitive first mortgage and down payment and closing cost assistance to eligible mortgagors. The down payment is in the form of a gift, second liens or deed restrictions are not required for this program.\r\n\r\nThe program includes the following loan types:\r\n<ul>\r\n	<li>FHA – 203(b), 234(c) &amp; 203ks (lenders must have an additional approval from U.S. Bank to originate 203ks loans) – 30 year fixed rate</li>\r\n	<li>VA – 203(b) &amp; 234(c) – 30 year fixed rate</li>\r\n	<li>Rural Housing Guaranteed Loan – 30 year fixed rate</li>\r\n	<li>HUD Section 184 – 30 year fixed rate</li>\r\n</ul>\r\nRate/term refinance on any of the above loan products.<strong>\r\n</strong>\r\n\r\n<strong>Lenders:</strong> Lenders must be approved by U.S. Bank to participate in the REI Gift100 Program.  Interested lenders should contact U.S. Bank Help desk at 1-800-562-5165 or <a href=\"mailto:mrbp.helpdesk@usbank.com\" target=\"_blank\">mrbp.helpdesk@usbank.com</a>.  You can also contact Dena Sherrill, Housing Program Manager, REI Down Payment Assistance at 1-800-658-2823 or <a href=\"mailto:dsherrill@reiok.org\" target=\"_blank\">dsherrill@reiok.org</a> or Jeremy Layman, Housing Program Specialist at <a href=\"mailto:jlayman@reiok.org\" target=\"_blank\">jlayman@reiok.org</a>.\r\n<p align=\"center\"><b>***Third Party Origination is not allowed***</b></p>\r\n <strong>Program Highlights:</strong>\r\n\r\n<strong>Structure:</strong> 3.5% of the total loan amount in the form of a gift. The funds may be used to fund up to 100% of the Borrower\'s cash requirement to close, including the down payment, closing costs, pre-paid items and other related Mortgage Loan fees and expenses.  No portion of the gift funds can be paid to the Borrower unless the Borrower is being reimbursed for an overage of his/her earnest money deposit to the extent the minimum Borrower contribution has been satisfied.  Under the rate/term refinance option, any funds above the amount needed to pay the Borrower\'s loan related costs must be used to reduce the principal amount of the First Mortgage loan.\r\n\r\n<b>First Mortgage Origination Fee:  </b>Usual and customary as allowed by First Mortgage loan program.\r\n\r\n<strong>Interest rates:</strong> REI Down Payment Assistance will post First Mortgage interest rates by 9:00 a.m. C.S.T. daily on the Lender Portal at <a href=\"http://www.reigift100.org/\">www.reigift100.org</a>.  All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>15 days is 0.1875%</li>\r\n	<li>30 days is 0.375%</li>\r\n</ul>\r\n<p align=\"center\"><b>***Rates can be subject to intra-day pricing changes***</b></p>\r\n<strong>Income Limits:</strong> FHA, VA, &amp; HUD 184 - The Borrower\'s <strong>qualifying </strong>income must not exceed Program Income Limits.  Click on Area Median Income below to view income limits.  They can also be found in the Lender Portal at <a href=\"http://www.reigift100.org/\" target=\"_blank\">www.reigift100.org</a>.\r\n\r\nRural Development Loans - Income is based on Adjusted Household Income per Rural Development\'s Guidelines.  Income limits can be found by <a href=\"http://www.rurdev.usda.gov/SupportDocuments/OK%20GRH.pdf\" target=\"_blank\">clicking here</a>.\r\n\r\n<b>***Lenders will be responsible for ensuring that the income meets program guidelines.***</b>\r\n\r\n<strong>Credit Score:</strong> Minimum credit score of 640.\r\n\r\n<strong>Maximum DTI:</strong> 45%\r\n\r\n<strong>First Time Home Buyer:</strong> No first-time home buyer requirement.\r\n\r\n<strong>Home Buyer Education:</strong> Recommended but not required.\r\n\r\n<strong>Lender Compensation, Fees, and Purchase:</strong> Please review the Program Summary and Program Guidelines below for compensation, loan fees, and purchase requirements.  These documents can also be found on the Lender Portal at <a href=\"http://www.reigift100.org/\" target=\"_blank\">www.reigift100.org</a>.\r\n\r\n<strong>Forms:</strong>\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/05/REI-Gift100-Program-Summary-14-05-20.pdf\" target=\"_blank\">REI Gift100 Program Summary</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/04/2014-Area-Median-Incomes-Gift-100-Program.pdf\" target=\"_blank\">2014 Area Median Income - Gift100 Program</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/04/REI-Gift100-Guidelines.pdf\" target=\"_blank\">REI Gift100 Guidelines</a></li>\r\n	<li><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a></li>\r\n</ul>\r\n<strong>US Bank Forms &amp; Bulletins:</strong>\r\n<ul>\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/05/USB-002-DPA-Form.pdf\" target=\"_blank\">Down Payment Assistance Form</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/05/MRBP-Government-Loan-Delivery-Checklist-pg-1.pdf\" target=\"_blank\">Delivery Checklist Form</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/05/MRB-Funding-Fee-Increase-2014-37.pdf\" target=\"_blank\">Funding Fee Increase Bulletin 2014-37</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/05/Loan-Review-Process-Reminders-2014-26.pdf\" target=\"_blank\">Loan Review Process Bulletin 2014-26</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/06/MRBP-Compliance-Audit-Reminders-2014-40.pdf\" target=\"_blank\">MRBP Compliance Audit Reminder 2014-40</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/06/MRBP_Compliance_Reminders-2014-39.pdf\" target=\"_blank\">MRBP Compliance Reminders 2014-39</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/07/MRBP-Flood-Insurance-Requirements-2014-41.pdf\" target=\"_blank\">MRBP Flood Insurance Requirements 2014-41</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/07/MRBP-Dodd-Frank-Reminders-2014-42.pdf\" target=\"_blank\">MRBP Dodd-Frank Reminders 2014-42</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/07/NMLS-Requirement-Bulletin-2014-43.pdf\" target=\"_blank\">NMLS Requirement Bulletin 2014-43</a></li>\r\n</ul>\r\n</ul>', 'REI Gift100 Program', '', 'inherit', 'open', 'open', '', '431-revision-v1', '', '', '2014-07-15 16:04:46', '2014-07-15 16:04:46', '', 431, 'http://reidownpayment.org/431-revision-v1/', 0, 'revision', '', 0),
(573, 2, '2014-07-16 14:02:56', '2014-07-16 14:02:56', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated July 16, 2014 at 9:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n\r\n• 15 days is 0.1875%\r\n• 30 days is 0.375%\r\n\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2014-07-16 14:02:56', '2014-07-16 14:02:56', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(575, 2, '2014-07-17 14:04:49', '2014-07-17 14:04:49', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated July 17, 2014 at 9:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n\r\n• 15 days is 0.1875%\r\n• 30 days is 0.375%\r\n\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2014-07-17 14:04:49', '2014-07-17 14:04:49', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(576, 2, '2014-07-18 14:06:12', '2014-07-18 14:06:12', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated July 18, 2014 at 9:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n\r\n• 15 days is 0.1875%\r\n• 30 days is 0.375%\r\n\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2014-07-18 14:06:12', '2014-07-18 14:06:12', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(577, 2, '2014-07-21 14:02:48', '2014-07-21 14:02:48', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated July 21, 2014 at 9:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n\r\n• 15 days is 0.1875%\r\n• 30 days is 0.375%\r\n\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2014-07-21 14:02:48', '2014-07-21 14:02:48', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(578, 2, '2014-07-22 14:02:48', '2014-07-22 14:02:48', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated July 22, 2014 at 9:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n\r\n• 15 days is 0.1875%\r\n• 30 days is 0.375%\r\n\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2014-07-22 14:02:48', '2014-07-22 14:02:48', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(579, 2, '2014-07-23 14:01:38', '2014-07-23 14:01:38', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated July 23, 2014 at 9:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n\r\n• 15 days is 0.1875%\r\n• 30 days is 0.375%\r\n\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2014-07-23 14:01:38', '2014-07-23 14:01:38', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(580, 2, '2014-07-24 14:34:25', '2014-07-24 14:34:25', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated July 24, 2014 at 9:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n\r\n• 15 days is 0.1875%\r\n• 30 days is 0.375%\r\n\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2014-07-24 14:34:25', '2014-07-24 14:34:25', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(582, 2, '2014-07-28 14:12:09', '2014-07-28 14:12:09', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated July 28, 2014 at 9:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n\r\n• 15 days is 0.1875%\r\n• 30 days is 0.375%\r\n\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2014-07-28 14:12:09', '2014-07-28 14:12:09', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(583, 2, '2014-07-29 14:19:03', '2014-07-29 14:19:03', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated July 29, 2014 at 9:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n\r\n• 15 days is 0.1875%\r\n• 30 days is 0.375%\r\n\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2014-07-29 14:19:03', '2014-07-29 14:19:03', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(584, 2, '2014-07-30 13:58:31', '2014-07-30 13:58:31', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated July 30, 2014 at 9:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n\r\n• 15 days is 0.1875%\r\n• 30 days is 0.375%\r\n\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2014-07-30 13:58:31', '2014-07-30 13:58:31', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0);
INSERT INTO `wp_posts` (`ID`, `post_author`, `post_date`, `post_date_gmt`, `post_content`, `post_title`, `post_excerpt`, `post_status`, `comment_status`, `ping_status`, `post_password`, `post_name`, `to_ping`, `pinged`, `post_modified`, `post_modified_gmt`, `post_content_filtered`, `post_parent`, `guid`, `menu_order`, `post_type`, `post_mime_type`, `comment_count`) VALUES
(585, 2, '2014-07-30 17:12:39', '2014-07-30 17:12:39', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated July 30, 2014 at 12:15 p.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n\r\n• 15 days is 0.1875%\r\n• 30 days is 0.375%\r\n\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2014-07-30 17:12:39', '2014-07-30 17:12:39', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(586, 2, '2014-07-31 13:56:50', '2014-07-31 13:56:50', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated July 31, 2014 at 9:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n\r\n• 15 days is 0.1875%\r\n• 30 days is 0.375%\r\n\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2014-07-31 13:56:50', '2014-07-31 13:56:50', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(587, 2, '2014-08-01 14:01:23', '2014-08-01 14:01:23', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated August 1, 2014 at 9:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n\r\n• 15 days is 0.1875%\r\n• 30 days is 0.375%\r\n\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2014-08-01 14:01:23', '2014-08-01 14:01:23', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(588, 2, '2014-08-04 14:03:03', '2014-08-04 14:03:03', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated August 4, 2014 at 9:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n\r\n• 15 days is 0.1875%\r\n• 30 days is 0.375%\r\n\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2014-08-04 14:03:03', '2014-08-04 14:03:03', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(590, 2, '2014-08-05 13:58:26', '2014-08-05 13:58:26', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated August 5, 2014 at 9:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n\r\n• 15 days is 0.1875%\r\n• 30 days is 0.375%\r\n\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2014-08-05 13:58:26', '2014-08-05 13:58:26', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(591, 2, '2014-08-06 13:52:02', '2014-08-06 13:52:02', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated August 6, 2014 at 9:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n\r\n• 15 days is 0.1875%\r\n• 30 days is 0.375%\r\n\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2014-08-06 13:52:02', '2014-08-06 13:52:02', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(592, 2, '2014-08-07 13:58:41', '2014-08-07 13:58:41', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated August 7, 2014 at 9:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n\r\n• 15 days is 0.1875%\r\n• 30 days is 0.375%\r\n\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2014-08-07 13:58:41', '2014-08-07 13:58:41', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(593, 2, '2014-08-07 20:42:47', '2014-08-07 20:42:47', '', 'alyssa bowen', '', 'inherit', 'open', 'open', '', 'alyssa-bowen', '', '', '2014-08-07 20:42:47', '2014-08-07 20:42:47', '', 0, 'http://reidownpayment.org/wp/wp-content/uploads/2014/08/alyssa-bowen.jpg', 0, 'attachment', 'image/jpeg', 0),
(594, 2, '2019-01-25 16:34:48', '2019-01-25 16:34:48', '<h3></h3>\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/11/dena-mug.jpg\"><img class=\"size-full wp-image-45 alignleft\" style=\"margin-top: 0;\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/11/dena-mug.jpg\" alt=\"dena\" width=\"258\" height=\"260\" /></a>\r\n<h3></h3>\r\n<h3>Dena Sherrill</h3>\r\nDirector of Housing\r\n<a href=\"mailto:dsherrill@reiok.org\">dsherrill@reiok.org</a>\r\n\r\n&nbsp;\r\n\r\n&nbsp;\r\n<div class=\"clearfix\"></div>\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/11/Jeremy-mug.jpg\"><img class=\"size-medium wp-image-46 alignleft\" style=\"margin-top: 40px;\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/11/Jeremy-mug.jpg\" alt=\"staff-2\" width=\"258\" height=\"260\" /></a>\r\n<h3></h3>\r\n<h3>Jeremy Layman</h3>\r\nSenior Housing Program Specialist\r\n<a href=\"mailto:jlayman@reiok.org\">jlayman@reiok.org</a>\r\n\r\n&nbsp;\r\n\r\n&nbsp;\r\n<div class=\"clearfix\"></div>\r\n<div></div>\r\n<div></div>\r\n<div></div>\r\n<div></div>\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2016/09/alyssa.jpg\"><img class=\"size-full wp-image-47 alignleft\" style=\"margin-top: 40px;\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2016/09/alyssa.jpg\" alt=\"staff-3\" width=\"258\" height=\"261\" /></a>\r\n<h3></h3>\r\n<h3>Alyssa Bowen</h3>\r\nHousing Market Developer\r\n<a href=\"mailto:abowen@reiok.org\">abowen@reiok.org</a>\r\n\r\n&nbsp;\r\n\r\n&nbsp;\r\n\r\n&nbsp;\r\n\r\n&nbsp;\r\n<div class=\"clearfix\"></div>\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2016/09/hailey.jpg\"><img class=\"size-full wp-image-47 alignleft\" style=\"margin-top: 40px;\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2016/09/hailey.jpg\" alt=\"staff-3\" width=\"258\" height=\"261\" /></a>\r\n<h3></h3>\r\n<h3></h3>\r\n<h3>Hailey Perkins</h3>\r\nHousing Data Specialist\r\n<a href=\"mailto:hperkins@reiok.org\">hperkins@reiok.org</a>\r\n\r\n&nbsp;\r\n\r\n&nbsp;\r\n\r\n&nbsp;\r\n\r\n<em>REI Oklahoma is an equal opportunity employer.</em>', 'Staff', '', 'inherit', 'open', 'open', '', '9-autosave-v1', '', '', '2019-01-25 16:34:48', '2019-01-25 16:34:48', '', 9, 'http://reidownpayment.org/9-autosave-v1/', 0, 'revision', '', 0),
(595, 2, '2014-08-07 20:44:49', '2014-08-07 20:44:49', '<h3></h3>\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/11/dena-mug.jpg\"><img class=\"size-full wp-image-45 alignleft\" style=\"margin-top: 0;\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/11/dena-mug.jpg\" alt=\"dena\" width=\"258\" height=\"260\" /></a>\r\n<h3></h3>\r\n<h3>Dena Sherrill</h3>\r\nHousing Manager\r\n<a href=\"mailto:dsherrill@reiok.org\">dsherrill@reiok.org</a>\r\n\r\n&nbsp;\r\n\r\n&nbsp;\r\n<div class=\"clearfix\"></div>\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/11/Jeremy-mug.jpg\"><img class=\"size-medium wp-image-46 alignleft\" style=\"margin-top: 40px;\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/11/Jeremy-mug.jpg\" alt=\"staff-2\" width=\"258\" height=\"260\" /></a>\r\n<h3>Jeremy Layman</h3>\r\nHousing Specialist\r\n<a href=\"mailto:jlayman@reiok.org\">jlayman@reiok.org</a>\r\n\r\n&nbsp;\r\n\r\n&nbsp;\r\n<div class=\"clearfix\"></div>\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/11/linda-mug.jpg\"><img class=\"size-full wp-image-47 alignleft\" style=\"margin-top: 40px;\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/11/linda-mug.jpg\" alt=\"staff-3\" width=\"258\" height=\"261\" /></a>\r\n<h3>Linda Davis</h3>\r\nHousing Coordinator\r\n<a href=\"mailto:ldavis@reiok.org\">ldavis@reiok.org</a>\r\n\r\n&nbsp;\r\n&nbsp;\r\n<div class=\"clearfix\"></div>\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/08/alyssa-bowen.jpg\"><img class=\"size-full wp-image-47 alignleft\" style=\"margin-top: 40px;\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2014/08/alyssa-bowen.jpg\" alt=\"staff-3\" width=\"258\" height=\"261\" /></a>\r\n<h3>Alyssa Bowen</h3>\r\nHousing Program Specialist\r\n<a href=\"mailto:abowen@reiok.org\">abowen@reiok.org</a>\r\n\r\n&nbsp;\r\n\r\n&nbsp;\r\n\r\n&nbsp;\r\n\r\n&nbsp;\r\n\r\n<em>REI Oklahoma is an equal opportunity employer.</em>', 'Staff', '', 'inherit', 'open', 'open', '', '9-revision-v1', '', '', '2014-08-07 20:44:49', '2014-08-07 20:44:49', '', 9, 'http://reidownpayment.org/9-revision-v1/', 0, 'revision', '', 0),
(596, 2, '2014-08-08 13:56:18', '2014-08-08 13:56:18', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated August 8, 2014 at 9:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n\r\n• 15 days is 0.1875%\r\n• 30 days is 0.375%\r\n\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2014-08-08 13:56:18', '2014-08-08 13:56:18', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(597, 2, '2014-08-11 14:02:47', '2014-08-11 14:02:47', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated August 11, 2014 at 9:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n\r\n• 15 days is 0.1875%\r\n• 30 days is 0.375%\r\n\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2014-08-11 14:02:47', '2014-08-11 14:02:47', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(598, 2, '2014-08-12 14:08:40', '2014-08-12 14:08:40', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated August 12, 2014 at 9:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n\r\n• 15 days is 0.1875%\r\n• 30 days is 0.375%\r\n\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2014-08-12 14:08:40', '2014-08-12 14:08:40', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(600, 2, '2014-08-13 14:04:24', '2014-08-13 14:04:24', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated August 13, 2014 at 9:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n\r\n• 15 days is 0.1875%\r\n• 30 days is 0.375%\r\n\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2014-08-13 14:04:24', '2014-08-13 14:04:24', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(601, 2, '2014-08-14 14:13:48', '2014-08-14 14:13:48', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated August 14, 2014 at 9:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n\r\n• 15 days is 0.1875%\r\n• 30 days is 0.375%\r\n\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2014-08-14 14:13:48', '2014-08-14 14:13:48', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(602, 2, '2014-08-15 14:11:54', '2014-08-15 14:11:54', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated August 15, 2014 at 9:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n\r\n• 15 days is 0.1875%\r\n• 30 days is 0.375%\r\n\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2014-08-15 14:11:54', '2014-08-15 14:11:54', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(603, 2, '2014-08-18 13:56:17', '2014-08-18 13:56:17', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated August 18, 2014 at 9:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n\r\n• 15 days is 0.1875%\r\n• 30 days is 0.375%\r\n\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2014-08-18 13:56:17', '2014-08-18 13:56:17', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(604, 2, '2014-08-19 14:00:53', '2014-08-19 14:00:53', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated August 19, 2014 at 9:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n\r\n• 15 days is 0.1875%\r\n• 30 days is 0.375%\r\n\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2014-08-19 14:00:53', '2014-08-19 14:00:53', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(605, 2, '2014-08-20 14:05:00', '2014-08-20 14:05:00', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated August 20, 2014 at 9:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n\r\n• 15 days is 0.1875%\r\n• 30 days is 0.375%\r\n\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2014-08-20 14:05:00', '2014-08-20 14:05:00', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(607, 2, '2014-08-21 13:57:18', '2014-08-21 13:57:18', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated August 21, 2014 at 9:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n\r\n• 15 days is 0.1875%\r\n• 30 days is 0.375%\r\n\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2014-08-21 13:57:18', '2014-08-21 13:57:18', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(608, 2, '2014-08-22 14:00:25', '2014-08-22 14:00:25', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated August 22, 2014 at 9:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n\r\n• 15 days is 0.1875%\r\n• 30 days is 0.375%\r\n\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2014-08-22 14:00:25', '2014-08-22 14:00:25', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(609, 2, '2014-08-25 14:00:11', '2014-08-25 14:00:11', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated August 25, 2014 at 9:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n\r\n• 15 days is 0.1875%\r\n• 30 days is 0.375%\r\n\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2014-08-25 14:00:11', '2014-08-25 14:00:11', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(610, 2, '2014-08-26 14:02:48', '2014-08-26 14:02:48', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated August 26, 2014 at 9:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n\r\n• 15 days is 0.1875%\r\n• 30 days is 0.375%\r\n\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2014-08-26 14:02:48', '2014-08-26 14:02:48', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(611, 2, '2014-08-27 13:57:16', '2014-08-27 13:57:16', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated August 27, 2014 at 9:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n\r\n• 15 days is 0.1875%\r\n• 30 days is 0.375%\r\n\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2014-08-27 13:57:16', '2014-08-27 13:57:16', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(612, 2, '2014-08-28 14:21:55', '2014-08-28 14:21:55', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated August 28, 2014 at 9:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n\r\n• 15 days is 0.1875%\r\n• 30 days is 0.375%\r\n\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2014-08-28 14:21:55', '2014-08-28 14:21:55', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(614, 2, '2014-08-29 14:13:00', '2014-08-29 14:13:00', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated August 29, 2014 at 9:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n\r\n• 15 days is 0.1875%\r\n• 30 days is 0.375%\r\n\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2014-08-29 14:13:00', '2014-08-29 14:13:00', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(615, 2, '2014-09-02 13:57:02', '2014-09-02 13:57:02', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated September 2, 2014 at 9:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n\r\n• 15 days is 0.1875%\r\n• 30 days is 0.375%\r\n\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2014-09-02 13:57:02', '2014-09-02 13:57:02', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(616, 2, '2014-09-03 13:54:47', '2014-09-03 13:54:47', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated September 3, 2014 at 9:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n\r\n• 15 days is 0.1875%\r\n• 30 days is 0.375%\r\n\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2014-09-03 13:54:47', '2014-09-03 13:54:47', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(617, 2, '2014-09-04 14:06:58', '2014-09-04 14:06:58', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated September 4, 2014 at 9:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n\r\n• 15 days is 0.1875%\r\n• 30 days is 0.375%\r\n\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2014-09-04 14:06:58', '2014-09-04 14:06:58', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(618, 2, '2014-09-05 13:50:15', '2014-09-05 13:50:15', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated September 5, 2014 at 9:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n\r\n• 15 days is 0.1875%\r\n• 30 days is 0.375%\r\n\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2014-09-05 13:50:15', '2014-09-05 13:50:15', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(619, 2, '2014-09-05 16:28:48', '2014-09-05 16:28:48', '', 'REI Gift100 Program Summary 14 09 05', '', 'inherit', 'open', 'open', '', 'rei-gift100-program-summary-14-09-05', '', '', '2014-09-05 16:28:48', '2014-09-05 16:28:48', '', 0, 'http://reidownpayment.org/wp/wp-content/uploads/2014/09/REI-Gift100-Program-Summary-14-09-05.pdf', 0, 'attachment', 'application/pdf', 0),
(620, 2, '2014-09-05 16:29:30', '2014-09-05 16:29:30', '<b>REI GIFT100 PROGRAM</b>\r\n\r\nREI Down Payment Assistance invests in Oklahoma’s future by providing housing opportunities to low income individuals and families.  The new statewide REI Gift100 Program provides a competitive first mortgage and down payment and closing cost assistance to eligible mortgagors. The down payment is in the form of a gift, second liens or deed restrictions are not required for this program.\r\n\r\nThe program includes the following loan types:\r\n<ul>\r\n	<li>FHA – 203(b), 234(c) &amp; 203ks (lenders must have an additional approval from U.S. Bank to originate 203ks loans) – 30 year fixed rate</li>\r\n	<li>VA – 203(b) &amp; 234(c) – 30 year fixed rate</li>\r\n	<li>Rural Housing Guaranteed Loan – 30 year fixed rate</li>\r\n	<li>HUD Section 184 – 30 year fixed rate</li>\r\n</ul>\r\nRate/term refinance on any of the above loan products.<strong>\r\n</strong>\r\n\r\n<strong>Lenders:</strong> Lenders must be approved by U.S. Bank to participate in the REI Gift100 Program.  Interested lenders should contact U.S. Bank Help desk at 1-800-562-5165 or <a href=\"mailto:mrbp.helpdesk@usbank.com\" target=\"_blank\">mrbp.helpdesk@usbank.com</a>.  You can also contact Dena Sherrill, Housing Program Manager, REI Down Payment Assistance at 1-800-658-2823 or <a href=\"mailto:dsherrill@reiok.org\" target=\"_blank\">dsherrill@reiok.org</a> or Jeremy Layman, Housing Program Specialist at <a href=\"mailto:jlayman@reiok.org\" target=\"_blank\">jlayman@reiok.org</a>.\r\n<p align=\"center\"><b>***Third Party Origination is not allowed***</b></p>\r\n <strong>Program Highlights:</strong>\r\n\r\n<strong>Structure:</strong> 3.5% of the total loan amount in the form of a gift. The funds may be used to fund up to 100% of the Borrower\'s cash requirement to close, including the down payment, closing costs, pre-paid items and other related Mortgage Loan fees and expenses.  No portion of the gift funds can be paid to the Borrower unless the Borrower is being reimbursed for an overage of his/her earnest money deposit to the extent the minimum Borrower contribution has been satisfied.  Under the rate/term refinance option, any funds above the amount needed to pay the Borrower\'s loan related costs must be used to reduce the principal amount of the First Mortgage loan.\r\n\r\n<b>First Mortgage Origination Fee:  </b>Usual and customary as allowed by First Mortgage loan program.\r\n\r\n<strong>Interest rates:</strong> REI Down Payment Assistance will post First Mortgage interest rates by 9:00 a.m. C.S.T. daily on the Lender Portal at <a href=\"http://www.reigift100.org/\">www.reigift100.org</a>.  All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>15 days is 0.1875%</li>\r\n	<li>30 days is 0.375%</li>\r\n</ul>\r\n<p align=\"center\"><b>***Rates can be subject to intra-day pricing changes***</b></p>\r\n<strong>Income Limits:</strong> FHA, VA, &amp; HUD 184 - The Borrower\'s <strong>qualifying </strong>income must not exceed Program Income Limits.  Click on Area Median Income below to view income limits.  They can also be found in the Lender Portal at <a href=\"http://www.reigift100.org/\" target=\"_blank\">www.reigift100.org</a>.\r\n\r\nRural Development Loans - Income is based on Adjusted Household Income per Rural Development\'s Guidelines.  Income limits can be found by <a href=\"http://www.rurdev.usda.gov/SupportDocuments/OK%20GRH.pdf\" target=\"_blank\">clicking here</a>.\r\n\r\n<b>***Lenders will be responsible for ensuring that the income meets program guidelines.***</b>\r\n\r\n<strong>Credit Score:</strong> Minimum credit score of 640.\r\n\r\n<strong>Maximum DTI:</strong> 45%\r\n\r\n<strong>First Time Home Buyer:</strong> No first-time home buyer requirement.\r\n\r\n<strong>Home Buyer Education:</strong> Recommended but not required.\r\n\r\n<strong>Lender Compensation, Fees, and Purchase:</strong> Please review the Program Summary and Program Guidelines below for compensation, loan fees, and purchase requirements.  These documents can also be found on the Lender Portal at <a href=\"http://www.reigift100.org/\" target=\"_blank\">www.reigift100.org</a>.\r\n\r\n<strong>Forms:</strong>\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/09/REI-Gift100-Program-Summary-14-09-05.pdf\" target=\"_blank\">REI Gift100 Program Summary</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/04/2014-Area-Median-Incomes-Gift-100-Program.pdf\" target=\"_blank\">2014 Area Median Income - Gift100 Program</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/04/REI-Gift100-Guidelines.pdf\" target=\"_blank\">REI Gift100 Guidelines</a></li>\r\n	<li><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a></li>\r\n</ul>\r\n<strong>US Bank Forms &amp; Bulletins:</strong>\r\n<ul>\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/05/USB-002-DPA-Form.pdf\" target=\"_blank\">Down Payment Assistance Form</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/05/MRBP-Government-Loan-Delivery-Checklist-pg-1.pdf\" target=\"_blank\">Delivery Checklist Form</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/05/MRB-Funding-Fee-Increase-2014-37.pdf\" target=\"_blank\">Funding Fee Increase Bulletin 2014-37</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/05/Loan-Review-Process-Reminders-2014-26.pdf\" target=\"_blank\">Loan Review Process Bulletin 2014-26</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/06/MRBP-Compliance-Audit-Reminders-2014-40.pdf\" target=\"_blank\">MRBP Compliance Audit Reminder 2014-40</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/06/MRBP_Compliance_Reminders-2014-39.pdf\" target=\"_blank\">MRBP Compliance Reminders 2014-39</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/07/MRBP-Flood-Insurance-Requirements-2014-41.pdf\" target=\"_blank\">MRBP Flood Insurance Requirements 2014-41</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/07/MRBP-Dodd-Frank-Reminders-2014-42.pdf\" target=\"_blank\">MRBP Dodd-Frank Reminders 2014-42</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/07/NMLS-Requirement-Bulletin-2014-43.pdf\" target=\"_blank\">NMLS Requirement Bulletin 2014-43</a></li>\r\n</ul>\r\n</ul>', 'REI Gift100 Program', '', 'inherit', 'open', 'open', '', '431-revision-v1', '', '', '2014-09-05 16:29:30', '2014-09-05 16:29:30', '', 431, 'http://reidownpayment.org/431-revision-v1/', 0, 'revision', '', 0),
(621, 2, '2014-09-05 19:06:46', '2014-09-05 19:06:46', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated September 5, 2014 at 2:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n\r\n• 15 days is 0.1875%\r\n• 30 days is 0.375%\r\n\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2014-09-05 19:06:46', '2014-09-05 19:06:46', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(622, 2, '2014-09-05 19:06:58', '2014-09-05 19:06:58', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated September 5, 2014 at 2:00 p.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n\r\n• 15 days is 0.1875%\r\n• 30 days is 0.375%\r\n\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2014-09-05 19:06:58', '2014-09-05 19:06:58', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(624, 2, '2014-09-08 13:56:36', '2014-09-08 13:56:36', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated September 8, 2014 at 9:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n\r\n• 15 days is 0.1875%\r\n• 30 days is 0.375%\r\n\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2014-09-08 13:56:36', '2014-09-08 13:56:36', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(625, 2, '2014-09-09 13:53:19', '2014-09-09 13:53:19', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated September 9, 2014 at 9:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n\r\n• 15 days is 0.1875%\r\n• 30 days is 0.375%\r\n\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2014-09-09 13:53:19', '2014-09-09 13:53:19', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(626, 2, '2014-09-10 13:53:06', '2014-09-10 13:53:06', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated September 10, 2014 at 9:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n\r\n• 15 days is 0.1875%\r\n• 30 days is 0.375%\r\n\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2014-09-10 13:53:06', '2014-09-10 13:53:06', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(627, 2, '2014-09-11 14:05:30', '2014-09-11 14:05:30', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated September 11, 2014 at 9:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n\r\n• 15 days is 0.1875%\r\n• 30 days is 0.375%\r\n\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2014-09-11 14:05:30', '2014-09-11 14:05:30', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(628, 2, '2014-09-12 14:17:54', '2014-09-12 14:17:54', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated September 12, 2014 at 9:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n\r\n• 15 days is 0.1875%\r\n• 30 days is 0.375%\r\n\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2014-09-12 14:17:54', '2014-09-12 14:17:54', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(629, 2, '2014-09-15 13:55:18', '2014-09-15 13:55:18', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated September 15, 2014 at 9:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n\r\n• 15 days is 0.1875%\r\n• 30 days is 0.375%\r\n\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2014-09-15 13:55:18', '2014-09-15 13:55:18', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(631, 2, '2014-09-16 13:55:14', '2014-09-16 13:55:14', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated September 16, 2014 at 9:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n\r\n• 15 days is 0.1875%\r\n• 30 days is 0.375%\r\n\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2014-09-16 13:55:14', '2014-09-16 13:55:14', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(632, 2, '2014-09-17 13:53:36', '2014-09-17 13:53:36', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated September 17, 2014 at 9:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n\r\n• 15 days is 0.1875%\r\n• 30 days is 0.375%\r\n\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2014-09-17 13:53:36', '2014-09-17 13:53:36', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(633, 2, '2014-09-18 13:54:52', '2014-09-18 13:54:52', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated September 18, 2014 at 9:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n\r\n• 15 days is 0.1875%\r\n• 30 days is 0.375%\r\n\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2014-09-18 13:54:52', '2014-09-18 13:54:52', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(634, 2, '2014-09-19 13:54:02', '2014-09-19 13:54:02', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated September 19, 2014 at 9:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n\r\n• 15 days is 0.1875%\r\n• 30 days is 0.375%\r\n\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2014-09-19 13:54:02', '2014-09-19 13:54:02', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(635, 2, '2014-09-22 13:55:49', '2014-09-22 13:55:49', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated September 22, 2014 at 9:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n\r\n• 15 days is 0.1875%\r\n• 30 days is 0.375%\r\n\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2014-09-22 13:55:49', '2014-09-22 13:55:49', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(636, 2, '2014-09-23 14:00:58', '2014-09-23 14:00:58', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated September 23, 2014 at 9:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n\r\n• 15 days is 0.1875%\r\n• 30 days is 0.375%\r\n\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2014-09-23 14:00:58', '2014-09-23 14:00:58', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(638, 2, '2014-09-24 14:18:34', '2014-09-24 14:18:34', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated September 24, 2014 at 9:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n\r\n• 15 days is 0.1875%\r\n• 30 days is 0.375%\r\n\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2014-09-24 14:18:34', '2014-09-24 14:18:34', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(639, 2, '2014-09-25 14:02:06', '2014-09-25 14:02:06', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated September 25, 2014 at 9:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n\r\n• 15 days is 0.1875%\r\n• 30 days is 0.375%\r\n\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2014-09-25 14:02:06', '2014-09-25 14:02:06', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(640, 2, '2014-09-26 13:58:56', '2014-09-26 13:58:56', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated September 26, 2014 at 9:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n\r\n• 15 days is 0.1875%\r\n• 30 days is 0.375%\r\n\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2014-09-26 13:58:56', '2014-09-26 13:58:56', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(641, 2, '2014-09-29 15:08:33', '2014-09-29 15:08:33', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated September 29, 2014 at 9:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n\r\n• 15 days is 0.1875%\r\n• 30 days is 0.375%\r\n\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2014-09-29 15:08:33', '2014-09-29 15:08:33', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(642, 2, '2014-09-30 13:56:02', '2014-09-30 13:56:02', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated September 30, 2014 at 9:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n\r\n• 15 days is 0.1875%\r\n• 30 days is 0.375%\r\n\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2014-09-30 13:56:02', '2014-09-30 13:56:02', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(643, 2, '2014-09-30 15:10:28', '2014-09-30 15:10:28', '', 'Revised Communications Bulletin  2014-48', '', 'inherit', 'open', 'open', '', 'revised-communications-bulletin-2014-48', '', '', '2014-09-30 15:10:28', '2014-09-30 15:10:28', '', 0, 'http://reidownpayment.org/wp/wp-content/uploads/2014/09/Revised-Communications-Bulletin-2014-48.pdf', 0, 'attachment', 'application/pdf', 0);
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(644, 2, '2014-09-30 15:11:36', '2014-09-30 15:11:36', '<b>REI GIFT100 PROGRAM</b>\r\n\r\nREI Down Payment Assistance invests in Oklahoma’s future by providing housing opportunities to low income individuals and families.  The new statewide REI Gift100 Program provides a competitive first mortgage and down payment and closing cost assistance to eligible mortgagors. The down payment is in the form of a gift, second liens or deed restrictions are not required for this program.\r\n\r\nThe program includes the following loan types:\r\n<ul>\r\n	<li>FHA – 203(b), 234(c) &amp; 203ks (lenders must have an additional approval from U.S. Bank to originate 203ks loans) – 30 year fixed rate</li>\r\n	<li>VA – 203(b) &amp; 234(c) – 30 year fixed rate</li>\r\n	<li>Rural Housing Guaranteed Loan – 30 year fixed rate</li>\r\n	<li>HUD Section 184 – 30 year fixed rate</li>\r\n</ul>\r\nRate/term refinance on any of the above loan products.<strong>\r\n</strong>\r\n\r\n<strong>Lenders:</strong> Lenders must be approved by U.S. Bank to participate in the REI Gift100 Program.  Interested lenders should contact U.S. Bank Help desk at 1-800-562-5165 or <a href=\"mailto:mrbp.helpdesk@usbank.com\" target=\"_blank\">mrbp.helpdesk@usbank.com</a>.  You can also contact Dena Sherrill, Housing Program Manager, REI Down Payment Assistance at 1-800-658-2823 or <a href=\"mailto:dsherrill@reiok.org\" target=\"_blank\">dsherrill@reiok.org</a> or Jeremy Layman, Housing Program Specialist at <a href=\"mailto:jlayman@reiok.org\" target=\"_blank\">jlayman@reiok.org</a>.\r\n<p align=\"center\"><b>***Third Party Origination is not allowed***</b></p>\r\n <strong>Program Highlights:</strong>\r\n\r\n<strong>Structure:</strong> 3.5% of the total loan amount in the form of a gift. The funds may be used to fund up to 100% of the Borrower\'s cash requirement to close, including the down payment, closing costs, pre-paid items and other related Mortgage Loan fees and expenses.  No portion of the gift funds can be paid to the Borrower unless the Borrower is being reimbursed for an overage of his/her earnest money deposit to the extent the minimum Borrower contribution has been satisfied.  Under the rate/term refinance option, any funds above the amount needed to pay the Borrower\'s loan related costs must be used to reduce the principal amount of the First Mortgage loan.\r\n\r\n<b>First Mortgage Origination Fee:  </b>Usual and customary as allowed by First Mortgage loan program.\r\n\r\n<strong>Interest rates:</strong> REI Down Payment Assistance will post First Mortgage interest rates by 9:00 a.m. C.S.T. daily on the Lender Portal at <a href=\"http://www.reigift100.org/\">www.reigift100.org</a>.  All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>15 days is 0.1875%</li>\r\n	<li>30 days is 0.375%</li>\r\n</ul>\r\n<p align=\"center\"><b>***Rates can be subject to intra-day pricing changes***</b></p>\r\n<strong>Income Limits:</strong> FHA, VA, &amp; HUD 184 - The Borrower\'s <strong>qualifying </strong>income must not exceed Program Income Limits.  Click on Area Median Income below to view income limits.  They can also be found in the Lender Portal at <a href=\"http://www.reigift100.org/\" target=\"_blank\">www.reigift100.org</a>.\r\n\r\nRural Development Loans - Income is based on Adjusted Household Income per Rural Development\'s Guidelines.  Income limits can be found by <a href=\"http://www.rurdev.usda.gov/SupportDocuments/OK%20GRH.pdf\" target=\"_blank\">clicking here</a>.\r\n\r\n<b>***Lenders will be responsible for ensuring that the income meets program guidelines.***</b>\r\n\r\n<strong>Credit Score:</strong> Minimum credit score of 640.\r\n\r\n<strong>Maximum DTI:</strong> 45%\r\n\r\n<strong>First Time Home Buyer:</strong> No first-time home buyer requirement.\r\n\r\n<strong>Home Buyer Education:</strong> Recommended but not required.\r\n\r\n<strong>Lender Compensation, Fees, and Purchase:</strong> Please review the Program Summary and Program Guidelines below for compensation, loan fees, and purchase requirements.  These documents can also be found on the Lender Portal at <a href=\"http://www.reigift100.org/\" target=\"_blank\">www.reigift100.org</a>.\r\n\r\n<strong>Forms:</strong>\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/09/REI-Gift100-Program-Summary-14-09-05.pdf\" target=\"_blank\">REI Gift100 Program Summary</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/04/2014-Area-Median-Incomes-Gift-100-Program.pdf\" target=\"_blank\">2014 Area Median Income - Gift100 Program</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/04/REI-Gift100-Guidelines.pdf\" target=\"_blank\">REI Gift100 Guidelines</a></li>\r\n	<li><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a></li>\r\n</ul>\r\n<strong>US Bank Forms &amp; Bulletins:</strong>\r\n<ul>\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/05/USB-002-DPA-Form.pdf\" target=\"_blank\">Down Payment Assistance Form</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/05/MRBP-Government-Loan-Delivery-Checklist-pg-1.pdf\" target=\"_blank\">Delivery Checklist Form</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/05/MRB-Funding-Fee-Increase-2014-37.pdf\" target=\"_blank\">Funding Fee Increase Bulletin 2014-37</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/05/Loan-Review-Process-Reminders-2014-26.pdf\" target=\"_blank\">Loan Review Process Bulletin 2014-26</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/06/MRBP-Compliance-Audit-Reminders-2014-40.pdf\" target=\"_blank\">MRBP Compliance Audit Reminder 2014-40</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/06/MRBP_Compliance_Reminders-2014-39.pdf\" target=\"_blank\">MRBP Compliance Reminders 2014-39</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/07/MRBP-Flood-Insurance-Requirements-2014-41.pdf\" target=\"_blank\">MRBP Flood Insurance Requirements 2014-41</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/07/MRBP-Dodd-Frank-Reminders-2014-42.pdf\" target=\"_blank\">MRBP Dodd-Frank Reminders 2014-42</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/07/NMLS-Requirement-Bulletin-2014-43.pdf\" target=\"_blank\">NMLS Requirement Bulletin 2014-43</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/09/Revised-Communications-Bulletin-2014-48.pdf\" target=\"_blank\"><span class=\"title\">Revised Communications Bulletin 2014-48</span></a></li>\r\n</ul>\r\n</ul>', 'REI Gift100 Program', '', 'inherit', 'open', 'open', '', '431-revision-v1', '', '', '2014-09-30 15:11:36', '2014-09-30 15:11:36', '', 431, 'http://reidownpayment.org/431-revision-v1/', 0, 'revision', '', 0),
(645, 2, '2014-10-01 14:51:08', '2014-10-01 14:51:08', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated October 1, 2014 at 9:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n\r\n• 15 days is 0.1875%\r\n• 30 days is 0.375%\r\n\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2014-10-01 14:51:08', '2014-10-01 14:51:08', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(647, 2, '2014-10-02 14:05:27', '2014-10-02 14:05:27', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated October 2, 2014 at 9:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n\r\n• 15 days is 0.1875%\r\n• 30 days is 0.375%\r\n\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2014-10-02 14:05:27', '2014-10-02 14:05:27', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(648, 2, '2014-10-03 13:58:48', '2014-10-03 13:58:48', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated October 3, 2014 at 9:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n\r\n• 15 days is 0.1875%\r\n• 30 days is 0.375%\r\n\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2014-10-03 13:58:48', '2014-10-03 13:58:48', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(649, 2, '2014-10-06 14:03:31', '2014-10-06 14:03:31', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated October 6, 2014 at 9:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n\r\n• 15 days is 0.1875%\r\n• 30 days is 0.375%\r\n\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2014-10-06 14:03:31', '2014-10-06 14:03:31', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(650, 2, '2014-10-06 16:30:37', '2014-10-06 16:30:37', '<b>REI GIFT100 PROGRAM</b>\r\n\r\nREI Down Payment Assistance invests in Oklahoma’s future by providing housing opportunities to low income individuals and families.  The new statewide REI Gift100 Program provides a competitive first mortgage and down payment and closing cost assistance to eligible mortgagors. The down payment is in the form of a gift, second liens or deed restrictions are not required for this program.\r\n\r\nThe program includes the following loan types:\r\n<ul>\r\n	<li>FHA – 203(b), 234(c) &amp; 203ks (lenders must have an additional approval from U.S. Bank to originate 203ks loans) – 30 year fixed rate</li>\r\n	<li>VA – 203(b) &amp; 234(c) – 30 year fixed rate</li>\r\n	<li>Rural Housing Guaranteed Loan – 30 year fixed rate</li>\r\n	<li>HUD Section 184 – 30 year fixed rate</li>\r\n</ul>\r\nRate/term refinance on any of the above loan products.<strong>\r\n</strong>\r\n\r\n<strong>Lenders:</strong> Lenders must be approved by U.S. Bank to participate in the REI Gift100 Program.  Interested lenders should contact U.S. Bank Help desk at 1-800-562-5165 or <a href=\"mailto:mrbp.helpdesk@usbank.com\" target=\"_blank\">mrbp.helpdesk@usbank.com</a>.  You can also contact Dena Sherrill, Housing Program Manager, REI Down Payment Assistance at 1-800-658-2823 or <a href=\"mailto:dsherrill@reiok.org\" target=\"_blank\">dsherrill@reiok.org</a> or Jeremy Layman, Housing Program Specialist at <a href=\"mailto:jlayman@reiok.org\" target=\"_blank\">jlayman@reiok.org</a>.\r\n<p align=\"center\"><b>***Third Party Origination is not allowed***</b></p>\r\n <strong>Program Highlights:</strong>\r\n\r\n<strong>Structure:</strong> 3.5% of the total loan amount in the form of a gift. The funds may be used to fund up to 100% of the Borrower\'s cash requirement to close, including the down payment, closing costs, pre-paid items and other related Mortgage Loan fees and expenses.  No portion of the gift funds can be paid to the Borrower unless the Borrower is being reimbursed for an overage of his/her earnest money deposit to the extent the minimum Borrower contribution has been satisfied.  Under the rate/term refinance option, any funds above the amount needed to pay the Borrower\'s loan related costs must be used to reduce the principal amount of the First Mortgage loan.\r\n\r\n<b>First Mortgage Origination Fee:  </b>Usual and customary as allowed by First Mortgage loan program.\r\n\r\n<strong>Interest rates:</strong> REI Down Payment Assistance will post First Mortgage interest rates by 9:00 a.m. C.S.T. daily on the Lender Portal at <a href=\"http://www.reigift100.org/\">www.reigift100.org</a>.  All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\n&nbsp;\r\n<p align=\"center\"><b>***Rates can be subject to intra-day pricing changes***</b></p>\r\n<strong>Income Limits:</strong> FHA, VA, &amp; HUD 184 - The Borrower\'s <strong>qualifying </strong>income must not exceed Program Income Limits.  Click on Area Median Income below to view income limits.  They can also be found in the Lender Portal at <a href=\"http://www.reigift100.org/\" target=\"_blank\">www.reigift100.org</a>.\r\n\r\nRural Development Loans - Income is based on Adjusted Household Income per Rural Development\'s Guidelines.  Income limits can be found by <a href=\"http://www.rurdev.usda.gov/SupportDocuments/OK%20GRH.pdf\" target=\"_blank\">clicking here</a>.\r\n\r\n<b>***Lenders will be responsible for ensuring that the income meets program guidelines.***</b>\r\n\r\n<strong>Credit Score:</strong> Minimum credit score of 640.\r\n\r\n<strong>Maximum DTI:</strong> 45%\r\n\r\n<strong>First Time Home Buyer:</strong> No first-time home buyer requirement.\r\n\r\n<strong>Home Buyer Education:</strong> Recommended but not required.\r\n\r\n<strong>Lender Compensation, Fees, and Purchase:</strong> Please review the Program Summary and Program Guidelines below for compensation, loan fees, and purchase requirements.  These documents can also be found on the Lender Portal at <a href=\"http://www.reigift100.org/\" target=\"_blank\">www.reigift100.org</a>.\r\n\r\n<strong>Forms:</strong>\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/09/REI-Gift100-Program-Summary-14-09-05.pdf\" target=\"_blank\">REI Gift100 Program Summary</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/04/2014-Area-Median-Incomes-Gift-100-Program.pdf\" target=\"_blank\">2014 Area Median Income - Gift100 Program</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/04/REI-Gift100-Guidelines.pdf\" target=\"_blank\">REI Gift100 Guidelines</a></li>\r\n	<li><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a></li>\r\n</ul>\r\n<strong>US Bank Forms &amp; Bulletins:</strong>\r\n<ul>\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/05/USB-002-DPA-Form.pdf\" target=\"_blank\">Down Payment Assistance Form</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/05/MRBP-Government-Loan-Delivery-Checklist-pg-1.pdf\" target=\"_blank\">Delivery Checklist Form</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/05/MRB-Funding-Fee-Increase-2014-37.pdf\" target=\"_blank\">Funding Fee Increase Bulletin 2014-37</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/05/Loan-Review-Process-Reminders-2014-26.pdf\" target=\"_blank\">Loan Review Process Bulletin 2014-26</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/06/MRBP-Compliance-Audit-Reminders-2014-40.pdf\" target=\"_blank\">MRBP Compliance Audit Reminder 2014-40</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/06/MRBP_Compliance_Reminders-2014-39.pdf\" target=\"_blank\">MRBP Compliance Reminders 2014-39</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/07/MRBP-Flood-Insurance-Requirements-2014-41.pdf\" target=\"_blank\">MRBP Flood Insurance Requirements 2014-41</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/07/MRBP-Dodd-Frank-Reminders-2014-42.pdf\" target=\"_blank\">MRBP Dodd-Frank Reminders 2014-42</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/07/NMLS-Requirement-Bulletin-2014-43.pdf\" target=\"_blank\">NMLS Requirement Bulletin 2014-43</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/09/Revised-Communications-Bulletin-2014-48.pdf\" target=\"_blank\"><span class=\"title\">Revised Communications Bulletin 2014-48</span></a></li>\r\n</ul>\r\n</ul>', 'REI Gift100 Program', '', 'inherit', 'open', 'open', '', '431-revision-v1', '', '', '2014-10-06 16:30:37', '2014-10-06 16:30:37', '', 431, 'http://reidownpayment.org/431-revision-v1/', 0, 'revision', '', 0),
(651, 2, '2014-10-07 14:04:28', '2014-10-07 14:04:28', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated October 7, 2014 at 9:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n\r\n• 15 days is 0.1875%\r\n• 30 days is 0.375%\r\n\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2014-10-07 14:04:28', '2014-10-07 14:04:28', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(652, 2, '2014-10-08 13:51:08', '2014-10-08 13:51:08', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated October 8, 2014 at 9:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n\r\n• 15 days is 0.1875%\r\n• 30 days is 0.375%\r\n\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2014-10-08 13:51:08', '2014-10-08 13:51:08', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(653, 2, '2014-10-09 13:58:47', '2014-10-09 13:58:47', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated October 9, 2014 at 9:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n\r\n• 15 days is 0.1875%\r\n• 30 days is 0.375%\r\n\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2014-10-09 13:58:47', '2014-10-09 13:58:47', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(654, 2, '2014-10-09 15:47:45', '2014-10-09 15:47:45', '', 'USDA Annual Fee Change 2014-50', '', 'inherit', 'open', 'open', '', 'usda-annual-fee-change-2014-50', '', '', '2014-10-09 15:47:45', '2014-10-09 15:47:45', '', 0, 'http://reidownpayment.org/wp/wp-content/uploads/2014/10/USDA-Annual-Fee-Change-2014-50.pdf', 0, 'attachment', 'application/pdf', 0),
(655, 2, '2014-10-09 15:48:35', '2014-10-09 15:48:35', '<b>REI GIFT100 PROGRAM</b>\r\n\r\nREI Down Payment Assistance invests in Oklahoma’s future by providing housing opportunities to low income individuals and families.  The new statewide REI Gift100 Program provides a competitive first mortgage and down payment and closing cost assistance to eligible mortgagors. The down payment is in the form of a gift, second liens or deed restrictions are not required for this program.\r\n\r\nThe program includes the following loan types:\r\n<ul>\r\n	<li>FHA – 203(b), 234(c) &amp; 203ks (lenders must have an additional approval from U.S. Bank to originate 203ks loans) – 30 year fixed rate</li>\r\n	<li>VA – 203(b) &amp; 234(c) – 30 year fixed rate</li>\r\n	<li>Rural Housing Guaranteed Loan – 30 year fixed rate</li>\r\n	<li>HUD Section 184 – 30 year fixed rate</li>\r\n</ul>\r\nRate/term refinance on any of the above loan products.<strong>\r\n</strong>\r\n\r\n<strong>Lenders:</strong> Lenders must be approved by U.S. Bank to participate in the REI Gift100 Program.  Interested lenders should contact U.S. Bank Help desk at 1-800-562-5165 or <a href=\"mailto:mrbp.helpdesk@usbank.com\" target=\"_blank\">mrbp.helpdesk@usbank.com</a>.  You can also contact Dena Sherrill, Housing Program Manager, REI Down Payment Assistance at 1-800-658-2823 or <a href=\"mailto:dsherrill@reiok.org\" target=\"_blank\">dsherrill@reiok.org</a> or Jeremy Layman, Housing Program Specialist at <a href=\"mailto:jlayman@reiok.org\" target=\"_blank\">jlayman@reiok.org</a>.\r\n<p align=\"center\"><b>***Third Party Origination is not allowed***</b></p>\r\n <strong>Program Highlights:</strong>\r\n\r\n<strong>Structure:</strong> 3.5% of the total loan amount in the form of a gift. The funds may be used to fund up to 100% of the Borrower\'s cash requirement to close, including the down payment, closing costs, pre-paid items and other related Mortgage Loan fees and expenses.  No portion of the gift funds can be paid to the Borrower unless the Borrower is being reimbursed for an overage of his/her earnest money deposit to the extent the minimum Borrower contribution has been satisfied.  Under the rate/term refinance option, any funds above the amount needed to pay the Borrower\'s loan related costs must be used to reduce the principal amount of the First Mortgage loan.\r\n\r\n<b>First Mortgage Origination Fee:  </b>Usual and customary as allowed by First Mortgage loan program.\r\n\r\n<strong>Interest rates:</strong> REI Down Payment Assistance will post First Mortgage interest rates by 9:00 a.m. C.S.T. daily on the Lender Portal at <a href=\"http://www.reigift100.org/\">www.reigift100.org</a>.  All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\n&nbsp;\r\n<p align=\"center\"><b>***Rates can be subject to intra-day pricing changes***</b></p>\r\n<strong>Income Limits:</strong> FHA, VA, &amp; HUD 184 - The Borrower\'s <strong>qualifying </strong>income must not exceed Program Income Limits.  Click on Area Median Income below to view income limits.  They can also be found in the Lender Portal at <a href=\"http://www.reigift100.org/\" target=\"_blank\">www.reigift100.org</a>.\r\n\r\nRural Development Loans - Income is based on Adjusted Household Income per Rural Development\'s Guidelines.  Income limits can be found by <a href=\"http://www.rurdev.usda.gov/SupportDocuments/OK%20GRH.pdf\" target=\"_blank\">clicking here</a>.\r\n\r\n<b>***Lenders will be responsible for ensuring that the income meets program guidelines.***</b>\r\n\r\n<strong>Credit Score:</strong> Minimum credit score of 640.\r\n\r\n<strong>Maximum DTI:</strong> 45%\r\n\r\n<strong>First Time Home Buyer:</strong> No first-time home buyer requirement.\r\n\r\n<strong>Home Buyer Education:</strong> Recommended but not required.\r\n\r\n<strong>Lender Compensation, Fees, and Purchase:</strong> Please review the Program Summary and Program Guidelines below for compensation, loan fees, and purchase requirements.  These documents can also be found on the Lender Portal at <a href=\"http://www.reigift100.org/\" target=\"_blank\">www.reigift100.org</a>.\r\n\r\n<strong>Forms:</strong>\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/09/REI-Gift100-Program-Summary-14-09-05.pdf\" target=\"_blank\">REI Gift100 Program Summary</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/04/2014-Area-Median-Incomes-Gift-100-Program.pdf\" target=\"_blank\">2014 Area Median Income - Gift100 Program</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/04/REI-Gift100-Guidelines.pdf\" target=\"_blank\">REI Gift100 Guidelines</a></li>\r\n	<li><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a></li>\r\n</ul>\r\n<strong>US Bank Forms &amp; Bulletins:</strong>\r\n<ul>\r\n<ul>\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/05/USB-002-DPA-Form.pdf\" target=\"_blank\">Down Payment Assistance Form</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/05/MRBP-Government-Loan-Delivery-Checklist-pg-1.pdf\" target=\"_blank\">Delivery Checklist Form</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/05/MRB-Funding-Fee-Increase-2014-37.pdf\" target=\"_blank\">Funding Fee Increase Bulletin 2014-37</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/05/Loan-Review-Process-Reminders-2014-26.pdf\" target=\"_blank\">Loan Review Process Bulletin 2014-26</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/06/MRBP-Compliance-Audit-Reminders-2014-40.pdf\" target=\"_blank\">MRBP Compliance Audit Reminder 2014-40</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/06/MRBP_Compliance_Reminders-2014-39.pdf\" target=\"_blank\">MRBP Compliance Reminders 2014-39</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/07/MRBP-Flood-Insurance-Requirements-2014-41.pdf\" target=\"_blank\">MRBP Flood Insurance Requirements 2014-41</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/07/MRBP-Dodd-Frank-Reminders-2014-42.pdf\" target=\"_blank\">MRBP Dodd-Frank Reminders 2014-42</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/07/NMLS-Requirement-Bulletin-2014-43.pdf\" target=\"_blank\">NMLS Requirement Bulletin 2014-43</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/09/Revised-Communications-Bulletin-2014-48.pdf\" target=\"_blank\"><span class=\"title\">Revised Communications Bulletin 2014-48</span></a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/10/USDA-Annual-Fee-Change-2014-50.pdf\" target=\"_blank\">USDA Annual Fee Change 2014-50</a></li>\r\n</ul>\r\n</ul>\r\n</ul>', 'REI Gift100 Program', '', 'inherit', 'open', 'open', '', '431-revision-v1', '', '', '2014-10-09 15:48:35', '2014-10-09 15:48:35', '', 431, 'http://reidownpayment.org/431-revision-v1/', 0, 'revision', '', 0),
(657, 2, '2014-10-10 14:05:10', '2014-10-10 14:05:10', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated October 10, 2014 at 9:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n\r\n• 15 days is 0.1875%\r\n• 30 days is 0.375%\r\n\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2014-10-10 14:05:10', '2014-10-10 14:05:10', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(658, 2, '2014-10-13 13:56:32', '2014-10-13 13:56:32', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated October 13, 2014 at 9:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n\r\n• 15 days is 0.1875%\r\n• 30 days is 0.375%\r\n\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2014-10-13 13:56:32', '2014-10-13 13:56:32', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(659, 2, '2014-10-14 14:02:31', '2014-10-14 14:02:31', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated October 14, 2014 at 9:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n\r\n• 15 days is 0.1875%\r\n• 30 days is 0.375%\r\n\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2014-10-14 14:02:31', '2014-10-14 14:02:31', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(660, 2, '2014-10-14 19:53:40', '2014-10-14 19:53:40', '', 'REI Gift100 Program Summary 14 10 15', '', 'inherit', 'open', 'open', '', 'rei-gift100-program-summary-14-10-15', '', '', '2014-10-14 19:53:40', '2014-10-14 19:53:40', '', 0, 'http://reidownpayment.org/wp/wp-content/uploads/2014/10/REI-Gift100-Program-Summary-14-10-15.pdf', 0, 'attachment', 'application/pdf', 0),
(661, 2, '2014-10-14 19:54:06', '2014-10-14 19:54:06', '<b>REI GIFT100 PROGRAM</b>\r\n\r\nREI Down Payment Assistance invests in Oklahoma’s future by providing housing opportunities to low income individuals and families.  The new statewide REI Gift100 Program provides a competitive first mortgage and down payment and closing cost assistance to eligible mortgagors. The down payment is in the form of a gift, second liens or deed restrictions are not required for this program.\r\n\r\nThe program includes the following loan types:\r\n<ul>\r\n	<li>FHA – 203(b), 234(c) &amp; 203ks (lenders must have an additional approval from U.S. Bank to originate 203ks loans) – 30 year fixed rate</li>\r\n	<li>VA – 203(b) &amp; 234(c) – 30 year fixed rate</li>\r\n	<li>Rural Housing Guaranteed Loan – 30 year fixed rate</li>\r\n	<li>HUD Section 184 – 30 year fixed rate</li>\r\n</ul>\r\nRate/term refinance on any of the above loan products.<strong>\r\n</strong>\r\n\r\n<strong>Lenders:</strong> Lenders must be approved by U.S. Bank to participate in the REI Gift100 Program.  Interested lenders should contact U.S. Bank Help desk at 1-800-562-5165 or <a href=\"mailto:mrbp.helpdesk@usbank.com\" target=\"_blank\">mrbp.helpdesk@usbank.com</a>.  You can also contact Dena Sherrill, Housing Program Manager, REI Down Payment Assistance at 1-800-658-2823 or <a href=\"mailto:dsherrill@reiok.org\" target=\"_blank\">dsherrill@reiok.org</a> or Jeremy Layman, Housing Program Specialist at <a href=\"mailto:jlayman@reiok.org\" target=\"_blank\">jlayman@reiok.org</a>.\r\n<p align=\"center\"><b>***Third Party Origination is not allowed***</b></p>\r\n <strong>Program Highlights:</strong>\r\n\r\n<strong>Structure:</strong> 3.5% of the total loan amount in the form of a gift. The funds may be used to fund up to 100% of the Borrower\'s cash requirement to close, including the down payment, closing costs, pre-paid items and other related Mortgage Loan fees and expenses.  No portion of the gift funds can be paid to the Borrower unless the Borrower is being reimbursed for an overage of his/her earnest money deposit to the extent the minimum Borrower contribution has been satisfied.  Under the rate/term refinance option, any funds above the amount needed to pay the Borrower\'s loan related costs must be used to reduce the principal amount of the First Mortgage loan.\r\n\r\n<b>First Mortgage Origination Fee:  </b>Usual and customary as allowed by First Mortgage loan program.\r\n\r\n<strong>Interest rates:</strong> REI Down Payment Assistance will post First Mortgage interest rates by 9:00 a.m. C.S.T. daily on the Lender Portal at <a href=\"http://www.reigift100.org/\">www.reigift100.org</a>.  All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\n&nbsp;\r\n<p align=\"center\"><b>***Rates can be subject to intra-day pricing changes***</b></p>\r\n<strong>Income Limits:</strong> FHA, VA, &amp; HUD 184 - The Borrower\'s <strong>qualifying </strong>income must not exceed Program Income Limits.  Click on Area Median Income below to view income limits.  They can also be found in the Lender Portal at <a href=\"http://www.reigift100.org/\" target=\"_blank\">www.reigift100.org</a>.\r\n\r\nRural Development Loans - Income is based on Adjusted Household Income per Rural Development\'s Guidelines.  Income limits can be found by <a href=\"http://www.rurdev.usda.gov/SupportDocuments/OK%20GRH.pdf\" target=\"_blank\">clicking here</a>.\r\n\r\n<b>***Lenders will be responsible for ensuring that the income meets program guidelines.***</b>\r\n\r\n<strong>Credit Score:</strong> Minimum credit score of 640.\r\n\r\n<strong>Maximum DTI:</strong> 45%\r\n\r\n<strong>First Time Home Buyer:</strong> No first-time home buyer requirement.\r\n\r\n<strong>Home Buyer Education:</strong> Recommended but not required.\r\n\r\n<strong>Lender Compensation, Fees, and Purchase:</strong> Please review the Program Summary and Program Guidelines below for compensation, loan fees, and purchase requirements.  These documents can also be found on the Lender Portal at <a href=\"http://www.reigift100.org/\" target=\"_blank\">www.reigift100.org</a>.\r\n\r\n<strong>Forms:</strong>\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/10/REI-Gift100-Program-Summary-14-10-15.pdf\" target=\"_blank\">REI Gift100 Program Summary</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/04/2014-Area-Median-Incomes-Gift-100-Program.pdf\" target=\"_blank\">2014 Area Median Income - Gift100 Program</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/04/REI-Gift100-Guidelines.pdf\" target=\"_blank\">REI Gift100 Guidelines</a></li>\r\n	<li><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a></li>\r\n</ul>\r\n<strong>US Bank Forms &amp; Bulletins:</strong>\r\n<ul>\r\n<ul>\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/05/USB-002-DPA-Form.pdf\" target=\"_blank\">Down Payment Assistance Form</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/05/MRBP-Government-Loan-Delivery-Checklist-pg-1.pdf\" target=\"_blank\">Delivery Checklist Form</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/05/MRB-Funding-Fee-Increase-2014-37.pdf\" target=\"_blank\">Funding Fee Increase Bulletin 2014-37</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/05/Loan-Review-Process-Reminders-2014-26.pdf\" target=\"_blank\">Loan Review Process Bulletin 2014-26</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/06/MRBP-Compliance-Audit-Reminders-2014-40.pdf\" target=\"_blank\">MRBP Compliance Audit Reminder 2014-40</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/06/MRBP_Compliance_Reminders-2014-39.pdf\" target=\"_blank\">MRBP Compliance Reminders 2014-39</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/07/MRBP-Flood-Insurance-Requirements-2014-41.pdf\" target=\"_blank\">MRBP Flood Insurance Requirements 2014-41</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/07/MRBP-Dodd-Frank-Reminders-2014-42.pdf\" target=\"_blank\">MRBP Dodd-Frank Reminders 2014-42</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/07/NMLS-Requirement-Bulletin-2014-43.pdf\" target=\"_blank\">NMLS Requirement Bulletin 2014-43</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/09/Revised-Communications-Bulletin-2014-48.pdf\" target=\"_blank\"><span class=\"title\">Revised Communications Bulletin 2014-48</span></a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/10/USDA-Annual-Fee-Change-2014-50.pdf\" target=\"_blank\">USDA Annual Fee Change 2014-50</a></li>\r\n</ul>\r\n</ul>\r\n</ul>', 'REI Gift100 Program', '', 'inherit', 'open', 'open', '', '431-revision-v1', '', '', '2014-10-14 19:54:06', '2014-10-14 19:54:06', '', 431, 'http://reidownpayment.org/431-revision-v1/', 0, 'revision', '', 0),
(662, 2, '2014-10-15 14:55:21', '2014-10-15 14:55:21', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated October 14, 2014 at 9:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n\r\n• 15 days is 0.1875%\r\n• 30 days is 0.375%\r\n\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2014-10-15 14:55:21', '2014-10-15 14:55:21', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(663, 2, '2014-10-15 14:56:20', '2014-10-15 14:56:20', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated October 14, 2014 at 9:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2014-10-15 14:56:20', '2014-10-15 14:56:20', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(664, 2, '2014-10-15 15:30:53', '2014-10-15 15:30:53', '<b>REI GIFT100 PROGRAM</b>\r\n\r\nREI Down Payment Assistance invests in Oklahoma’s future by providing housing opportunities to low income individuals and families.  The new statewide REI Gift100 Program provides a competitive first mortgage and down payment and closing cost assistance to eligible mortgagors. The down payment is in the form of a gift, second liens or deed restrictions are not required for this program.\r\n\r\nThe program includes the following loan types:\r\n<ul>\r\n	<li>FHA – 203(b), 234(c) &amp; 203ks (lenders must have an additional approval from U.S. Bank to originate 203ks loans) – 30 year fixed rate</li>\r\n	<li>VA – 203(b) &amp; 234(c) – 30 year fixed rate</li>\r\n	<li>Rural Housing Guaranteed Loan – 30 year fixed rate</li>\r\n	<li>HUD Section 184 – 30 year fixed rate</li>\r\n</ul>\r\nRate/term refinance on any of the above loan products.<strong>\r\n</strong>\r\n\r\n<strong>Lenders:</strong> Lenders must be approved by U.S. Bank to participate in the REI Gift100 Program.  Interested lenders should contact U.S. Bank Help desk at 1-800-562-5165 or <a href=\"mailto:mrbp.helpdesk@usbank.com\" target=\"_blank\">mrbp.helpdesk@usbank.com</a>.  You can also contact Dena Sherrill, Housing Program Manager, REI Down Payment Assistance at 1-800-658-2823 or <a href=\"mailto:dsherrill@reiok.org\" target=\"_blank\">dsherrill@reiok.org</a> or Jeremy Layman, Housing Program Specialist at <a href=\"mailto:jlayman@reiok.org\" target=\"_blank\">jlayman@reiok.org</a>.\r\n<p align=\"center\"><b>***Third Party Origination is not allowed***</b></p>\r\n <strong>Program Highlights:</strong>\r\n\r\n<strong>Structure:</strong>\r\nOption 1 - gift funds of 3.5% of the total loan amount\r\nOption 2 - gift funds of 5% of the total loan amount\r\n\r\nThe funds may be used to fund up to 100% of the Borrower\'s cash requirement to close, including the down payment, closing costs, pre-paid items and other related Mortgage Loan fees and expenses.  No portion of the gift funds can be paid to the Borrower unless the Borrower is being reimbursed for an overage of his/her earnest money deposit to the extent the minimum Borrower contribution has been satisfied.  Under the rate/term refinance option, any funds above the amount needed to pay the Borrower\'s loan related costs must be used to reduce the principal amount of the First Mortgage loan.\r\n\r\n<b>First Mortgage Origination Fee:  </b>Usual and customary as allowed by First Mortgage loan program.\r\n\r\n<strong>Interest rates:</strong> REI Down Payment Assistance will post First Mortgage interest rates by 9:00 a.m. C.S.T. daily on the Lender Portal at <a href=\"http://www.reigift100.org/\">www.reigift100.org</a>.  All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\n&nbsp;\r\n<p align=\"center\"><b>***Rates can be subject to intra-day pricing changes***</b></p>\r\n<strong>Income Limits:</strong> FHA, VA, &amp; HUD 184 - The Borrower\'s <strong>qualifying </strong>income must not exceed Program Income Limits.  Click on Area Median Income below to view income limits.  They can also be found in the Lender Portal at <a href=\"http://www.reigift100.org/\" target=\"_blank\">www.reigift100.org</a>.\r\n\r\nRural Development Loans - Income is based on Adjusted Household Income per Rural Development\'s Guidelines.  Income limits can be found by <a href=\"http://www.rurdev.usda.gov/SupportDocuments/OK%20GRH.pdf\" target=\"_blank\">clicking here</a>.\r\n\r\n<b>***Lenders will be responsible for ensuring that the income meets program guidelines.***</b>\r\n\r\n<strong>Credit Score:</strong> Minimum credit score of 640.\r\n\r\n<strong>Maximum DTI:</strong> 45%\r\n\r\n<strong>First Time Home Buyer:</strong> No first-time home buyer requirement.\r\n\r\n<strong>Home Buyer Education:</strong> Recommended but not required.\r\n\r\n<strong>Lender Compensation, Fees, and Purchase:</strong> Please review the Program Summary and Program Guidelines below for compensation, loan fees, and purchase requirements.  These documents can also be found on the Lender Portal at <a href=\"http://www.reigift100.org/\" target=\"_blank\">www.reigift100.org</a>.\r\n\r\n<strong>Forms:</strong>\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/10/REI-Gift100-Program-Summary-14-10-15.pdf\" target=\"_blank\">REI Gift100 Program Summary</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/04/2014-Area-Median-Incomes-Gift-100-Program.pdf\" target=\"_blank\">2014 Area Median Income - Gift100 Program</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/04/REI-Gift100-Guidelines.pdf\" target=\"_blank\">REI Gift100 Guidelines</a></li>\r\n	<li><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a></li>\r\n</ul>\r\n<strong>US Bank Forms &amp; Bulletins:</strong>\r\n<ul>\r\n<ul>\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/05/USB-002-DPA-Form.pdf\" target=\"_blank\">Down Payment Assistance Form</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/05/MRBP-Government-Loan-Delivery-Checklist-pg-1.pdf\" target=\"_blank\">Delivery Checklist Form</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/05/MRB-Funding-Fee-Increase-2014-37.pdf\" target=\"_blank\">Funding Fee Increase Bulletin 2014-37</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/05/Loan-Review-Process-Reminders-2014-26.pdf\" target=\"_blank\">Loan Review Process Bulletin 2014-26</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/06/MRBP-Compliance-Audit-Reminders-2014-40.pdf\" target=\"_blank\">MRBP Compliance Audit Reminder 2014-40</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/06/MRBP_Compliance_Reminders-2014-39.pdf\" target=\"_blank\">MRBP Compliance Reminders 2014-39</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/07/MRBP-Flood-Insurance-Requirements-2014-41.pdf\" target=\"_blank\">MRBP Flood Insurance Requirements 2014-41</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/07/MRBP-Dodd-Frank-Reminders-2014-42.pdf\" target=\"_blank\">MRBP Dodd-Frank Reminders 2014-42</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/07/NMLS-Requirement-Bulletin-2014-43.pdf\" target=\"_blank\">NMLS Requirement Bulletin 2014-43</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/09/Revised-Communications-Bulletin-2014-48.pdf\" target=\"_blank\"><span class=\"title\">Revised Communications Bulletin 2014-48</span></a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/10/USDA-Annual-Fee-Change-2014-50.pdf\" target=\"_blank\">USDA Annual Fee Change 2014-50</a></li>\r\n</ul>\r\n</ul>\r\n</ul>', 'REI Gift100 Program', '', 'inherit', 'open', 'open', '', '431-revision-v1', '', '', '2014-10-15 15:30:53', '2014-10-15 15:30:53', '', 431, 'http://reidownpayment.org/431-revision-v1/', 0, 'revision', '', 0);
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(665, 2, '2014-10-15 15:31:45', '2014-10-15 15:31:45', '<b>REI GIFT100 PROGRAM</b>\r\n\r\nREI Down Payment Assistance invests in Oklahoma’s future by providing housing opportunities to low income individuals and families.  The new statewide REI Gift100 Program provides a competitive first mortgage and down payment and closing cost assistance to eligible mortgagors. The down payment is in the form of a gift, second liens or deed restrictions are not required for this program.\r\n\r\nThe program includes the following loan types:\r\n<ul>\r\n	<li>FHA – 203(b), 234(c) &amp; 203ks (lenders must have an additional approval from U.S. Bank to originate 203ks loans) – 30 year fixed rate</li>\r\n	<li>VA – 203(b) &amp; 234(c) – 30 year fixed rate</li>\r\n	<li>Rural Housing Guaranteed Loan – 30 year fixed rate</li>\r\n	<li>HUD Section 184 – 30 year fixed rate</li>\r\n</ul>\r\nRate/term refinance on any of the above loan products.<strong>\r\n</strong>\r\n\r\n<strong>Lenders:</strong> Lenders must be approved by U.S. Bank to participate in the REI Gift100 Program.  Interested lenders should contact U.S. Bank Help desk at 1-800-562-5165 or <a href=\"mailto:mrbp.helpdesk@usbank.com\" target=\"_blank\">mrbp.helpdesk@usbank.com</a>.  You can also contact Dena Sherrill, Housing Program Manager, REI Down Payment Assistance at 1-800-658-2823 or <a href=\"mailto:dsherrill@reiok.org\" target=\"_blank\">dsherrill@reiok.org</a> or Jeremy Layman, Housing Program Specialist at <a href=\"mailto:jlayman@reiok.org\" target=\"_blank\">jlayman@reiok.org</a>.\r\n<p align=\"center\"><b>***Third Party Origination is not allowed***</b></p>\r\n<strong>Program Highlights</strong>\r\n\r\n<strong>Structure:</strong>\r\nOption 1 - gift funds of 3.5% of the total loan amount\r\nOption 2 - gift funds of 5% of the total loan amount\r\n\r\nThe funds may be used to fund up to 100% of the Borrower\'s cash requirement to close, including the down payment, closing costs, pre-paid items and other related Mortgage Loan fees and expenses.  No portion of the gift funds can be paid to the Borrower unless the Borrower is being reimbursed for an overage of his/her earnest money deposit to the extent the minimum Borrower contribution has been satisfied.  Under the rate/term refinance option, any funds above the amount needed to pay the Borrower\'s loan related costs must be used to reduce the principal amount of the First Mortgage loan.\r\n\r\n<b>First Mortgage Origination Fee:  </b>Usual and customary as allowed by First Mortgage loan program.\r\n\r\n<strong>Interest rates:</strong> REI Down Payment Assistance will post First Mortgage interest rates by 9:00 a.m. C.S.T. daily on the Lender Portal at <a href=\"http://www.reigift100.org/\">www.reigift100.org</a>.  All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\n&nbsp;\r\n<p align=\"center\"><b>***Rates can be subject to intra-day pricing changes***</b></p>\r\n<strong>Income Limits:</strong> FHA, VA, &amp; HUD 184 - The Borrower\'s <strong>qualifying </strong>income must not exceed Program Income Limits.  Click on Area Median Income below to view income limits.  They can also be found in the Lender Portal at <a href=\"http://www.reigift100.org/\" target=\"_blank\">www.reigift100.org</a>.\r\n\r\nRural Development Loans - Income is based on Adjusted Household Income per Rural Development\'s Guidelines.  Income limits can be found by <a href=\"http://www.rurdev.usda.gov/SupportDocuments/OK%20GRH.pdf\" target=\"_blank\">clicking here</a>.\r\n\r\n<b>***Lenders will be responsible for ensuring that the income meets program guidelines.***</b>\r\n\r\n<strong>Credit Score:</strong> Minimum credit score of 640.\r\n\r\n<strong>Maximum DTI:</strong> 45%\r\n\r\n<strong>First Time Home Buyer:</strong> No first-time home buyer requirement.\r\n\r\n<strong>Home Buyer Education:</strong> Recommended but not required.\r\n\r\n<strong>Lender Compensation, Fees, and Purchase:</strong> Please review the Program Summary and Program Guidelines below for compensation, loan fees, and purchase requirements.  These documents can also be found on the Lender Portal at <a href=\"http://www.reigift100.org/\" target=\"_blank\">www.reigift100.org</a>.\r\n\r\n<strong>Forms:</strong>\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/10/REI-Gift100-Program-Summary-14-10-15.pdf\" target=\"_blank\">REI Gift100 Program Summary</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/04/2014-Area-Median-Incomes-Gift-100-Program.pdf\" target=\"_blank\">2014 Area Median Income - Gift100 Program</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/04/REI-Gift100-Guidelines.pdf\" target=\"_blank\">REI Gift100 Guidelines</a></li>\r\n	<li><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a></li>\r\n</ul>\r\n<strong>US Bank Forms &amp; Bulletins:</strong>\r\n<ul>\r\n<ul>\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/05/USB-002-DPA-Form.pdf\" target=\"_blank\">Down Payment Assistance Form</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/05/MRBP-Government-Loan-Delivery-Checklist-pg-1.pdf\" target=\"_blank\">Delivery Checklist Form</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/05/MRB-Funding-Fee-Increase-2014-37.pdf\" target=\"_blank\">Funding Fee Increase Bulletin 2014-37</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/05/Loan-Review-Process-Reminders-2014-26.pdf\" target=\"_blank\">Loan Review Process Bulletin 2014-26</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/06/MRBP-Compliance-Audit-Reminders-2014-40.pdf\" target=\"_blank\">MRBP Compliance Audit Reminder 2014-40</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/06/MRBP_Compliance_Reminders-2014-39.pdf\" target=\"_blank\">MRBP Compliance Reminders 2014-39</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/07/MRBP-Flood-Insurance-Requirements-2014-41.pdf\" target=\"_blank\">MRBP Flood Insurance Requirements 2014-41</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/07/MRBP-Dodd-Frank-Reminders-2014-42.pdf\" target=\"_blank\">MRBP Dodd-Frank Reminders 2014-42</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/07/NMLS-Requirement-Bulletin-2014-43.pdf\" target=\"_blank\">NMLS Requirement Bulletin 2014-43</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/09/Revised-Communications-Bulletin-2014-48.pdf\" target=\"_blank\"><span class=\"title\">Revised Communications Bulletin 2014-48</span></a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/10/USDA-Annual-Fee-Change-2014-50.pdf\" target=\"_blank\">USDA Annual Fee Change 2014-50</a></li>\r\n</ul>\r\n</ul>\r\n</ul>', 'REI Gift100 Program', '', 'inherit', 'open', 'open', '', '431-revision-v1', '', '', '2014-10-15 15:31:45', '2014-10-15 15:31:45', '', 431, 'http://reidownpayment.org/431-revision-v1/', 0, 'revision', '', 0),
(666, 2, '2014-10-15 15:32:10', '2014-10-15 15:32:10', '<b>REI GIFT100 PROGRAM</b>\r\n\r\nREI Down Payment Assistance invests in Oklahoma’s future by providing housing opportunities to low income individuals and families.  The new statewide REI Gift100 Program provides a competitive first mortgage and down payment and closing cost assistance to eligible mortgagors. The down payment is in the form of a gift, second liens or deed restrictions are not required for this program.\r\n\r\nThe program includes the following loan types:\r\n<ul>\r\n	<li>FHA – 203(b), 234(c) &amp; 203ks (lenders must have an additional approval from U.S. Bank to originate 203ks loans) – 30 year fixed rate</li>\r\n	<li>VA – 203(b) &amp; 234(c) – 30 year fixed rate</li>\r\n	<li>Rural Housing Guaranteed Loan – 30 year fixed rate</li>\r\n	<li>HUD Section 184 – 30 year fixed rate</li>\r\n</ul>\r\nRate/term refinance on any of the above loan products.<strong>\r\n</strong>\r\n\r\n<strong>Lenders:</strong> Lenders must be approved by U.S. Bank to participate in the REI Gift100 Program.  Interested lenders should contact U.S. Bank Help desk at 1-800-562-5165 or <a href=\"mailto:mrbp.helpdesk@usbank.com\" target=\"_blank\">mrbp.helpdesk@usbank.com</a>.  You can also contact Dena Sherrill, Housing Program Manager, REI Down Payment Assistance at 1-800-658-2823 or <a href=\"mailto:dsherrill@reiok.org\" target=\"_blank\">dsherrill@reiok.org</a> or Jeremy Layman, Housing Program Specialist at <a href=\"mailto:jlayman@reiok.org\" target=\"_blank\">jlayman@reiok.org</a>.\r\n<p align=\"center\"><b>***Third Party Origination is not allowed***</b></p>\r\n<strong>Program Highlights</strong>\r\n\r\n<strong>Structure:</strong>\r\nOption 1 - gift funds of 3.5% of the total loan amount\r\nOption 2 - gift funds of 5% of the total loan amount\r\n\r\nThe funds may be used to fund up to 100% of the Borrower\'s cash requirement to close, including the down payment, closing costs, pre-paid items and other related Mortgage Loan fees and expenses.  No portion of the gift funds can be paid to the Borrower unless the Borrower is being reimbursed for an overage of his/her earnest money deposit to the extent the minimum Borrower contribution has been satisfied.  Under the rate/term refinance option, any funds above the amount needed to pay the Borrower\'s loan related costs must be used to reduce the principal amount of the First Mortgage loan.\r\n\r\n<b>First Mortgage Origination Fee:  </b>Usual and customary as allowed by First Mortgage loan program.\r\n\r\n<strong>Interest rates:</strong> REI Down Payment Assistance will post First Mortgage interest rates by 9:00 a.m. C.S.T. daily on the Lender Portal at <a href=\"http://www.reigift100.org/\">www.reigift100.org</a>.  All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\n&nbsp;\r\n<p align=\"center\"><b>***Rates can be subject to intra-day pricing changes***</b></p>\r\n<strong>Income Limits:</strong> FHA, VA, &amp; HUD 184 - The Borrower\'s <strong>qualifying </strong>income must not exceed Program Income Limits.  Click on Area Median Income below to view income limits.  They can also be found in the Lender Portal at <a href=\"http://www.reigift100.org/\" target=\"_blank\">www.reigift100.org</a>.\r\n\r\nRural Development Loans - Income is based on Adjusted Household Income per Rural Development\'s Guidelines.  Income limits can be found by <a href=\"http://www.rurdev.usda.gov/SupportDocuments/OK%20GRH.pdf\" target=\"_blank\">clicking here</a>.\r\n\r\n<b>***Lenders will be responsible for ensuring that the income meets program guidelines.***</b>\r\n\r\n<strong>Credit Score:</strong> Minimum credit score of 640.\r\n\r\n<strong>Maximum DTI:</strong> 45%\r\n\r\n<strong>First Time Home Buyer:</strong> No first-time home buyer requirement.\r\n\r\n<strong>Home Buyer Education:</strong> Recommended but not required.\r\n\r\n<strong>Lender Compensation, Fees, and Purchase:</strong> Please review the Program Summary and Program Guidelines below for compensation, loan fees, and purchase requirements.  These documents can also be found on the Lender Portal at <a href=\"http://www.reigift100.org/\" target=\"_blank\">www.reigift100.org</a>.\r\n\r\n<strong>Forms:</strong>\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/10/REI-Gift100-Program-Summary-14-10-15.pdf\" target=\"_blank\">REI Gift100 Program Summary</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/04/2014-Area-Median-Incomes-Gift-100-Program.pdf\" target=\"_blank\">2014 Area Median Income - Gift100 Program</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/04/REI-Gift100-Guidelines.pdf\" target=\"_blank\">REI Gift100 Guidelines</a></li>\r\n	<li><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a></li>\r\n</ul>\r\n<strong>US Bank Forms &amp; Bulletins:</strong>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/05/USB-002-DPA-Form.pdf\" target=\"_blank\">Down Payment Assistance Form</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/05/MRBP-Government-Loan-Delivery-Checklist-pg-1.pdf\" target=\"_blank\">Delivery Checklist Form</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/05/MRB-Funding-Fee-Increase-2014-37.pdf\" target=\"_blank\">Funding Fee Increase Bulletin 2014-37</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/05/Loan-Review-Process-Reminders-2014-26.pdf\" target=\"_blank\">Loan Review Process Bulletin 2014-26</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/06/MRBP-Compliance-Audit-Reminders-2014-40.pdf\" target=\"_blank\">MRBP Compliance Audit Reminder 2014-40</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/06/MRBP_Compliance_Reminders-2014-39.pdf\" target=\"_blank\">MRBP Compliance Reminders 2014-39</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/07/MRBP-Flood-Insurance-Requirements-2014-41.pdf\" target=\"_blank\">MRBP Flood Insurance Requirements 2014-41</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/07/MRBP-Dodd-Frank-Reminders-2014-42.pdf\" target=\"_blank\">MRBP Dodd-Frank Reminders 2014-42</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/07/NMLS-Requirement-Bulletin-2014-43.pdf\" target=\"_blank\">NMLS Requirement Bulletin 2014-43</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/09/Revised-Communications-Bulletin-2014-48.pdf\" target=\"_blank\"><span class=\"title\">Revised Communications Bulletin 2014-48</span></a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/10/USDA-Annual-Fee-Change-2014-50.pdf\" target=\"_blank\">USDA Annual Fee Change 2014-50</a></li>\r\n</ul>\r\n</ul>\r\n</ul>', 'REI Gift100 Program', '', 'inherit', 'open', 'open', '', '431-revision-v1', '', '', '2014-10-15 15:32:10', '2014-10-15 15:32:10', '', 431, 'http://reidownpayment.org/431-revision-v1/', 0, 'revision', '', 0),
(667, 2, '2014-10-15 15:32:58', '2014-10-15 15:32:58', '<b>REI GIFT100 PROGRAM</b>\r\n\r\nREI Down Payment Assistance invests in Oklahoma’s future by providing housing opportunities to low income individuals and families.  The new statewide REI Gift100 Program provides a competitive first mortgage and down payment and closing cost assistance to eligible mortgagors. The down payment is in the form of a gift, second liens or deed restrictions are not required for this program.\r\n\r\nThe program includes the following loan types:\r\n<ul>\r\n	<li>FHA – 203(b), 234(c) &amp; 203ks (lenders must have an additional approval from U.S. Bank to originate 203ks loans) – 30 year fixed rate</li>\r\n	<li>VA – 203(b) &amp; 234(c) – 30 year fixed rate</li>\r\n	<li>Rural Housing Guaranteed Loan – 30 year fixed rate</li>\r\n	<li>HUD Section 184 – 30 year fixed rate</li>\r\n</ul>\r\nRate/term refinance on any of the above loan products.<strong>\r\n</strong>\r\n\r\n<strong>Lenders:</strong> Lenders must be approved by U.S. Bank to participate in the REI Gift100 Program.  Interested lenders should contact U.S. Bank Help desk at 1-800-562-5165 or <a href=\"mailto:mrbp.helpdesk@usbank.com\" target=\"_blank\">mrbp.helpdesk@usbank.com</a>.  You can also contact Dena Sherrill, Housing Program Manager, REI Down Payment Assistance at 1-800-658-2823 or <a href=\"mailto:dsherrill@reiok.org\" target=\"_blank\">dsherrill@reiok.org</a> or Jeremy Layman, Housing Program Specialist at <a href=\"mailto:jlayman@reiok.org\" target=\"_blank\">jlayman@reiok.org</a>.\r\n<p align=\"center\"><b>***Third Party Origination is not allowed***</b></p>\r\n<strong>Program Highlights</strong>\r\n\r\n<strong>Structure:</strong>\r\nOption 1 - gift funds of 3.5% of the total loan amount\r\nOption 2 - gift funds of 5% of the total loan amount\r\n\r\nThe funds may be used to fund up to 100% of the Borrower\'s cash requirement to close, including the down payment, closing costs, pre-paid items and other related Mortgage Loan fees and expenses.  No portion of the gift funds can be paid to the Borrower unless the Borrower is being reimbursed for an overage of his/her earnest money deposit to the extent the minimum Borrower contribution has been satisfied.  Under the rate/term refinance option, any funds above the amount needed to pay the Borrower\'s loan related costs must be used to reduce the principal amount of the First Mortgage loan.\r\n\r\n<b>First Mortgage Origination Fee:  </b>Usual and customary as allowed by First Mortgage loan program.\r\n\r\n<strong>Interest rates:</strong> REI Down Payment Assistance will post First Mortgage interest rates by 9:00 a.m. C.S.T. daily on the Lender Portal at <a href=\"http://www.reigift100.org/\">www.reigift100.org</a>.  All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\n&nbsp;\r\n<p align=\"center\"><b>***Rates can be subject to intra-day pricing changes***</b></p>\r\n<strong>Income Limits:</strong> FHA, VA, &amp; HUD 184 - The Borrower\'s <strong>qualifying </strong>income must not exceed Program Income Limits.  Click on Area Median Income below to view income limits.  They can also be found in the Lender Portal at <a href=\"http://www.reigift100.org/\" target=\"_blank\">www.reigift100.org</a>.\r\n\r\nRural Development Loans - Income is based on Adjusted Household Income per Rural Development\'s Guidelines.  Income limits can be found by <a href=\"http://www.rurdev.usda.gov/SupportDocuments/OK%20GRH.pdf\" target=\"_blank\">clicking here</a>.\r\n\r\n<b>***Lenders will be responsible for ensuring that the income meets program guidelines.***</b>\r\n\r\n<strong>Credit Score:</strong> Minimum credit score of 640.\r\n\r\n<strong>Maximum DTI:</strong> 45%\r\n\r\n<strong>First Time Home Buyer:</strong> No first-time home buyer requirement.\r\n\r\n<strong>Home Buyer Education:</strong> Recommended but not required.\r\n\r\n<strong>Lender Compensation, Fees, and Purchase:</strong> Please review the Program Summary and Program Guidelines below for compensation, loan fees, and purchase requirements.  These documents can also be found on the Lender Portal at <a href=\"http://www.reigift100.org/\" target=\"_blank\">www.reigift100.org</a>.\r\n\r\n<strong>Forms:</strong>\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/10/REI-Gift100-Program-Summary-14-10-15.pdf\" target=\"_blank\">REI Gift100 Program Summary</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/04/2014-Area-Median-Incomes-Gift-100-Program.pdf\" target=\"_blank\">2014 Area Median Income - Gift100 Program</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/04/REI-Gift100-Guidelines.pdf\" target=\"_blank\">REI Gift100 Guidelines</a></li>\r\n	<li><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a></li>\r\n</ul>\r\n<strong>US Bank Forms &amp; Bulletins:</strong>\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/05/USB-002-DPA-Form.pdf\" target=\"_blank\">Down Payment Assistance Form</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/05/MRBP-Government-Loan-Delivery-Checklist-pg-1.pdf\" target=\"_blank\">Delivery Checklist Form</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/05/MRB-Funding-Fee-Increase-2014-37.pdf\" target=\"_blank\">Funding Fee Increase Bulletin 2014-37</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/05/Loan-Review-Process-Reminders-2014-26.pdf\" target=\"_blank\">Loan Review Process Bulletin 2014-26</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/06/MRBP-Compliance-Audit-Reminders-2014-40.pdf\" target=\"_blank\">MRBP Compliance Audit Reminder 2014-40</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/06/MRBP_Compliance_Reminders-2014-39.pdf\" target=\"_blank\">MRBP Compliance Reminders 2014-39</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/07/MRBP-Flood-Insurance-Requirements-2014-41.pdf\" target=\"_blank\">MRBP Flood Insurance Requirements 2014-41</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/07/MRBP-Dodd-Frank-Reminders-2014-42.pdf\" target=\"_blank\">MRBP Dodd-Frank Reminders 2014-42</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/07/NMLS-Requirement-Bulletin-2014-43.pdf\" target=\"_blank\">NMLS Requirement Bulletin 2014-43</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/09/Revised-Communications-Bulletin-2014-48.pdf\" target=\"_blank\"><span class=\"title\">Revised Communications Bulletin 2014-48</span></a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/10/USDA-Annual-Fee-Change-2014-50.pdf\" target=\"_blank\">USDA Annual Fee Change 2014-50</a></li>\r\n</ul>', 'REI Gift100 Program', '', 'inherit', 'open', 'open', '', '431-revision-v1', '', '', '2014-10-15 15:32:58', '2014-10-15 15:32:58', '', 431, 'http://reidownpayment.org/431-revision-v1/', 0, 'revision', '', 0),
(668, 2, '2014-10-15 15:33:28', '2014-10-15 15:33:28', '<b>REI GIFT100 PROGRAM</b>\r\n\r\nREI Down Payment Assistance invests in Oklahoma’s future by providing housing opportunities to low income individuals and families.  The new statewide REI Gift100 Program provides a competitive first mortgage and down payment and closing cost assistance to eligible mortgagors. The down payment is in the form of a gift, second liens or deed restrictions are not required for this program.\r\n\r\nThe program includes the following loan types:\r\n<ul>\r\n	<li>FHA – 203(b), 234(c) &amp; 203ks (lenders must have an additional approval from U.S. Bank to originate 203ks loans) – 30 year fixed rate</li>\r\n	<li>VA – 203(b) &amp; 234(c) – 30 year fixed rate</li>\r\n	<li>Rural Housing Guaranteed Loan – 30 year fixed rate</li>\r\n	<li>HUD Section 184 – 30 year fixed rate</li>\r\n</ul>\r\nRate/term refinance on any of the above loan products.<strong>\r\n</strong>\r\n\r\n<strong>Lenders:</strong> Lenders must be approved by U.S. Bank to participate in the REI Gift100 Program.  Interested lenders should contact U.S. Bank Help desk at 1-800-562-5165 or <a href=\"mailto:mrbp.helpdesk@usbank.com\" target=\"_blank\">mrbp.helpdesk@usbank.com</a>.  You can also contact Dena Sherrill, Housing Program Manager, REI Down Payment Assistance at 1-800-658-2823 or <a href=\"mailto:dsherrill@reiok.org\" target=\"_blank\">dsherrill@reiok.org</a> or Jeremy Layman, Housing Program Specialist at <a href=\"mailto:jlayman@reiok.org\" target=\"_blank\">jlayman@reiok.org</a>.\r\n<p align=\"center\"><b>***Third Party Origination is not allowed***</b></p>\r\n<strong>Program Highlights</strong>\r\n\r\n<strong>Structure:</strong>\r\nOption 1 - gift funds of 3.5% of the total loan amount\r\nOption 2 - gift funds of 5% of the total loan amount\r\n\r\nThe funds may be used to fund up to 100% of the Borrower\'s cash requirement to close, including the down payment, closing costs, pre-paid items and other related Mortgage Loan fees and expenses.  No portion of the gift funds can be paid to the Borrower unless the Borrower is being reimbursed for an overage of his/her earnest money deposit to the extent the minimum Borrower contribution has been satisfied.  Under the rate/term refinance option, any funds above the amount needed to pay the Borrower\'s loan related costs must be used to reduce the principal amount of the First Mortgage loan.\r\n\r\n<b>First Mortgage Origination Fee:  </b>Usual and customary as allowed by First Mortgage loan program.\r\n\r\n<strong>Interest rates:</strong> REI Down Payment Assistance will post First Mortgage interest rates by 9:00 a.m. C.S.T. daily on the Lender Portal at <a href=\"http://www.reigift100.org/\">www.reigift100.org</a>.  All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\n&nbsp;\r\n<p align=\"center\"><b>***Rates can be subject to intra-day pricing changes***</b></p>\r\n<strong>Income Limits:</strong> FHA, VA, &amp; HUD 184 - The Borrower\'s <strong>qualifying </strong>income must not exceed Program Income Limits.  Click on Area Median Income below to view income limits.  They can also be found in the Lender Portal at <a href=\"http://www.reigift100.org/\" target=\"_blank\">www.reigift100.org</a>.\r\n\r\nRural Development Loans - Income is based on Adjusted Household Income per Rural Development\'s Guidelines.  Income limits can be found by <a href=\"http://www.rurdev.usda.gov/SupportDocuments/OK%20GRH.pdf\" target=\"_blank\">clicking here</a>.\r\n\r\n<b>***Lenders will be responsible for ensuring that the income meets program guidelines.***</b>\r\n\r\n<strong>Credit Score:</strong> Minimum credit score of 640.\r\n\r\n<strong>Maximum DTI:</strong> 45%\r\n\r\n<strong>First Time Home Buyer:</strong> No first-time home buyer requirement.\r\n\r\n<strong>Home Buyer Education:</strong> Recommended but not required.\r\n\r\n<strong>Lender Compensation, Fees, and Purchase:</strong> Please review the Program Summary and Program Guidelines below for compensation, loan fees, and purchase requirements.  These documents can also be found on the Lender Portal at <a href=\"http://www.reigift100.org/\" target=\"_blank\">www.reigift100.org</a>.\r\n\r\n<strong>Forms:</strong>\r\n\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/10/REI-Gift100-Program-Summary-14-10-15.pdf\" target=\"_blank\">REI Gift100 Program Summary</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/04/2014-Area-Median-Incomes-Gift-100-Program.pdf\" target=\"_blank\">2014 Area Median Income - Gift100 Program</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/04/REI-Gift100-Guidelines.pdf\" target=\"_blank\">REI Gift100 Guidelines</a></li>\r\n	<li><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a></li>\r\n</ul>\r\n<strong>US Bank Forms &amp; Bulletins:</strong>\r\n\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/05/USB-002-DPA-Form.pdf\" target=\"_blank\">Down Payment Assistance Form</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/05/MRBP-Government-Loan-Delivery-Checklist-pg-1.pdf\" target=\"_blank\">Delivery Checklist Form</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/05/MRB-Funding-Fee-Increase-2014-37.pdf\" target=\"_blank\">Funding Fee Increase Bulletin 2014-37</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/05/Loan-Review-Process-Reminders-2014-26.pdf\" target=\"_blank\">Loan Review Process Bulletin 2014-26</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/06/MRBP-Compliance-Audit-Reminders-2014-40.pdf\" target=\"_blank\">MRBP Compliance Audit Reminder 2014-40</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/06/MRBP_Compliance_Reminders-2014-39.pdf\" target=\"_blank\">MRBP Compliance Reminders 2014-39</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/07/MRBP-Flood-Insurance-Requirements-2014-41.pdf\" target=\"_blank\">MRBP Flood Insurance Requirements 2014-41</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/07/MRBP-Dodd-Frank-Reminders-2014-42.pdf\" target=\"_blank\">MRBP Dodd-Frank Reminders 2014-42</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/07/NMLS-Requirement-Bulletin-2014-43.pdf\" target=\"_blank\">NMLS Requirement Bulletin 2014-43</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/09/Revised-Communications-Bulletin-2014-48.pdf\" target=\"_blank\"><span class=\"title\">Revised Communications Bulletin 2014-48</span></a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/10/USDA-Annual-Fee-Change-2014-50.pdf\" target=\"_blank\">USDA Annual Fee Change 2014-50</a></li>\r\n</ul>', 'REI Gift100 Program', '', 'inherit', 'open', 'open', '', '431-revision-v1', '', '', '2014-10-15 15:33:28', '2014-10-15 15:33:28', '', 431, 'http://reidownpayment.org/431-revision-v1/', 0, 'revision', '', 0),
(669, 2, '2014-10-15 15:33:54', '2014-10-15 15:33:54', '<b>REI GIFT100 PROGRAM</b>\r\n\r\nREI Down Payment Assistance invests in Oklahoma’s future by providing housing opportunities to low income individuals and families.  The new statewide REI Gift100 Program provides a competitive first mortgage and down payment and closing cost assistance to eligible mortgagors. The down payment is in the form of a gift, second liens or deed restrictions are not required for this program.\r\n\r\nThe program includes the following loan types:\r\n<ul>\r\n	<li>FHA – 203(b), 234(c) &amp; 203ks (lenders must have an additional approval from U.S. Bank to originate 203ks loans) – 30 year fixed rate</li>\r\n	<li>VA – 203(b) &amp; 234(c) – 30 year fixed rate</li>\r\n	<li>Rural Housing Guaranteed Loan – 30 year fixed rate</li>\r\n	<li>HUD Section 184 – 30 year fixed rate</li>\r\n</ul>\r\nRate/term refinance on any of the above loan products.<strong>\r\n</strong>\r\n\r\n<strong>Lenders:</strong> Lenders must be approved by U.S. Bank to participate in the REI Gift100 Program.  Interested lenders should contact U.S. Bank Help desk at 1-800-562-5165 or <a href=\"mailto:mrbp.helpdesk@usbank.com\" target=\"_blank\">mrbp.helpdesk@usbank.com</a>.  You can also contact Dena Sherrill, Housing Program Manager, REI Down Payment Assistance at 1-800-658-2823 or <a href=\"mailto:dsherrill@reiok.org\" target=\"_blank\">dsherrill@reiok.org</a> or Jeremy Layman, Housing Program Specialist at <a href=\"mailto:jlayman@reiok.org\" target=\"_blank\">jlayman@reiok.org</a>.\r\n<p align=\"center\"><b>***Third Party Origination is not allowed***</b></p>\r\n<strong>Program Highlights</strong>\r\n\r\n<strong>Structure:</strong>\r\nOption 1 - gift funds of 3.5% of the total loan amount\r\nOption 2 - gift funds of 5% of the total loan amount\r\n\r\nThe funds may be used to fund up to 100% of the Borrower\'s cash requirement to close, including the down payment, closing costs, pre-paid items and other related Mortgage Loan fees and expenses.  No portion of the gift funds can be paid to the Borrower unless the Borrower is being reimbursed for an overage of his/her earnest money deposit to the extent the minimum Borrower contribution has been satisfied.  Under the rate/term refinance option, any funds above the amount needed to pay the Borrower\'s loan related costs must be used to reduce the principal amount of the First Mortgage loan.\r\n\r\n<b>First Mortgage Origination Fee:  </b>Usual and customary as allowed by First Mortgage loan program.\r\n\r\n<strong>Interest rates:</strong> REI Down Payment Assistance will post First Mortgage interest rates by 9:00 a.m. C.S.T. daily on the Lender Portal at <a href=\"http://www.reigift100.org/\">www.reigift100.org</a>.  All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\n&nbsp;\r\n<p align=\"center\"><b>***Rates can be subject to intra-day pricing changes***</b></p>\r\n<strong>Income Limits:</strong> FHA, VA, &amp; HUD 184 - The Borrower\'s <strong>qualifying </strong>income must not exceed Program Income Limits.  Click on Area Median Income below to view income limits.  They can also be found in the Lender Portal at <a href=\"http://www.reigift100.org/\" target=\"_blank\">www.reigift100.org</a>.\r\n\r\nRural Development Loans - Income is based on Adjusted Household Income per Rural Development\'s Guidelines.  Income limits can be found by <a href=\"http://www.rurdev.usda.gov/SupportDocuments/OK%20GRH.pdf\" target=\"_blank\">clicking here</a>.\r\n\r\n<b>***Lenders will be responsible for ensuring that the income meets program guidelines.***</b>\r\n\r\n<strong>Credit Score:</strong> Minimum credit score of 640.\r\n\r\n<strong>Maximum DTI:</strong> 45%\r\n\r\n<strong>First Time Home Buyer:</strong> No first-time home buyer requirement.\r\n\r\n<strong>Home Buyer Education:</strong> Recommended but not required.\r\n\r\n<strong>Lender Compensation, Fees, and Purchase:</strong> Please review the Program Summary and Program Guidelines below for compensation, loan fees, and purchase requirements.  These documents can also be found on the Lender Portal at <a href=\"http://www.reigift100.org/\" target=\"_blank\">www.reigift100.org</a>.\r\n\r\n<strong>Forms:</strong>\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/10/REI-Gift100-Program-Summary-14-10-15.pdf\" target=\"_blank\">REI Gift100 Program Summary</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/04/2014-Area-Median-Incomes-Gift-100-Program.pdf\" target=\"_blank\">2014 Area Median Income - Gift100 Program</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/04/REI-Gift100-Guidelines.pdf\" target=\"_blank\">REI Gift100 Guidelines</a></li>\r\n	<li><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a></li>\r\n</ul>\r\n<strong>US Bank Forms &amp; Bulletins:</strong>\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/05/USB-002-DPA-Form.pdf\" target=\"_blank\">Down Payment Assistance Form</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/05/MRBP-Government-Loan-Delivery-Checklist-pg-1.pdf\" target=\"_blank\">Delivery Checklist Form</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/05/MRB-Funding-Fee-Increase-2014-37.pdf\" target=\"_blank\">Funding Fee Increase Bulletin 2014-37</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/05/Loan-Review-Process-Reminders-2014-26.pdf\" target=\"_blank\">Loan Review Process Bulletin 2014-26</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/06/MRBP-Compliance-Audit-Reminders-2014-40.pdf\" target=\"_blank\">MRBP Compliance Audit Reminder 2014-40</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/06/MRBP_Compliance_Reminders-2014-39.pdf\" target=\"_blank\">MRBP Compliance Reminders 2014-39</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/07/MRBP-Flood-Insurance-Requirements-2014-41.pdf\" target=\"_blank\">MRBP Flood Insurance Requirements 2014-41</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/07/MRBP-Dodd-Frank-Reminders-2014-42.pdf\" target=\"_blank\">MRBP Dodd-Frank Reminders 2014-42</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/07/NMLS-Requirement-Bulletin-2014-43.pdf\" target=\"_blank\">NMLS Requirement Bulletin 2014-43</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/09/Revised-Communications-Bulletin-2014-48.pdf\" target=\"_blank\"><span class=\"title\">Revised Communications Bulletin 2014-48</span></a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/10/USDA-Annual-Fee-Change-2014-50.pdf\" target=\"_blank\">USDA Annual Fee Change 2014-50</a></li>\r\n</ul>', 'REI Gift100 Program', '', 'inherit', 'open', 'open', '', '431-revision-v1', '', '', '2014-10-15 15:33:54', '2014-10-15 15:33:54', '', 431, 'http://reidownpayment.org/431-revision-v1/', 0, 'revision', '', 0),
(670, 2, '2014-10-15 15:34:14', '2014-10-15 15:34:14', '<b>REI GIFT100 PROGRAM</b>\r\n\r\nREI Down Payment Assistance invests in Oklahoma’s future by providing housing opportunities to low income individuals and families.  The new statewide REI Gift100 Program provides a competitive first mortgage and down payment and closing cost assistance to eligible mortgagors. The down payment is in the form of a gift, second liens or deed restrictions are not required for this program.\r\n\r\nThe program includes the following loan types:\r\n<ul>\r\n	<li>FHA – 203(b), 234(c) &amp; 203ks (lenders must have an additional approval from U.S. Bank to originate 203ks loans) – 30 year fixed rate</li>\r\n	<li>VA – 203(b) &amp; 234(c) – 30 year fixed rate</li>\r\n	<li>Rural Housing Guaranteed Loan – 30 year fixed rate</li>\r\n	<li>HUD Section 184 – 30 year fixed rate</li>\r\n</ul>\r\nRate/term refinance on any of the above loan products.<strong>\r\n</strong>\r\n\r\n<strong>Lenders:</strong> Lenders must be approved by U.S. Bank to participate in the REI Gift100 Program.  Interested lenders should contact U.S. Bank Help desk at 1-800-562-5165 or <a href=\"mailto:mrbp.helpdesk@usbank.com\" target=\"_blank\">mrbp.helpdesk@usbank.com</a>.  You can also contact Dena Sherrill, Housing Program Manager, REI Down Payment Assistance at 1-800-658-2823 or <a href=\"mailto:dsherrill@reiok.org\" target=\"_blank\">dsherrill@reiok.org</a> or Jeremy Layman, Housing Program Specialist at <a href=\"mailto:jlayman@reiok.org\" target=\"_blank\">jlayman@reiok.org</a>.\r\n<p align=\"center\"><b>***Third Party Origination is not allowed***</b></p>\r\n<strong>Program Highlights</strong>\r\n\r\n<strong>Structure:</strong>\r\nOption 1 - gift funds of 3.5% of the total loan amount\r\nOption 2 - gift funds of 5% of the total loan amount\r\n\r\nThe funds may be used to fund up to 100% of the Borrower\'s cash requirement to close, including the down payment, closing costs, pre-paid items and other related Mortgage Loan fees and expenses.  No portion of the gift funds can be paid to the Borrower unless the Borrower is being reimbursed for an overage of his/her earnest money deposit to the extent the minimum Borrower contribution has been satisfied.  Under the rate/term refinance option, any funds above the amount needed to pay the Borrower\'s loan related costs must be used to reduce the principal amount of the First Mortgage loan.\r\n\r\n<b>First Mortgage Origination Fee:  </b>Usual and customary as allowed by First Mortgage loan program.\r\n\r\n<strong>Interest rates:</strong> REI Down Payment Assistance will post First Mortgage interest rates by 9:00 a.m. C.S.T. daily on the Lender Portal at <a href=\"http://www.reigift100.org/\">www.reigift100.org</a>.  All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\n&nbsp;\r\n<p align=\"center\"><b>***Rates can be subject to intra-day pricing changes***</b></p>\r\n<strong>Income Limits:</strong> FHA, VA, &amp; HUD 184 - The Borrower\'s <strong>qualifying </strong>income must not exceed Program Income Limits.  Click on Area Median Income below to view income limits.  They can also be found in the Lender Portal at <a href=\"http://www.reigift100.org/\" target=\"_blank\">www.reigift100.org</a>.\r\n\r\nRural Development Loans - Income is based on Adjusted Household Income per Rural Development\'s Guidelines.  Income limits can be found by <a href=\"http://www.rurdev.usda.gov/SupportDocuments/OK%20GRH.pdf\" target=\"_blank\">clicking here</a>.\r\n\r\n<b>***Lenders will be responsible for ensuring that the income meets program guidelines.***</b>\r\n\r\n<strong>Credit Score:</strong> Minimum credit score of 640.\r\n\r\n<strong>Maximum DTI:</strong> 45%\r\n\r\n<strong>First Time Home Buyer:</strong> No first-time home buyer requirement.\r\n\r\n<strong>Home Buyer Education:</strong> Recommended but not required.\r\n\r\n<strong>Lender Compensation, Fees, and Purchase:</strong> Please review the Program Summary and Program Guidelines below for compensation, loan fees, and purchase requirements.  These documents can also be found on the Lender Portal at <a href=\"http://www.reigift100.org/\" target=\"_blank\">www.reigift100.org</a>.\r\n\r\n<strong>Forms:</strong>\r\n<ul>	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/10/REI-Gift100-Program-Summary-14-10-15.pdf\" target=\"_blank\">REI Gift100 Program Summary</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/04/2014-Area-Median-Incomes-Gift-100-Program.pdf\" target=\"_blank\">2014 Area Median Income - Gift100 Program</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/04/REI-Gift100-Guidelines.pdf\" target=\"_blank\">REI Gift100 Guidelines</a></li>\r\n	<li><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a></li>\r\n</ul>\r\n<strong>US Bank Forms &amp; Bulletins:</strong>\r\n<ul>	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/05/USB-002-DPA-Form.pdf\" target=\"_blank\">Down Payment Assistance Form</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/05/MRBP-Government-Loan-Delivery-Checklist-pg-1.pdf\" target=\"_blank\">Delivery Checklist Form</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/05/MRB-Funding-Fee-Increase-2014-37.pdf\" target=\"_blank\">Funding Fee Increase Bulletin 2014-37</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/05/Loan-Review-Process-Reminders-2014-26.pdf\" target=\"_blank\">Loan Review Process Bulletin 2014-26</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/06/MRBP-Compliance-Audit-Reminders-2014-40.pdf\" target=\"_blank\">MRBP Compliance Audit Reminder 2014-40</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/06/MRBP_Compliance_Reminders-2014-39.pdf\" target=\"_blank\">MRBP Compliance Reminders 2014-39</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/07/MRBP-Flood-Insurance-Requirements-2014-41.pdf\" target=\"_blank\">MRBP Flood Insurance Requirements 2014-41</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/07/MRBP-Dodd-Frank-Reminders-2014-42.pdf\" target=\"_blank\">MRBP Dodd-Frank Reminders 2014-42</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/07/NMLS-Requirement-Bulletin-2014-43.pdf\" target=\"_blank\">NMLS Requirement Bulletin 2014-43</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/09/Revised-Communications-Bulletin-2014-48.pdf\" target=\"_blank\"><span class=\"title\">Revised Communications Bulletin 2014-48</span></a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/10/USDA-Annual-Fee-Change-2014-50.pdf\" target=\"_blank\">USDA Annual Fee Change 2014-50</a></li>\r\n</ul>', 'REI Gift100 Program', '', 'inherit', 'open', 'open', '', '431-revision-v1', '', '', '2014-10-15 15:34:14', '2014-10-15 15:34:14', '', 431, 'http://reidownpayment.org/431-revision-v1/', 0, 'revision', '', 0),
(672, 2, '2014-10-16 13:56:52', '2014-10-16 13:56:52', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated October 16, 2014 at 9:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2014-10-16 13:56:52', '2014-10-16 13:56:52', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(676, 1, '2014-10-20 20:29:27', '2014-10-20 20:29:27', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated October 16, 2014 at 9:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2014-10-20 20:29:27', '2014-10-20 20:29:27', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(677, 2, '2014-10-21 14:10:01', '2014-10-21 14:10:01', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated October 21, 2014 at 9:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2014-10-21 14:10:01', '2014-10-21 14:10:01', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(678, 2, '2014-10-22 14:07:27', '2014-10-22 14:07:27', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated October 22, 2014 at 9:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2014-10-22 14:07:27', '2014-10-22 14:07:27', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(679, 2, '2014-10-23 14:17:25', '2014-10-23 14:17:25', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated October 23, 2014 at 9:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2014-10-23 14:17:25', '2014-10-23 14:17:25', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0);
INSERT INTO `wp_posts` (`ID`, `post_author`, `post_date`, `post_date_gmt`, `post_content`, `post_title`, `post_excerpt`, `post_status`, `comment_status`, `ping_status`, `post_password`, `post_name`, `to_ping`, `pinged`, `post_modified`, `post_modified_gmt`, `post_content_filtered`, `post_parent`, `guid`, `menu_order`, `post_type`, `post_mime_type`, `comment_count`) VALUES
(680, 2, '2014-10-24 13:59:48', '2014-10-24 13:59:48', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated October 24, 2014 at 9:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2014-10-24 13:59:48', '2014-10-24 13:59:48', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(681, 2, '2014-10-27 14:00:56', '2014-10-27 14:00:56', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated October 27, 2014 at 9:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2014-10-27 14:00:56', '2014-10-27 14:00:56', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(683, 2, '2014-10-28 14:03:51', '2014-10-28 14:03:51', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated October 28, 2014 at 9:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2014-10-28 14:03:51', '2014-10-28 14:03:51', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(684, 2, '2014-10-29 13:58:42', '2014-10-29 13:58:42', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated October 29, 2014 at 9:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2014-10-29 13:58:42', '2014-10-29 13:58:42', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(685, 2, '2014-10-30 14:24:17', '2014-10-30 14:24:17', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated October 30, 2014 at 9:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2014-10-30 14:24:17', '2014-10-30 14:24:17', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(686, 2, '2014-10-31 14:19:01', '2014-10-31 14:19:01', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated October 31, 2014 at 9:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2014-10-31 14:19:01', '2014-10-31 14:19:01', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(687, 2, '2014-11-03 14:57:10', '2014-11-03 14:57:10', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated November 3, 2014 at 9:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2014-11-03 14:57:10', '2014-11-03 14:57:10', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(688, 2, '2014-11-04 15:11:58', '2014-11-04 15:11:58', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated November 4, 2014 at 9:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2014-11-04 15:11:58', '2014-11-04 15:11:58', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(690, 2, '2014-11-05 14:57:39', '2014-11-05 14:57:39', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated November 5, 2014 at 9:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2014-11-05 14:57:39', '2014-11-05 14:57:39', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(691, 2, '2014-11-06 14:54:43', '2014-11-06 14:54:43', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated November 6, 2014 at 9:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2014-11-06 14:54:43', '2014-11-06 14:54:43', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(692, 2, '2014-11-07 15:49:00', '2014-11-07 15:49:00', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated November 7, 2014 at 9:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2014-11-07 15:49:00', '2014-11-07 15:49:00', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(693, 2, '2014-11-10 14:55:19', '2014-11-10 14:55:19', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated November 10, 2014 at 9:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2014-11-10 14:55:19', '2014-11-10 14:55:19', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(694, 2, '2014-11-12 15:03:55', '2014-11-12 15:03:55', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated November 12, 2014 at 9:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2014-11-12 15:03:55', '2014-11-12 15:03:55', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(696, 2, '2014-11-13 14:50:21', '2014-11-13 14:50:21', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated November 13, 2014 at 9:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2014-11-13 14:50:21', '2014-11-13 14:50:21', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(697, 2, '2014-11-14 14:54:20', '2014-11-14 14:54:20', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated November 14, 2014 at 9:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2014-11-14 14:54:20', '2014-11-14 14:54:20', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(698, 2, '2014-11-14 21:21:41', '2014-11-14 21:21:41', '', 'Program Guidelines November 14, 2014', '', 'inherit', 'open', 'open', '', 'program-guidelines-november-14-2014', '', '', '2014-11-14 21:21:41', '2014-11-14 21:21:41', '', 0, 'http://reidownpayment.org/wp/wp-content/uploads/2014/11/Program-Guidelines-November-14-2014.pdf', 0, 'attachment', 'application/pdf', 0),
(699, 2, '2014-11-14 21:22:32', '2014-11-14 21:22:32', '<strong>REI CHOICE100 PROGRAM</strong> - Down Payment and Closing Cost Assistance - Fannie Mae My Community Mortgage Loans.\r\n\r\nThe REI Choice100 program is just that, it provides you with numerous choices and types of assistance for your borrowers. The program is utilized with Fannie Mae\'s 95% My Community Mortgage loan. We have structured the program to provide the borrower with a second mortgage of 5% along with the choice to pay a higher interest rate and receive  additional 2% assistance which can be used to fund split or single premium mortgage insurance. As the borrower\'s lender, you can advise them of the different choices available to them and what will be best for their situation.\r\n\r\nThis program can also be used for a rate/term refinance of existing loans. Any loan that is refinanced must prove a demonstrable benefit to the borrower (i.e. lower payments or interest rates). Cash out refinances are not eligible.\r\n\r\nPlease review Program Guidelines for more detailed information, below are some highlights of the program.\r\n\r\n<strong>Eligible Lenders:</strong> Lenders must be approved as a 360 Mortgage Delegated Correspondent Lender or Broker, and in good standing. Lenders should contact Priscilla Bohot at (512) 418-6094 or <a href=\"mailto:pbohot@360mortgage.com\">pbohot@360mortgage.com</a> to inquire about becoming a participating lender. You can also contact Dena Sherrill at <a href=\"mailto:dsherrill@reiok.org\">dsherrill@reiok.org</a> or Jeremy Layman at <a href=\"mailto:jlayman@reiok.org\">jlayman@reiok.org</a>.\r\n\r\n<strong>Program Highlights:</strong>\r\n\r\n<strong>Structure:</strong> This is a first and second mortgage program that are packaged together. The first mortgage loan is a 30 year fixed rate 95% My Community Mortgage and the second mortgage is utilized to pay the down payment, closing costs, or single or split mortgage insurance premiums associated with the first mortgage.\r\n\r\n<strong>Second Mortgage:</strong> The second mortgage is sized at 5% of the total first mortgage loan amount. The second mortgage is a 20 year fixed rate mortgage with an interest rate of 6.00%. There is no pre-payment penalties on the second mortgage. Borrower may be reimbursed for their earnest money and prepaid expenses.\r\n\r\n<strong>Interest rates:</strong> Multiple choices of Mortgage Loan Rates will be posted daily by 360 Mortgage. Rates are subject to change and confirmation by 360 Mortgage.\r\n\r\n<strong>Income Limits:</strong> The Borrower\'s <strong>qualifying </strong>income must not exceed Program Income Limits.  Click on Area Median Income below to view income limits.\r\n\r\n<strong>Borrower Investment:</strong> Minimum borrower investment of 1%, which must be derived from verified assets.\r\n\r\n<strong>Credit Score:</strong> Minimum credit score of 660, or per MI Guidelines\r\n\r\n<strong>Maximum DTI:</strong> 45%\r\n\r\n<strong>Mortgage Insurance:</strong> MCM 95 loans require 16% charter coverage. MI coverage rates should match the MI coverage recommended by AUS and are subject to change. Lenders may select from the various monthly, split and single “lender paid” MI premium plans available, subject to mortgage insurer terms and conditions. Upfront single or split premiums may be funded by the Second Loan proceeds or from any available rebate pricing, as reflected in the daily rate sheet, or from a Seller’s concession.\r\n\r\n<strong>We are currently working with the following MI companies:</strong> Genworth, MGIC, United Guaranty, Essent Guaranty, and National MI. You must follow the MI companies HFA guidelines.\r\n\r\n<strong>First Time Home Buyer:</strong> No first-time home buyer requirement.\r\n\r\n<strong>Home Buyer Education:</strong> If all borrowers are first-time home buyers, at least one borrower must complete pre-purchase home-buyer education and counseling. Oklahoma Homebuyer Education Association (OHEA) Certified instructors and HUD Certified instructors are eligible Homebuyer Education providers.\r\n\r\n<strong>Lender Compensation, Fees, and Purchase:</strong> Please review the Program Guidelines for compensation, loan fees, and purchase requirements.\r\n\r\n<strong>Forms:</strong>\r\n<ul>\r\n	<li>P<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/11/Program-Guidelines-November-14-2014.pdf\" target=\"_blank\">rogram Guidelines Choice100</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/05/2014-Area-Median-Incomes-Choice-100-Program.pdf\" target=\"_blank\">2014 Area Median Incomes - Choice100 Program</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/09/MORTGAGORS-AGREEMENT-DISCLOSURE-FORM.pdf\">Mortgagors Agreement &amp; Disclosure Form</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/09/SECOND-LIEN-RIDER.pdf\">Second Lien Rider</a></li>\r\n</ul>', 'REI Choice100 Program', '', 'inherit', 'open', 'open', '', '217-revision-v1', '', '', '2014-11-14 21:22:32', '2014-11-14 21:22:32', '', 217, 'http://reidownpayment.org/217-revision-v1/', 0, 'revision', '', 0),
(700, 2, '2014-11-17 14:57:42', '2014-11-17 14:57:42', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated November 17, 2014 at 9:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2014-11-17 14:57:42', '2014-11-17 14:57:42', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(701, 2, '2014-11-18 14:53:12', '2014-11-18 14:53:12', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated November 18, 2014 at 9:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2014-11-18 14:53:12', '2014-11-18 14:53:12', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(702, 2, '2014-11-19 14:49:34', '2014-11-19 14:49:34', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated November 19, 2014 at 9:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2014-11-19 14:49:34', '2014-11-19 14:49:34', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(703, 2, '2014-11-20 15:05:12', '2014-11-20 15:05:12', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated November 20, 2014 at 9:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2014-11-20 15:05:12', '2014-11-20 15:05:12', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(705, 2, '2014-11-21 15:07:04', '2014-11-21 15:07:04', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated November 21, 2014 at 9:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2014-11-21 15:07:04', '2014-11-21 15:07:04', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(706, 2, '2014-11-24 14:55:53', '2014-11-24 14:55:53', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated November 24, 2014 at 9:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2014-11-24 14:55:53', '2014-11-24 14:55:53', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(707, 2, '2014-11-24 16:47:51', '2014-11-24 16:47:51', '', 'Amendatory Clause LOU - HFA 2', '', 'inherit', 'open', 'open', '', 'amendatory-clause-lou-hfa-2', '', '', '2014-11-24 16:47:51', '2014-11-24 16:47:51', '', 0, 'http://reidownpayment.org/wp/wp-content/uploads/2014/11/Amendatory-Clause-LOU-HFA-2.pdf', 0, 'attachment', 'application/pdf', 0),
(708, 2, '2014-11-24 16:49:30', '2014-11-24 16:49:30', '<b>REI GIFT100 PROGRAM</b>\r\n\r\nREI Down Payment Assistance invests in Oklahoma’s future by providing housing opportunities to low income individuals and families.  The new statewide REI Gift100 Program provides a competitive first mortgage and down payment and closing cost assistance to eligible mortgagors. The down payment is in the form of a gift, second liens or deed restrictions are not required for this program.\r\n\r\nThe program includes the following loan types:\r\n<ul>\r\n	<li>FHA – 203(b), 234(c) &amp; 203ks (lenders must have an additional approval from U.S. Bank to originate 203ks loans) – 30 year fixed rate</li>\r\n	<li>VA – 203(b) &amp; 234(c) – 30 year fixed rate</li>\r\n	<li>Rural Housing Guaranteed Loan – 30 year fixed rate</li>\r\n	<li>HUD Section 184 – 30 year fixed rate</li>\r\n</ul>\r\nRate/term refinance on any of the above loan products.<strong>\r\n</strong>\r\n\r\n<strong>Lenders:</strong> Lenders must be approved by U.S. Bank to participate in the REI Gift100 Program.  Interested lenders should contact U.S. Bank Help desk at 1-800-562-5165 or <a href=\"mailto:mrbp.helpdesk@usbank.com\" target=\"_blank\">mrbp.helpdesk@usbank.com</a>.  You can also contact Dena Sherrill, Housing Program Manager, REI Down Payment Assistance at 1-800-658-2823 or <a href=\"mailto:dsherrill@reiok.org\" target=\"_blank\">dsherrill@reiok.org</a> or Jeremy Layman, Housing Program Specialist at <a href=\"mailto:jlayman@reiok.org\" target=\"_blank\">jlayman@reiok.org</a>.\r\n<p align=\"center\"><b>***Third Party Origination is not allowed***</b></p>\r\n<strong>Program Highlights</strong>\r\n\r\n<strong>Structure:</strong>\r\nOption 1 - gift funds of 3.5% of the total loan amount\r\nOption 2 - gift funds of 5% of the total loan amount\r\n\r\nThe funds may be used to fund up to 100% of the Borrower\'s cash requirement to close, including the down payment, closing costs, pre-paid items and other related Mortgage Loan fees and expenses.  No portion of the gift funds can be paid to the Borrower unless the Borrower is being reimbursed for an overage of his/her earnest money deposit to the extent the minimum Borrower contribution has been satisfied.  Under the rate/term refinance option, any funds above the amount needed to pay the Borrower\'s loan related costs must be used to reduce the principal amount of the First Mortgage loan.\r\n\r\n<b>First Mortgage Origination Fee:  </b>Usual and customary as allowed by First Mortgage loan program.\r\n\r\n<strong>Interest rates:</strong> REI Down Payment Assistance will post First Mortgage interest rates by 9:00 a.m. C.S.T. daily on the Lender Portal at <a href=\"http://www.reigift100.org/\">www.reigift100.org</a>.  All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\n&nbsp;\r\n<p align=\"center\"><b>***Rates can be subject to intra-day pricing changes***</b></p>\r\n<strong>Income Limits:</strong> FHA, VA, &amp; HUD 184 - The Borrower\'s <strong>qualifying </strong>income must not exceed Program Income Limits.  Click on Area Median Income below to view income limits.  They can also be found in the Lender Portal at <a href=\"http://www.reigift100.org/\" target=\"_blank\">www.reigift100.org</a>.\r\n\r\nRural Development Loans - Income is based on Adjusted Household Income per Rural Development\'s Guidelines.  Income limits can be found by <a href=\"http://www.rurdev.usda.gov/SupportDocuments/OK%20GRH.pdf\" target=\"_blank\">clicking here</a>.\r\n\r\n<b>***Lenders will be responsible for ensuring that the income meets program guidelines.***</b>\r\n\r\n<strong>Credit Score:</strong> Minimum credit score of 640.\r\n\r\n<strong>Maximum DTI:</strong> 45%\r\n\r\n<strong>First Time Home Buyer:</strong> No first-time home buyer requirement.\r\n\r\n<strong>Home Buyer Education:</strong> Recommended but not required.\r\n\r\n<strong>Lender Compensation, Fees, and Purchase:</strong> Please review the Program Summary and Program Guidelines below for compensation, loan fees, and purchase requirements.  These documents can also be found on the Lender Portal at <a href=\"http://www.reigift100.org/\" target=\"_blank\">www.reigift100.org</a>.\r\n\r\n<strong>Forms:</strong>\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/10/REI-Gift100-Program-Summary-14-10-15.pdf\" target=\"_blank\">REI Gift100 Program Summary</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/04/2014-Area-Median-Incomes-Gift-100-Program.pdf\" target=\"_blank\">2014 Area Median Income - Gift100 Program</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/04/REI-Gift100-Guidelines.pdf\" target=\"_blank\">REI Gift100 Guidelines</a></li>\r\n	<li><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a></li>\r\n</ul>\r\n<strong>US Bank Forms &amp; Bulletins:</strong>\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/05/USB-002-DPA-Form.pdf\" target=\"_blank\">Down Payment Assistance Form</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/05/MRBP-Government-Loan-Delivery-Checklist-pg-1.pdf\" target=\"_blank\">Delivery Checklist Form</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/05/MRB-Funding-Fee-Increase-2014-37.pdf\" target=\"_blank\">Funding Fee Increase Bulletin 2014-37</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/05/Loan-Review-Process-Reminders-2014-26.pdf\" target=\"_blank\">Loan Review Process Bulletin 2014-26</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/06/MRBP-Compliance-Audit-Reminders-2014-40.pdf\" target=\"_blank\">MRBP Compliance Audit Reminder 2014-40</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/06/MRBP_Compliance_Reminders-2014-39.pdf\" target=\"_blank\">MRBP Compliance Reminders 2014-39</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/07/MRBP-Flood-Insurance-Requirements-2014-41.pdf\" target=\"_blank\">MRBP Flood Insurance Requirements 2014-41</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/07/MRBP-Dodd-Frank-Reminders-2014-42.pdf\" target=\"_blank\">MRBP Dodd-Frank Reminders 2014-42</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/07/NMLS-Requirement-Bulletin-2014-43.pdf\" target=\"_blank\">NMLS Requirement Bulletin 2014-43</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/09/Revised-Communications-Bulletin-2014-48.pdf\" target=\"_blank\"><span class=\"title\">Revised Communications Bulletin 2014-48</span></a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/10/USDA-Annual-Fee-Change-2014-50.pdf\" target=\"_blank\">USDA Annual Fee Change 2014-50</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/11/Amendatory-Clause-LOU-HFA-2.pdf\" target=\"_blank\">Amendatory Clause LOU - HFA 2</a></li>\r\n</ul>', 'REI Gift100 Program', '', 'inherit', 'open', 'open', '', '431-revision-v1', '', '', '2014-11-24 16:49:30', '2014-11-24 16:49:30', '', 431, 'http://reidownpayment.org/431-revision-v1/', 0, 'revision', '', 0),
(709, 2, '2014-11-25 15:07:25', '2014-11-25 15:07:25', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated November 25, 2014 at 9:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2014-11-25 15:07:25', '2014-11-25 15:07:25', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(710, 2, '2014-11-26 15:07:23', '2014-11-26 15:07:23', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated November 26, 2014 at 9:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2014-11-26 15:07:23', '2014-11-26 15:07:23', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(712, 2, '2014-12-01 15:07:14', '2014-12-01 15:07:14', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated December 1, 2014 at 9:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2014-12-01 15:07:14', '2014-12-01 15:07:14', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(713, 2, '2014-12-02 15:10:01', '2014-12-02 15:10:01', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated December 2, 2014 at 9:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2014-12-02 15:10:01', '2014-12-02 15:10:01', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(714, 2, '2014-12-03 15:13:53', '2014-12-03 15:13:53', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated December 3, 2014 at 9:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2014-12-03 15:13:53', '2014-12-03 15:13:53', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(715, 2, '2014-12-04 14:58:51', '2014-12-04 14:58:51', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated December 4, 2014 at 9:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2014-12-04 14:58:51', '2014-12-04 14:58:51', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(716, 2, '2014-12-05 15:05:33', '2014-12-05 15:05:33', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated December 5, 2014 at 9:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2014-12-05 15:05:33', '2014-12-05 15:05:33', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(717, 2, '2014-12-08 16:03:53', '2014-12-08 16:03:53', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated December 8, 2014 at 9:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2014-12-08 16:03:53', '2014-12-08 16:03:53', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(719, 2, '2014-12-09 14:54:33', '2014-12-09 14:54:33', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated December 9, 2014 at 9:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2014-12-09 14:54:33', '2014-12-09 14:54:33', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(720, 2, '2014-12-10 14:49:02', '2014-12-10 14:49:02', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated December 10, 2014 at 9:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2014-12-10 14:49:02', '2014-12-10 14:49:02', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(721, 2, '2014-12-11 15:04:56', '2014-12-11 15:04:56', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated December 11, 2014 at 9:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2014-12-11 15:04:56', '2014-12-11 15:04:56', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(722, 2, '2014-12-12 14:59:40', '2014-12-12 14:59:40', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated December 12, 2014 at 9:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2014-12-12 14:59:40', '2014-12-12 14:59:40', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(723, 2, '2014-12-15 15:15:34', '2014-12-15 15:15:34', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated December 15, 2014 at 9:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2014-12-15 15:15:34', '2014-12-15 15:15:34', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(724, 2, '2014-12-16 15:04:00', '2014-12-16 15:04:00', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated December 16, 2014 at 9:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2014-12-16 15:04:00', '2014-12-16 15:04:00', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(726, 2, '2014-12-17 14:56:55', '2014-12-17 14:56:55', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated December 17, 2014 at 9:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2014-12-17 14:56:55', '2014-12-17 14:56:55', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(727, 2, '2014-12-18 15:39:34', '2014-12-18 15:39:34', '<b>REI GIFT100 PROGRAM INTEREST RATE\n</b>\n\nUpdated December 18, 2014 at 9:00 a.m.\n\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\n<ul>\n	<li>7 Days – 0.09375 Points</li>\n	<li>15 Days – 0.18750 Points</li>\n	<li>22 Days – 0.28125 Points</li>\n	<li>30 Days – 0.37500 Points</li>\n</ul>\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\n\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\n\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2014-12-18 15:39:34', '2014-12-18 15:39:34', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(728, 2, '2014-12-18 15:40:20', '2014-12-18 15:40:20', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated December 18, 2014 at 9:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2014-12-18 15:40:20', '2014-12-18 15:40:20', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(729, 2, '2014-12-19 15:11:13', '2014-12-19 15:11:13', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated December 19, 2014 at 9:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2014-12-19 15:11:13', '2014-12-19 15:11:13', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(730, 2, '2014-12-22 15:03:09', '2014-12-22 15:03:09', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated December 22, 2014 at 9:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2014-12-22 15:03:09', '2014-12-22 15:03:09', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0);
INSERT INTO `wp_posts` (`ID`, `post_author`, `post_date`, `post_date_gmt`, `post_content`, `post_title`, `post_excerpt`, `post_status`, `comment_status`, `ping_status`, `post_password`, `post_name`, `to_ping`, `pinged`, `post_modified`, `post_modified_gmt`, `post_content_filtered`, `post_parent`, `guid`, `menu_order`, `post_type`, `post_mime_type`, `comment_count`) VALUES
(731, 2, '2014-12-23 15:10:52', '2014-12-23 15:10:52', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated December 23, 2014 at 9:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2014-12-23 15:10:52', '2014-12-23 15:10:52', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(732, 2, '2014-12-24 16:14:58', '2014-12-24 16:14:58', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated December 24, 2014 at 9:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2014-12-24 16:14:58', '2014-12-24 16:14:58', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(734, 2, '2014-12-26 14:48:50', '2014-12-26 14:48:50', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated December 26, 2014 at 9:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\nThe', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2014-12-26 14:48:50', '2014-12-26 14:48:50', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(735, 2, '2014-12-29 14:53:18', '2014-12-29 14:53:18', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated December 29, 2014 at 9:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\nThe', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2014-12-29 14:53:18', '2014-12-29 14:53:18', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(736, 2, '2014-12-30 15:01:55', '2014-12-30 15:01:55', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated December 30, 2014 at 9:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\nThe', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2014-12-30 15:01:55', '2014-12-30 15:01:55', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(737, 2, '2014-12-31 14:59:05', '2014-12-31 14:59:05', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated December 31, 2014 at 9:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\nThe', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2014-12-31 14:59:05', '2014-12-31 14:59:05', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(738, 2, '2015-01-02 15:20:12', '2015-01-02 15:20:12', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated January 2, 2015 at 9:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\nThe', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-01-02 15:20:12', '2015-01-02 15:20:12', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(740, 2, '2015-01-05 14:50:11', '2015-01-05 14:50:11', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated January 5, 2015 at 9:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\nThe', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-01-05 14:50:11', '2015-01-05 14:50:11', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(741, 2, '2015-01-06 15:28:20', '2015-01-06 15:28:20', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated January 6, 2015 at 9:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\nThe', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-01-06 15:28:20', '2015-01-06 15:28:20', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(742, 2, '2015-01-07 15:33:00', '2015-01-07 15:33:00', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated January 7, 2015 at 9:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\nThe', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-01-07 15:33:00', '2015-01-07 15:33:00', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(743, 2, '2015-01-07 20:44:06', '2015-01-07 20:44:06', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated January 7, 2015 at 2:45 p.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\nThe', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-01-07 20:44:06', '2015-01-07 20:44:06', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(744, 2, '2015-01-07 20:44:09', '2015-01-07 20:44:09', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated January 7, 2015 at 2:30 p.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\nThe', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-01-07 20:44:09', '2015-01-07 20:44:09', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(745, 2, '2015-01-08 14:52:13', '2015-01-08 14:52:13', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated January 8, 2015 at 9:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\nThe', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-01-08 14:52:13', '2015-01-08 14:52:13', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(747, 2, '2015-01-09 14:59:53', '2015-01-09 14:59:53', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated January 9, 2015 at 9:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\nThe', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-01-09 14:59:53', '2015-01-09 14:59:53', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(748, 2, '2015-01-12 14:58:55', '2015-01-12 14:58:55', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated January 12, 2015 at 9:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\nThe', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-01-12 14:58:55', '2015-01-12 14:58:55', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(750, 2, '2015-01-13 14:57:43', '2015-01-13 14:57:43', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated January 13, 2015 at 9:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\nThe', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-01-13 14:57:43', '2015-01-13 14:57:43', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(751, 2, '2015-01-14 15:18:09', '2015-01-14 15:18:09', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated January 14, 2015 at 9:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\nThe', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-01-14 15:18:09', '2015-01-14 15:18:09', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(752, 2, '2015-01-15 15:42:11', '2015-01-15 15:42:11', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated January 15, 2015 at 9:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\nThe', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-01-15 15:42:11', '2015-01-15 15:42:11', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(753, 2, '2015-01-16 15:12:06', '2015-01-16 15:12:06', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated January 16, 2015 at 9:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\nThe', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-01-16 15:12:06', '2015-01-16 15:12:06', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(754, 2, '2015-01-16 17:28:31', '2015-01-16 17:28:31', 'Home is a place of comfort, refuge and rest. These feelings are amplified when you own your home, that is why homeownership is called \"The American Dream\".  Many people do not believe that they are eligible to purchase a home. REI Down Payment Assistance has down payment and/or closing cost assistance programs, which could be the key to you becoming a homeowner.\r\n\r\nREI Down Payment Assistance has helped more than 3,600 families achieve homeownership through our partnerships with mortgage lenders. These programs give mortgage lenders more tools in their tool belt to help eligible borrowers purchase the home of their dreams.\r\n\r\nHome...Where Life Begins! Let us help, whether you are a potential homebuyer or lender, click the appropriate links above to learn more.', 'Home... Where Life Begins!', '', 'inherit', 'open', 'open', '', '22-revision-v1', '', '', '2015-01-16 17:28:31', '2015-01-16 17:28:31', '', 22, 'http://reidownpayment.org/22-revision-v1/', 0, 'revision', '', 0),
(755, 2, '2015-01-20 15:17:40', '2015-01-20 15:17:40', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated January 20, 2015 at 9:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\nThe', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-01-20 15:17:40', '2015-01-20 15:17:40', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(757, 2, '2015-01-21 14:58:11', '2015-01-21 14:58:11', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated January 21, 2015 at 9:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\nThe', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-01-21 14:58:11', '2015-01-21 14:58:11', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(758, 2, '2015-01-22 14:53:41', '2015-01-22 14:53:41', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated January 22, 2015 at 9:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\nThe', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-01-22 14:53:41', '2015-01-22 14:53:41', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(759, 2, '2015-01-23 15:03:55', '2015-01-23 15:03:55', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated January 23, 2015 at 9:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\nThe', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-01-23 15:03:55', '2015-01-23 15:03:55', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(760, 2, '2015-01-26 14:55:01', '2015-01-26 14:55:01', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated January 26, 2015 at 9:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\nThe', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-01-26 14:55:01', '2015-01-26 14:55:01', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(761, 2, '2015-01-27 14:59:15', '2015-01-27 14:59:15', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated January 27, 2015 at 9:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\nThe', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-01-27 14:59:15', '2015-01-27 14:59:15', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(763, 2, '2015-01-28 15:03:56', '2015-01-28 15:03:56', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated January 28, 2015 at 9:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\nThe', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-01-28 15:03:56', '2015-01-28 15:03:56', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(765, 2, '2015-01-29 14:53:47', '2015-01-29 14:53:47', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated January 29, 2015 at 9:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\nThe', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-01-29 14:53:47', '2015-01-29 14:53:47', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(766, 2, '2015-01-30 14:59:19', '2015-01-30 14:59:19', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated January 30, 2015 at 9:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\nThe', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-01-30 14:59:19', '2015-01-30 14:59:19', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(767, 2, '2015-02-03 15:00:12', '2015-02-03 15:00:12', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated February 2, 2015 at 9:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\nThe', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-02-03 15:00:12', '2015-02-03 15:00:12', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(768, 2, '2015-02-03 15:00:19', '2015-02-03 15:00:19', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated February 3, 2015 at 9:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\nThe', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-02-03 15:00:19', '2015-02-03 15:00:19', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(769, 2, '2015-02-04 14:58:04', '2015-02-04 14:58:04', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated February 4, 2015 at 9:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\nThe', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-02-04 14:58:04', '2015-02-04 14:58:04', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(770, 2, '2015-02-05 14:55:24', '2015-02-05 14:55:24', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated February 5, 2015 at 9:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\nThe', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-02-05 14:55:24', '2015-02-05 14:55:24', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(772, 2, '2015-02-06 14:57:34', '2015-02-06 14:57:34', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated February 6, 2015 at 9:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\nThe', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-02-06 14:57:34', '2015-02-06 14:57:34', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(773, 2, '2015-02-09 15:11:42', '2015-02-09 15:11:42', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated February 9, 2015 at 9:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\nThe', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-02-09 15:11:42', '2015-02-09 15:11:42', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(774, 2, '2015-02-10 15:02:36', '2015-02-10 15:02:36', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated February 10, 2015 at 9:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\nThe', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-02-10 15:02:36', '2015-02-10 15:02:36', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(775, 2, '2015-02-11 14:55:50', '2015-02-11 14:55:50', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated February 11, 2015 at 9:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\nThe', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-02-11 14:55:50', '2015-02-11 14:55:50', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(776, 2, '2015-02-12 14:55:51', '2015-02-12 14:55:51', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated February 12, 2015 at 9:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\nThe', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-02-12 14:55:51', '2015-02-12 14:55:51', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(777, 2, '2015-02-13 15:11:12', '2015-02-13 15:11:12', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated February 12, 2015 at 9:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\nThe', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-02-13 15:11:12', '2015-02-13 15:11:12', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(778, 2, '2015-02-13 15:12:00', '2015-02-13 15:12:00', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated February 13, 2015 at 9:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\nThe', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-02-13 15:12:00', '2015-02-13 15:12:00', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(780, 2, '2015-02-17 14:59:38', '2015-02-17 14:59:38', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated February 17, 2015 at 9:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\nThe', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-02-17 14:59:38', '2015-02-17 14:59:38', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(781, 2, '2015-02-18 14:58:36', '2015-02-18 14:58:36', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated February 18, 2015 at 9:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\nThe', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-02-18 14:58:36', '2015-02-18 14:58:36', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(783, 2, '2015-02-20 15:01:40', '2015-02-20 15:01:40', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated February 20, 2015 at 9:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\nThe', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-02-20 15:01:40', '2015-02-20 15:01:40', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(784, 2, '2015-02-24 18:47:15', '2015-02-24 18:47:15', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated February 24, 2015 at 9:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\nThe', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-02-24 18:47:15', '2015-02-24 18:47:15', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(786, 2, '2015-02-25 14:59:22', '2015-02-25 14:59:22', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated February 25, 2015 at 9:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\nThe', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-02-25 14:59:22', '2015-02-25 14:59:22', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(787, 2, '2015-02-26 15:04:34', '2015-02-26 15:04:34', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated February 26, 2015 at 9:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\nThe', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-02-26 15:04:34', '2015-02-26 15:04:34', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(788, 2, '2015-02-26 17:59:27', '2015-02-26 17:59:27', '<b>REI GIFT100 PROGRAM</b>\r\n\r\nREI Down Payment Assistance invests in Oklahoma’s future by providing housing opportunities to low income individuals and families.  The new statewide REI Gift100 Program provides a competitive first mortgage and down payment and closing cost assistance to eligible mortgagors. The down payment is in the form of a gift, second liens or deed restrictions are not required for this program.\r\n\r\nThe program includes the following loan types:\r\n<ul>\r\n	<li>FHA – 203(b), 234(c) &amp; 203ks (lenders must have an additional approval from U.S. Bank to originate 203ks loans) – 30 year fixed rate</li>\r\n	<li>VA – 203(b) &amp; 234(c) – 30 year fixed rate</li>\r\n	<li>Rural Housing Guaranteed Loan – 30 year fixed rate</li>\r\n	<li>HUD Section 184 – 30 year fixed rate</li>\r\n</ul>\r\nRate/term refinance on any of the above loan products.<strong>\r\n</strong>\r\n\r\n<strong>Lenders:</strong> Lenders must be approved by U.S. Bank to participate in the REI Gift100 Program.  Interested lenders should contact U.S. Bank Help desk at 1-800-562-5165 or <a href=\"mailto:mrbp.helpdesk@usbank.com\" target=\"_blank\">mrbp.helpdesk@usbank.com</a>.  You can also contact Dena Sherrill, Housing Program Manager, REI Down Payment Assistance at 1-800-658-2823 or <a href=\"mailto:dsherrill@reiok.org\" target=\"_blank\">dsherrill@reiok.org</a> or Jeremy Layman, Housing Program Specialist at <a href=\"mailto:jlayman@reiok.org\" target=\"_blank\">jlayman@reiok.org</a>.\r\n<p align=\"center\"><b>***Third Party Origination is not allowed***</b></p>\r\n<strong>Program Highlights</strong>\r\n\r\n<strong>Structure:</strong>\r\nOption 1 - gift funds of 3.5% of the total loan amount\r\nOption 2 - gift funds of 5% of the total loan amount\r\n\r\nThe funds may be used to fund up to 100% of the Borrower\'s cash requirement to close, including the down payment, closing costs, pre-paid items and other related Mortgage Loan fees and expenses.  No portion of the gift funds can be paid to the Borrower unless the Borrower is being reimbursed for an overage of his/her earnest money deposit to the extent the minimum Borrower contribution has been satisfied.  Under the rate/term refinance option, any funds above the amount needed to pay the Borrower\'s loan related costs must be used to reduce the principal amount of the First Mortgage loan.\r\n\r\n<b>First Mortgage Origination Fee:  </b>Usual and customary as allowed by First Mortgage loan program.\r\n\r\n<strong>Interest rates:</strong> REI Down Payment Assistance will post First Mortgage interest rates by 9:00 a.m. C.S.T. daily on the Lender Portal at <a href=\"http://www.reigift100.org/\">www.reigift100.org</a>.  All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\n&nbsp;\r\n<p align=\"center\"><b>***Rates can be subject to intra-day pricing changes***</b></p>\r\n<strong>Income Limits:</strong> FHA, VA, &amp; HUD 184 - The Borrower\'s <strong>qualifying </strong>income must not exceed Program Income Limits.  Click on Area Median Income below to view income limits.  They can also be found in the Lender Portal at <a href=\"http://www.reigift100.org/\" target=\"_blank\">www.reigift100.org</a>.\r\n\r\nRural Development Loans - Income is based on Adjusted Household Income per Rural Development\'s Guidelines.  Income limits can be found by <a href=\"http://www.rurdev.usda.gov/SupportDocuments/OK%20GRH.pdf\" target=\"_blank\">clicking here</a>.\r\n\r\n<b>***Lenders will be responsible for ensuring that the income meets program guidelines.***</b>\r\n\r\n<strong>Credit Score:</strong> Minimum credit score of 640.\r\n\r\n<strong>Maximum DTI:</strong> 45%\r\n\r\n<strong>First Time Home Buyer:</strong> No first-time home buyer requirement.\r\n\r\n<strong>Home Buyer Education:</strong> Recommended but not required.\r\n\r\n<strong>Lender Compensation, Fees, and Purchase:</strong> Please review the Program Summary and Program Guidelines below for compensation, loan fees, and purchase requirements.  These documents can also be found on the Lender Portal at <a href=\"http://www.reigift100.org/\" target=\"_blank\">www.reigift100.org</a>.\r\n\r\n<strong>Forms:</strong>\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/10/REI-Gift100-Program-Summary-14-10-15.pdf\" target=\"_blank\">REI Gift100 Program Summary</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/04/2014-Area-Median-Incomes-Gift-100-Program.pdf\" target=\"_blank\">2014 Area Median Income - Gift100 Program</a></li>\r\n	<li><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a></li>\r\n</ul>\r\n<strong>US Bank Forms &amp; Bulletins:</strong>\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/05/USB-002-DPA-Form.pdf\" target=\"_blank\">Down Payment Assistance Form</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/05/MRBP-Government-Loan-Delivery-Checklist-pg-1.pdf\" target=\"_blank\">Delivery Checklist Form</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/05/MRB-Funding-Fee-Increase-2014-37.pdf\" target=\"_blank\">Funding Fee Increase Bulletin 2014-37</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/05/Loan-Review-Process-Reminders-2014-26.pdf\" target=\"_blank\">Loan Review Process Bulletin 2014-26</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/06/MRBP-Compliance-Audit-Reminders-2014-40.pdf\" target=\"_blank\">MRBP Compliance Audit Reminder 2014-40</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/06/MRBP_Compliance_Reminders-2014-39.pdf\" target=\"_blank\">MRBP Compliance Reminders 2014-39</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/07/MRBP-Flood-Insurance-Requirements-2014-41.pdf\" target=\"_blank\">MRBP Flood Insurance Requirements 2014-41</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/07/MRBP-Dodd-Frank-Reminders-2014-42.pdf\" target=\"_blank\">MRBP Dodd-Frank Reminders 2014-42</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/07/NMLS-Requirement-Bulletin-2014-43.pdf\" target=\"_blank\">NMLS Requirement Bulletin 2014-43</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/09/Revised-Communications-Bulletin-2014-48.pdf\" target=\"_blank\"><span class=\"title\">Revised Communications Bulletin 2014-48</span></a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/10/USDA-Annual-Fee-Change-2014-50.pdf\" target=\"_blank\">USDA Annual Fee Change 2014-50</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/11/Amendatory-Clause-LOU-HFA-2.pdf\" target=\"_blank\">Amendatory Clause LOU - HFA 2</a></li>\r\n</ul>', 'REI Gift100 Program', '', 'inherit', 'open', 'open', '', '431-revision-v1', '', '', '2015-02-26 17:59:27', '2015-02-26 17:59:27', '', 431, 'http://reidownpayment.org/431-revision-v1/', 0, 'revision', '', 0);
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(789, 2, '2015-02-27 15:06:07', '2015-02-27 15:06:07', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated February 27, 2015 at 9:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\nThe', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-02-27 15:06:07', '2015-02-27 15:06:07', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(790, 2, '2015-02-27 15:17:19', '2015-02-27 15:17:19', '', 'REI Manual revised 10-14-14', '', 'inherit', 'open', 'open', '', 'rei-manual-revised-10-14-14', '', '', '2015-02-27 15:17:19', '2015-02-27 15:17:19', '', 0, 'http://reidownpayment.org/wp/wp-content/uploads/2015/02/REI-Manual-revised-10-14-14.pdf', 0, 'attachment', 'application/pdf', 0),
(791, 2, '2015-02-27 15:18:51', '2015-02-27 15:18:51', '<b>REI GIFT100 PROGRAM</b>\r\n\r\nREI Down Payment Assistance invests in Oklahoma’s future by providing housing opportunities to low income individuals and families.  The new statewide REI Gift100 Program provides a competitive first mortgage and down payment and closing cost assistance to eligible mortgagors. The down payment is in the form of a gift, second liens or deed restrictions are not required for this program.\r\n\r\nThe program includes the following loan types:\r\n<ul>\r\n	<li>FHA – 203(b), 234(c) &amp; 203ks (lenders must have an additional approval from U.S. Bank to originate 203ks loans) – 30 year fixed rate</li>\r\n	<li>VA – 203(b) &amp; 234(c) – 30 year fixed rate</li>\r\n	<li>Rural Housing Guaranteed Loan – 30 year fixed rate</li>\r\n	<li>HUD Section 184 – 30 year fixed rate</li>\r\n</ul>\r\nRate/term refinance on any of the above loan products.<strong>\r\n</strong>\r\n\r\n<strong>Lenders:</strong> Lenders must be approved by U.S. Bank to participate in the REI Gift100 Program.  Interested lenders should contact U.S. Bank Help desk at 1-800-562-5165 or <a href=\"mailto:mrbp.helpdesk@usbank.com\" target=\"_blank\">mrbp.helpdesk@usbank.com</a>.  You can also contact Dena Sherrill, Housing Program Manager, REI Down Payment Assistance at 1-800-658-2823 or <a href=\"mailto:dsherrill@reiok.org\" target=\"_blank\">dsherrill@reiok.org</a> or Jeremy Layman, Housing Program Specialist at <a href=\"mailto:jlayman@reiok.org\" target=\"_blank\">jlayman@reiok.org</a>.\r\n<p align=\"center\"><b>***Third Party Origination is not allowed***</b></p>\r\n<strong>Program Highlights</strong>\r\n\r\n<strong>Structure:</strong>\r\nOption 1 - gift funds of 3.5% of the total loan amount\r\nOption 2 - gift funds of 5% of the total loan amount\r\n\r\nThe funds may be used to fund up to 100% of the Borrower\'s cash requirement to close, including the down payment, closing costs, pre-paid items and other related Mortgage Loan fees and expenses.  No portion of the gift funds can be paid to the Borrower unless the Borrower is being reimbursed for an overage of his/her earnest money deposit to the extent the minimum Borrower contribution has been satisfied.  Under the rate/term refinance option, any funds above the amount needed to pay the Borrower\'s loan related costs must be used to reduce the principal amount of the First Mortgage loan.\r\n\r\n<b>First Mortgage Origination Fee:  </b>Usual and customary as allowed by First Mortgage loan program.\r\n\r\n<strong>Interest rates:</strong> REI Down Payment Assistance will post First Mortgage interest rates by 9:00 a.m. C.S.T. daily on the Lender Portal at <a href=\"http://www.reigift100.org/\">www.reigift100.org</a>.  All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\n&nbsp;\r\n<p align=\"center\"><b>***Rates can be subject to intra-day pricing changes***</b></p>\r\n<strong>Income Limits:</strong> FHA, VA, &amp; HUD 184 - The Borrower\'s <strong>qualifying </strong>income must not exceed Program Income Limits.  Click on Area Median Income below to view income limits.  They can also be found in the Lender Portal at <a href=\"http://www.reigift100.org/\" target=\"_blank\">www.reigift100.org</a>.\r\n\r\nRural Development Loans - Income is based on Adjusted Household Income per Rural Development\'s Guidelines.  Income limits can be found by <a href=\"http://www.rurdev.usda.gov/SupportDocuments/OK%20GRH.pdf\" target=\"_blank\">clicking here</a>.\r\n\r\n<b>***Lenders will be responsible for ensuring that the income meets program guidelines.***</b>\r\n\r\n<strong>Credit Score:</strong> Minimum credit score of 640.\r\n\r\n<strong>Maximum DTI:</strong> 45%\r\n\r\n<strong>First Time Home Buyer:</strong> No first-time home buyer requirement.\r\n\r\n<strong>Home Buyer Education:</strong> Recommended but not required.\r\n\r\n<strong>Lender Compensation, Fees, and Purchase:</strong> Please review the Program Summary and Program Guidelines below for compensation, loan fees, and purchase requirements.  These documents can also be found on the Lender Portal at <a href=\"http://www.reigift100.org/\" target=\"_blank\">www.reigift100.org</a>.\r\n\r\n<strong>Forms:</strong>\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/10/REI-Gift100-Program-Summary-14-10-15.pdf\" target=\"_blank\">REI Gift100 Program Summary</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/04/2014-Area-Median-Incomes-Gift-100-Program.pdf\" target=\"_blank\">2014 Area Median Income - Gift100 Program</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2015/02/REI-Manual-revised-10-14-14.pdf\" target=\"_blank\">REI Gift100 Program Guidelines</a></li>\r\n	<li><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a></li>\r\n</ul>\r\n<strong>US Bank Forms &amp; Bulletins:</strong>\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/05/USB-002-DPA-Form.pdf\" target=\"_blank\">Down Payment Assistance Form</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/05/MRBP-Government-Loan-Delivery-Checklist-pg-1.pdf\" target=\"_blank\">Delivery Checklist Form</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/05/MRB-Funding-Fee-Increase-2014-37.pdf\" target=\"_blank\">Funding Fee Increase Bulletin 2014-37</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/05/Loan-Review-Process-Reminders-2014-26.pdf\" target=\"_blank\">Loan Review Process Bulletin 2014-26</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/06/MRBP-Compliance-Audit-Reminders-2014-40.pdf\" target=\"_blank\">MRBP Compliance Audit Reminder 2014-40</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/06/MRBP_Compliance_Reminders-2014-39.pdf\" target=\"_blank\">MRBP Compliance Reminders 2014-39</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/07/MRBP-Flood-Insurance-Requirements-2014-41.pdf\" target=\"_blank\">MRBP Flood Insurance Requirements 2014-41</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/07/MRBP-Dodd-Frank-Reminders-2014-42.pdf\" target=\"_blank\">MRBP Dodd-Frank Reminders 2014-42</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/07/NMLS-Requirement-Bulletin-2014-43.pdf\" target=\"_blank\">NMLS Requirement Bulletin 2014-43</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/09/Revised-Communications-Bulletin-2014-48.pdf\" target=\"_blank\"><span class=\"title\">Revised Communications Bulletin 2014-48</span></a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/10/USDA-Annual-Fee-Change-2014-50.pdf\" target=\"_blank\">USDA Annual Fee Change 2014-50</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/11/Amendatory-Clause-LOU-HFA-2.pdf\" target=\"_blank\">Amendatory Clause LOU - HFA 2</a></li>\r\n</ul>', 'REI Gift100 Program', '', 'inherit', 'open', 'open', '', '431-revision-v1', '', '', '2015-02-27 15:18:51', '2015-02-27 15:18:51', '', 431, 'http://reidownpayment.org/431-revision-v1/', 0, 'revision', '', 0),
(792, 2, '2015-03-02 15:07:34', '2015-03-02 15:07:34', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated March 2, 2015 at 9:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\nThe', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-03-02 15:07:34', '2015-03-02 15:07:34', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(793, 2, '2015-03-03 15:12:53', '2015-03-03 15:12:53', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated March 3, 2015 at 9:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\nThe', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-03-03 15:12:53', '2015-03-03 15:12:53', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(794, 2, '2015-03-04 15:02:10', '2015-03-04 15:02:10', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated March 4, 2015 at 9:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\nThe', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-03-04 15:02:10', '2015-03-04 15:02:10', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(796, 2, '2015-03-06 15:11:39', '2015-03-06 15:11:39', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated March 6, 2015 at 9:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\nThe', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-03-06 15:11:39', '2015-03-06 15:11:39', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(797, 2, '2015-03-06 15:11:39', '2015-03-06 15:11:39', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated March 6, 2015 at 9:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\nThe', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-03-06 15:11:39', '2015-03-06 15:11:39', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(798, 2, '2015-03-09 14:16:08', '2015-03-09 14:16:08', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated March 9, 2015 at 9:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-03-09 14:16:08', '2015-03-09 14:16:08', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(799, 2, '2015-03-10 13:46:24', '2015-03-10 13:46:24', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated March 10, 2015 at 9:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-03-10 13:46:24', '2015-03-10 13:46:24', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(800, 2, '2015-03-11 14:11:30', '2015-03-11 14:11:30', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated March 11, 2015 at 9:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-03-11 14:11:30', '2015-03-11 14:11:30', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(801, 2, '2015-03-12 14:22:17', '2015-03-12 14:22:17', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated March 12, 2015 at 9:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-03-12 14:22:17', '2015-03-12 14:22:17', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(802, 2, '2015-03-13 14:28:56', '2015-03-13 14:28:56', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated March 13, 2015 at 9:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-03-13 14:28:56', '2015-03-13 14:28:56', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(804, 2, '2015-03-16 14:01:50', '2015-03-16 14:01:50', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated March 16, 2015 at 9:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-03-16 14:01:50', '2015-03-16 14:01:50', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(805, 2, '2015-03-16 15:00:47', '2015-03-16 15:00:47', '<h3></h3>\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/11/dena-mug.jpg\"><img class=\"size-full wp-image-45 alignleft\" style=\"margin-top: 0;\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/11/dena-mug.jpg\" alt=\"dena\" width=\"258\" height=\"260\" /></a>\r\n<h3></h3>\r\n<h3>Dena Sherrill</h3>\r\nHousing Manager\r\n<a href=\"mailto:dsherrill@reiok.org\">dsherrill@reiok.org</a>\r\n\r\n&nbsp;\r\n\r\n&nbsp;\r\n<div class=\"clearfix\"></div>\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/11/Jeremy-mug.jpg\"><img class=\"size-medium wp-image-46 alignleft\" style=\"margin-top: 40px;\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/11/Jeremy-mug.jpg\" alt=\"staff-2\" width=\"258\" height=\"260\" /></a>\r\n<h3>Jeremy Layman</h3>\r\nSr. Housing Program Specialist\r\n<a href=\"mailto:jlayman@reiok.org\">jlayman@reiok.org</a>\r\n\r\n&nbsp;\r\n\r\n&nbsp;\r\n<div class=\"clearfix\"></div>\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/11/linda-mug.jpg\"><img class=\"size-full wp-image-47 alignleft\" style=\"margin-top: 40px;\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/11/linda-mug.jpg\" alt=\"staff-3\" width=\"258\" height=\"261\" /></a>\r\n<h3>Linda Davis</h3>\r\nHousing Coordinator\r\n<a href=\"mailto:ldavis@reiok.org\">ldavis@reiok.org</a>\r\n\r\n&nbsp;\r\n<div class=\"clearfix\"></div>\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/08/alyssa-bowen.jpg\"><img class=\"size-full wp-image-47 alignleft\" style=\"margin-top: 40px;\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2014/08/alyssa-bowen.jpg\" alt=\"staff-3\" width=\"258\" height=\"261\" /></a>\r\n<h3>Alyssa Bowen</h3>\r\nHousing Program Specialist\r\n<a href=\"mailto:abowen@reiok.org\">abowen@reiok.org</a>\r\n\r\n&nbsp;\r\n\r\n&nbsp;\r\n\r\n&nbsp;\r\n\r\n&nbsp;\r\n\r\n<em>REI Oklahoma is an equal opportunity employer.</em>', 'Staff', '', 'inherit', 'open', 'open', '', '9-revision-v1', '', '', '2015-03-16 15:00:47', '2015-03-16 15:00:47', '', 9, 'http://reidownpayment.org/9-revision-v1/', 0, 'revision', '', 0),
(806, 2, '2015-03-17 14:06:27', '2015-03-17 14:06:27', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated March 17, 2015 at 9:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-03-17 14:06:27', '2015-03-17 14:06:27', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(807, 2, '2015-03-18 13:58:47', '2015-03-18 13:58:47', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated March 18, 2015 at 9:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-03-18 13:58:47', '2015-03-18 13:58:47', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(808, 2, '2015-03-19 13:45:24', '2015-03-19 13:45:24', '', '2015 Area Median Incomes - Gift 100 Program', '', 'inherit', 'open', 'open', '', '2015-area-median-incomes-gift-100-program', '', '', '2015-03-19 13:45:24', '2015-03-19 13:45:24', '', 0, 'http://reidownpayment.org/wp/wp-content/uploads/2015/03/2015-Area-Median-Incomes-Gift-100-Program.pdf', 0, 'attachment', 'application/pdf', 0),
(809, 2, '2015-03-19 13:45:27', '2015-03-19 13:45:27', '', 'REI Gift100 Program Summary 15.03.18', '', 'inherit', 'open', 'open', '', 'rei-gift100-program-summary-15-03-18', '', '', '2015-03-19 13:45:27', '2015-03-19 13:45:27', '', 0, 'http://reidownpayment.org/wp/wp-content/uploads/2015/03/REI-Gift100-Program-Summary-15.03.18.pdf', 0, 'attachment', 'application/pdf', 0),
(810, 2, '2015-03-19 13:49:30', '2015-03-19 13:49:30', '<b>REI GIFT100 PROGRAM</b>\r\n\r\nREI Down Payment Assistance invests in Oklahoma’s future by providing housing opportunities to low income individuals and families.  The new statewide REI Gift100 Program provides a competitive first mortgage and down payment and closing cost assistance to eligible mortgagors. The down payment is in the form of a gift, second liens or deed restrictions are not required for this program.\r\n\r\nThe program includes the following loan types:\r\n<ul>\r\n	<li>FHA – 203(b), 234(c) &amp; 203ks (lenders must have an additional approval from U.S. Bank to originate 203ks loans) – 30 year fixed rate</li>\r\n	<li>VA – 203(b) &amp; 234(c) – 30 year fixed rate</li>\r\n	<li>Rural Housing Guaranteed Loan – 30 year fixed rate</li>\r\n	<li>HUD Section 184 – 30 year fixed rate</li>\r\n</ul>\r\nRate/term refinance on any of the above loan products.<strong>\r\n</strong>\r\n\r\n<strong>Lenders:</strong> Lenders must be approved by U.S. Bank to participate in the REI Gift100 Program.  Interested lenders should contact U.S. Bank Help desk at 1-800-562-5165 or <a href=\"mailto:mrbp.helpdesk@usbank.com\" target=\"_blank\">mrbp.helpdesk@usbank.com</a>.  You can also contact Dena Sherrill, Housing Program Manager, REI Down Payment Assistance at 1-800-658-2823 or <a href=\"mailto:dsherrill@reiok.org\" target=\"_blank\">dsherrill@reiok.org</a> or Jeremy Layman, Housing Program Specialist at <a href=\"mailto:jlayman@reiok.org\" target=\"_blank\">jlayman@reiok.org</a>.\r\n<p align=\"center\"><b>***Third Party Origination is not allowed***</b></p>\r\n<strong>Program Highlights</strong>\r\n\r\n<strong>Structure:</strong>\r\nOption 1 - gift funds of 3.5% of the total loan amount\r\nOption 2 - gift funds of 5% of the total loan amount\r\n\r\nThe funds may be used to fund up to 100% of the Borrower\'s cash requirement to close, including the down payment, closing costs, pre-paid items and other related Mortgage Loan fees and expenses.  No portion of the gift funds can be paid to the Borrower unless the Borrower is being reimbursed for an overage of his/her earnest money deposit to the extent the minimum Borrower contribution has been satisfied.  Under the rate/term refinance option, any funds above the amount needed to pay the Borrower\'s loan related costs must be used to reduce the principal amount of the First Mortgage loan.\r\n\r\n<b>First Mortgage Origination Fee:  </b>Usual and customary as allowed by First Mortgage loan program.\r\n\r\n<strong>Interest rates:</strong> REI Down Payment Assistance will post First Mortgage interest rates by 9:00 a.m. C.S.T. daily on the Lender Portal at <a href=\"http://www.reigift100.org/\">www.reigift100.org</a>.  All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\n&nbsp;\r\n<p align=\"center\"><b>***Rates can be subject to intra-day pricing changes***</b></p>\r\n<strong>Income Limits:</strong> FHA, VA, &amp; HUD 184 - The Borrower\'s <strong>qualifying </strong>income must not exceed Program Income Limits.  Click on Area Median Income below to view income limits.  They can also be found in the Lender Portal at <a href=\"http://www.reigift100.org/\" target=\"_blank\">www.reigift100.org</a>.\r\n\r\nRural Development Loans - Income is based on Adjusted Household Income per Rural Development\'s Guidelines.  Income limits can be found by <a href=\"http://www.rurdev.usda.gov/SupportDocuments/OK%20GRH.pdf\" target=\"_blank\">clicking here</a>.\r\n\r\n<b>***Lenders will be responsible for ensuring that the income meets program guidelines.***</b>\r\n\r\n<strong>Credit Score:</strong> Minimum credit score of 640.\r\n\r\n<strong>Maximum DTI:</strong> 45%\r\n\r\n<strong>First Time Home Buyer:</strong> No first-time home buyer requirement.\r\n\r\n<strong>Home Buyer Education:</strong> Recommended but not required.\r\n\r\n<strong>Lender Compensation, Fees, and Purchase:</strong> Please review the Program Summary and Program Guidelines below for compensation, loan fees, and purchase requirements.  These documents can also be found on the Lender Portal at <a href=\"http://www.reigift100.org/\" target=\"_blank\">www.reigift100.org</a>.\r\n\r\n<strong>Forms:</strong>\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/10/REI-Gift100-Program-Summary-14-10-15.pdf\" target=\"_blank\">REI Gift100 Program Summary</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2015/03/2015-Area-Median-Incomes-Gift-100-Program.pdf\" target=\"_blank\">2014 Area Median Income - Gift100 Program</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2015/02/REI-Manual-revised-10-14-14.pdf\" target=\"_blank\">REI Gift100 Program Guidelines</a></li>\r\n	<li><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a></li>\r\n</ul>\r\n<strong>US Bank Forms &amp; Bulletins:</strong>\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/05/USB-002-DPA-Form.pdf\" target=\"_blank\">Down Payment Assistance Form</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/05/MRBP-Government-Loan-Delivery-Checklist-pg-1.pdf\" target=\"_blank\">Delivery Checklist Form</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/05/MRB-Funding-Fee-Increase-2014-37.pdf\" target=\"_blank\">Funding Fee Increase Bulletin 2014-37</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/05/Loan-Review-Process-Reminders-2014-26.pdf\" target=\"_blank\">Loan Review Process Bulletin 2014-26</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/06/MRBP-Compliance-Audit-Reminders-2014-40.pdf\" target=\"_blank\">MRBP Compliance Audit Reminder 2014-40</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/06/MRBP_Compliance_Reminders-2014-39.pdf\" target=\"_blank\">MRBP Compliance Reminders 2014-39</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/07/MRBP-Flood-Insurance-Requirements-2014-41.pdf\" target=\"_blank\">MRBP Flood Insurance Requirements 2014-41</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/07/MRBP-Dodd-Frank-Reminders-2014-42.pdf\" target=\"_blank\">MRBP Dodd-Frank Reminders 2014-42</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/07/NMLS-Requirement-Bulletin-2014-43.pdf\" target=\"_blank\">NMLS Requirement Bulletin 2014-43</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/09/Revised-Communications-Bulletin-2014-48.pdf\" target=\"_blank\"><span class=\"title\">Revised Communications Bulletin 2014-48</span></a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/10/USDA-Annual-Fee-Change-2014-50.pdf\" target=\"_blank\">USDA Annual Fee Change 2014-50</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/11/Amendatory-Clause-LOU-HFA-2.pdf\" target=\"_blank\">Amendatory Clause LOU - HFA 2</a></li>\r\n</ul>', 'REI Gift100 Program', '', 'inherit', 'open', 'open', '', '431-revision-v1', '', '', '2015-03-19 13:49:30', '2015-03-19 13:49:30', '', 431, 'http://reidownpayment.org/431-revision-v1/', 0, 'revision', '', 0),
(811, 2, '2015-03-19 13:50:35', '2015-03-19 13:50:35', '<b>REI GIFT100 PROGRAM</b>\r\n\r\nREI Down Payment Assistance invests in Oklahoma’s future by providing housing opportunities to low income individuals and families.  The new statewide REI Gift100 Program provides a competitive first mortgage and down payment and closing cost assistance to eligible mortgagors. The down payment is in the form of a gift, second liens or deed restrictions are not required for this program.\r\n\r\nThe program includes the following loan types:\r\n<ul>\r\n	<li>FHA – 203(b), 234(c) &amp; 203ks (lenders must have an additional approval from U.S. Bank to originate 203ks loans) – 30 year fixed rate</li>\r\n	<li>VA – 203(b) &amp; 234(c) – 30 year fixed rate</li>\r\n	<li>Rural Housing Guaranteed Loan – 30 year fixed rate</li>\r\n	<li>HUD Section 184 – 30 year fixed rate</li>\r\n</ul>\r\nRate/term refinance on any of the above loan products.<strong>\r\n</strong>\r\n\r\n<strong>Lenders:</strong> Lenders must be approved by U.S. Bank to participate in the REI Gift100 Program.  Interested lenders should contact U.S. Bank Help desk at 1-800-562-5165 or <a href=\"mailto:mrbp.helpdesk@usbank.com\" target=\"_blank\">mrbp.helpdesk@usbank.com</a>.  You can also contact Dena Sherrill, Housing Program Manager, REI Down Payment Assistance at 1-800-658-2823 or <a href=\"mailto:dsherrill@reiok.org\" target=\"_blank\">dsherrill@reiok.org</a> or Jeremy Layman, Housing Program Specialist at <a href=\"mailto:jlayman@reiok.org\" target=\"_blank\">jlayman@reiok.org</a>.\r\n<p align=\"center\"><b>***Third Party Origination is not allowed***</b></p>\r\n<strong>Program Highlights</strong>\r\n\r\n<strong>Structure:</strong>\r\nOption 1 - gift funds of 3.5% of the total loan amount\r\nOption 2 - gift funds of 5% of the total loan amount\r\n\r\nThe funds may be used to fund up to 100% of the Borrower\'s cash requirement to close, including the down payment, closing costs, pre-paid items and other related Mortgage Loan fees and expenses.  No portion of the gift funds can be paid to the Borrower unless the Borrower is being reimbursed for an overage of his/her earnest money deposit to the extent the minimum Borrower contribution has been satisfied.  Under the rate/term refinance option, any funds above the amount needed to pay the Borrower\'s loan related costs must be used to reduce the principal amount of the First Mortgage loan.\r\n\r\n<b>First Mortgage Origination Fee:  </b>Usual and customary as allowed by First Mortgage loan program.\r\n\r\n<strong>Interest rates:</strong> REI Down Payment Assistance will post First Mortgage interest rates by 9:00 a.m. C.S.T. daily on the Lender Portal at <a href=\"http://www.reigift100.org/\">www.reigift100.org</a>.  All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\n&nbsp;\r\n<p align=\"center\"><b>***Rates can be subject to intra-day pricing changes***</b></p>\r\n<strong>Income Limits:</strong> FHA, VA, &amp; HUD 184 - The Borrower\'s <strong>qualifying </strong>income must not exceed Program Income Limits.  Click on Area Median Income below to view income limits.  They can also be found in the Lender Portal at <a href=\"http://www.reigift100.org/\" target=\"_blank\">www.reigift100.org</a>.\r\n\r\nRural Development Loans - Income is based on Adjusted Household Income per Rural Development\'s Guidelines.  Income limits can be found by <a href=\"http://www.rurdev.usda.gov/SupportDocuments/OK%20GRH.pdf\" target=\"_blank\">clicking here</a>.\r\n\r\n<b>***Lenders will be responsible for ensuring that the income meets program guidelines.***</b>\r\n\r\n<strong>Credit Score:</strong> Minimum credit score of 640.\r\n\r\n<strong>Maximum DTI:</strong> 45%\r\n\r\n<strong>First Time Home Buyer:</strong> No first-time home buyer requirement.\r\n\r\n<strong>Home Buyer Education:</strong> Recommended but not required.\r\n\r\n<strong>Lender Compensation, Fees, and Purchase:</strong> Please review the Program Summary and Program Guidelines below for compensation, loan fees, and purchase requirements.  These documents can also be found on the Lender Portal at <a href=\"http://www.reigift100.org/\" target=\"_blank\">www.reigift100.org</a>.\r\n\r\n<strong>Forms:</strong>\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2015/03/REI-Gift100-Program-Summary-15.03.18.pdf\" target=\"_blank\">REI Gift100 Program Summary</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2015/03/2015-Area-Median-Incomes-Gift-100-Program.pdf\" target=\"_blank\">2014 Area Median Income - Gift100 Program</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2015/02/REI-Manual-revised-10-14-14.pdf\" target=\"_blank\">REI Gift100 Program Guidelines</a></li>\r\n	<li><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a></li>\r\n</ul>\r\n<strong>US Bank Forms &amp; Bulletins:</strong>\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/05/USB-002-DPA-Form.pdf\" target=\"_blank\">Down Payment Assistance Form</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/05/MRBP-Government-Loan-Delivery-Checklist-pg-1.pdf\" target=\"_blank\">Delivery Checklist Form</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/05/MRB-Funding-Fee-Increase-2014-37.pdf\" target=\"_blank\">Funding Fee Increase Bulletin 2014-37</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/05/Loan-Review-Process-Reminders-2014-26.pdf\" target=\"_blank\">Loan Review Process Bulletin 2014-26</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/06/MRBP-Compliance-Audit-Reminders-2014-40.pdf\" target=\"_blank\">MRBP Compliance Audit Reminder 2014-40</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/06/MRBP_Compliance_Reminders-2014-39.pdf\" target=\"_blank\">MRBP Compliance Reminders 2014-39</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/07/MRBP-Flood-Insurance-Requirements-2014-41.pdf\" target=\"_blank\">MRBP Flood Insurance Requirements 2014-41</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/07/MRBP-Dodd-Frank-Reminders-2014-42.pdf\" target=\"_blank\">MRBP Dodd-Frank Reminders 2014-42</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/07/NMLS-Requirement-Bulletin-2014-43.pdf\" target=\"_blank\">NMLS Requirement Bulletin 2014-43</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/09/Revised-Communications-Bulletin-2014-48.pdf\" target=\"_blank\"><span class=\"title\">Revised Communications Bulletin 2014-48</span></a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/10/USDA-Annual-Fee-Change-2014-50.pdf\" target=\"_blank\">USDA Annual Fee Change 2014-50</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/11/Amendatory-Clause-LOU-HFA-2.pdf\" target=\"_blank\">Amendatory Clause LOU - HFA 2</a></li>\r\n</ul>', 'REI Gift100 Program', '', 'inherit', 'open', 'open', '', '431-revision-v1', '', '', '2015-03-19 13:50:35', '2015-03-19 13:50:35', '', 431, 'http://reidownpayment.org/431-revision-v1/', 0, 'revision', '', 0),
(812, 2, '2015-03-19 13:59:26', '2015-03-19 13:59:26', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated March 19, 2015 at 9:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-03-19 13:59:26', '2015-03-19 13:59:26', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(813, 2, '2015-03-20 14:00:26', '2015-03-20 14:00:26', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated March 20, 2015 at 9:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-03-20 14:00:26', '2015-03-20 14:00:26', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(814, 2, '2015-03-23 14:04:48', '2015-03-23 14:04:48', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated March 23, 2015 at 9:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-03-23 14:04:48', '2015-03-23 14:04:48', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(816, 2, '2015-03-24 13:56:39', '2015-03-24 13:56:39', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated March 24, 2015 at 9:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-03-24 13:56:39', '2015-03-24 13:56:39', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(817, 2, '2015-03-25 13:39:49', '2015-03-25 13:39:49', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated March 25, 2015 at 9:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-03-25 13:39:49', '2015-03-25 13:39:49', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(818, 2, '2015-03-26 14:05:43', '2015-03-26 14:05:43', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated March 26, 2015 at 9:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-03-26 14:05:43', '2015-03-26 14:05:43', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(819, 2, '2015-03-27 14:09:23', '2015-03-27 14:09:23', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated March 27, 2015 at 9:00 a.m.\r\n\r\nAll loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-03-27 14:09:23', '2015-03-27 14:09:23', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
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(821, 2, '2015-03-27 14:53:43', '2015-03-27 14:53:43', '', '1 - Non-Residential Structure Discl. and Ins. Change - HFA', '', 'inherit', 'open', 'open', '', '1-non-residential-structure-discl-and-ins-change-hfa', '', '', '2015-03-27 14:53:43', '2015-03-27 14:53:43', '', 0, 'http://reidownpayment.org/wp/wp-content/uploads/2015/03/1-Non-Residential-Structure-Discl.-and-Ins.-Change-HFA.pdf', 0, 'attachment', 'application/pdf', 0);
