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(822, 2, '2015-03-27 14:54:19', '2015-03-27 14:54:19', '<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<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	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2015/03/1-Non-Residential-Structure-Discl.-and-Ins.-Change-HFA.pdf\" target=\"_blank\">HFIAA Flood Disclosure and Insurance Reminder</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2015/03/Dodd-Frank-Compliance-Ln2014-42.pdf\" target=\"_blank\">Dodd-Frank Compliance</a></li>\r\n</ul>\r\n</ul>', 'REI Gift100 Program', '', 'inherit', 'open', 'open', '', '431-revision-v1', '', '', '2015-03-27 14:54:19', '2015-03-27 14:54:19', '', 431, 'http://reidownpayment.org/431-revision-v1/', 0, 'revision', '', 0),
(823, 2, '2015-03-30 13:56:01', '2015-03-30 13:56:01', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated March 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\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-03-30 13:56:01', '2015-03-30 13:56:01', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(824, 2, '2015-03-31 14:13:34', '2015-03-31 14:13:34', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated March 31, 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', '', '', '2015-03-31 14:13:34', '2015-03-31 14:13:34', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(826, 2, '2015-04-01 13:56:27', '2015-04-01 13:56:27', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated April 1, 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', '', '', '2015-04-01 13:56:27', '2015-04-01 13:56:27', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(827, 2, '2015-04-02 13:44:53', '2015-04-02 13:44:53', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated April 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\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-04-02 13:44:53', '2015-04-02 13:44:53', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(828, 2, '2015-04-03 14:37:03', '2015-04-03 14:37:03', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated April 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\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-04-03 14:37:03', '2015-04-03 14:37:03', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(829, 2, '2015-04-06 13:55:33', '2015-04-06 13:55:33', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated April 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\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-04-06 13:55:33', '2015-04-06 13:55:33', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(830, 2, '2015-04-07 13:58:49', '2015-04-07 13:58:49', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated April 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\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-04-07 13:58:49', '2015-04-07 13:58:49', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(831, 2, '2015-04-08 14:24:53', '2015-04-08 14:24:53', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated April 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\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-04-08 14:24:53', '2015-04-08 14:24:53', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(833, 2, '2015-04-09 14:02:12', '2015-04-09 14:02:12', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated April 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', '', '', '2015-04-09 14:02:12', '2015-04-09 14:02:12', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(834, 2, '2015-04-10 14:02:51', '2015-04-10 14:02:51', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated April 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', '', '', '2015-04-10 14:02:51', '2015-04-10 14:02:51', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(835, 2, '2015-04-13 14:01:40', '2015-04-13 14:01:40', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated April 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', '', '', '2015-04-13 14:01:40', '2015-04-13 14:01:40', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(836, 2, '2015-04-14 14:01:31', '2015-04-14 14:01:31', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated April 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\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-04-14 14:01:31', '2015-04-14 14:01:31', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(837, 2, '2015-04-15 13:54:48', '2015-04-15 13:54:48', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated April 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\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-04-15 13:54:48', '2015-04-15 13:54:48', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(838, 2, '2015-04-16 13:52:11', '2015-04-16 13:52:11', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated April 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', '', '', '2015-04-16 13:52:11', '2015-04-16 13:52:11', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(840, 2, '2015-04-17 14:03:48', '2015-04-17 14:03:48', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated April 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', '', '', '2015-04-17 14:03:48', '2015-04-17 14:03:48', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(841, 2, '2015-04-20 14:13:10', '2015-04-20 14:13:10', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated April 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', '', '', '2015-04-20 14:13:10', '2015-04-20 14:13:10', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(842, 2, '2015-04-21 13:09:09', '2015-04-21 13:09:09', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated April 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\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-04-21 13:09:09', '2015-04-21 13:09:09', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(843, 2, '2015-04-23 13:58:28', '2015-04-23 13:58:28', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated April 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', '', '', '2015-04-23 13:58:28', '2015-04-23 13:58:28', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(845, 2, '2015-04-27 13:58:53', '2015-04-27 13:58:53', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated April 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', '', '', '2015-04-27 13:58:53', '2015-04-27 13:58:53', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(846, 2, '2015-04-28 14:07:14', '2015-04-28 14:07:14', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated April 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\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-04-28 14:07:14', '2015-04-28 14:07:14', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(847, 2, '2015-04-29 14:05:52', '2015-04-29 14:05:52', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated April 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\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-04-29 14:05:52', '2015-04-29 14:05:52', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(848, 2, '2015-04-30 13:54:40', '2015-04-30 13:54:40', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated April 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\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-04-30 13:54:40', '2015-04-30 13:54:40', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(849, 2, '2015-05-01 14:02:21', '2015-05-01 14:02:21', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated May 1, 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', '', '', '2015-05-01 14:02:21', '2015-05-01 14:02:21', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(850, 2, '2015-05-04 14:08:24', '2015-05-04 14:08:24', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated May 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\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-05-04 14:08:24', '2015-05-04 14:08:24', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(852, 2, '2015-05-05 14:08:41', '2015-05-05 14:08:41', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated May 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\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-05-05 14:08:41', '2015-05-05 14:08:41', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(853, 2, '2015-05-06 14:09:19', '2015-05-06 14:09:19', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated May 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\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-05-06 14:09:19', '2015-05-06 14:09:19', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(854, 2, '2015-05-07 14:02:39', '2015-05-07 14:02:39', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated May 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\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-05-07 14:02:39', '2015-05-07 14:02:39', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(855, 2, '2015-05-08 13:58:20', '2015-05-08 13:58:20', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated May 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\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-05-08 13:58:20', '2015-05-08 13:58:20', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(856, 2, '2015-05-11 13:53:13', '2015-05-11 13:53:13', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated May 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', '', '', '2015-05-11 13:53:13', '2015-05-11 13:53:13', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(857, 2, '2015-05-12 13:55:56', '2015-05-12 13:55:56', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated May 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', '', '', '2015-05-12 13:55:56', '2015-05-12 13:55:56', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(859, 2, '2015-05-13 13:54:28', '2015-05-13 13:54:28', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated May 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', '', '', '2015-05-13 13:54:28', '2015-05-13 13:54:28', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(860, 2, '2015-05-14 14:04:52', '2015-05-14 14:04:52', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated May 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\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-05-14 14:04:52', '2015-05-14 14:04:52', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(861, 2, '2015-05-15 14:01:09', '2015-05-15 14:01:09', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated May 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\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-05-15 14:01:09', '2015-05-15 14:01:09', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(862, 2, '2015-05-18 14:02:36', '2015-05-18 14:02:36', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated May 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', '', '', '2015-05-18 14:02:36', '2015-05-18 14:02:36', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(863, 2, '2015-05-19 13:53:22', '2015-05-19 13:53:22', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated May 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', '', '', '2015-05-19 13:53:22', '2015-05-19 13:53:22', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(864, 2, '2015-05-20 14:02:09', '2015-05-20 14:02:09', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated May 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', '', '', '2015-05-20 14:02:09', '2015-05-20 14:02:09', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(866, 2, '2015-05-21 15:00:43', '2015-05-21 15:00:43', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated May 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\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-05-21 15:00:43', '2015-05-21 15:00:43', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(867, 2, '2015-05-22 13:52:33', '2015-05-22 13:52:33', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated May 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\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-05-22 13:52:33', '2015-05-22 13:52:33', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(868, 2, '2015-05-26 13:48:52', '2015-05-26 13:48:52', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated May 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', '', '', '2015-05-26 13:48:52', '2015-05-26 13:48:52', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(869, 2, '2015-05-27 14:02:48', '2015-05-27 14:02:48', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated May 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', '', '', '2015-05-27 14:02:48', '2015-05-27 14:02:48', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(870, 2, '2015-05-28 13:54:54', '2015-05-28 13:54:54', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated May 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\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-05-28 13:54:54', '2015-05-28 13:54:54', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(872, 2, '2015-05-29 13:52:36', '2015-05-29 13:52:36', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated May 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\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-05-29 13:52:36', '2015-05-29 13:52:36', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(873, 2, '2015-06-01 14:07:43', '2015-06-01 14:07:43', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated June 1, 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', '', '', '2015-06-01 14:07:43', '2015-06-01 14:07:43', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(874, 2, '2015-06-02 14:01:12', '2015-06-02 14:01:12', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated June 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\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-06-02 14:01:12', '2015-06-02 14:01:12', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(876, 2, '2015-06-02 21:05:24', '2015-06-02 21:05:24', '<strong>PROGRAM INFORMATION COMING SOON!</strong>', 'REI Gift100 Conventional Loan Program', '', 'inherit', 'open', 'open', '', '171-revision-v1', '', '', '2015-06-02 21:05:24', '2015-06-02 21:05:24', '', 171, 'http://reidownpayment.org/171-revision-v1/', 0, 'revision', '', 0),
(877, 2, '2015-06-02 21:07:49', '2015-06-02 21:07:49', '<strong>PROGRAM INFORMATION COMING SOON!</strong>', 'REI Gift100 Conventional Loan Program', '', 'inherit', 'open', 'open', '', '217-revision-v1', '', '', '2015-06-02 21:07:49', '2015-06-02 21:07:49', '', 217, 'http://reidownpayment.org/217-revision-v1/', 0, 'revision', '', 0),
(878, 2, '2015-06-02 21:13:39', '2015-06-02 21:13:39', '<div lang=\"EN-US\">\r\n\r\nREI Down Payment Assistance provides down payment and closing cost assistance to eligible borrowers through partnerships with lenders across the state. The programs are developed for people who have good jobs and the ability to re-pay a loan, but have not been able to save for the down payment or closing costs on a home.\r\n\r\n<br title=\"Choice100 Program\" />\r\n<ul>\r\n<ul>\r\n<ul>\r\n	<li><strong><a href=\"http://reidownpayment.org/home-buyers/gift100/\">REI Gift100 </a></strong><a href=\"http://reidownpayment.org/home-buyers/gift100/\">(click for more info)</a></li>\r\n</ul>\r\n</ul>\r\n</ul>\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/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.\r\n\r\n</div>', 'Home Buyers', '', 'inherit', 'open', 'open', '', '6-revision-v1', '', '', '2015-06-02 21:13:39', '2015-06-02 21:13:39', '', 6, 'http://reidownpayment.org/6-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
(879, 2, '2015-06-02 21:13:50', '2015-06-02 21:13:50', '<div lang=\"EN-US\">\r\n\r\nREI Down Payment Assistance provides down payment and closing cost assistance to eligible borrowers through partnerships with lenders across the state. The programs are developed for people who have good jobs and the ability to re-pay a loan, but have not been able to save for the down payment or closing costs on a home.\r\n<ul>\r\n<ul>\r\n<ul>\r\n	<li><strong><a href=\"http://reidownpayment.org/home-buyers/gift100/\">REI Gift100 </a></strong><a href=\"http://reidownpayment.org/home-buyers/gift100/\">(click for more info)</a></li>\r\n</ul>\r\n</ul>\r\n</ul>\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/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.\r\n\r\n</div>', 'Home Buyers', '', 'inherit', 'open', 'open', '', '6-revision-v1', '', '', '2015-06-02 21:13:50', '2015-06-02 21:13:50', '', 6, 'http://reidownpayment.org/6-revision-v1/', 0, 'revision', '', 0),
(880, 2, '2015-06-02 21:14:18', '2015-06-02 21:14:18', '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>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', '', '', '2015-06-02 21:14:18', '2015-06-02 21:14:18', '', 7, 'http://reidownpayment.org/7-revision-v1/', 0, 'revision', '', 0),
(881, 2, '2015-06-03 14:09:10', '2015-06-03 14:09:10', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated June 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\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-06-03 14:09:10', '2015-06-03 14:09:10', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(882, 2, '2015-06-03 16:56:50', '2015-06-03 16:56:50', '', '2015 Area Median Incomes - Conventional', '', 'inherit', 'open', 'open', '', '2015-area-median-incomes-conventional', '', '', '2015-06-03 16:56:50', '2015-06-03 16:56:50', '', 0, 'http://reidownpayment.org/wp/wp-content/uploads/2015/06/2015-Area-Median-Incomes-Conventional.pdf', 0, 'attachment', 'application/pdf', 0),
(883, 2, '2015-06-03 16:56:54', '2015-06-03 16:56:54', '', '2015 Area Median Incomes - FHA VA  HUD 184', '', 'inherit', 'open', 'open', '', '2015-area-median-incomes-fha-va-hud-184', '', '', '2015-06-03 16:56:54', '2015-06-03 16:56:54', '', 0, 'http://reidownpayment.org/wp/wp-content/uploads/2015/06/2015-Area-Median-Incomes-FHA-VA-HUD-184.pdf', 0, 'attachment', 'application/pdf', 0),
(884, 2, '2015-06-03 16:59:11', '2015-06-03 16:59:11', '<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 Program\r\n</strong>\r\n\r\nREI Down Payment Assistance invests in Oklahoma’s future by providing housing opportunities to low income individuals and families. The 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 that you are not required to pay back and there will not be 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	<li>Fannie Mae HFA Preferred</li>\r\n	<li>Freddie Mac HFA Advantage</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>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. The following is a breakdown of the assistance available:\r\n<ul>\r\n	<li>FHA, VA, Rural Development &amp; HUD Section 184\r\n<ul>\r\n	<li>Gift of 3.5 or 5.0% of the total loan amount</li>\r\n</ul>\r\n</li>\r\n	<li>Fannie Mae HFA Preferred &amp; Freddie Mac HFA Advantage\r\n<ul>\r\n	<li>Gift of 3.0, 4.0, or 5.0% of the total loan amount</li>\r\n</ul>\r\n</li>\r\n</ul>\r\n<strong>Lenders:</strong> You may use the REI Gift100 approved lender of your choice. 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 appropriate link below for the Area Median Income requirements.\r\n\r\n<strong>Credit Score:</strong>\r\n<ul>\r\n	<li>FHA, VA, Rural Development &amp; HUD Section 184\r\n<ul>\r\n	<li>Minimum Credit Score of 640</li>\r\n</ul>\r\n</li>\r\n	<li>Fannie Mae HFA Preferred &amp; Freddie Mac HFA Advantage\r\n<ul>\r\n	<li>Loan to Value (LTV) of 95.01% - 97% - minimum credit score of 680</li>\r\n	<li>Loan to Value (LTV) =&lt;95% - minimum credit score of 640</li>\r\n</ul>\r\n</li>\r\n</ul>\r\n<strong>First Time Home Buyer:</strong>\r\n<ul>\r\n	<li>Loan to Value (LTV) of 95.01% - 97% - Homebuyer Education is Required</li>\r\n	<li>Loan to Value (LTV) =&lt;95% - Homebuyer Education only required if all borrowers are first-time homebuyers. In that event, at least one homeowner must complete Pre-purchase home-buyer education and counseling.</li>\r\n</ul>\r\n<strong>REI can provide Homebuyer Education through EHome America, please click on the following link to take the online course. The cost is $99.00. </strong><a href=\"http://www.ehomeamerica.org/reiok\">www.ehomeamerica.org/reiok</a>\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2015/06/2015-Area-Median-Incomes-FHA-VA-HUD-184.pdf\" target=\"_blank\">2015 Income Limits for FHA, VA, &amp; HUD 184</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2015/06/2015-Area-Median-Incomes-Conventional.pdf\" target=\"_blank\">2015 Income Limits for Conventional Program</a></li>\r\n</ul>', 'REI Gift100 Program', '', 'inherit', 'open', 'open', '', '168-revision-v1', '', '', '2015-06-03 16:59:11', '2015-06-03 16:59:11', '', 168, 'http://reidownpayment.org/168-revision-v1/', 0, 'revision', '', 0),
(885, 2, '2015-06-03 17:01:52', '2015-06-03 17:01:52', '<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 Program\r\n</strong>\r\n\r\nREI Down Payment Assistance invests in Oklahoma’s future by providing housing opportunities to low income individuals and families. The 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 that you are not required to pay back and there will not be 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	<li>Fannie Mae HFA Preferred</li>\r\n	<li>Freddie Mac HFA Advantage</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>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. The following is a breakdown of the assistance available:\r\n<ul>\r\n	<li>FHA, VA, Rural Development &amp; HUD Section 184\r\n<ul>\r\n	<li>Gift of 3.5 or 5.0% of the total loan amount</li>\r\n</ul>\r\n</li>\r\n	<li>Fannie Mae HFA Preferred &amp; Freddie Mac HFA Advantage\r\n<ul>\r\n	<li>Gift of 3.0, 4.0, or 5.0% of the total loan amount</li>\r\n</ul>\r\n</li>\r\n</ul>\r\n<strong>Lenders:</strong> You may use the REI Gift100 approved lender of your choice. 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 appropriate link below for the Area Median Income requirements.\r\n\r\n<strong>Credit Score:</strong>\r\n<ul>\r\n	<li>FHA, VA, Rural Development &amp; HUD Section 184\r\n<ul>\r\n	<li>Minimum Credit Score of 640</li>\r\n</ul>\r\n</li>\r\n	<li>Fannie Mae HFA Preferred &amp; Freddie Mac HFA Advantage\r\n<ul>\r\n	<li>Loan to Value (LTV) of 95.01% - 97% - minimum credit score of 680</li>\r\n	<li>Loan to Value (LTV) =&lt;95% - minimum credit score of 640</li>\r\n</ul>\r\n</li>\r\n</ul>\r\n<strong>First Time Home Buyer:</strong>\r\n<ul>\r\n	<li>Loan to Value (LTV) of 95.01% - 97%</li>\r\n</ul>\r\nHomebuyer Education is Required\r\n<ul>\r\n	<li>Loan to Value (LTV) =&lt;95% - Homebuyer Education only required if all borrowers are first-time homebuyers. In that event, at least one homeowner must complete Pre-purchase home-buyer education and counseling.</li>\r\n</ul>\r\n<strong>REI can provide Homebuyer Education through EHome America, please click on the following link to take the online course. The cost is $99.00. </strong><a href=\"http://www.ehomeamerica.org/reiok\">www.ehomeamerica.org/reiok</a>\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2015/06/2015-Area-Median-Incomes-FHA-VA-HUD-184.pdf\" target=\"_blank\">2015 Income Limits for FHA, VA, &amp; HUD 184</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2015/06/2015-Area-Median-Incomes-Conventional.pdf\" target=\"_blank\">2015 Income Limits for Conventional Program</a></li>\r\n</ul>', 'REI Gift100 Program', '', 'inherit', 'open', 'open', '', '168-revision-v1', '', '', '2015-06-03 17:01:52', '2015-06-03 17:01:52', '', 168, 'http://reidownpayment.org/168-revision-v1/', 0, 'revision', '', 0),
(886, 2, '2015-06-03 17:02:12', '2015-06-03 17:02:12', '<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 Program\r\n</strong>\r\n\r\nREI Down Payment Assistance invests in Oklahoma’s future by providing housing opportunities to low income individuals and families. The 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 that you are not required to pay back and there will not be 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	<li>Fannie Mae HFA Preferred</li>\r\n	<li>Freddie Mac HFA Advantage</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>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. The following is a breakdown of the assistance available:\r\n<ul>\r\n	<li>FHA, VA, Rural Development &amp; HUD Section 184\r\n<ul>\r\n	<li>Gift of 3.5 or 5.0% of the total loan amount</li>\r\n</ul>\r\n</li>\r\n	<li>Fannie Mae HFA Preferred &amp; Freddie Mac HFA Advantage\r\n<ul>\r\n	<li>Gift of 3.0, 4.0, or 5.0% of the total loan amount</li>\r\n</ul>\r\n</li>\r\n</ul>\r\n<strong>Lenders:</strong> You may use the REI Gift100 approved lender of your choice. 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 appropriate link below for the Area Median Income requirements.\r\n\r\n<strong>Credit Score:</strong>\r\n<ul>\r\n	<li>FHA, VA, Rural Development &amp; HUD Section 184\r\n<ul>\r\n	<li>Minimum Credit Score of 640</li>\r\n</ul>\r\n</li>\r\n	<li>Fannie Mae HFA Preferred &amp; Freddie Mac HFA Advantage\r\n<ul>\r\n	<li>Loan to Value (LTV) of 95.01% - 97% - minimum credit score of 680</li>\r\n	<li>Loan to Value (LTV) =&lt;95% - minimum credit score of 640</li>\r\n</ul>\r\n</li>\r\n</ul>\r\n<strong>First Time Home Buyer:</strong>\r\n<ul>\r\n	<li>Loan to Value (LTV) of 95.01% - 97% - Homebuyer Education is Required</li>\r\n</ul>\r\n<ul>\r\n	<li>Loan to Value (LTV) =&lt;95% - Homebuyer Education only required if all borrowers are first-time homebuyers. In that event, at least one homeowner must complete Pre-purchase home-buyer education and counseling.</li>\r\n</ul>\r\n<strong>REI can provide Homebuyer Education through EHome America, please click on the following link to take the online course. The cost is $99.00. </strong><a href=\"http://www.ehomeamerica.org/reiok\">www.ehomeamerica.org/reiok</a>\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2015/06/2015-Area-Median-Incomes-FHA-VA-HUD-184.pdf\" target=\"_blank\">2015 Income Limits for FHA, VA, &amp; HUD 184</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2015/06/2015-Area-Median-Incomes-Conventional.pdf\" target=\"_blank\">2015 Income Limits for Conventional Program</a></li>\r\n</ul>', 'REI Gift100 Program', '', 'inherit', 'open', 'open', '', '168-revision-v1', '', '', '2015-06-03 17:02:12', '2015-06-03 17:02:12', '', 168, 'http://reidownpayment.org/168-revision-v1/', 0, 'revision', '', 0),
(887, 2, '2015-06-03 17:02:29', '2015-06-03 17:02:29', '<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 Program\r\n</strong>\r\n\r\nREI Down Payment Assistance invests in Oklahoma’s future by providing housing opportunities to low income individuals and families. The 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 that you are not required to pay back and there will not be 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	<li>Fannie Mae HFA Preferred</li>\r\n	<li>Freddie Mac HFA Advantage</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>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. The following is a breakdown of the assistance available:\r\n<ul>\r\n	<li>FHA, VA, Rural Development &amp; HUD Section 184\r\n<ul>\r\n	<li>Gift of 3.5 or 5.0% of the total loan amount</li>\r\n</ul>\r\n</li>\r\n	<li>Fannie Mae HFA Preferred &amp; Freddie Mac HFA Advantage\r\n<ul>\r\n	<li>Gift of 3.0, 4.0, or 5.0% of the total loan amount</li>\r\n</ul>\r\n</li>\r\n</ul>\r\n<strong>Lenders:</strong> You may use the REI Gift100 approved lender of your choice. 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 appropriate link below for the Area Median Income requirements.\r\n\r\n<strong>Credit Score:</strong>\r\n<ul>\r\n	<li>FHA, VA, Rural Development &amp; HUD Section 184\r\n<ul>\r\n	<li>Minimum Credit Score of 640</li>\r\n</ul>\r\n</li>\r\n	<li>Fannie Mae HFA Preferred &amp; Freddie Mac HFA Advantage\r\n<ul>\r\n	<li>Loan to Value (LTV) of 95.01% - 97% - minimum credit score of 680</li>\r\n	<li>Loan to Value (LTV) =&lt;95% - minimum credit score of 640</li>\r\n</ul>\r\n</li>\r\n</ul>\r\n<strong>First Time Home Buyer:</strong>\r\n<ul>\r\n	<li>Loan to Value (LTV) of 95.01% - 97% - Homebuyer Education is Required</li>\r\n	<li>Loan to Value (LTV) =&lt;95% - Homebuyer Education only required if all borrowers are first-time homebuyers. In that event, at least one homeowner must complete Pre-purchase home-buyer education and counseling.</li>\r\n</ul>\r\n<strong>REI can provide Homebuyer Education through EHome America, please click on the following link to take the online course. The cost is $99.00. </strong><a href=\"http://www.ehomeamerica.org/reiok\">www.ehomeamerica.org/reiok</a>\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2015/06/2015-Area-Median-Incomes-FHA-VA-HUD-184.pdf\" target=\"_blank\">2015 Income Limits for FHA, VA, &amp; HUD 184</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2015/06/2015-Area-Median-Incomes-Conventional.pdf\" target=\"_blank\">2015 Income Limits for Conventional Program</a></li>\r\n</ul>', 'REI Gift100 Program', '', 'inherit', 'open', 'open', '', '168-revision-v1', '', '', '2015-06-03 17:02:29', '2015-06-03 17:02:29', '', 168, 'http://reidownpayment.org/168-revision-v1/', 0, 'revision', '', 0),
(888, 2, '2015-06-03 17:05:38', '2015-06-03 17:05:38', '<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 Program\r\n</strong>\r\n\r\nREI Down Payment Assistance invests in Oklahoma’s future by providing housing opportunities to low income individuals and families. The 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 that you are not required to pay back and there will not be 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	<li>Fannie Mae HFA Preferred</li>\r\n	<li>Freddie Mac HFA Advantage</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>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. The following is a breakdown of the assistance available:\r\n<ul>\r\n	<li>FHA, VA, Rural Development &amp; HUD Section 184\r\n<ul>\r\n	<li>Gift of 3.5 or 5.0% of the total loan amount</li>\r\n</ul>\r\n</li>\r\n	<li>Fannie Mae HFA Preferred &amp; Freddie Mac HFA Advantage\r\n<ul>\r\n	<li>Gift of 3.0, 4.0, or 5.0% of the total loan amount</li>\r\n</ul>\r\n</li>\r\n</ul>\r\n<strong>Lenders:</strong> You may use the REI Gift100 approved lender of your choice. 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 appropriate link below for the Area Median Income requirements.\r\n\r\n<strong>Credit Score:</strong>\r\n<ul>\r\n	<li>FHA, VA, Rural Development &amp; HUD Section 184</li>\r\n	<li>Minimum Credit Score of 640</li>\r\n	<li>Fannie Mae HFA Preferred &amp; Freddie Mac HFA Advantage\r\n<ul>\r\n	<li>Loan to Value (LTV) of 95.01% - 97% - minimum credit score of 680</li>\r\n	<li>Loan to Value (LTV) =&lt;95% - minimum credit score of 640</li>\r\n</ul>\r\n</li>\r\n</ul>\r\n<strong>First Time Home Buyer:</strong>\r\n<ul>\r\n	<li>Loan to Value (LTV) of 95.01% - 97% - Homebuyer Education is Required</li>\r\n	<li>Loan to Value (LTV) =&lt;95% - Homebuyer Education only required if all borrowers are first-time homebuyers. In that event, at least one homeowner must complete Pre-purchase home-buyer education and counseling.</li>\r\n</ul>\r\n<strong>REI can provide Homebuyer Education through EHome America, please click on the following link to take the online course. The cost is $99.00. </strong><a href=\"http://www.ehomeamerica.org/reiok\">www.ehomeamerica.org/reiok</a>\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2015/06/2015-Area-Median-Incomes-FHA-VA-HUD-184.pdf\" target=\"_blank\">2015 Income Limits for FHA, VA, &amp; HUD 184</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2015/06/2015-Area-Median-Incomes-Conventional.pdf\" target=\"_blank\">2015 Income Limits for Conventional Program</a></li>\r\n</ul>', 'REI Gift100 Program', '', 'inherit', 'open', 'open', '', '168-revision-v1', '', '', '2015-06-03 17:05:38', '2015-06-03 17:05:38', '', 168, 'http://reidownpayment.org/168-revision-v1/', 0, 'revision', '', 0),
(889, 2, '2015-06-03 17:06:36', '2015-06-03 17:06:36', '<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 Program\r\n</strong>\r\n\r\nREI Down Payment Assistance invests in Oklahoma’s future by providing housing opportunities to low income individuals and families. The 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 that you are not required to pay back and there will not be 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	<li>Fannie Mae HFA Preferred</li>\r\n	<li>Freddie Mac HFA Advantage</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>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. The following is a breakdown of the assistance available:\r\n<ul>\r\n	<li>FHA, VA, Rural Development &amp; HUD Section 184\r\n<ul>\r\n	<li>Gift of 3.5 or 5.0% of the total loan amount</li>\r\n</ul>\r\n</li>\r\n	<li>Fannie Mae HFA Preferred &amp; Freddie Mac HFA Advantage\r\n<ul>\r\n	<li>Gift of 3.0, 4.0, or 5.0% of the total loan amount</li>\r\n</ul>\r\n</li>\r\n</ul>\r\n<strong>Lenders:</strong> You may use the REI Gift100 approved lender of your choice. 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 appropriate link below for the Area Median Income requirements.\r\n\r\n<strong>Credit Score:</strong>\r\n<ul>\r\n	<li>FHA, VA, Rural Development &amp; HUD Section 184</li>\r\n	<li><span style=\"color: #190707\">Minimum Credit Score of 640</a></li>\r\n	<li>Fannie Mae HFA Preferred &amp; Freddie Mac HFA Advantage\r\n<ul>\r\n	<li>Loan to Value (LTV) of 95.01% - 97% - minimum credit score of 680</li>\r\n	<li>Loan to Value (LTV) =&lt;95% - minimum credit score of 640</li>\r\n</ul>\r\n</li>\r\n</ul>\r\n<strong>First Time Home Buyer:</strong>\r\n<ul>\r\n	<li>Loan to Value (LTV) of 95.01% - 97% - Homebuyer Education is Required</li>\r\n	<li>Loan to Value (LTV) =&lt;95% - Homebuyer Education only required if all borrowers are first-time homebuyers. In that event, at least one homeowner must complete Pre-purchase home-buyer education and counseling.</li>\r\n</ul>\r\n<strong>REI can provide Homebuyer Education through EHome America, please click on the following link to take the online course. The cost is $99.00. </strong><a href=\"http://www.ehomeamerica.org/reiok\">www.ehomeamerica.org/reiok</a>\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2015/06/2015-Area-Median-Incomes-FHA-VA-HUD-184.pdf\" target=\"_blank\">2015 Income Limits for FHA, VA, &amp; HUD 184</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2015/06/2015-Area-Median-Incomes-Conventional.pdf\" target=\"_blank\">2015 Income Limits for Conventional Program</a></li>\r\n</ul>', 'REI Gift100 Program', '', 'inherit', 'open', 'open', '', '168-revision-v1', '', '', '2015-06-03 17:06:36', '2015-06-03 17:06:36', '', 168, 'http://reidownpayment.org/168-revision-v1/', 0, 'revision', '', 0),
(890, 2, '2015-06-03 17:07:22', '2015-06-03 17:07:22', '<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 Program\r\n</strong>\r\n\r\nREI Down Payment Assistance invests in Oklahoma’s future by providing housing opportunities to low income individuals and families. The 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 that you are not required to pay back and there will not be 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	<li>Fannie Mae HFA Preferred</li>\r\n	<li>Freddie Mac HFA Advantage</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>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. The following is a breakdown of the assistance available:\r\n<ul>\r\n	<li>FHA, VA, Rural Development &amp; HUD Section 184\r\n<ul>\r\n	<li>Gift of 3.5 or 5.0% of the total loan amount</li>\r\n</ul>\r\n</li>\r\n	<li>Fannie Mae HFA Preferred &amp; Freddie Mac HFA Advantage\r\n<ul>\r\n	<li>Gift of 3.0, 4.0, or 5.0% of the total loan amount</li>\r\n</ul>\r\n</li>\r\n</ul>\r\n<strong>Lenders:</strong> You may use the REI Gift100 approved lender of your choice. 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 appropriate link below for the Area Median Income requirements.\r\n\r\n<strong>Credit Score:</strong>\r\n<ul>\r\n	<li>FHA, VA, Rural Development &amp; HUD Section 184</li>\r\n	<li><span style=\"color: #190707\">Minimum Credit Score of 640</a></li>\r\n	<li>Fannie Mae HFA Preferred &amp; Freddie Mac HFA Advantage\r\n<ul>\r\n	<li><span style=\"color: #190707\">Loan to Value (LTV) of 95.01% - 97% - minimum credit score of 680</a></li>\r\n	<li<span style=\"color: #190707\">>Loan to Value (LTV) =&lt;95% - minimum credit score of 640</a></li>\r\n</ul>\r\n</li>\r\n</ul>\r\n<strong>First Time Home Buyer:</strong>\r\n<ul>\r\n	<li>Loan to Value (LTV) of 95.01% - 97% - Homebuyer Education is Required</li>\r\n	<li>Loan to Value (LTV) =&lt;95% - Homebuyer Education only required if all borrowers are first-time homebuyers. In that event, at least one homeowner must complete Pre-purchase home-buyer education and counseling.</li>\r\n</ul>\r\n<strong>REI can provide Homebuyer Education through EHome America, please click on the following link to take the online course. The cost is $99.00. </strong><a href=\"http://www.ehomeamerica.org/reiok\">www.ehomeamerica.org/reiok</a>\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2015/06/2015-Area-Median-Incomes-FHA-VA-HUD-184.pdf\" target=\"_blank\">2015 Income Limits for FHA, VA, &amp; HUD 184</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2015/06/2015-Area-Median-Incomes-Conventional.pdf\" target=\"_blank\">2015 Income Limits for Conventional Program</a></li>\r\n</ul>', 'REI Gift100 Program', '', 'inherit', 'open', 'open', '', '168-revision-v1', '', '', '2015-06-03 17:07:22', '2015-06-03 17:07:22', '', 168, 'http://reidownpayment.org/168-revision-v1/', 0, 'revision', '', 0),
(891, 2, '2015-06-03 17:08:44', '2015-06-03 17:08:44', '<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 Program\r\n</strong>\r\n\r\nREI Down Payment Assistance invests in Oklahoma’s future by providing housing opportunities to low income individuals and families. The 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 that you are not required to pay back and there will not be 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	<li>Fannie Mae HFA Preferred</li>\r\n	<li>Freddie Mac HFA Advantage</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>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. The following is a breakdown of the assistance available:\r\n<ul>\r\n	<li>FHA, VA, Rural Development &amp; HUD Section 184\r\n<ul>\r\n	<li>Gift of 3.5 or 5.0% of the total loan amount</li>\r\n</ul>\r\n</li>\r\n	<li>Fannie Mae HFA Preferred &amp; Freddie Mac HFA Advantage\r\n<ul>\r\n	<li>Gift of 3.0, 4.0, or 5.0% of the total loan amount</li>\r\n</ul>\r\n</li>\r\n</ul>\r\n<strong>Lenders:</strong> You may use the REI Gift100 approved lender of your choice. 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 appropriate link below for the Area Median Income requirements.\r\n\r\n<strong>Credit Score:</strong>\r\n<ul>\r\n	<li>FHA, VA, Rural Development &amp; HUD Section 184</li>\r\n	<li><span style=\"color: #190707;\">Minimum Credit Score of 640</span></li>\r\n	<li>\r\n<ul>\r\n<ul>\r\n	<li><span style=\"color: #190707;\">Loan to Value (LTV) of 95.01% - 97% - minimum credit score of 680</span>Fannie Mae HFA Preferred &amp; Freddie Mac HFA Advantage</li>\r\n	<li><span style=\"color: #190707;\">Loan to Value (LTV) =&lt;95% - minimum credit score of 640</span></li>\r\n</ul>\r\n</ul>\r\n</li>\r\n</ul>\r\n<strong>First Time Home Buyer:</strong>\r\n<ul>\r\n	<li>Loan to Value (LTV) of 95.01% - 97% - Homebuyer Education is Required</li>\r\n	<li>Loan to Value (LTV) =&lt;95% - Homebuyer Education only required if all borrowers are first-time homebuyers. In that event, at least one homeowner must complete Pre-purchase home-buyer education and counseling.</li>\r\n</ul>\r\n<strong>REI can provide Homebuyer Education through EHome America, please click on the following link to take the online course. The cost is $99.00. </strong><a href=\"http://www.ehomeamerica.org/reiok\">www.ehomeamerica.org/reiok</a>\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2015/06/2015-Area-Median-Incomes-FHA-VA-HUD-184.pdf\" target=\"_blank\">2015 Income Limits for FHA, VA, &amp; HUD 184</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2015/06/2015-Area-Median-Incomes-Conventional.pdf\" target=\"_blank\">2015 Income Limits for Conventional Program</a></li>\r\n</ul>', 'REI Gift100 Program', '', 'inherit', 'open', 'open', '', '168-revision-v1', '', '', '2015-06-03 17:08:44', '2015-06-03 17:08:44', '', 168, 'http://reidownpayment.org/168-revision-v1/', 0, 'revision', '', 0),
(892, 2, '2015-06-03 17:11:19', '2015-06-03 17:11:19', '<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 Program\r\n</strong>\r\n\r\nREI Down Payment Assistance invests in Oklahoma’s future by providing housing opportunities to low income individuals and families. The 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 that you are not required to pay back and there will not be 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	<li>Fannie Mae HFA Preferred</li>\r\n	<li>Freddie Mac HFA Advantage</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>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. The following is a breakdown of the assistance available:\r\n<ul>\r\n	<li>FHA, VA, Rural Development &amp; HUD Section 184\r\n<ul>\r\n	<li>Gift of 3.5 or 5.0% of the total loan amount</li>\r\n</ul>\r\n</li>\r\n	<li>Fannie Mae HFA Preferred &amp; Freddie Mac HFA Advantage\r\n<ul>\r\n	<li>Gift of 3.0, 4.0, or 5.0% of the total loan amount</li>\r\n</ul>\r\n</li>\r\n</ul>\r\n<strong>Lenders:</strong> You may use the REI Gift100 approved lender of your choice. 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 appropriate link below for the Area Median Income requirements.\r\n\r\n<strong>Credit Score:</strong>\r\n<ul>\r\n	<li>FHA, VA, Rural Development &amp; HUD Section 184\r\n<ul>\r\n	<li>Minimum Credit Score of 640</li>\r\n</ul>\r\n</li>\r\n	<li>Fannie Mae HFA Preferred &amp; Freddie Mac HFA Advantage\r\n<ul>\r\n	<li>Loan to Value (LTV) of 95.01% - 97% - minimum credit score of 680</li>\r\n	<li>Loan to Value (LTV) =&lt;95% - minimum credit score of 640</li>\r\n</ul>\r\n</li>\r\n</ul>\r\n<strong>First Time Home Buyer:</strong>\r\n<ul>\r\n	<li>Loan to Value (LTV) of 95.01% - 97% - Homebuyer Education is Required</li>\r\n	<li>Loan to Value (LTV) =&lt;95% - Homebuyer Education only required if all borrowers are first-time homebuyers. In that event, at least one homeowner must complete Pre-purchase home-buyer education and counseling.</li>\r\n</ul>\r\n<strong>REI can provide Homebuyer Education through EHome America, please click on the following link to take the online course. The cost is $99.00. </strong><a href=\"http://www.ehomeamerica.org/reiok\">www.ehomeamerica.org/reiok</a>\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2015/06/2015-Area-Median-Incomes-FHA-VA-HUD-184.pdf\" target=\"_blank\">2015 Income Limits for FHA, VA, &amp; HUD 184</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2015/06/2015-Area-Median-Incomes-Conventional.pdf\" target=\"_blank\">2015 Income Limits for Conventional Program</a></li>\r\n</ul>', 'REI Gift100 Program', '', 'inherit', 'open', 'open', '', '168-revision-v1', '', '', '2015-06-03 17:11:19', '2015-06-03 17:11:19', '', 168, 'http://reidownpayment.org/168-revision-v1/', 0, 'revision', '', 0),
(893, 2, '2015-06-03 17:12:37', '2015-06-03 17:12:37', '<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 Program\r\n</strong>\r\n\r\nREI Down Payment Assistance invests in Oklahoma’s future by providing housing opportunities to low income individuals and families. The 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 that you are not required to pay back and there will not be 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	<li>Fannie Mae HFA Preferred</li>\r\n	<li>Freddie Mac HFA Advantage</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>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. The following is a breakdown of the assistance available:\r\n<ul>\r\n	<li>FHA, VA, Rural Development &amp; HUD Section 184\r\n<ul>\r\n	<li>Gift of 3.5 or 5.0% of the total loan amount</li>\r\n</ul>\r\n</li>\r\n	<li>Fannie Mae HFA Preferred &amp; Freddie Mac HFA Advantage\r\n<ul>\r\n	<li>Gift of 3.0, 4.0, or 5.0% of the total loan amount</li>\r\n</ul>\r\n</li>\r\n</ul>\r\n<strong>Lenders:</strong> You may use the REI Gift100 approved lender of your choice. 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 appropriate link below for the Area Median Income requirements.\r\n\r\n<strong>Credit Score:</strong>\r\n<ul>\r\n	<li>FHA, VA, Rural Development &amp; HUD Section 184\r\n<ul>\r\n	<li><span style=\"color: #190707;\">Minimum Credit Score of 640</a></span></li>\r\n</ul>\r\n</li>\r\n	<li>Fannie Mae HFA Preferred &amp; Freddie Mac HFA Advantage\r\n<ul>\r\n	<li><span style=\"color: #190707;\">Loan to Value (LTV) of 95.01% - 97% - minimum credit score of 680</a></span></li>\r\n	<li><span style=\"color: #190707;\">Loan to Value (LTV) =&lt;95% - minimum credit score of 640</a></span></li>\r\n</ul>\r\n</li>\r\n</ul>\r\n<strong>First Time Home Buyer:</strong>\r\n<ul>\r\n	<li>Loan to Value (LTV) of 95.01% - 97% - Homebuyer Education is Required</li>\r\n	<li>Loan to Value (LTV) =&lt;95% - Homebuyer Education only required if all borrowers are first-time homebuyers. In that event, at least one homeowner must complete Pre-purchase home-buyer education and counseling.</li>\r\n</ul>\r\n<strong>REI can provide Homebuyer Education through EHome America, please click on the following link to take the online course. The cost is $99.00. </strong><a href=\"http://www.ehomeamerica.org/reiok\">www.ehomeamerica.org/reiok</a>\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2015/06/2015-Area-Median-Incomes-FHA-VA-HUD-184.pdf\" target=\"_blank\">2015 Income Limits for FHA, VA, &amp; HUD 184</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2015/06/2015-Area-Median-Incomes-Conventional.pdf\" target=\"_blank\">2015 Income Limits for Conventional Program</a></li>\r\n</ul>', 'REI Gift100 Program', '', 'inherit', 'open', 'open', '', '168-revision-v1', '', '', '2015-06-03 17:12:37', '2015-06-03 17:12:37', '', 168, 'http://reidownpayment.org/168-revision-v1/', 0, 'revision', '', 0),
(894, 2, '2015-06-03 17:13:13', '2015-06-03 17:13:13', '<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 Program\r\n</strong>\r\n\r\nREI Down Payment Assistance invests in Oklahoma’s future by providing housing opportunities to low income individuals and families. The 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 that you are not required to pay back and there will not be 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	<li>Fannie Mae HFA Preferred</li>\r\n	<li>Freddie Mac HFA Advantage</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>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. The following is a breakdown of the assistance available:\r\n<ul>\r\n	<li>FHA, VA, Rural Development &amp; HUD Section 184\r\n<ul>\r\n	<li>Gift of 3.5 or 5.0% of the total loan amount</li>\r\n</ul>\r\n</li>\r\n	<li>Fannie Mae HFA Preferred &amp; Freddie Mac HFA Advantage\r\n<ul>\r\n	<li>Gift of 3.0, 4.0, or 5.0% of the total loan amount</li>\r\n</ul>\r\n</li>\r\n</ul>\r\n<strong>Lenders:</strong> You may use the REI Gift100 approved lender of your choice. 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 appropriate link below for the Area Median Income requirements.\r\n\r\n<strong>Credit Score:</strong>\r\n\r\n	<li>FHA, VA, Rural Development &amp; HUD Section 184\r\n<ul>\r\n	<li><span style=\"color: #190707;\">Minimum Credit Score of 640</a></span></li>\r\n</ul>\r\n</li>\r\n	<li>Fannie Mae HFA Preferred &amp; Freddie Mac HFA Advantage\r\n<ul>\r\n	<li><span style=\"color: #190707;\">Loan to Value (LTV) of 95.01% - 97% - minimum credit score of 680</a></span></li>\r\n	<li><span style=\"color: #190707;\">Loan to Value (LTV) =&lt;95% - minimum credit score of 640</a></span></li>\r\n</ul>\r\n</li>\r\n</ul>\r\n<strong>First Time Home Buyer:</strong>\r\n<ul>\r\n	<li>Loan to Value (LTV) of 95.01% - 97% - Homebuyer Education is Required</li>\r\n	<li>Loan to Value (LTV) =&lt;95% - Homebuyer Education only required if all borrowers are first-time homebuyers. In that event, at least one homeowner must complete Pre-purchase home-buyer education and counseling.</li>\r\n</ul>\r\n<strong>REI can provide Homebuyer Education through EHome America, please click on the following link to take the online course. The cost is $99.00. </strong><a href=\"http://www.ehomeamerica.org/reiok\">www.ehomeamerica.org/reiok</a>\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2015/06/2015-Area-Median-Incomes-FHA-VA-HUD-184.pdf\" target=\"_blank\">2015 Income Limits for FHA, VA, &amp; HUD 184</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2015/06/2015-Area-Median-Incomes-Conventional.pdf\" target=\"_blank\">2015 Income Limits for Conventional Program</a></li>\r\n</ul>', 'REI Gift100 Program', '', 'inherit', 'open', 'open', '', '168-revision-v1', '', '', '2015-06-03 17:13:13', '2015-06-03 17:13:13', '', 168, 'http://reidownpayment.org/168-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
(895, 2, '2015-06-03 17:13:32', '2015-06-03 17:13:32', '<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 Program\r\n</strong>\r\n\r\nREI Down Payment Assistance invests in Oklahoma’s future by providing housing opportunities to low income individuals and families. The 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 that you are not required to pay back and there will not be 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	<li>Fannie Mae HFA Preferred</li>\r\n	<li>Freddie Mac HFA Advantage</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>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. The following is a breakdown of the assistance available:\r\n<ul>\r\n	<li>FHA, VA, Rural Development &amp; HUD Section 184\r\n<ul>\r\n	<li>Gift of 3.5 or 5.0% of the total loan amount</li>\r\n</ul>\r\n</li>\r\n	<li>Fannie Mae HFA Preferred &amp; Freddie Mac HFA Advantage\r\n<ul>\r\n	<li>Gift of 3.0, 4.0, or 5.0% of the total loan amount</li>\r\n</ul>\r\n</li>\r\n</ul>\r\n<strong>Lenders:</strong> You may use the REI Gift100 approved lender of your choice. 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 appropriate link below for the Area Median Income requirements.\r\n\r\n<strong>Credit Score:</strong>\r\n<ul>\r\n	<li>FHA, VA, Rural Development &amp; HUD Section 184\r\n<ul>\r\n	<li><span style=\"color: #190707;\">Minimum Credit Score of 640</a></span></li>\r\n</ul>\r\n</li>\r\n	<li>Fannie Mae HFA Preferred &amp; Freddie Mac HFA Advantage\r\n<ul>\r\n	<li><span style=\"color: #190707;\">Loan to Value (LTV) of 95.01% - 97% - minimum credit score of 680</a></span></li>\r\n	<li><span style=\"color: #190707;\">Loan to Value (LTV) =&lt;95% - minimum credit score of 640</a></span></li>\r\n</ul>\r\n</li>\r\n</ul>\r\n<strong>First Time Home Buyer:</strong>\r\n<ul>\r\n	<li>Loan to Value (LTV) of 95.01% - 97% - Homebuyer Education is Required</li>\r\n	<li>Loan to Value (LTV) =&lt;95% - Homebuyer Education only required if all borrowers are first-time homebuyers. In that event, at least one homeowner must complete Pre-purchase home-buyer education and counseling.</li>\r\n</ul>\r\n<strong>REI can provide Homebuyer Education through EHome America, please click on the following link to take the online course. The cost is $99.00. </strong><a href=\"http://www.ehomeamerica.org/reiok\">www.ehomeamerica.org/reiok</a>\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2015/06/2015-Area-Median-Incomes-FHA-VA-HUD-184.pdf\" target=\"_blank\">2015 Income Limits for FHA, VA, &amp; HUD 184</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2015/06/2015-Area-Median-Incomes-Conventional.pdf\" target=\"_blank\">2015 Income Limits for Conventional Program</a></li>\r\n</ul>', 'REI Gift100 Program', '', 'inherit', 'open', 'open', '', '168-revision-v1', '', '', '2015-06-03 17:13:32', '2015-06-03 17:13:32', '', 168, 'http://reidownpayment.org/168-revision-v1/', 0, 'revision', '', 0),
(896, 2, '2015-06-03 17:14:20', '2015-06-03 17:14:20', '<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 Program\r\n</strong>\r\n\r\nREI Down Payment Assistance invests in Oklahoma’s future by providing housing opportunities to low income individuals and families. The 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 that you are not required to pay back and there will not be 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	<li>Fannie Mae HFA Preferred</li>\r\n	<li>Freddie Mac HFA Advantage</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>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. The following is a breakdown of the assistance available:\r\n<ul>\r\n	<li>FHA, VA, Rural Development &amp; HUD Section 184\r\n<ul>\r\n	<li>Gift of 3.5 or 5.0% of the total loan amount</li>\r\n</ul>\r\n</li>\r\n	<li>Fannie Mae HFA Preferred &amp; Freddie Mac HFA Advantage\r\n<ul>\r\n	<li>Gift of 3.0, 4.0, or 5.0% of the total loan amount</li>\r\n</ul>\r\n</li>\r\n</ul>\r\n<strong>Lenders:</strong> You may use the REI Gift100 approved lender of your choice. 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 appropriate link below for the Area Median Income requirements.\r\n\r\n<strong>Credit Score:</strong>\r\n<ul>\r\n	<li>FHA, VA, Rural Development &amp; HUD Section 184\r\n<ul>\r\n	<li><span style=\"color: #190707;\">Minimum Credit Score of 640</a></span></li>\r\n</ul>\r\n</li>\r\n	<li>Fannie Mae HFA Preferred &amp; Freddie Mac HFA Advantage\r\n<ul>\r\n	<li><span style=\"color: #190707;\">Loan to Value (LTV) of 95.01% - 97% - minimum credit score of 680</a></span></li>\r\n	<li><span style=\"color: #190707;\">Loan to Value (LTV) =&lt;95% - minimum credit score of 640</a></span></li>\r\n</ul>\r\n</li>\r\n</ul>\r\n<strong>First Time Home Buyer:</strong>\r\n<ul>\r\n	<li>Loan to Value (LTV) of 95.01% - 97% -<span style=\"color: #190707\">   Homebuyer Education is Required</a></li>\r\n	<li>Loan to Value (LTV) =&lt;95% -<span style=\"color: #190707\">   Homebuyer Education only required if all borrowers are first-time homebuyers. In that event, at least one homeowner must complete Pre-purchase home-buyer education and counseling.</a></li>\r\n</ul>\r\n<strong>REI can provide Homebuyer Education through EHome America, please click on the following link to take the online course. The cost is $99.00. </strong><a href=\"http://www.ehomeamerica.org/reiok\">www.ehomeamerica.org/reiok</a>\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2015/06/2015-Area-Median-Incomes-FHA-VA-HUD-184.pdf\" target=\"_blank\">2015 Income Limits for FHA, VA, &amp; HUD 184</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2015/06/2015-Area-Median-Incomes-Conventional.pdf\" target=\"_blank\">2015 Income Limits for Conventional Program</a></li>\r\n</ul>', 'REI Gift100 Program', '', 'inherit', 'open', 'open', '', '168-revision-v1', '', '', '2015-06-03 17:14:20', '2015-06-03 17:14:20', '', 168, 'http://reidownpayment.org/168-revision-v1/', 0, 'revision', '', 0),
(897, 2, '2015-06-03 17:14:55', '2015-06-03 17:14:55', '<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 Program\r\n</strong>\r\n\r\nREI Down Payment Assistance invests in Oklahoma’s future by providing housing opportunities to low income individuals and families. The 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 that you are not required to pay back and there will not be 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	<li>Fannie Mae HFA Preferred</li>\r\n	<li>Freddie Mac HFA Advantage</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>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. The following is a breakdown of the assistance available:\r\n<ul>\r\n	<li>FHA, VA, Rural Development &amp; HUD Section 184\r\n<ul>\r\n	<li><span style=\"color: #190707\">  Gift of 3.5 or 5.0% of the total loan amount</a></li>\r\n</ul>\r\n</li>\r\n	<li>Fannie Mae HFA Preferred &amp; Freddie Mac HFA Advantage\r\n<ul>\r\n	<li><span style=\"color: #190707\">  Gift of 3.0, 4.0, or 5.0% of the total loan amount</a></li>\r\n</ul>\r\n</li>\r\n</ul>\r\n<strong>Lenders:</strong> You may use the REI Gift100 approved lender of your choice. 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 appropriate link below for the Area Median Income requirements.\r\n\r\n<strong>Credit Score:</strong>\r\n<ul>\r\n	<li>FHA, VA, Rural Development &amp; HUD Section 184\r\n<ul>\r\n	<li><span style=\"color: #190707;\">Minimum Credit Score of 640</a></span></li>\r\n</ul>\r\n</li>\r\n	<li>Fannie Mae HFA Preferred &amp; Freddie Mac HFA Advantage\r\n<ul>\r\n	<li><span style=\"color: #190707;\">Loan to Value (LTV) of 95.01% - 97% - minimum credit score of 680</a></span></li>\r\n	<li><span style=\"color: #190707;\">Loan to Value (LTV) =&lt;95% - minimum credit score of 640</a></span></li>\r\n</ul>\r\n</li>\r\n</ul>\r\n<strong>First Time Home Buyer:</strong>\r\n<ul>\r\n	<li>Loan to Value (LTV) of 95.01% - 97% -<span style=\"color: #190707\">   Homebuyer Education is Required</a></li>\r\n	<li>Loan to Value (LTV) =&lt;95% -<span style=\"color: #190707\">   Homebuyer Education only required if all borrowers are first-time homebuyers. In that event, at least one homeowner must complete Pre-purchase home-buyer education and counseling.</a></li>\r\n</ul>\r\n<strong>REI can provide Homebuyer Education through EHome America, please click on the following link to take the online course. The cost is $99.00. </strong><a href=\"http://www.ehomeamerica.org/reiok\">www.ehomeamerica.org/reiok</a>\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2015/06/2015-Area-Median-Incomes-FHA-VA-HUD-184.pdf\" target=\"_blank\">2015 Income Limits for FHA, VA, &amp; HUD 184</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2015/06/2015-Area-Median-Incomes-Conventional.pdf\" target=\"_blank\">2015 Income Limits for Conventional Program</a></li>\r\n</ul>', 'REI Gift100 Program', '', 'inherit', 'open', 'open', '', '168-revision-v1', '', '', '2015-06-03 17:14:55', '2015-06-03 17:14:55', '', 168, 'http://reidownpayment.org/168-revision-v1/', 0, 'revision', '', 0),
(898, 2, '2015-06-03 20:09:23', '2015-06-03 20:09:23', '<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 Program\r\n</strong>\r\n\r\nREI Down Payment Assistance invests in Oklahoma’s future by providing housing opportunities to low income individuals and families. The 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 that you are not required to pay back and there will not be 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	<li>Fannie Mae HFA Preferred</li>\r\n	<li>Freddie Mac HFA Advantage</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>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. The following is a breakdown of the assistance available:\r\n\r\n	<li>FHA, VA, Rural Development &amp; HUD Section 184\r\n<ul>\r\n	<li><span style=\"color: #190707;\"> Gift of 3.5 or 5.0% of the total loan amount</span></li>\r\n</ul>\r\n</li>\r\n	<li>Fannie Mae HFA Preferred &amp; Freddie Mac HFA Advantage\r\n<ul>\r\n	<li><span style=\"color: #190707;\"> Gift of 3.0, 4.0, or 5.0% of the total loan amount</span></li>\r\n</ul>\r\n</li>\r\n</ul>\r\n<strong>Lenders:</strong> You may use the REI Gift100 approved lender of your choice. 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 appropriate link below for the Area Median Income requirements.\r\n\r\n<strong>Credit Score:</strong>\r\n<ul>\r\n	<li>FHA, VA, Rural Development &amp; HUD Section 184\r\n<ul>\r\n	<li><span style=\"color: #190707;\">Minimum Credit Score of 640</span></li>\r\n</ul>\r\n</li>\r\n	<li>Fannie Mae HFA Preferred &amp; Freddie Mac HFA Advantage\r\n<ul>\r\n	<li><span style=\"color: #190707;\">Loan to Value (LTV) of 95.01% - 97% - minimum credit score of 680</span></li>\r\n	<li><span style=\"color: #190707;\">Loan to Value (LTV) =&lt;95% - minimum credit score of 640</span></li>\r\n</ul>\r\n</li>\r\n</ul>\r\n<strong>First Time Home Buyer:</strong>\r\n<ul>\r\n	<li>Loan to Value (LTV) of 95.01% - 97% -<span style=\"color: #190707;\"> Homebuyer Education is Required</span></li>\r\n	<li>Loan to Value (LTV) =&lt;95% -<span style=\"color: #190707;\"> Homebuyer Education only required if all borrowers are first-time homebuyers. In that event, at least one homeowner must complete Pre-purchase home-buyer education and counseling.</span></li>\r\n</ul>\r\n<strong>REI can provide Homebuyer Education through EHome America, please click on the following link to take the online course. The cost is $99.00. </strong><a href=\"http://www.ehomeamerica.org/reiok\">www.ehomeamerica.org/reiok</a>\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2015/06/2015-Area-Median-Incomes-FHA-VA-HUD-184.pdf\" target=\"_blank\">2015 Income Limits for FHA, VA, &amp; HUD 184</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2015/06/2015-Area-Median-Incomes-Conventional.pdf\" target=\"_blank\">2015 Income Limits for Conventional Program</a></li>\r\n</ul>', 'REI Gift100 Program', '', 'inherit', 'open', 'open', '', '168-revision-v1', '', '', '2015-06-03 20:09:23', '2015-06-03 20:09:23', '', 168, 'http://reidownpayment.org/168-revision-v1/', 0, 'revision', '', 0),
(899, 2, '2015-06-03 20:11:25', '2015-06-03 20:11:25', '<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 Program\r\n</strong>\r\n\r\nREI Down Payment Assistance invests in Oklahoma’s future by providing housing opportunities to low income individuals and families. The 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 that you are not required to pay back and there will not be 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	<li>Fannie Mae HFA Preferred</li>\r\n	<li>Freddie Mac HFA Advantage</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>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. The following is a breakdown of the assistance available:\r\n\r\n	<li><span style=\"color: #190707;\">FHA, VA, Rural Development &amp; HUD Section 184</a></li>\r\n<ul>\r\n	 Gift of 3.5 or 5.0% of the total loan amount</span>\r\n</ul>\r\n\r\n	<li><span style=\"color: #190707;\">Fannie Mae HFA Preferred &amp; Freddie Mac HFA Advantage</a>\r\n<ul>\r\n	Gift of 3.0, 4.0, or 5.0% of the total loan amount</span>\r\n</ul>\r\n</li>\r\n</ul>\r\n<strong>Lenders:</strong> You may use the REI Gift100 approved lender of your choice. 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 appropriate link below for the Area Median Income requirements.\r\n\r\n<strong>Credit Score:</strong>\r\n<ul>\r\n	<li>FHA, VA, Rural Development &amp; HUD Section 184\r\n<ul>\r\n	<li><span style=\"color: #190707;\">Minimum Credit Score of 640</span></li>\r\n</ul>\r\n</li>\r\n	<li>Fannie Mae HFA Preferred &amp; Freddie Mac HFA Advantage\r\n<ul>\r\n	<li><span style=\"color: #190707;\">Loan to Value (LTV) of 95.01% - 97% - minimum credit score of 680</span></li>\r\n	<li><span style=\"color: #190707;\">Loan to Value (LTV) =&lt;95% - minimum credit score of 640</span></li>\r\n</ul>\r\n</li>\r\n</ul>\r\n<strong>First Time Home Buyer:</strong>\r\n<ul>\r\n	<li>Loan to Value (LTV) of 95.01% - 97% -<span style=\"color: #190707;\"> Homebuyer Education is Required</span></li>\r\n	<li>Loan to Value (LTV) =&lt;95% -<span style=\"color: #190707;\"> Homebuyer Education only required if all borrowers are first-time homebuyers. In that event, at least one homeowner must complete Pre-purchase home-buyer education and counseling.</span></li>\r\n</ul>\r\n<strong>REI can provide Homebuyer Education through EHome America, please click on the following link to take the online course. The cost is $99.00. </strong><a href=\"http://www.ehomeamerica.org/reiok\">www.ehomeamerica.org/reiok</a>\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2015/06/2015-Area-Median-Incomes-FHA-VA-HUD-184.pdf\" target=\"_blank\">2015 Income Limits for FHA, VA, &amp; HUD 184</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2015/06/2015-Area-Median-Incomes-Conventional.pdf\" target=\"_blank\">2015 Income Limits for Conventional Program</a></li>\r\n</ul>', 'REI Gift100 Program', '', 'inherit', 'open', 'open', '', '168-revision-v1', '', '', '2015-06-03 20:11:25', '2015-06-03 20:11:25', '', 168, 'http://reidownpayment.org/168-revision-v1/', 0, 'revision', '', 0),
(900, 2, '2015-06-03 20:12:34', '2015-06-03 20:12:34', '<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 Program\r\n</strong>\r\n\r\nREI Down Payment Assistance invests in Oklahoma’s future by providing housing opportunities to low income individuals and families. The 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 that you are not required to pay back and there will not be 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	<li>Fannie Mae HFA Preferred</li>\r\n	<li>Freddie Mac HFA Advantage</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>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. The following is a breakdown of the assistance available:\r\n\r\n	<li><span style=\"color: #190707;\">FHA, VA, Rural Development &amp; HUD Section 184</span></a></li>\r\n<ul>\r\n	 Gift of 3.5 or 5.0% of the total loan amount</span>\r\n</ul>\r\n\r\n	<li><span style=\"color: #190707;\">Fannie Mae HFA Preferred &amp; Freddie Mac HFA Advantage</span></a>\r\n<ul>\r\n	Gift of 3.0, 4.0, or 5.0% of the total loan amount</span>\r\n</ul>\r\n</li>\r\n</ul>\r\n<strong>Lenders:</strong> You may use the REI Gift100 approved lender of your choice. 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 appropriate link below for the Area Median Income requirements.\r\n\r\n<strong>Credit Score:</strong>\r\n<ul>\r\n	<li>FHA, VA, Rural Development &amp; HUD Section 184\r\n<ul>\r\n	<li><span style=\"color: #190707;\">Minimum Credit Score of 640</span></li>\r\n</ul>\r\n</li>\r\n	<li>Fannie Mae HFA Preferred &amp; Freddie Mac HFA Advantage\r\n<ul>\r\n	<li><span style=\"color: #190707;\">Loan to Value (LTV) of 95.01% - 97% - minimum credit score of 680</span></li>\r\n	<li><span style=\"color: #190707;\">Loan to Value (LTV) =&lt;95% - minimum credit score of 640</span></li>\r\n</ul>\r\n</li>\r\n</ul>\r\n<strong>First Time Home Buyer:</strong>\r\n<ul>\r\n	<li>Loan to Value (LTV) of 95.01% - 97% -<span style=\"color: #190707;\"> Homebuyer Education is Required</span></li>\r\n	<li>Loan to Value (LTV) =&lt;95% -<span style=\"color: #190707;\"> Homebuyer Education only required if all borrowers are first-time homebuyers. In that event, at least one homeowner must complete Pre-purchase home-buyer education and counseling.</span></li>\r\n</ul>\r\n<strong>REI can provide Homebuyer Education through EHome America, please click on the following link to take the online course. The cost is $99.00. </strong><a href=\"http://www.ehomeamerica.org/reiok\">www.ehomeamerica.org/reiok</a>\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2015/06/2015-Area-Median-Incomes-FHA-VA-HUD-184.pdf\" target=\"_blank\">2015 Income Limits for FHA, VA, &amp; HUD 184</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2015/06/2015-Area-Median-Incomes-Conventional.pdf\" target=\"_blank\">2015 Income Limits for Conventional Program</a></li>\r\n</ul>', 'REI Gift100 Program', '', 'inherit', 'open', 'open', '', '168-revision-v1', '', '', '2015-06-03 20:12:34', '2015-06-03 20:12:34', '', 168, 'http://reidownpayment.org/168-revision-v1/', 0, 'revision', '', 0),
(901, 2, '2015-06-03 20:13:10', '2015-06-03 20:13:10', '<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 Program\r\n</strong>\r\n\r\nREI Down Payment Assistance invests in Oklahoma’s future by providing housing opportunities to low income individuals and families. The 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 that you are not required to pay back and there will not be 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	<li>Fannie Mae HFA Preferred</li>\r\n	<li>Freddie Mac HFA Advantage</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>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. The following is a breakdown of the assistance available:\r\n\r\n	<li><span style=\"color: #190707;\">FHA, VA, Rural Development &amp; HUD Section 184</span></li>\r\n<ul>\r\n	 Gift of 3.5 or 5.0% of the total loan amount</span>\r\n</ul>\r\n\r\n	<li><span style=\"color: #190707;\">Fannie Mae HFA Preferred &amp; Freddie Mac HFA Advantage</span>\r\n<ul>\r\n	Gift of 3.0, 4.0, or 5.0% of the total loan amount</span>\r\n</ul>\r\n</li>\r\n</ul>\r\n<strong>Lenders:</strong> You may use the REI Gift100 approved lender of your choice. 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 appropriate link below for the Area Median Income requirements.\r\n\r\n<strong>Credit Score:</strong>\r\n<ul>\r\n	<li>FHA, VA, Rural Development &amp; HUD Section 184\r\n<ul>\r\n	<li><span style=\"color: #190707;\">Minimum Credit Score of 640</span></li>\r\n</ul>\r\n</li>\r\n	<li>Fannie Mae HFA Preferred &amp; Freddie Mac HFA Advantage\r\n<ul>\r\n	<li><span style=\"color: #190707;\">Loan to Value (LTV) of 95.01% - 97% - minimum credit score of 680</span></li>\r\n	<li><span style=\"color: #190707;\">Loan to Value (LTV) =&lt;95% - minimum credit score of 640</span></li>\r\n</ul>\r\n</li>\r\n</ul>\r\n<strong>First Time Home Buyer:</strong>\r\n<ul>\r\n	<li>Loan to Value (LTV) of 95.01% - 97% -<span style=\"color: #190707;\"> Homebuyer Education is Required</span></li>\r\n	<li>Loan to Value (LTV) =&lt;95% -<span style=\"color: #190707;\"> Homebuyer Education only required if all borrowers are first-time homebuyers. In that event, at least one homeowner must complete Pre-purchase home-buyer education and counseling.</span></li>\r\n</ul>\r\n<strong>REI can provide Homebuyer Education through EHome America, please click on the following link to take the online course. The cost is $99.00. </strong><a href=\"http://www.ehomeamerica.org/reiok\">www.ehomeamerica.org/reiok</a>\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2015/06/2015-Area-Median-Incomes-FHA-VA-HUD-184.pdf\" target=\"_blank\">2015 Income Limits for FHA, VA, &amp; HUD 184</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2015/06/2015-Area-Median-Incomes-Conventional.pdf\" target=\"_blank\">2015 Income Limits for Conventional Program</a></li>\r\n</ul>', 'REI Gift100 Program', '', 'inherit', 'open', 'open', '', '168-revision-v1', '', '', '2015-06-03 20:13:10', '2015-06-03 20:13:10', '', 168, 'http://reidownpayment.org/168-revision-v1/', 0, 'revision', '', 0),
(902, 2, '2015-06-03 20:13:36', '2015-06-03 20:13:36', '<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 Program\r\n</strong>\r\n\r\nREI Down Payment Assistance invests in Oklahoma’s future by providing housing opportunities to low income individuals and families. The 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 that you are not required to pay back and there will not be 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	<li>Fannie Mae HFA Preferred</li>\r\n	<li>Freddie Mac HFA Advantage</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>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. The following is a breakdown of the assistance available:\r\n\r\n	<li><span style=\"color: #190707;\">FHA, VA, Rural Development &amp; HUD Section 184</li>\r\n<ul>\r\n	 Gift of 3.5 or 5.0% of the total loan amount</span>\r\n</ul>\r\n\r\n	<li><span style=\"color: #190707;\">Fannie Mae HFA Preferred &amp; Freddie Mac HFA Advantage\r\n<ul>\r\n	Gift of 3.0, 4.0, or 5.0% of the total loan amount</span>\r\n</ul>\r\n</li>\r\n</ul>\r\n<strong>Lenders:</strong> You may use the REI Gift100 approved lender of your choice. 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 appropriate link below for the Area Median Income requirements.\r\n\r\n<strong>Credit Score:</strong>\r\n<ul>\r\n	<li>FHA, VA, Rural Development &amp; HUD Section 184\r\n<ul>\r\n	<li><span style=\"color: #190707;\">Minimum Credit Score of 640</span></li>\r\n</ul>\r\n</li>\r\n	<li>Fannie Mae HFA Preferred &amp; Freddie Mac HFA Advantage\r\n<ul>\r\n	<li><span style=\"color: #190707;\">Loan to Value (LTV) of 95.01% - 97% - minimum credit score of 680</span></li>\r\n	<li><span style=\"color: #190707;\">Loan to Value (LTV) =&lt;95% - minimum credit score of 640</span></li>\r\n</ul>\r\n</li>\r\n</ul>\r\n<strong>First Time Home Buyer:</strong>\r\n<ul>\r\n	<li>Loan to Value (LTV) of 95.01% - 97% -<span style=\"color: #190707;\"> Homebuyer Education is Required</span></li>\r\n	<li>Loan to Value (LTV) =&lt;95% -<span style=\"color: #190707;\"> Homebuyer Education only required if all borrowers are first-time homebuyers. In that event, at least one homeowner must complete Pre-purchase home-buyer education and counseling.</span></li>\r\n</ul>\r\n<strong>REI can provide Homebuyer Education through EHome America, please click on the following link to take the online course. The cost is $99.00. </strong><a href=\"http://www.ehomeamerica.org/reiok\">www.ehomeamerica.org/reiok</a>\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2015/06/2015-Area-Median-Incomes-FHA-VA-HUD-184.pdf\" target=\"_blank\">2015 Income Limits for FHA, VA, &amp; HUD 184</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2015/06/2015-Area-Median-Incomes-Conventional.pdf\" target=\"_blank\">2015 Income Limits for Conventional Program</a></li>\r\n</ul>', 'REI Gift100 Program', '', 'inherit', 'open', 'open', '', '168-revision-v1', '', '', '2015-06-03 20:13:36', '2015-06-03 20:13:36', '', 168, 'http://reidownpayment.org/168-revision-v1/', 0, 'revision', '', 0),
(903, 2, '2015-06-03 20:15:00', '2015-06-03 20:15:00', '<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 Program\r\n</strong>\r\n\r\nREI Down Payment Assistance invests in Oklahoma’s future by providing housing opportunities to low income individuals and families. The 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 that you are not required to pay back and there will not be 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	<li>Fannie Mae HFA Preferred</li>\r\n	<li>Freddie Mac HFA Advantage</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>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. The following is a breakdown of the assistance available:\r\n\r\n	<li><span style=\"color: #190707;\">FHA, VA, Rural Development &amp; HUD Section 184</span></li>\r\n<ul>\r\n	 Gift of 3.5 or 5.0% of the total loan amount</span>\r\n</ul>\r\n\r\n	<li><span style=\"color: #190707;\">Fannie Mae HFA Preferred &amp; Freddie Mac HFA Advantage</span></li>\r\n<ul>\r\n	Gift of 3.0, 4.0, or 5.0% of the total loan amount</span>\r\n</ul>\r\n</li>\r\n</ul>\r\n<strong>Lenders:</strong> You may use the REI Gift100 approved lender of your choice. 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 appropriate link below for the Area Median Income requirements.\r\n\r\n<strong>Credit Score:</strong>\r\n<ul>\r\n	<li>FHA, VA, Rural Development &amp; HUD Section 184\r\n<ul>\r\n	<li><span style=\"color: #190707;\">Minimum Credit Score of 640</span></li>\r\n</ul>\r\n</li>\r\n	<li>Fannie Mae HFA Preferred &amp; Freddie Mac HFA Advantage\r\n<ul>\r\n	<li><span style=\"color: #190707;\">Loan to Value (LTV) of 95.01% - 97% - minimum credit score of 680</span></li>\r\n	<li><span style=\"color: #190707;\">Loan to Value (LTV) =&lt;95% - minimum credit score of 640</span></li>\r\n</ul>\r\n</li>\r\n</ul>\r\n<strong>First Time Home Buyer:</strong>\r\n<ul>\r\n	<li>Loan to Value (LTV) of 95.01% - 97% -<span style=\"color: #190707;\"> Homebuyer Education is Required</span></li>\r\n	<li>Loan to Value (LTV) =&lt;95% -<span style=\"color: #190707;\"> Homebuyer Education only required if all borrowers are first-time homebuyers. In that event, at least one homeowner must complete Pre-purchase home-buyer education and counseling.</span></li>\r\n</ul>\r\n<strong>REI can provide Homebuyer Education through EHome America, please click on the following link to take the online course. The cost is $99.00. </strong><a href=\"http://www.ehomeamerica.org/reiok\">www.ehomeamerica.org/reiok</a>\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2015/06/2015-Area-Median-Incomes-FHA-VA-HUD-184.pdf\" target=\"_blank\">2015 Income Limits for FHA, VA, &amp; HUD 184</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2015/06/2015-Area-Median-Incomes-Conventional.pdf\" target=\"_blank\">2015 Income Limits for Conventional Program</a></li>\r\n</ul>', 'REI Gift100 Program', '', 'inherit', 'open', 'open', '', '168-revision-v1', '', '', '2015-06-03 20:15:00', '2015-06-03 20:15:00', '', 168, 'http://reidownpayment.org/168-revision-v1/', 0, 'revision', '', 0),
(904, 2, '2015-06-03 20:15:20', '2015-06-03 20:15:20', '<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 Program\r\n</strong>\r\n\r\nREI Down Payment Assistance invests in Oklahoma’s future by providing housing opportunities to low income individuals and families. The 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 that you are not required to pay back and there will not be 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	<li>Fannie Mae HFA Preferred</li>\r\n	<li>Freddie Mac HFA Advantage</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>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. The following is a breakdown of the assistance available:\r\n\r\n	<li><span style=\"color: #190707;\">FHA, VA, Rural Development &amp; HUD Section 184</span></li>\r\n<ul>\r\n	 Gift of 3.5 or 5.0% of the total loan amount\r\n</ul>\r\n\r\n	<li><span style=\"color: #190707;\">Fannie Mae HFA Preferred &amp; Freddie Mac HFA Advantage</span></li>\r\n<ul>\r\n	Gift of 3.0, 4.0, or 5.0% of the total loan amount\r\n</ul>\r\n</li>\r\n</ul>\r\n<strong>Lenders:</strong> You may use the REI Gift100 approved lender of your choice. 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 appropriate link below for the Area Median Income requirements.\r\n\r\n<strong>Credit Score:</strong>\r\n<ul>\r\n	<li>FHA, VA, Rural Development &amp; HUD Section 184\r\n<ul>\r\n	<li><span style=\"color: #190707;\">Minimum Credit Score of 640</span></li>\r\n</ul>\r\n</li>\r\n	<li>Fannie Mae HFA Preferred &amp; Freddie Mac HFA Advantage\r\n<ul>\r\n	<li><span style=\"color: #190707;\">Loan to Value (LTV) of 95.01% - 97% - minimum credit score of 680</span></li>\r\n	<li><span style=\"color: #190707;\">Loan to Value (LTV) =&lt;95% - minimum credit score of 640</span></li>\r\n</ul>\r\n</li>\r\n</ul>\r\n<strong>First Time Home Buyer:</strong>\r\n<ul>\r\n	<li>Loan to Value (LTV) of 95.01% - 97% -<span style=\"color: #190707;\"> Homebuyer Education is Required</span></li>\r\n	<li>Loan to Value (LTV) =&lt;95% -<span style=\"color: #190707;\"> Homebuyer Education only required if all borrowers are first-time homebuyers. In that event, at least one homeowner must complete Pre-purchase home-buyer education and counseling.</span></li>\r\n</ul>\r\n<strong>REI can provide Homebuyer Education through EHome America, please click on the following link to take the online course. The cost is $99.00. </strong><a href=\"http://www.ehomeamerica.org/reiok\">www.ehomeamerica.org/reiok</a>\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2015/06/2015-Area-Median-Incomes-FHA-VA-HUD-184.pdf\" target=\"_blank\">2015 Income Limits for FHA, VA, &amp; HUD 184</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2015/06/2015-Area-Median-Incomes-Conventional.pdf\" target=\"_blank\">2015 Income Limits for Conventional Program</a></li>\r\n</ul>', 'REI Gift100 Program', '', 'inherit', 'open', 'open', '', '168-revision-v1', '', '', '2015-06-03 20:15:20', '2015-06-03 20:15:20', '', 168, 'http://reidownpayment.org/168-revision-v1/', 0, 'revision', '', 0),
(905, 2, '2015-06-03 20:15:52', '2015-06-03 20:15:52', '<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 Program\r\n</strong>\r\n\r\nREI Down Payment Assistance invests in Oklahoma’s future by providing housing opportunities to low income individuals and families. The 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 that you are not required to pay back and there will not be 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	<li>Fannie Mae HFA Preferred</li>\r\n	<li>Freddie Mac HFA Advantage</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>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. The following is a breakdown of the assistance available:\r\n\r\n	<li><span style=\"color: #190707;\">FHA, VA, Rural Development &amp; HUD Section 184</li>\r\n<ul>\r\n	 Gift of 3.5 or 5.0% of the total loan amount</span>\r\n</ul>\r\n\r\n	<li><span style=\"color: #190707;\">Fannie Mae HFA Preferred &amp; Freddie Mac HFA Advantage</li>\r\n<ul>\r\n	Gift of 3.0, 4.0, or 5.0% of the total loan amount</span>\r\n</ul>\r\n</li>\r\n</ul>\r\n<strong>Lenders:</strong> You may use the REI Gift100 approved lender of your choice. 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 appropriate link below for the Area Median Income requirements.\r\n\r\n<strong>Credit Score:</strong>\r\n<ul>\r\n	<li>FHA, VA, Rural Development &amp; HUD Section 184\r\n<ul>\r\n	<li><span style=\"color: #190707;\">Minimum Credit Score of 640</span></li>\r\n</ul>\r\n</li>\r\n	<li>Fannie Mae HFA Preferred &amp; Freddie Mac HFA Advantage\r\n<ul>\r\n	<li><span style=\"color: #190707;\">Loan to Value (LTV) of 95.01% - 97% - minimum credit score of 680</span></li>\r\n	<li><span style=\"color: #190707;\">Loan to Value (LTV) =&lt;95% - minimum credit score of 640</span></li>\r\n</ul>\r\n</li>\r\n</ul>\r\n<strong>First Time Home Buyer:</strong>\r\n<ul>\r\n	<li>Loan to Value (LTV) of 95.01% - 97% -<span style=\"color: #190707;\"> Homebuyer Education is Required</span></li>\r\n	<li>Loan to Value (LTV) =&lt;95% -<span style=\"color: #190707;\"> Homebuyer Education only required if all borrowers are first-time homebuyers. In that event, at least one homeowner must complete Pre-purchase home-buyer education and counseling.</span></li>\r\n</ul>\r\n<strong>REI can provide Homebuyer Education through EHome America, please click on the following link to take the online course. The cost is $99.00. </strong><a href=\"http://www.ehomeamerica.org/reiok\">www.ehomeamerica.org/reiok</a>\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2015/06/2015-Area-Median-Incomes-FHA-VA-HUD-184.pdf\" target=\"_blank\">2015 Income Limits for FHA, VA, &amp; HUD 184</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2015/06/2015-Area-Median-Incomes-Conventional.pdf\" target=\"_blank\">2015 Income Limits for Conventional Program</a></li>\r\n</ul>', 'REI Gift100 Program', '', 'inherit', 'open', 'open', '', '168-revision-v1', '', '', '2015-06-03 20:15:52', '2015-06-03 20:15:52', '', 168, 'http://reidownpayment.org/168-revision-v1/', 0, 'revision', '', 0),
(906, 2, '2015-06-03 20:17:12', '2015-06-03 20:17:12', '<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 Program\r\n</strong>\r\n\r\nREI Down Payment Assistance invests in Oklahoma’s future by providing housing opportunities to low income individuals and families. The 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 that you are not required to pay back and there will not be 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	<li>Fannie Mae HFA Preferred</li>\r\n	<li>Freddie Mac HFA Advantage</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>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. The following is a breakdown of the assistance available:\r\n\r\n	<li><span style=\"color: #190707;\">FHA, VA, Rural Development &amp; HUD Section 184</span></li>\r\n<ul>\r\n	 Gift of 3.5 or 5.0% of the total loan amount</span>\r\n</ul>\r\n\r\n	<li><span style=\"color: #190707;\">Fannie Mae HFA Preferred &amp; Freddie Mac HFA Advantage</span></li>\r\n<ul>\r\n	Gift of 3.0, 4.0, or 5.0% of the total loan amount</span>\r\n</ul>\r\n</li>\r\n</ul>\r\n<strong>Lenders:</strong> You may use the REI Gift100 approved lender of your choice. 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 appropriate link below for the Area Median Income requirements.\r\n\r\n<strong>Credit Score:</strong>\r\n<ul>\r\n	<li>FHA, VA, Rural Development &amp; HUD Section 184\r\n<ul>\r\n	<li><span style=\"color: #190707;\">Minimum Credit Score of 640</span></li>\r\n</ul>\r\n</li>\r\n	<li>Fannie Mae HFA Preferred &amp; Freddie Mac HFA Advantage\r\n<ul>\r\n	<li><span style=\"color: #190707;\">Loan to Value (LTV) of 95.01% - 97% - minimum credit score of 680</span></li>\r\n	<li><span style=\"color: #190707;\">Loan to Value (LTV) =&lt;95% - minimum credit score of 640</span></li>\r\n</ul>\r\n</li>\r\n</ul>\r\n<strong>First Time Home Buyer:</strong>\r\n<ul>\r\n	<li>Loan to Value (LTV) of 95.01% - 97% -<span style=\"color: #190707;\"> Homebuyer Education is Required</span></li>\r\n	<li>Loan to Value (LTV) =&lt;95% -<span style=\"color: #190707;\"> Homebuyer Education only required if all borrowers are first-time homebuyers. In that event, at least one homeowner must complete Pre-purchase home-buyer education and counseling.</span></li>\r\n</ul>\r\n<strong>REI can provide Homebuyer Education through EHome America, please click on the following link to take the online course. The cost is $99.00. </strong><a href=\"http://www.ehomeamerica.org/reiok\">www.ehomeamerica.org/reiok</a>\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2015/06/2015-Area-Median-Incomes-FHA-VA-HUD-184.pdf\" target=\"_blank\">2015 Income Limits for FHA, VA, &amp; HUD 184</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2015/06/2015-Area-Median-Incomes-Conventional.pdf\" target=\"_blank\">2015 Income Limits for Conventional Program</a></li>\r\n</ul>', 'REI Gift100 Program', '', 'inherit', 'open', 'open', '', '168-revision-v1', '', '', '2015-06-03 20:17:12', '2015-06-03 20:17:12', '', 168, 'http://reidownpayment.org/168-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
(907, 2, '2015-06-03 20:17:47', '2015-06-03 20:17:47', '<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 Program\r\n</strong>\r\n\r\nREI Down Payment Assistance invests in Oklahoma’s future by providing housing opportunities to low income individuals and families. The 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 that you are not required to pay back and there will not be 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	<li>Fannie Mae HFA Preferred</li>\r\n	<li>Freddie Mac HFA Advantage</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>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. The following is a breakdown of the assistance available:\r\n\r\n	<li><span style=\"color: #190707;\">FHA, VA, Rural Development &amp; HUD Section 184</span></li>\r\n\r\n	 Gift of 3.5 or 5.0% of the total loan amount</span>\r\n</ul>\r\n\r\n	<li><span style=\"color: #190707;\">Fannie Mae HFA Preferred &amp; Freddie Mac HFA Advantage</span></li>\r\n<ul>\r\n	Gift of 3.0, 4.0, or 5.0% of the total loan amount</span>\r\n</ul>\r\n</li>\r\n</ul>\r\n<strong>Lenders:</strong> You may use the REI Gift100 approved lender of your choice. 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 appropriate link below for the Area Median Income requirements.\r\n\r\n<strong>Credit Score:</strong>\r\n<ul>\r\n	<li>FHA, VA, Rural Development &amp; HUD Section 184\r\n<ul>\r\n	<li><span style=\"color: #190707;\">Minimum Credit Score of 640</span></li>\r\n</ul>\r\n</li>\r\n	<li>Fannie Mae HFA Preferred &amp; Freddie Mac HFA Advantage\r\n<ul>\r\n	<li><span style=\"color: #190707;\">Loan to Value (LTV) of 95.01% - 97% - minimum credit score of 680</span></li>\r\n	<li><span style=\"color: #190707;\">Loan to Value (LTV) =&lt;95% - minimum credit score of 640</span></li>\r\n</ul>\r\n</li>\r\n</ul>\r\n<strong>First Time Home Buyer:</strong>\r\n<ul>\r\n	<li>Loan to Value (LTV) of 95.01% - 97% -<span style=\"color: #190707;\"> Homebuyer Education is Required</span></li>\r\n	<li>Loan to Value (LTV) =&lt;95% -<span style=\"color: #190707;\"> Homebuyer Education only required if all borrowers are first-time homebuyers. In that event, at least one homeowner must complete Pre-purchase home-buyer education and counseling.</span></li>\r\n</ul>\r\n<strong>REI can provide Homebuyer Education through EHome America, please click on the following link to take the online course. The cost is $99.00. </strong><a href=\"http://www.ehomeamerica.org/reiok\">www.ehomeamerica.org/reiok</a>\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2015/06/2015-Area-Median-Incomes-FHA-VA-HUD-184.pdf\" target=\"_blank\">2015 Income Limits for FHA, VA, &amp; HUD 184</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2015/06/2015-Area-Median-Incomes-Conventional.pdf\" target=\"_blank\">2015 Income Limits for Conventional Program</a></li>\r\n</ul>', 'REI Gift100 Program', '', 'inherit', 'open', 'open', '', '168-revision-v1', '', '', '2015-06-03 20:17:47', '2015-06-03 20:17:47', '', 168, 'http://reidownpayment.org/168-revision-v1/', 0, 'revision', '', 0),
(908, 2, '2015-06-03 20:18:35', '2015-06-03 20:18:35', '<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 Program\r\n</strong>\r\n\r\nREI Down Payment Assistance invests in Oklahoma’s future by providing housing opportunities to low income individuals and families. The 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 that you are not required to pay back and there will not be 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	<li>Fannie Mae HFA Preferred</li>\r\n	<li>Freddie Mac HFA Advantage</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>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. The following is a breakdown of the assistance available:\r\n<ul>\r\n	<li><span style=\"color: #190707;\">FHA, VA, Rural Development &amp; HUD Section 184</span></li>\r\n	 Gift of 3.5 or 5.0% of the total loan amount</span>\r\n</ul>\r\n\r\n	<li><span style=\"color: #190707;\">Fannie Mae HFA Preferred &amp; Freddie Mac HFA Advantage</span></li>\r\n<ul>\r\n	Gift of 3.0, 4.0, or 5.0% of the total loan amount</span>\r\n</ul>\r\n</li>\r\n</ul>\r\n<strong>Lenders:</strong> You may use the REI Gift100 approved lender of your choice. 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 appropriate link below for the Area Median Income requirements.\r\n\r\n<strong>Credit Score:</strong>\r\n<ul>\r\n	<li>FHA, VA, Rural Development &amp; HUD Section 184\r\n<ul>\r\n	<li><span style=\"color: #190707;\">Minimum Credit Score of 640</span></li>\r\n</ul>\r\n</li>\r\n	<li>Fannie Mae HFA Preferred &amp; Freddie Mac HFA Advantage\r\n<ul>\r\n	<li><span style=\"color: #190707;\">Loan to Value (LTV) of 95.01% - 97% - minimum credit score of 680</span></li>\r\n	<li><span style=\"color: #190707;\">Loan to Value (LTV) =&lt;95% - minimum credit score of 640</span></li>\r\n</ul>\r\n</li>\r\n</ul>\r\n<strong>First Time Home Buyer:</strong>\r\n<ul>\r\n	<li>Loan to Value (LTV) of 95.01% - 97% -<span style=\"color: #190707;\"> Homebuyer Education is Required</span></li>\r\n	<li>Loan to Value (LTV) =&lt;95% -<span style=\"color: #190707;\"> Homebuyer Education only required if all borrowers are first-time homebuyers. In that event, at least one homeowner must complete Pre-purchase home-buyer education and counseling.</span></li>\r\n</ul>\r\n<strong>REI can provide Homebuyer Education through EHome America, please click on the following link to take the online course. The cost is $99.00. </strong><a href=\"http://www.ehomeamerica.org/reiok\">www.ehomeamerica.org/reiok</a>\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2015/06/2015-Area-Median-Incomes-FHA-VA-HUD-184.pdf\" target=\"_blank\">2015 Income Limits for FHA, VA, &amp; HUD 184</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2015/06/2015-Area-Median-Incomes-Conventional.pdf\" target=\"_blank\">2015 Income Limits for Conventional Program</a></li>\r\n</ul>', 'REI Gift100 Program', '', 'inherit', 'open', 'open', '', '168-revision-v1', '', '', '2015-06-03 20:18:35', '2015-06-03 20:18:35', '', 168, 'http://reidownpayment.org/168-revision-v1/', 0, 'revision', '', 0),
(909, 2, '2015-06-03 20:24:18', '2015-06-03 20:24:18', '<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 Program\r\n</strong>\r\n\r\nREI Down Payment Assistance invests in Oklahoma’s future by providing housing opportunities to low income individuals and families. The 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 that you are not required to pay back and there will not be 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	<li>Fannie Mae HFA Preferred</li>\r\n	<li>Freddie Mac HFA Advantage</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>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. The following is a breakdown of the assistance available:\r\n<ul>\r\n	<li>FHA, VA, Rural Development &amp; HUD Section 184\r\n<ul>\r\n	<li>Gift of 3.5 or 5.0% of the total loan amount</li>\r\n</ul>\r\n</li>\r\n	<li>Fannie Mae HFA Preferred &amp; Freddie Mac HFA Advantage\r\n<ul>\r\n	<li>Gift of 3.0, 4.0, or 5.0% of the total loan amount</li>\r\n</ul>\r\n</li>\r\n</ul>\r\n<strong>Lenders:</strong> You may use the REI Gift100 approved lender of your choice. 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 appropriate link below for the Area Median Income requirements.\r\n\r\n<strong>Credit Score:</strong>\r\n<ul>\r\n	<li>FHA, VA, Rural Development &amp; HUD Section 184\r\n<ul>\r\n	<li><span style=\"color: #190707;\">Minimum Credit Score of 640</span></li>\r\n</ul>\r\n</li>\r\n	<li>Fannie Mae HFA Preferred &amp; Freddie Mac HFA Advantage\r\n<ul>\r\n	<li><span style=\"color: #190707;\">Loan to Value (LTV) of 95.01% - 97% - minimum credit score of 680</span></li>\r\n	<li><span style=\"color: #190707;\">Loan to Value (LTV) =&lt;95% - minimum credit score of 640</span></li>\r\n</ul>\r\n</li>\r\n</ul>\r\n<strong>First Time Home Buyer:</strong>\r\n<ul>\r\n	<li>Loan to Value (LTV) of 95.01% - 97% -<span style=\"color: #190707;\"> Homebuyer Education is Required</span></li>\r\n	<li>Loan to Value (LTV) =&lt;95% -<span style=\"color: #190707;\"> Homebuyer Education only required if all borrowers are first-time homebuyers. In that event, at least one homeowner must complete Pre-purchase home-buyer education and counseling.</span></li>\r\n</ul>\r\n<strong>REI can provide Homebuyer Education through EHome America, please click on the following link to take the online course. The cost is $99.00. </strong><a href=\"http://www.ehomeamerica.org/reiok\">www.ehomeamerica.org/reiok</a>\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2015/06/2015-Area-Median-Incomes-FHA-VA-HUD-184.pdf\" target=\"_blank\">2015 Income Limits for FHA, VA, &amp; HUD 184</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2015/06/2015-Area-Median-Incomes-Conventional.pdf\" target=\"_blank\">2015 Income Limits for Conventional Program</a></li>\r\n</ul>', 'REI Gift100 Program', '', 'inherit', 'open', 'open', '', '168-revision-v1', '', '', '2015-06-03 20:24:18', '2015-06-03 20:24:18', '', 168, 'http://reidownpayment.org/168-revision-v1/', 0, 'revision', '', 0),
(910, 2, '2015-06-03 20:24:36', '2015-06-03 20:24:36', '<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 Program\r\n</strong>\r\n\r\nREI Down Payment Assistance invests in Oklahoma’s future by providing housing opportunities to low income individuals and families. The 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 that you are not required to pay back and there will not be 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	<li>Fannie Mae HFA Preferred</li>\r\n	<li>Freddie Mac HFA Advantage</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>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. The following is a breakdown of the assistance available:\r\n<ul>\r\n	<li>FHA, VA, Rural Development &amp; HUD Section 184\r\n<ul>\r\n	<li>Gift of 3.5 or 5.0% of the total loan amount</li>\r\n\r\n</li>\r\n	<li>Fannie Mae HFA Preferred &amp; Freddie Mac HFA Advantage\r\n<ul>\r\n	<li>Gift of 3.0, 4.0, or 5.0% of the total loan amount</li>\r\n\r\n</li>\r\n</ul>\r\n<strong>Lenders:</strong> You may use the REI Gift100 approved lender of your choice. 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 appropriate link below for the Area Median Income requirements.\r\n\r\n<strong>Credit Score:</strong>\r\n<ul>\r\n	<li>FHA, VA, Rural Development &amp; HUD Section 184\r\n<ul>\r\n	<li><span style=\"color: #190707;\">Minimum Credit Score of 640</span></li>\r\n</ul>\r\n</li>\r\n	<li>Fannie Mae HFA Preferred &amp; Freddie Mac HFA Advantage\r\n<ul>\r\n	<li><span style=\"color: #190707;\">Loan to Value (LTV) of 95.01% - 97% - minimum credit score of 680</span></li>\r\n	<li><span style=\"color: #190707;\">Loan to Value (LTV) =&lt;95% - minimum credit score of 640</span></li>\r\n</ul>\r\n</li>\r\n</ul>\r\n<strong>First Time Home Buyer:</strong>\r\n<ul>\r\n	<li>Loan to Value (LTV) of 95.01% - 97% -<span style=\"color: #190707;\"> Homebuyer Education is Required</span></li>\r\n	<li>Loan to Value (LTV) =&lt;95% -<span style=\"color: #190707;\"> Homebuyer Education only required if all borrowers are first-time homebuyers. In that event, at least one homeowner must complete Pre-purchase home-buyer education and counseling.</span></li>\r\n</ul>\r\n<strong>REI can provide Homebuyer Education through EHome America, please click on the following link to take the online course. The cost is $99.00. </strong><a href=\"http://www.ehomeamerica.org/reiok\">www.ehomeamerica.org/reiok</a>\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2015/06/2015-Area-Median-Incomes-FHA-VA-HUD-184.pdf\" target=\"_blank\">2015 Income Limits for FHA, VA, &amp; HUD 184</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2015/06/2015-Area-Median-Incomes-Conventional.pdf\" target=\"_blank\">2015 Income Limits for Conventional Program</a></li>\r\n</ul>', 'REI Gift100 Program', '', 'inherit', 'open', 'open', '', '168-revision-v1', '', '', '2015-06-03 20:24:36', '2015-06-03 20:24:36', '', 168, 'http://reidownpayment.org/168-revision-v1/', 0, 'revision', '', 0),
(911, 2, '2015-06-03 20:24:55', '2015-06-03 20:24:55', '<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 Program\r\n</strong>\r\n\r\nREI Down Payment Assistance invests in Oklahoma’s future by providing housing opportunities to low income individuals and families. The 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 that you are not required to pay back and there will not be 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	<li>Fannie Mae HFA Preferred</li>\r\n	<li>Freddie Mac HFA Advantage</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>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. The following is a breakdown of the assistance available:\r\n<ul>\r\n	<li>FHA, VA, Rural Development &amp; HUD Section 184\r\n<ul>\r\n	<li>Gift of 3.5 or 5.0% of the total loan amount</li>\r\n</ul>\r\n</li>\r\n	<li>Fannie Mae HFA Preferred &amp; Freddie Mac HFA Advantage\r\n<ul>\r\n	<li>Gift of 3.0, 4.0, or 5.0% of the total loan amount</li>\r\n</ul>\r\n</li>\r\n</ul>\r\n<strong>Lenders:</strong> You may use the REI Gift100 approved lender of your choice. 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 appropriate link below for the Area Median Income requirements.\r\n\r\n<strong>Credit Score:</strong>\r\n<ul>\r\n	<li>FHA, VA, Rural Development &amp; HUD Section 184\r\n<ul>\r\n	<li><span style=\"color: #190707;\">Minimum Credit Score of 640</span></li>\r\n</ul>\r\n</li>\r\n	<li>Fannie Mae HFA Preferred &amp; Freddie Mac HFA Advantage\r\n<ul>\r\n	<li><span style=\"color: #190707;\">Loan to Value (LTV) of 95.01% - 97% - minimum credit score of 680</span></li>\r\n	<li><span style=\"color: #190707;\">Loan to Value (LTV) =&lt;95% - minimum credit score of 640</span></li>\r\n</ul>\r\n</li>\r\n</ul>\r\n<strong>First Time Home Buyer:</strong>\r\n<ul>\r\n	<li>Loan to Value (LTV) of 95.01% - 97% -<span style=\"color: #190707;\"> Homebuyer Education is Required</span></li>\r\n	<li>Loan to Value (LTV) =&lt;95% -<span style=\"color: #190707;\"> Homebuyer Education only required if all borrowers are first-time homebuyers. In that event, at least one homeowner must complete Pre-purchase home-buyer education and counseling.</span></li>\r\n</ul>\r\n<strong>REI can provide Homebuyer Education through EHome America, please click on the following link to take the online course. The cost is $99.00. </strong><a href=\"http://www.ehomeamerica.org/reiok\">www.ehomeamerica.org/reiok</a>\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2015/06/2015-Area-Median-Incomes-FHA-VA-HUD-184.pdf\" target=\"_blank\">2015 Income Limits for FHA, VA, &amp; HUD 184</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2015/06/2015-Area-Median-Incomes-Conventional.pdf\" target=\"_blank\">2015 Income Limits for Conventional Program</a></li>\r\n</ul>', 'REI Gift100 Program', '', 'inherit', 'open', 'open', '', '168-revision-v1', '', '', '2015-06-03 20:24:55', '2015-06-03 20:24:55', '', 168, 'http://reidownpayment.org/168-revision-v1/', 0, 'revision', '', 0),
(912, 2, '2015-06-04 13:58:03', '2015-06-04 13:58:03', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated June 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\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-06-04 13:58:03', '2015-06-04 13:58:03', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(913, 2, '2015-06-04 16:20:37', '2015-06-04 16:20:37', '<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 Program\r\n</strong>\r\n\r\nREI Down Payment Assistance invests in Oklahoma’s future by providing housing opportunities to low income individuals and families. The 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 that you are not required to pay back and there will not be 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	<li>Fannie Mae HFA Preferred</li>\r\n	<li>Freddie Mac HFA Advantage</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>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. The following is a breakdown of the assistance available:\r\n<ul>\r\n	<li>FHA, VA, Rural Development &amp; HUD Section 184\r\n<ul>\r\n	<li>Gift of 3.5 or 5.0% of the total loan amount</li>\r\n</ul>\r\n</li>\r\n	<li>Fannie Mae HFA Preferred &amp; Freddie Mac HFA Advantage\r\n<ul>\r\n	<li>Gift of 3.0, 4.0, or 5.0% of the total loan amount</li>\r\n</ul>\r\n</li>\r\n</ul>\r\n<strong>Lenders:</strong> You may use the REI Gift100 approved lender of your choice. 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 appropriate link below for the Area Median Income requirements.\r\n\r\n<strong>Credit Score:</strong>\r\n<ul>\r\n	<li>FHA, VA, Rural Development &amp; HUD Section 184\r\n<ul>\r\n	<li><span style=\"color: #190707;\">Minimum Credit Score of 640</span></li>\r\n</ul>\r\n</li>\r\n	<li>Fannie Mae HFA Preferred &amp; Freddie Mac HFA Advantage\r\n<ul>\r\n	<li><span style=\"color: #190707;\">Loan to Value (LTV) of 95.01% - 97% - minimum credit score of 680</span></li>\r\n	<li><span style=\"color: #190707;\">Loan to Value (LTV) =&lt;95% - minimum credit score of 640</span></li>\r\n</ul>\r\n</li>\r\n</ul>\r\n<strong>First Time Home Buyer: </strong>No first-time home buyer requirement, however the borrower cannot  as of the note date, have any individual or joint ownership interest in any other residential properties.<strong>\r\n</strong>\r\n\r\n<strong>REI can provide Homebuyer Education through EHome America, please click on the following link to take the online course. The cost is $99.00. </strong><a href=\"http://www.ehomeamerica.org/reiok\">www.ehomeamerica.org/reiok</a>\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2015/06/2015-Area-Median-Incomes-FHA-VA-HUD-184.pdf\" target=\"_blank\">2015 Income Limits for FHA, VA, &amp; HUD 184</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2015/06/2015-Area-Median-Incomes-Conventional.pdf\" target=\"_blank\">2015 Income Limits for Conventional Program</a></li>\r\n</ul>', 'REI Gift100 Program', '', 'inherit', 'open', 'open', '', '168-revision-v1', '', '', '2015-06-04 16:20:37', '2015-06-04 16:20:37', '', 168, 'http://reidownpayment.org/168-revision-v1/', 0, 'revision', '', 0),
(914, 2, '2015-06-05 13:57:41', '2015-06-05 13:57:41', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated June 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\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-06-05 13:57:41', '2015-06-05 13:57:41', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(916, 2, '2015-06-08 13:58:38', '2015-06-08 13:58:38', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated June 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\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-06-08 13:58:38', '2015-06-08 13:58:38', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(917, 2, '2015-06-09 13:59:02', '2015-06-09 13:59:02', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated June 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', '', '', '2015-06-09 13:59:02', '2015-06-09 13:59:02', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(918, 2, '2015-06-10 13:51:48', '2015-06-10 13:51:48', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated June 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', '', '', '2015-06-10 13:51:48', '2015-06-10 13:51:48', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(919, 2, '2015-06-10 19:32:02', '2015-06-10 19:32:02', '<strong>REI GIFT100 - Conventional</strong>\r\n\r\nREI Down Payment Assistance invests in Oklahoma’s future by providing housing opportunities to low income individuals and families. The 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>Fannie Mae HFA Preferred</li>\r\n	<li>Freddie Mac HFA Advantage</li>\r\n</ul>\r\nRate/term refinance on any of the above loan products.\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 Dena Sherrill, Housing Program Manager, REI Down Payment Assistance at 1-800-658-2823 or dsherrill@reiok.org or Jeremy Layman, Housing Program Specialist at <a href=\"mailto:jlayman@reiok.org\">jlayman@reiok.org</a>.\r\n\r\n<strong>***Third Party Origination is not allowed***</strong>\r\n\r\n<strong>Program Highlights</strong>\r\n\r\n<strong>Structure:</strong> 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 and pre-paid expenses 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<ul>\r\n	<li>Fannie Mae HFA Preferred &amp; Freddie Mac HFA Advantage\r\n<ul>\r\n	<li>Gift of 3.0, 4.0, or 5.0% of the total loan amount</li>\r\n</ul>\r\n</li>\r\n</ul>\r\n<strong>First Mortgage Origination Fee: </strong>Usual and customary at lender’s discretion.\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 www.reigift100.org. <strong>All loans must be delivered and purchased by U.S. Bank prior within 60 days of rate lock.</strong> One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>7 days is 0.09375%</li>\r\n	<li>15 days is 0.1875%</li>\r\n	<li>22 days is 0.28125%</li>\r\n	<li>30 days is 0.375%</li>\r\n</ul>\r\n<strong>***Rates can be subject to intra-day pricing changes***</strong>\r\n\r\n<strong>Income Limits:</strong> The Borrower\'s qualifying 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 www.reigift100.org.\r\n\r\n<strong>***Lenders will be responsible for ensuring that the income meets program guidelines.***</strong>\r\n\r\n<strong>Credit Score:</strong>\r\n<ul>\r\n	<li>Loan to Value (LTV) of 95.01% - 97% - minimum credit score of 680</li>\r\n	<li>Loan to Value (LTV) =&lt;95% - minimum credit score of 640 and 660 for Manufactured Housing – Doublewide only</li>\r\n</ul>\r\n<strong>Maximum DTI:</strong> 45% no exceptions. See Program Summary below for more specific underwriting and/or manual underwriting details.\r\n\r\n<strong>Mortgage Insurance: </strong>Approved MI Companies are Arch, Essent, Genworth, MGIC, Radian, and United Guaranty\r\n\r\n<strong>MI Coverage:</strong>\r\n18% for LTVs &gt;95% and &lt; = 97%\r\n16% for LTVs &gt;90% and &lt;= 95%\r\n12% for LTVs &gt;85% and &lt;= 90%\r\n6% for LTVs &gt;80% and &lt;= 85%\r\n\r\n<strong>Seller Contributions: </strong>\r\n\r\n<strong>First Time Home Buyer:</strong> No first-time home buyer requirement, however the borrower cannot as of the note date, have any individual or joint ownership interest in any other residential properties.\r\n\r\n<strong>Home Buyer Education:</strong>\r\n<ul>\r\n	<li>Loan to Value (LTV) of 95.01% - 97% - Homebuyer Education is Required</li>\r\n	<li>Loan to Value (LTV) =&lt; 95% - Homebuyer Education only required if all borrowers are first-time homebuyers. In that event, at least one homeowner must complete Pre-purchase home-buyer education and counseling.</li>\r\n</ul>\r\n<strong>REI can provide Homebuyer Education through EHome America, please click on the following link to take the online course. The cost is $99.00.</strong>\r\n\r\n<a href=\"http://www.ehomeamerica.org/reiok\">www.ehomeamerica.org/reiok</a>', 'REI Gift100 Conventional Loan Program', '', 'inherit', 'open', 'open', '', '217-revision-v1', '', '', '2015-06-10 19:32:02', '2015-06-10 19:32:02', '', 217, 'http://reidownpayment.org/217-revision-v1/', 0, 'revision', '', 0),
(920, 2, '2015-06-10 19:36:08', '2015-06-10 19:36:08', '<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 Government Loan Program\r\n</strong>\r\n\r\nREI Down Payment Assistance invests in Oklahoma’s future by providing housing opportunities to low income individuals and families. The 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 that you are not required to pay back and there will not be 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	<li>Fannie Mae HFA Preferred</li>\r\n	<li>Freddie Mac HFA Advantage</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>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. The following is a breakdown of the assistance available:\r\n<ul>\r\n	<li>FHA, VA, Rural Development &amp; HUD Section 184\r\n<ul>\r\n	<li>Gift of 3.5 or 5.0% of the total loan amount</li>\r\n</ul>\r\n</li>\r\n	<li>Fannie Mae HFA Preferred &amp; Freddie Mac HFA Advantage\r\n<ul>\r\n	<li>Gift of 3.0, 4.0, or 5.0% of the total loan amount</li>\r\n</ul>\r\n</li>\r\n</ul>\r\n<strong>Lenders:</strong> You may use the REI Gift100 approved lender of your choice. 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 appropriate link below for the Area Median Income requirements.\r\n\r\n<strong>Credit Score:</strong>\r\n<ul>\r\n	<li>FHA, VA, Rural Development &amp; HUD Section 184\r\n<ul>\r\n	<li><span style=\"color: #190707;\">Minimum Credit Score of 640</span></li>\r\n</ul>\r\n</li>\r\n	<li>Fannie Mae HFA Preferred &amp; Freddie Mac HFA Advantage\r\n<ul>\r\n	<li><span style=\"color: #190707;\">Loan to Value (LTV) of 95.01% - 97% - minimum credit score of 680</span></li>\r\n	<li><span style=\"color: #190707;\">Loan to Value (LTV) =&lt;95% - minimum credit score of 640</span></li>\r\n</ul>\r\n</li>\r\n</ul>\r\n<strong>First Time Home Buyer: </strong>No first-time home buyer requirement, however the borrower cannot  as of the note date, have any individual or joint ownership interest in any other residential properties.<strong>\r\n</strong>\r\n\r\n<strong>REI can provide Homebuyer Education through EHome America, please click on the following link to take the online course. The cost is $99.00. </strong><a href=\"http://www.ehomeamerica.org/reiok\">www.ehomeamerica.org/reiok</a>\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2015/06/2015-Area-Median-Incomes-FHA-VA-HUD-184.pdf\" target=\"_blank\">2015 Income Limits for FHA, VA, &amp; HUD 184</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2015/06/2015-Area-Median-Incomes-Conventional.pdf\" target=\"_blank\">2015 Income Limits for Conventional Program</a></li>\r\n</ul>', 'REI Gift100 Government Loan Program', '', 'inherit', 'open', 'open', '', '168-revision-v1', '', '', '2015-06-10 19:36:08', '2015-06-10 19:36:08', '', 168, 'http://reidownpayment.org/168-revision-v1/', 0, 'revision', '', 0),
(921, 2, '2015-06-10 19:36:42', '2015-06-10 19:36:42', '<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 Program\r\n</strong>\r\n\r\nREI Down Payment Assistance invests in Oklahoma’s future by providing housing opportunities to low income individuals and families. The 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 that you are not required to pay back and there will not be 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	<li>Fannie Mae HFA Preferred</li>\r\n	<li>Freddie Mac HFA Advantage</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>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. The following is a breakdown of the assistance available:\r\n<ul>\r\n	<li>FHA, VA, Rural Development &amp; HUD Section 184\r\n<ul>\r\n	<li>Gift of 3.5 or 5.0% of the total loan amount</li>\r\n</ul>\r\n</li>\r\n	<li>Fannie Mae HFA Preferred &amp; Freddie Mac HFA Advantage\r\n<ul>\r\n	<li>Gift of 3.0, 4.0, or 5.0% of the total loan amount</li>\r\n</ul>\r\n</li>\r\n</ul>\r\n<strong>Lenders:</strong> You may use the REI Gift100 approved lender of your choice. 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 appropriate link below for the Area Median Income requirements.\r\n\r\n<strong>Credit Score:</strong>\r\n<ul>\r\n	<li>FHA, VA, Rural Development &amp; HUD Section 184\r\n<ul>\r\n	<li><span style=\"color: #190707;\">Minimum Credit Score of 640</span></li>\r\n</ul>\r\n</li>\r\n	<li>Fannie Mae HFA Preferred &amp; Freddie Mac HFA Advantage\r\n<ul>\r\n	<li><span style=\"color: #190707;\">Loan to Value (LTV) of 95.01% - 97% - minimum credit score of 680</span></li>\r\n	<li><span style=\"color: #190707;\">Loan to Value (LTV) =&lt;95% - minimum credit score of 640</span></li>\r\n</ul>\r\n</li>\r\n</ul>\r\n<strong>First Time Home Buyer: </strong>No first-time home buyer requirement, however the borrower cannot  as of the note date, have any individual or joint ownership interest in any other residential properties.<strong>\r\n</strong>\r\n\r\n<strong>REI can provide Homebuyer Education through EHome America, please click on the following link to take the online course. The cost is $99.00. </strong><a href=\"http://www.ehomeamerica.org/reiok\">www.ehomeamerica.org/reiok</a>\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2015/06/2015-Area-Median-Incomes-FHA-VA-HUD-184.pdf\" target=\"_blank\">2015 Income Limits for FHA, VA, &amp; HUD 184</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2015/06/2015-Area-Median-Incomes-Conventional.pdf\" target=\"_blank\">2015 Income Limits for Conventional Program</a></li>\r\n</ul>', 'REI Gift100 Program', '', 'inherit', 'open', 'open', '', '168-revision-v1', '', '', '2015-06-10 19:36:42', '2015-06-10 19:36:42', '', 168, 'http://reidownpayment.org/168-revision-v1/', 0, 'revision', '', 0),
(922, 2, '2015-06-10 19:37:35', '2015-06-10 19:37:35', '<b>REI GIFT100 GOVERNMENT LOAN 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<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	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2015/03/1-Non-Residential-Structure-Discl.-and-Ins.-Change-HFA.pdf\" target=\"_blank\">HFIAA Flood Disclosure and Insurance Reminder</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2015/03/Dodd-Frank-Compliance-Ln2014-42.pdf\" target=\"_blank\">Dodd-Frank Compliance</a></li>\r\n</ul>\r\n</ul>', 'REI Gift100 Government Loan Program', '', 'inherit', 'open', 'open', '', '431-revision-v1', '', '', '2015-06-10 19:37:35', '2015-06-10 19:37:35', '', 431, 'http://reidownpayment.org/431-revision-v1/', 0, 'revision', '', 0);
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(923, 2, '2015-06-10 19:37:56', '2015-06-10 19:37:56', '<b>REI GIFT100  - Government\r\n</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<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	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2015/03/1-Non-Residential-Structure-Discl.-and-Ins.-Change-HFA.pdf\" target=\"_blank\">HFIAA Flood Disclosure and Insurance Reminder</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2015/03/Dodd-Frank-Compliance-Ln2014-42.pdf\" target=\"_blank\">Dodd-Frank Compliance</a></li>\r\n</ul>\r\n</ul>', 'REI Gift100 Government Loan Program', '', 'inherit', 'open', 'open', '', '431-revision-v1', '', '', '2015-06-10 19:37:56', '2015-06-10 19:37:56', '', 431, 'http://reidownpayment.org/431-revision-v1/', 0, 'revision', '', 0),
(924, 2, '2015-06-10 19:38:25', '2015-06-10 19:38:25', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated June 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 Rates', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-06-10 19:38:25', '2015-06-10 19:38:25', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(925, 2, '2015-06-10 19:43:04', '2015-06-10 19:43:04', '', 'REI Gift100 Fannie Mae Conventional Program Summary 15.06', '', 'inherit', 'open', 'open', '', 'rei-gift100-fannie-mae-conventional-program-summary-15-06', '', '', '2015-06-10 19:43:04', '2015-06-10 19:43:04', '', 0, 'http://reidownpayment.org/wp/wp-content/uploads/2015/06/REI-Gift100-Fannie-Mae-Conventional-Program-Summary-15.06.pdf', 0, 'attachment', 'application/pdf', 0),
(926, 2, '2015-06-10 19:43:10', '2015-06-10 19:43:10', '', '2015 Area Median Incomes - Conventional', '', 'inherit', 'open', 'open', '', '2015-area-median-incomes-conventional-2', '', '', '2015-06-10 19:43:10', '2015-06-10 19:43:10', '', 0, 'http://reidownpayment.org/wp/wp-content/uploads/2015/06/2015-Area-Median-Incomes-Conventional1.pdf', 0, 'attachment', 'application/pdf', 0),
(927, 2, '2015-06-10 19:44:09', '2015-06-10 19:44:09', '<strong>REI GIFT100 - Conventional</strong>\r\n\r\nREI Down Payment Assistance invests in Oklahoma’s future by providing housing opportunities to low income individuals and families. The 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>Fannie Mae HFA Preferred</li>\r\n	<li>Freddie Mac HFA Advantage</li>\r\n</ul>\r\nRate/term refinance on any of the above loan products.\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 Dena Sherrill, Housing Program Manager, REI Down Payment Assistance at 1-800-658-2823 or dsherrill@reiok.org or Jeremy Layman, Housing Program Specialist at <a href=\"mailto:jlayman@reiok.org\">jlayman@reiok.org</a>.\r\n\r\n<strong>***Third Party Origination is not allowed***</strong>\r\n\r\n<strong>Program Highlights</strong>\r\n\r\n<strong>Structure:</strong> 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 and pre-paid expenses 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<ul>\r\n	<li>Fannie Mae HFA Preferred &amp; Freddie Mac HFA Advantage\r\n<ul>\r\n	<li>Gift of 3.0, 4.0, or 5.0% of the total loan amount</li>\r\n</ul>\r\n</li>\r\n</ul>\r\n<strong>First Mortgage Origination Fee: </strong>Usual and customary at lender’s discretion.\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 www.reigift100.org. <strong>All loans must be delivered and purchased by U.S. Bank prior within 60 days of rate lock.</strong> One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>7 days is 0.09375%</li>\r\n	<li>15 days is 0.1875%</li>\r\n	<li>22 days is 0.28125%</li>\r\n	<li>30 days is 0.375%</li>\r\n</ul>\r\n<strong>***Rates can be subject to intra-day pricing changes***</strong>\r\n\r\n<strong>Income Limits:</strong> The Borrower\'s qualifying 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 www.reigift100.org.\r\n\r\n<strong>***Lenders will be responsible for ensuring that the income meets program guidelines.***</strong>\r\n\r\n<strong>Credit Score:</strong>\r\n<ul>\r\n	<li>Loan to Value (LTV) of 95.01% - 97% - minimum credit score of 680</li>\r\n	<li>Loan to Value (LTV) =&lt;95% - minimum credit score of 640 and 660 for Manufactured Housing – Doublewide only</li>\r\n</ul>\r\n<strong>Maximum DTI:</strong> 45% no exceptions. See Program Summary below for more specific underwriting and/or manual underwriting details.\r\n\r\n<strong>Mortgage Insurance: </strong>Approved MI Companies are Arch, Essent, Genworth, MGIC, Radian, and United Guaranty\r\n\r\n<strong>MI Coverage:</strong>\r\n18% for LTVs &gt;95% and &lt; = 97%\r\n16% for LTVs &gt;90% and &lt;= 95%\r\n12% for LTVs &gt;85% and &lt;= 90%\r\n6% for LTVs &gt;80% and &lt;= 85%\r\n\r\n<strong>Seller Contributions: </strong>\r\n\r\n<strong>First Time Home Buyer:</strong> No first-time home buyer requirement, however the borrower cannot as of the note date, have any individual or joint ownership interest in any other residential properties.\r\n\r\n<strong>Home Buyer Education:</strong>\r\n<ul>\r\n	<li>Loan to Value (LTV) of 95.01% - 97% - Homebuyer Education is Required</li>\r\n	<li>Loan to Value (LTV) =&lt; 95% - Homebuyer Education only required if all borrowers are first-time homebuyers. In that event, at least one homeowner must complete Pre-purchase home-buyer education and counseling.</li>\r\n</ul>\r\n<strong>REI can provide Homebuyer Education through EHome America, please click on the following link to take the online course. The cost is $99.00.</strong>\r\n\r\n<a href=\"http://www.ehomeamerica.org/reiok\">www.ehomeamerica.org/reiok</a>\r\n\r\n&nbsp;\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2015/06/REI-Gift100-Fannie-Mae-Conventional-Program-Summary-15.06.pdf\" target=\"_blank\">REI Gift100 Program Summary</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2015/06/2015-Area-Median-Incomes-Conventional1.pdf\" target=\"_blank\">2015 Area Median Income – Gift100 Program</a></li>\r\n</ul>\r\n&nbsp;', 'REI Gift100 Conventional Loan Program', '', 'inherit', 'open', 'open', '', '217-revision-v1', '', '', '2015-06-10 19:44:09', '2015-06-10 19:44:09', '', 217, 'http://reidownpayment.org/217-revision-v1/', 0, 'revision', '', 0),
(928, 2, '2015-06-10 19:45:02', '2015-06-10 19:45:02', '<strong>REI GIFT100 - Conventional</strong>\r\n\r\nREI Down Payment Assistance invests in Oklahoma’s future by providing housing opportunities to low income individuals and families. The 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>Fannie Mae HFA Preferred</li>\r\n	<li>Freddie Mac HFA Advantage</li>\r\n</ul>\r\nRate/term refinance on any of the above loan products.\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 Dena Sherrill, Housing Program Manager, REI Down Payment Assistance at 1-800-658-2823 or dsherrill@reiok.org or Jeremy Layman, Housing Program Specialist at <a href=\"mailto:jlayman@reiok.org\">jlayman@reiok.org</a>.\r\n\r\n<strong>***Third Party Origination is not allowed***</strong>\r\n\r\n<strong>Program Highlights</strong>\r\n\r\n<strong>Structure:</strong> 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 and pre-paid expenses 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<ul>\r\n	<li>Fannie Mae HFA Preferred &amp; Freddie Mac HFA Advantage\r\n<ul>\r\n	<li>Gift of 3.0, 4.0, or 5.0% of the total loan amount</li>\r\n</ul>\r\n</li>\r\n</ul>\r\n<strong>First Mortgage Origination Fee: </strong>Usual and customary at lender’s discretion.\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 www.reigift100.org. <strong>All loans must be delivered and purchased by U.S. Bank prior within 60 days of rate lock.</strong> One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>7 days is 0.09375%</li>\r\n	<li>15 days is 0.1875%</li>\r\n	<li>22 days is 0.28125%</li>\r\n	<li>30 days is 0.375%</li>\r\n</ul>\r\n<strong>***Rates can be subject to intra-day pricing changes***</strong>\r\n\r\n<strong>Income Limits:</strong> The Borrower\'s qualifying 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 www.reigift100.org.\r\n\r\n<strong>***Lenders will be responsible for ensuring that the income meets program guidelines.***</strong>\r\n\r\n<strong>Credit Score:</strong>\r\n<ul>\r\n	<li>Loan to Value (LTV) of 95.01% - 97% - minimum credit score of 680</li>\r\n	<li>Loan to Value (LTV) =&lt;95% - minimum credit score of 640 and 660 for Manufactured Housing – Doublewide only</li>\r\n</ul>\r\n<strong>Maximum DTI:</strong> 45% no exceptions. See Program Summary below for more specific underwriting and/or manual underwriting details.\r\n\r\n<strong>Mortgage Insurance: </strong>Approved MI Companies are Arch, Essent, Genworth, MGIC, Radian, and United Guaranty\r\n\r\n<strong>MI Coverage:</strong>\r\n18% for LTVs &gt;95% and &lt; = 97%\r\n16% for LTVs &gt;90% and &lt;= 95%\r\n12% for LTVs &gt;85% and &lt;= 90%\r\n6% for LTVs &gt;80% and &lt;= 85%\r\n\r\n<strong>Seller Contributions: </strong>\r\n\r\n<strong>First Time Home Buyer:</strong> No first-time home buyer requirement, however the borrower cannot as of the note date, have any individual or joint ownership interest in any other residential properties.\r\n\r\n<strong>Home Buyer Education:</strong>\r\n<ul>\r\n	<li>Loan to Value (LTV) of 95.01% - 97% - Homebuyer Education is Required</li>\r\n	<li>Loan to Value (LTV) =&lt; 95% - Homebuyer Education only required if all borrowers are first-time homebuyers. In that event, at least one homeowner must complete Pre-purchase home-buyer education and counseling.</li>\r\n</ul>\r\n<strong>REI can provide Homebuyer Education through EHome America, please click on the following link to take the online course. The cost is $99.00.</strong>\r\n\r\n<a href=\"http://www.ehomeamerica.org/reiok\">www.ehomeamerica.org/reiok</a>\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2015/06/REI-Gift100-Fannie-Mae-Conventional-Program-Summary-15.06.pdf\" target=\"_blank\">REI Gift100 Program Summary</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2015/06/2015-Area-Median-Incomes-Conventional1.pdf\" target=\"_blank\">2015 Area Median Income – Gift100 Program</a></li>\r\n</ul>\r\n&nbsp;', 'REI Gift100 Conventional Loan Program', '', 'inherit', 'open', 'open', '', '217-revision-v1', '', '', '2015-06-10 19:45:02', '2015-06-10 19:45:02', '', 217, 'http://reidownpayment.org/217-revision-v1/', 0, 'revision', '', 0),
(932, 2, '2015-06-10 20:14:52', '2015-06-10 20:14:52', '<strong>REI GIFT100 - Conventional</strong>\r\n\r\nREI Down Payment Assistance invests in Oklahoma’s future by providing housing opportunities to low income individuals and families. The 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>Fannie Mae HFA Preferred</li>\r\n	<li>Freddie Mac HFA Advantage</li>\r\n</ul>\r\nRate/term refinance on any of the above loan products.\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 Dena Sherrill, Housing Program Manager, REI Down Payment Assistance at 1-800-658-2823 or dsherrill@reiok.org or Jeremy Layman, Housing Program Specialist at <a href=\"mailto:jlayman@reiok.org\">jlayman@reiok.org</a>.\r\n\r\n<strong>***Third Party Origination is not allowed***</strong>\r\n\r\n<strong>Program Highlights</strong>\r\n\r\n<strong>Structure:</strong> 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 and pre-paid expenses 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<ul>\r\n	<li>Fannie Mae HFA Preferred &amp; Freddie Mac HFA Advantage\r\n<ul>\r\n	<li>Gift of 3.0, 4.0, or 5.0% of the total loan amount</li>\r\n</ul>\r\n</li>\r\n</ul>\r\n<strong>First Mortgage Origination Fee: </strong>Usual and customary at lender’s discretion.\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 www.reigift100.org. <strong>All loans must be delivered and purchased by U.S. Bank prior within 60 days of rate lock.</strong> One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>7 days is 0.09375%</li>\r\n	<li>15 days is 0.1875%</li>\r\n	<li>22 days is 0.28125%</li>\r\n	<li>30 days is 0.375%</li>\r\n</ul>\r\n<strong>***Rates can be subject to intra-day pricing changes***</strong>\r\n\r\n<strong>Income Limits:</strong> The Borrower\'s qualifying 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 www.reigift100.org.\r\n\r\n<strong>***Lenders will be responsible for ensuring that the income meets program guidelines.***</strong>\r\n\r\n<strong>Credit Score:</strong>\r\n<ul>\r\n	<li>Loan to Value (LTV) of 95.01% - 97% - minimum credit score of 680</li>\r\n	<li>Loan to Value (LTV) =&lt;95% - minimum credit score of 640 and 660 for Manufactured Housing – Doublewide only</li>\r\n</ul>\r\n<strong>Maximum DTI:</strong> 45% no exceptions. See Program Summary below for more specific underwriting and/or manual underwriting details.\r\n\r\n<strong>Mortgage Insurance: </strong>Approved MI Companies are Arch, Essent, Genworth, MGIC, Radian, and United Guaranty\r\n\r\n<strong>MI Coverage:</strong>\r\n18% for LTVs &gt;95% and &lt; = 97%\r\n16% for LTVs &gt;90% and &lt;= 95%\r\n12% for LTVs &gt;85% and &lt;= 90%\r\n6% for LTVs &gt;80% and &lt;= 85%\r\n\r\n<strong>Seller Contributions:</strong> 3% Maximum for CLTV Greater than 90% and 6% maximum of CLTV less than or equal to 90%. May be used for closing costs and/or single or split MI premiums\r\n\r\n<strong>First Time Home Buyer:</strong> No first-time home buyer requirement, however the borrower cannot as of the note date, have any individual or joint ownership interest in any other residential properties.\r\n\r\n<strong>Home Buyer Education:</strong>\r\n<ul>\r\n	<li>Loan to Value (LTV) of 95.01% - 97% - Homebuyer Education is Required</li>\r\n	<li>Loan to Value (LTV) =&lt; 95% - Homebuyer Education only required if all borrowers are first-time homebuyers. In that event, at least one homeowner must complete Pre-purchase home-buyer education and counseling.</li>\r\n</ul>\r\n<strong>REI can provide Homebuyer Education through EHome America, please click on the following link to take the online course. The cost is $99.00.</strong>\r\n\r\n<a href=\"http://www.ehomeamerica.org/reiok\">www.ehomeamerica.org/reiok</a>\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2015/06/REI-Gift100-Fannie-Mae-Conventional-Program-Summary-15.06.pdf\" target=\"_blank\">REI Gift100 Program Summary</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2015/06/2015-Area-Median-Incomes-Conventional1.pdf\" target=\"_blank\">2015 Area Median Income – Gift100 Program</a></li>\r\n</ul>\r\n&nbsp;', 'REI Gift100 Conventional Loan Program', '', 'inherit', 'open', 'open', '', '217-revision-v1', '', '', '2015-06-10 20:14:52', '2015-06-10 20:14:52', '', 217, 'http://reidownpayment.org/217-revision-v1/', 0, 'revision', '', 0),
(933, 2, '2015-06-11 14:01:27', '2015-06-11 14:01:27', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated June 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 Rates', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-06-11 14:01:27', '2015-06-11 14:01:27', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(934, 2, '2015-06-12 14:22:12', '2015-06-12 14:22:12', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated June 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 Rates', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-06-12 14:22:12', '2015-06-12 14:22:12', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(935, 2, '2015-06-15 14:35:42', '2015-06-15 14:35:42', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated June 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\n&nbsp;', 'REI Gift100 Interest Rates', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-06-15 14:35:42', '2015-06-15 14:35:42', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(937, 2, '2015-06-16 13:51:33', '2015-06-16 13:51:33', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated June 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 Rates', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-06-16 13:51:33', '2015-06-16 13:51:33', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(938, 2, '2015-06-16 13:52:10', '2015-06-16 13:52:10', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated June 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 Rates', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-06-16 13:52:10', '2015-06-16 13:52:10', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(939, 2, '2015-06-17 14:15:22', '2015-06-17 14:15:22', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated June 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 Rates', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-06-17 14:15:22', '2015-06-17 14:15:22', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(940, 2, '2015-06-18 14:03:46', '2015-06-18 14:03:46', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated June 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 Rates', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-06-18 14:03:46', '2015-06-18 14:03:46', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(941, 2, '2015-06-19 14:04:34', '2015-06-19 14:04:34', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated June 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 Rates', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-06-19 14:04:34', '2015-06-19 14:04:34', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(943, 2, '2015-06-22 13:59:13', '2015-06-22 13:59:13', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated June 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\n&nbsp;', 'REI Gift100 Interest Rates', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-06-22 13:59:13', '2015-06-22 13:59:13', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(944, 2, '2015-06-23 14:03:58', '2015-06-23 14:03:58', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nUpdated June 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 Rates', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-06-23 14:03:58', '2015-06-23 14:03:58', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(945, 1, '2015-06-23 16:50:46', '2015-06-23 16:50:46', '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\nClick to access <u><a href=\"http://gurustudev.com/~mason/reidpa/lenders/gift100-2/\">Program Highlights</a></u>  or  <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-06-23 16:50:46', '2015-06-23 16:50:46', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(947, 1, '2015-06-22 15:30:32', '2015-06-22 15:30:32', '', 'Interest Repeater', '', 'publish', 'closed', 'closed', '', 'acf_interest-repeater', '', '', '2015-06-22 15:30:32', '2015-06-22 15:30:32', '', 0, 'http://gurustudev.com/~mason/reidpa/?post_type=acf&amp;p=945', 0, 'acf', '', 0),
(948, 1, '2015-06-23 16:52:55', '2015-06-23 16:52:55', '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\nClick to access <u><a href=\"http://gurustudev.com/~mason/reidpa/lenders/gift100-2/\">Program Highlights</a></u>  or  <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-06-23 16:52:55', '2015-06-23 16:52:55', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(949, 1, '2015-06-23 16:54:12', '2015-06-23 16:54:12', '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\nClick to access <u><a href=\"http://gurustudev.com/~mason/reidpa/lenders/gift100-2/\">Program Highlights</a></u>  or  <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-06-23 16:54:12', '2015-06-23 16:54:12', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(951, 2, '2015-06-24 14:06:05', '2015-06-24 14:06:05', '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\nClick to access <u><a href=\"http://gurustudev.com/~mason/reidpa/lenders/gift100-2/\">Program Highlights</a></u>  or  <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-06-24 14:06:05', '2015-06-24 14:06:05', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(952, 2, '2015-06-25 13:59:00', '2015-06-25 13:59:00', '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\nClick to access <u><a href=\"http://gurustudev.com/~mason/reidpa/lenders/gift100-2/\">Program Highlights</a></u>  or  <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-06-25 13:59:00', '2015-06-25 13:59:00', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(953, 2, '2015-06-26 14:04:53', '2015-06-26 14:04:53', '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\nClick to access <u><a href=\"http://gurustudev.com/~mason/reidpa/lenders/gift100-2/\">Program Highlights</a></u>  or  <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-06-26 14:04:53', '2015-06-26 14:04:53', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(954, 2, '2015-06-26 14:05:28', '2015-06-26 14:05:28', '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\nClick to access <u><a href=\"http://gurustudev.com/~mason/reidpa/lenders/gift100-2/\">Program Highlights</a></u>  or  <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-06-26 14:05:28', '2015-06-26 14:05:28', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(955, 2, '2015-06-26 15:54:48', '2015-06-26 15:54:48', '', 'REI Gift100 Program Summary 15.07.01', '', 'inherit', 'open', 'open', '', 'rei-gift100-program-summary-15-07-01', '', '', '2015-06-26 15:54:48', '2015-06-26 15:54:48', '', 0, 'http://reidownpayment.org/wp/wp-content/uploads/2015/06/REI-Gift100-Program-Summary-15.07.01.pdf', 0, 'attachment', 'application/pdf', 0),
(956, 2, '2015-06-26 15:54:50', '2015-06-26 15:54:50', '', 'REI Gift100 Fannie Mae Conventional Program Summary 15.06.26', '', 'inherit', 'open', 'open', '', 'rei-gift100-fannie-mae-conventional-program-summary-15-06-26', '', '', '2015-06-26 15:54:50', '2015-06-26 15:54:50', '', 0, 'http://reidownpayment.org/wp/wp-content/uploads/2015/06/REI-Gift100-Fannie-Mae-Conventional-Program-Summary-15.06.26.pdf', 0, 'attachment', 'application/pdf', 0),
(957, 2, '2015-06-26 15:56:17', '2015-06-26 15:56:17', '<strong>REI GIFT100 - Conventional</strong>\r\n\r\nREI Down Payment Assistance invests in Oklahoma’s future by providing housing opportunities to low income individuals and families. The 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>Fannie Mae HFA Preferred</li>\r\n	<li>Freddie Mac HFA Advantage</li>\r\n</ul>\r\nRate/term refinance on any of the above loan products.\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 Dena Sherrill, Housing Program Manager, REI Down Payment Assistance at 1-800-658-2823 or dsherrill@reiok.org or Jeremy Layman, Housing Program Specialist at <a href=\"mailto:jlayman@reiok.org\">jlayman@reiok.org</a>.\r\n\r\n<strong>***Third Party Origination is not allowed***</strong>\r\n\r\n<strong>Program Highlights</strong>\r\n\r\n<strong>Structure:</strong> 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 and pre-paid expenses 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<ul>\r\n	<li>Fannie Mae HFA Preferred &amp; Freddie Mac HFA Advantage\r\n<ul>\r\n	<li>Gift of 3.0, 4.0, or 5.0% of the total loan amount</li>\r\n</ul>\r\n</li>\r\n</ul>\r\n<strong>First Mortgage Origination Fee: </strong>Usual and customary at lender’s discretion.\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 www.reigift100.org. <strong>All loans must be delivered and purchased by U.S. Bank prior within 60 days of rate lock.</strong> One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>7 days is 0.09375%</li>\r\n	<li>15 days is 0.1875%</li>\r\n	<li>22 days is 0.28125%</li>\r\n	<li>30 days is 0.375%</li>\r\n</ul>\r\n<strong>***Rates can be subject to intra-day pricing changes***</strong>\r\n\r\n<strong>Income Limits:</strong> The Borrower\'s qualifying 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 www.reigift100.org.\r\n\r\n<strong>***Lenders will be responsible for ensuring that the income meets program guidelines.***</strong>\r\n\r\n<strong>Credit Score:</strong>\r\n<ul>\r\n	<li>Loan to Value (LTV) of 95.01% - 97% - minimum credit score of 680</li>\r\n	<li>Loan to Value (LTV) =&lt;95% - minimum credit score of 640 and 660 for Manufactured Housing – Doublewide only</li>\r\n</ul>\r\n<strong>Maximum DTI:</strong> 45% no exceptions. See Program Summary below for more specific underwriting and/or manual underwriting details.\r\n\r\n<strong>Mortgage Insurance: </strong>Approved MI Companies are Arch, Essent, Genworth, MGIC, Radian, and United Guaranty\r\n\r\n<strong>MI Coverage:</strong>\r\n18% for LTVs &gt;95% and &lt; = 97%\r\n16% for LTVs &gt;90% and &lt;= 95%\r\n12% for LTVs &gt;85% and &lt;= 90%\r\n6% for LTVs &gt;80% and &lt;= 85%\r\n\r\n<strong>Seller Contributions:</strong> 3% Maximum for CLTV Greater than 90% and 6% maximum of CLTV less than or equal to 90%. May be used for closing costs and/or single or split MI premiums\r\n\r\n<strong>First Time Home Buyer:</strong> No first-time home buyer requirement, however the borrower cannot as of the note date, have any individual or joint ownership interest in any other residential properties.\r\n\r\n<strong>Home Buyer Education:</strong>\r\n<ul>\r\n	<li>Loan to Value (LTV) of 95.01% - 97% - Homebuyer Education is Required</li>\r\n	<li>Loan to Value (LTV) =&lt; 95% - Homebuyer Education only required if all borrowers are first-time homebuyers. In that event, at least one homeowner must complete Pre-purchase home-buyer education and counseling.</li>\r\n</ul>\r\n<strong>REI can provide Homebuyer Education through EHome America, please click on the following link to take the online course. The cost is $99.00.</strong>\r\n\r\n<a href=\"http://www.ehomeamerica.org/reiok\">www.ehomeamerica.org/reiok</a>\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2015/06/REI-Gift100-Program-Summary-15.07.01.pdf\">REI Gift100 Program Summary</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2015/06/2015-Area-Median-Incomes-Conventional1.pdf\" target=\"_blank\">2015 Area Median Income – Gift100 Program</a></li>\r\n</ul>\r\n&nbsp;', 'REI Gift100 Conventional Loan Program', '', 'inherit', 'open', 'open', '', '217-revision-v1', '', '', '2015-06-26 15:56:17', '2015-06-26 15:56:17', '', 217, 'http://reidownpayment.org/217-revision-v1/', 0, 'revision', '', 0);
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(958, 2, '2015-06-26 15:59:24', '2015-06-26 15:59:24', '<strong>REI GIFT100 - Conventional</strong>\r\n\r\nREI Down Payment Assistance invests in Oklahoma’s future by providing housing opportunities to low income individuals and families. The 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>Fannie Mae HFA Preferred</li>\r\n	<li>Freddie Mac HFA Advantage</li>\r\n</ul>\r\nRate/term refinance on any of the above loan products.\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 Dena Sherrill, Housing Program Manager, REI Down Payment Assistance at 1-800-658-2823 or dsherrill@reiok.org or Jeremy Layman, Housing Program Specialist at <a href=\"mailto:jlayman@reiok.org\">jlayman@reiok.org</a>.\r\n\r\n<strong>***Third Party Origination is not allowed***</strong>\r\n\r\n<strong>Program Highlights</strong>\r\n\r\n<strong>Structure:</strong> 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 and pre-paid expenses 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<ul>\r\n	<li>Fannie Mae HFA Preferred &amp; Freddie Mac HFA Advantage\r\n<ul>\r\n	<li>Gift of 3.0, 4.0, or 5.0% of the total loan amount</li>\r\n</ul>\r\n</li>\r\n</ul>\r\n<strong>First Mortgage Origination Fee: </strong>Usual and customary at lender’s discretion.\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 www.reigift100.org. <strong>All loans must be delivered and purchased by U.S. Bank prior within 60 days of rate lock.</strong> One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>7 days is 0.09375%</li>\r\n	<li>15 days is 0.1875%</li>\r\n	<li>22 days is 0.28125%</li>\r\n	<li>30 days is 0.375%</li>\r\n</ul>\r\n<strong>***Rates can be subject to intra-day pricing changes***</strong>\r\n\r\n<strong>Income Limits:</strong> The Borrower\'s qualifying 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 www.reigift100.org.\r\n\r\n<strong>***Lenders will be responsible for ensuring that the income meets program guidelines.***</strong>\r\n\r\n<strong>Credit Score:</strong>\r\n<ul>\r\n	<li>Loan to Value (LTV) of 95.01% - 97% - minimum credit score of 680</li>\r\n	<li>Loan to Value (LTV) =&lt;95% - minimum credit score of 640 and 660 for Manufactured Housing – Doublewide only</li>\r\n</ul>\r\n<strong>Maximum DTI:</strong> 45% no exceptions. See Program Summary below for more specific underwriting and/or manual underwriting details.\r\n\r\n<strong>Mortgage Insurance: </strong>Approved MI Companies are Arch, Essent, Genworth, MGIC, Radian, and United Guaranty\r\n\r\n<strong>MI Coverage:</strong>\r\n18% for LTVs &gt;95% and &lt; = 97%\r\n16% for LTVs &gt;90% and &lt;= 95%\r\n12% for LTVs &gt;85% and &lt;= 90%\r\n6% for LTVs &gt;80% and &lt;= 85%\r\n\r\n<strong>Seller Contributions:</strong> 3% Maximum for CLTV Greater than 90% and 6% maximum of CLTV less than or equal to 90%. May be used for closing costs and/or single or split MI premiums\r\n\r\n<strong>First Time Home Buyer:</strong> No first-time home buyer requirement, however the borrower cannot as of the note date, have any individual or joint ownership interest in any other residential properties.\r\n\r\n<strong>Home Buyer Education:</strong>\r\n<ul>\r\n	<li>Loan to Value (LTV) of 95.01% - 97% - Homebuyer Education is Required</li>\r\n	<li>Loan to Value (LTV) =&lt; 95% - Homebuyer Education only required if all borrowers are first-time homebuyers. In that event, at least one homeowner must complete Pre-purchase home-buyer education and counseling.</li>\r\n</ul>\r\n<strong>REI can provide Homebuyer Education through EHome America, please click on the following link to take the online course. The cost is $99.00.</strong>\r\n\r\n<a href=\"http://www.ehomeamerica.org/reiok\">www.ehomeamerica.org/reiok</a>\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2015/06/REI-Gift100-Fannie-Mae-Conventional-Program-Summary-15.06.26.pdf\" target=\"_blank\">REI Gift100 Program Summary</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2015/06/2015-Area-Median-Incomes-Conventional1.pdf\" target=\"_blank\">2015 Area Median Income – Gift100 Program</a></li>\r\n</ul>\r\n&nbsp;', 'REI Gift100 Conventional Loan Program', '', 'inherit', 'open', 'open', '', '217-revision-v1', '', '', '2015-06-26 15:59:24', '2015-06-26 15:59:24', '', 217, 'http://reidownpayment.org/217-revision-v1/', 0, 'revision', '', 0),
(959, 2, '2015-06-26 16:00:39', '2015-06-26 16:00:39', '<b>REI GIFT100  - Government\r\n</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/2015/06/REI-Gift100-Program-Summary-15.07.01.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<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	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2015/03/1-Non-Residential-Structure-Discl.-and-Ins.-Change-HFA.pdf\" target=\"_blank\">HFIAA Flood Disclosure and Insurance Reminder</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2015/03/Dodd-Frank-Compliance-Ln2014-42.pdf\" target=\"_blank\">Dodd-Frank Compliance</a></li>\r\n</ul>\r\n</ul>', 'REI Gift100 Government Loan Program', '', 'inherit', 'open', 'open', '', '431-revision-v1', '', '', '2015-06-26 16:00:39', '2015-06-26 16:00:39', '', 431, 'http://reidownpayment.org/431-revision-v1/', 0, 'revision', '', 0),
(960, 2, '2015-06-26 16:02:12', '2015-06-26 16:02:12', '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\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-06-26 16:02:12', '2015-06-26 16:02:12', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(961, 2, '2015-06-26 16:02:32', '2015-06-26 16:02:32', '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\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-06-26 16:02:32', '2015-06-26 16:02:32', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(962, 2, '2015-06-29 14:02:52', '2015-06-29 14:02:52', '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\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-06-29 14:02:52', '2015-06-29 14:02:52', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(963, 2, '2015-06-29 14:03:45', '2015-06-29 14:03:45', '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\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-06-29 14:03:45', '2015-06-29 14:03:45', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(964, 2, '2015-06-29 19:40:48', '2015-06-29 19:40:48', '', 'REI Gift100 Fannie Mae Conventional Program Summary 15.06.26', '', 'inherit', 'open', 'open', '', 'rei-gift100-fannie-mae-conventional-program-summary-15-06-26-2', '', '', '2015-06-29 19:40:48', '2015-06-29 19:40:48', '', 0, 'http://reidownpayment.org/wp/wp-content/uploads/2015/06/REI-Gift100-Fannie-Mae-Conventional-Program-Summary-15.06.261.pdf', 0, 'attachment', 'application/pdf', 0),
(965, 2, '2015-06-29 19:40:51', '2015-06-29 19:40:51', '', 'REI Gift100 Program Summary 15.07.01', '', 'inherit', 'open', 'open', '', 'rei-gift100-program-summary-15-07-01-2', '', '', '2015-06-29 19:40:51', '2015-06-29 19:40:51', '', 0, 'http://reidownpayment.org/wp/wp-content/uploads/2015/06/REI-Gift100-Program-Summary-15.07.011.pdf', 0, 'attachment', 'application/pdf', 0),
(966, 2, '2015-06-29 19:43:16', '2015-06-29 19:43:16', '<strong>REI GIFT100 - Conventional</strong>\r\n\r\nREI Down Payment Assistance invests in Oklahoma’s future by providing housing opportunities to low income individuals and families. The 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>Fannie Mae HFA Preferred</li>\r\n	<li>Freddie Mac HFA Advantage</li>\r\n</ul>\r\nRate/term refinance on any of the above loan products.\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 Dena Sherrill, Housing Program Manager, REI Down Payment Assistance at 1-800-658-2823 or dsherrill@reiok.org or Jeremy Layman, Housing Program Specialist at <a href=\"mailto:jlayman@reiok.org\">jlayman@reiok.org</a>.\r\n\r\n<strong>***Third Party Origination is not allowed***</strong>\r\n\r\n<strong>Program Highlights</strong>\r\n\r\n<strong>Structure:</strong> 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 and pre-paid expenses 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<ul>\r\n	<li>Fannie Mae HFA Preferred &amp; Freddie Mac HFA Advantage\r\n<ul>\r\n	<li>Gift of 3.0, 4.0, or 5.0% of the total loan amount</li>\r\n</ul>\r\n</li>\r\n</ul>\r\n<strong>First Mortgage Origination Fee: </strong>Usual and customary at lender’s discretion.\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 www.reigift100.org. <strong>All loans must be delivered and purchased by U.S. Bank prior within 60 days of rate lock.</strong> One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>7 days is 0.09375%</li>\r\n	<li>15 days is 0.1875%</li>\r\n	<li>22 days is 0.28125%</li>\r\n	<li>30 days is 0.375%</li>\r\n</ul>\r\n<strong>***Rates can be subject to intra-day pricing changes***</strong>\r\n\r\n<strong>Income Limits:</strong> The Borrower\'s qualifying 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 www.reigift100.org.\r\n\r\n<strong>***Lenders will be responsible for ensuring that the income meets program guidelines.***</strong>\r\n\r\n<strong>Credit Score:</strong>\r\n<ul>\r\n	<li>Loan to Value (LTV) of 95.01% - 97% - minimum credit score of 680</li>\r\n	<li>Loan to Value (LTV) =&lt;95% - minimum credit score of 640 and 660 for Manufactured Housing – Doublewide only</li>\r\n</ul>\r\n<strong>Maximum DTI:</strong> 45% no exceptions. See Program Summary below for more specific underwriting and/or manual underwriting details.\r\n\r\n<strong>Mortgage Insurance: </strong>Approved MI Companies are Arch, Essent, Genworth, MGIC, Radian, and United Guaranty\r\n\r\n<strong>MI Coverage:</strong>\r\n18% for LTVs &gt;95% and &lt; = 97%\r\n16% for LTVs &gt;90% and &lt;= 95%\r\n12% for LTVs &gt;85% and &lt;= 90%\r\n6% for LTVs &gt;80% and &lt;= 85%\r\n\r\n<strong>Seller Contributions:</strong> 3% Maximum for CLTV Greater than 90% and 6% maximum of CLTV less than or equal to 90%. May be used for closing costs and/or single or split MI premiums\r\n\r\n<strong>First Time Home Buyer:</strong> No first-time home buyer requirement, however the borrower cannot as of the note date, have any individual or joint ownership interest in any other residential properties.\r\n\r\n<strong>Home Buyer Education:</strong>\r\n<ul>\r\n	<li>Loan to Value (LTV) of 95.01% - 97% - Homebuyer Education is Required</li>\r\n	<li>Loan to Value (LTV) =&lt; 95% - Homebuyer Education only required if all borrowers are first-time homebuyers. In that event, at least one homeowner must complete Pre-purchase home-buyer education and counseling.</li>\r\n</ul>\r\n<strong>REI can provide Homebuyer Education through EHome America, please click on the following link to take the online course. The cost is $99.00.</strong>\r\n\r\n<a href=\"http://www.ehomeamerica.org/reiok\">www.ehomeamerica.org/reiok</a>\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2015/06/REI-Gift100-Fannie-Mae-Conventional-Program-Summary-15.06.261.pdf\" target=\"_blank\">REI Gift100 Program Summary</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2015/06/2015-Area-Median-Incomes-Conventional1.pdf\" target=\"_blank\">2015 Area Median Income – Gift100 Program</a></li>\r\n</ul>\r\n&nbsp;', 'REI Gift100 Conventional Loan Program', '', 'inherit', 'open', 'open', '', '217-revision-v1', '', '', '2015-06-29 19:43:16', '2015-06-29 19:43:16', '', 217, 'http://reidownpayment.org/217-revision-v1/', 0, 'revision', '', 0),
(967, 2, '2015-06-29 19:44:13', '2015-06-29 19:44:13', '<b>REI GIFT100  - Government\r\n</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/2015/06/REI-Gift100-Program-Summary-15.07.011.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<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	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2015/03/1-Non-Residential-Structure-Discl.-and-Ins.-Change-HFA.pdf\" target=\"_blank\">HFIAA Flood Disclosure and Insurance Reminder</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2015/03/Dodd-Frank-Compliance-Ln2014-42.pdf\" target=\"_blank\">Dodd-Frank Compliance</a></li>\r\n</ul>\r\n</ul>', 'REI Gift100 Government Loan Program', '', 'inherit', 'open', 'open', '', '431-revision-v1', '', '', '2015-06-29 19:44:13', '2015-06-29 19:44:13', '', 431, 'http://reidownpayment.org/431-revision-v1/', 0, 'revision', '', 0),
(968, 2, '2015-06-30 14:02:09', '2015-06-30 14:02:09', '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\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-06-30 14:02:09', '2015-06-30 14:02:09', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(969, 2, '2015-07-01 14:01:55', '2015-07-01 14:01:55', '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\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-07-01 14:01:55', '2015-07-01 14:01:55', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(971, 2, '2015-07-02 14:01:34', '2015-07-02 14:01:34', '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\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-07-02 14:01:34', '2015-07-02 14:01:34', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(972, 2, '2015-07-06 14:03:19', '2015-07-06 14:03:19', '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\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-07-06 14:03:19', '2015-07-06 14:03:19', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(973, 2, '2015-07-07 13:59:13', '2015-07-07 13:59:13', '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\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-07-07 13:59:13', '2015-07-07 13:59:13', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(974, 2, '2015-07-08 13:59:35', '2015-07-08 13:59:35', '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\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-07-08 13:59:35', '2015-07-08 13:59:35', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(975, 2, '2015-07-09 14:13:09', '2015-07-09 14:13:09', '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\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-07-09 14:13:09', '2015-07-09 14:13:09', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(977, 2, '2015-07-10 13:58:50', '2015-07-10 13:58:50', '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\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-07-10 13:58:50', '2015-07-10 13:58:50', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(978, 2, '2015-07-13 14:16:25', '2015-07-13 14:16:25', '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\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-07-13 14:16:25', '2015-07-13 14:16:25', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(979, 2, '2015-07-14 13:58:09', '2015-07-14 13:58:09', '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\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-07-14 13:58:09', '2015-07-14 13:58:09', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(980, 2, '2015-07-15 13:56:54', '2015-07-15 13:56:54', '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\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-07-15 13:56:54', '2015-07-15 13:56:54', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(981, 2, '2015-07-16 14:01:35', '2015-07-16 14:01:35', '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\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-07-16 14:01:35', '2015-07-16 14:01:35', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(982, 2, '2015-07-17 13:56:01', '2015-07-17 13:56:01', '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\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-07-17 13:56:01', '2015-07-17 13:56:01', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(983, 2, '2015-07-17 20:22:08', '2015-07-17 20:22:08', '', 'REI Gift100 Fannie Mae Conventional Program Summary 15.07', '', 'inherit', 'open', 'open', '', 'rei-gift100-fannie-mae-conventional-program-summary-15-07', '', '', '2015-07-17 20:22:08', '2015-07-17 20:22:08', '', 0, 'http://reidownpayment.org/wp/wp-content/uploads/2015/07/REI-Gift100-Fannie-Mae-Conventional-Program-Summary-15.07.pdf', 0, 'attachment', 'application/pdf', 0),
(984, 2, '2015-07-17 20:24:51', '2015-07-17 20:24:51', '<strong>REI GIFT100 - Conventional</strong>\r\n\r\nREI Down Payment Assistance invests in Oklahoma’s future by providing housing opportunities to low income individuals and families. The 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>Fannie Mae HFA Preferred</li>\r\n	<li>Freddie Mac HFA Advantage</li>\r\n</ul>\r\nRate/term refinance on any of the above loan products.\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 Dena Sherrill, Housing Program Manager, REI Down Payment Assistance at 1-800-658-2823 or dsherrill@reiok.org or Jeremy Layman, Housing Program Specialist at <a href=\"mailto:jlayman@reiok.org\">jlayman@reiok.org</a>.\r\n\r\n<strong>***Third Party Origination is not allowed***</strong>\r\n\r\n<strong>Program Highlights</strong>\r\n\r\n<strong>Structure:</strong> 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 and pre-paid expenses 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<ul>\r\n	<li>Fannie Mae HFA Preferred &amp; Freddie Mac HFA Advantage\r\n<ul>\r\n	<li>Gift of 3.0, 4.0, or 5.0% of the total loan amount</li>\r\n</ul>\r\n</li>\r\n</ul>\r\n<strong>First Mortgage Origination Fee: </strong>Usual and customary at lender’s discretion.\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 www.reigift100.org. <strong>All loans must be delivered and purchased by U.S. Bank prior within 60 days of rate lock.</strong> One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>7 days is 0.09375%</li>\r\n	<li>15 days is 0.1875%</li>\r\n	<li>22 days is 0.28125%</li>\r\n	<li>30 days is 0.375%</li>\r\n</ul>\r\n<strong>***Rates can be subject to intra-day pricing changes***</strong>\r\n\r\n<strong>Income Limits:</strong> The Borrower\'s qualifying 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 www.reigift100.org.\r\n\r\n<strong>***Lenders will be responsible for ensuring that the income meets program guidelines.***</strong>\r\n\r\n<strong>Credit Score:</strong>\r\n<ul>\r\n	<li>Loan to Value (LTV) of 95.01% - 97% - minimum credit score of 680</li>\r\n	<li>Loan to Value (LTV) =&lt;95% - minimum credit score of 640 and 660 for Manufactured Housing – Doublewide only</li>\r\n</ul>\r\n<strong>Maximum DTI:</strong> 45% no exceptions. See Program Summary below for more specific underwriting and/or manual underwriting details.\r\n\r\n<strong>Mortgage Insurance: </strong>Approved MI Companies are Arch, Essent, Genworth, MGIC, Radian, and United Guaranty\r\n\r\n<strong>MI Coverage:</strong>\r\n18% for LTVs &gt;95% and &lt; = 97%\r\n16% for LTVs &gt;90% and &lt;= 95%\r\n12% for LTVs &gt;85% and &lt;= 90%\r\n6% for LTVs &gt;80% and &lt;= 85%\r\n\r\n<strong>Seller Contributions:</strong> 3% Maximum for CLTV Greater than 90% and 6% maximum of CLTV less than or equal to 90%. May be used for closing costs and/or single or split MI premiums\r\n\r\n<strong>First Time Home Buyer:</strong> No first-time home buyer requirement, however the borrower cannot as of the note date, have any individual or joint ownership interest in any other residential properties.\r\n\r\n<strong>Home Buyer Education:</strong>\r\n<ul>\r\n	<li>Loan to Value (LTV) of 95.01% - 97% - Homebuyer Education is Required</li>\r\n	<li>Loan to Value (LTV) =&lt; 95% - Homebuyer Education only required if all borrowers are first-time homebuyers. In that event, at least one homeowner must complete Pre-purchase home-buyer education and counseling.</li>\r\n</ul>\r\n<strong>REI can provide Homebuyer Education through EHome America, please click on the following link to take the online course. The cost is $99.00.</strong>\r\n\r\n<a href=\"http://www.ehomeamerica.org/reiok\">www.ehomeamerica.org/reiok</a>\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2015/07/REI-Gift100-Fannie-Mae-Conventional-Program-Summary-15.07.pdf\" target=\"_blank\">REI Gift100 Program Summary</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2015/06/2015-Area-Median-Incomes-Conventional1.pdf\" target=\"_blank\">2015 Area Median Income – Gift100 Program</a></li>\r\n</ul>\r\n&nbsp;', 'REI Gift100 Conventional Loan Program', '', 'inherit', 'open', 'open', '', '217-revision-v1', '', '', '2015-07-17 20:24:51', '2015-07-17 20:24:51', '', 217, 'http://reidownpayment.org/217-revision-v1/', 0, 'revision', '', 0),
(986, 2, '2015-07-20 14:03:02', '2015-07-20 14:03:02', '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\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-07-20 14:03:02', '2015-07-20 14:03:02', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(987, 2, '2015-07-21 14:07:25', '2015-07-21 14:07:25', '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\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-07-21 14:07:25', '2015-07-21 14:07:25', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(988, 2, '2015-07-22 14:05:35', '2015-07-22 14:05:35', '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\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-07-22 14:05:35', '2015-07-22 14:05:35', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(989, 2, '2015-07-23 14:19:41', '2015-07-23 14:19:41', '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\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-07-23 14:19:41', '2015-07-23 14:19:41', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(990, 2, '2015-07-24 14:14:07', '2015-07-24 14:14:07', '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\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-07-24 14:14:07', '2015-07-24 14:14:07', '', 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
(991, 2, '2015-07-27 14:01:57', '2015-07-27 14:01:57', '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\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-07-27 14:01:57', '2015-07-27 14:01:57', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(993, 2, '2015-07-28 14:01:18', '2015-07-28 14:01:18', '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\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-07-28 14:01:18', '2015-07-28 14:01:18', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(994, 2, '2015-07-29 13:54:47', '2015-07-29 13:54:47', '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\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-07-29 13:54:47', '2015-07-29 13:54:47', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(995, 2, '2015-07-30 14:01:56', '2015-07-30 14:01:56', '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\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-07-30 14:01:56', '2015-07-30 14:01:56', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(996, 2, '2015-07-31 13:56:27', '2015-07-31 13:56:27', '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\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-07-31 13:56:27', '2015-07-31 13:56:27', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(997, 2, '2015-07-31 21:16:09', '2015-07-31 21:16:09', '', 'REI Gift100 Fannie Mae Conventional Program Summary 15.08.03', '', 'inherit', 'open', 'open', '', 'rei-gift100-fannie-mae-conventional-program-summary-15-08-03', '', '', '2015-07-31 21:16:09', '2015-07-31 21:16:09', '', 0, 'http://reidownpayment.org/wp/wp-content/uploads/2015/07/REI-Gift100-Fannie-Mae-Conventional-Program-Summary-15.08.03.pdf', 0, 'attachment', 'application/pdf', 0),
(998, 2, '2015-07-31 21:16:11', '2015-07-31 21:16:11', '', 'REI Gift100 Program Summary 15.08.03', '', 'inherit', 'open', 'open', '', 'rei-gift100-program-summary-15-08-03', '', '', '2015-07-31 21:16:11', '2015-07-31 21:16:11', '', 0, 'http://reidownpayment.org/wp/wp-content/uploads/2015/07/REI-Gift100-Program-Summary-15.08.03.pdf', 0, 'attachment', 'application/pdf', 0),
(999, 2, '2015-07-31 21:16:52', '2015-07-31 21:16:52', '<strong>REI GIFT100 - Conventional</strong>\r\n\r\nREI Down Payment Assistance invests in Oklahoma’s future by providing housing opportunities to low income individuals and families. The 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>Fannie Mae HFA Preferred</li>\r\n	<li>Freddie Mac HFA Advantage</li>\r\n</ul>\r\nRate/term refinance on any of the above loan products.\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 Dena Sherrill, Housing Program Manager, REI Down Payment Assistance at 1-800-658-2823 or dsherrill@reiok.org or Jeremy Layman, Housing Program Specialist at <a href=\"mailto:jlayman@reiok.org\">jlayman@reiok.org</a>.\r\n\r\n<strong>***Third Party Origination is not allowed***</strong>\r\n\r\n<strong>Program Highlights</strong>\r\n\r\n<strong>Structure:</strong> 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 and pre-paid expenses 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<ul>\r\n	<li>Fannie Mae HFA Preferred &amp; Freddie Mac HFA Advantage\r\n<ul>\r\n	<li>Gift of 3.0, 4.0, or 5.0% of the total loan amount</li>\r\n</ul>\r\n</li>\r\n</ul>\r\n<strong>First Mortgage Origination Fee: </strong>Usual and customary at lender’s discretion.\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 www.reigift100.org. <strong>All loans must be delivered and purchased by U.S. Bank prior within 60 days of rate lock.</strong> One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>7 days is 0.09375%</li>\r\n	<li>15 days is 0.1875%</li>\r\n	<li>22 days is 0.28125%</li>\r\n	<li>30 days is 0.375%</li>\r\n</ul>\r\n<strong>***Rates can be subject to intra-day pricing changes***</strong>\r\n\r\n<strong>Income Limits:</strong> The Borrower\'s qualifying 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 www.reigift100.org.\r\n\r\n<strong>***Lenders will be responsible for ensuring that the income meets program guidelines.***</strong>\r\n\r\n<strong>Credit Score:</strong>\r\n<ul>\r\n	<li>Loan to Value (LTV) of 95.01% - 97% - minimum credit score of 680</li>\r\n	<li>Loan to Value (LTV) =&lt;95% - minimum credit score of 640 and 660 for Manufactured Housing – Doublewide only</li>\r\n</ul>\r\n<strong>Maximum DTI:</strong> 45% no exceptions. See Program Summary below for more specific underwriting and/or manual underwriting details.\r\n\r\n<strong>Mortgage Insurance: </strong>Approved MI Companies are Arch, Essent, Genworth, MGIC, Radian, and United Guaranty\r\n\r\n<strong>MI Coverage:</strong>\r\n18% for LTVs &gt;95% and &lt; = 97%\r\n16% for LTVs &gt;90% and &lt;= 95%\r\n12% for LTVs &gt;85% and &lt;= 90%\r\n6% for LTVs &gt;80% and &lt;= 85%\r\n\r\n<strong>Seller Contributions:</strong> 3% Maximum for CLTV Greater than 90% and 6% maximum of CLTV less than or equal to 90%. May be used for closing costs and/or single or split MI premiums\r\n\r\n<strong>First Time Home Buyer:</strong> No first-time home buyer requirement, however the borrower cannot as of the note date, have any individual or joint ownership interest in any other residential properties.\r\n\r\n<strong>Home Buyer Education:</strong>\r\n<ul>\r\n	<li>Loan to Value (LTV) of 95.01% - 97% - Homebuyer Education is Required</li>\r\n	<li>Loan to Value (LTV) =&lt; 95% - Homebuyer Education only required if all borrowers are first-time homebuyers. In that event, at least one homeowner must complete Pre-purchase home-buyer education and counseling.</li>\r\n</ul>\r\n<strong>REI can provide Homebuyer Education through EHome America, please click on the following link to take the online course. The cost is $99.00.</strong>\r\n\r\n<a href=\"http://www.ehomeamerica.org/reiok\">www.ehomeamerica.org/reiok</a>\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2015/07/REI-Gift100-Fannie-Mae-Conventional-Program-Summary-15.08.03.pdf\" target=\"_blank\">REI Gift100 Program Summary</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2015/06/2015-Area-Median-Incomes-Conventional1.pdf\" target=\"_blank\">2015 Area Median Income – Gift100 Program</a></li>\r\n</ul>\r\n&nbsp;', 'REI Gift100 Conventional Loan Program', '', 'inherit', 'open', 'open', '', '217-revision-v1', '', '', '2015-07-31 21:16:52', '2015-07-31 21:16:52', '', 217, 'http://reidownpayment.org/217-revision-v1/', 0, 'revision', '', 0),
(1000, 2, '2015-07-31 21:17:28', '2015-07-31 21:17:28', '<b>REI GIFT100  - Government\r\n</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/2015/07/REI-Gift100-Program-Summary-15.08.03.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<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	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2015/03/1-Non-Residential-Structure-Discl.-and-Ins.-Change-HFA.pdf\" target=\"_blank\">HFIAA Flood Disclosure and Insurance Reminder</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2015/03/Dodd-Frank-Compliance-Ln2014-42.pdf\" target=\"_blank\">Dodd-Frank Compliance</a></li>\r\n</ul>\r\n</ul>', 'REI Gift100 Government Loan Program', '', 'inherit', 'open', 'open', '', '431-revision-v1', '', '', '2015-07-31 21:17:28', '2015-07-31 21:17:28', '', 431, 'http://reidownpayment.org/431-revision-v1/', 0, 'revision', '', 0),
(1001, 2, '2015-08-03 13:56:10', '2015-08-03 13:56:10', '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\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-08-03 13:56:10', '2015-08-03 13:56:10', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1002, 2, '2015-08-04 14:04:58', '2015-08-04 14:04:58', '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\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-08-04 14:04:58', '2015-08-04 14:04:58', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1004, 2, '2015-08-05 13:58:22', '2015-08-05 13:58:22', '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\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-08-05 13:58:22', '2015-08-05 13:58:22', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1005, 2, '2015-08-06 14:02:44', '2015-08-06 14:02:44', '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\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-08-06 14:02:44', '2015-08-06 14:02:44', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1006, 2, '2015-08-07 13:57:52', '2015-08-07 13:57:52', '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\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-08-07 13:57:52', '2015-08-07 13:57:52', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1007, 2, '2015-08-10 13:59:32', '2015-08-10 13:59:32', '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\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-08-10 13:59:32', '2015-08-10 13:59:32', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1008, 2, '2015-08-11 14:01:39', '2015-08-11 14:01:39', '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\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-08-11 14:01:39', '2015-08-11 14:01:39', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1009, 2, '2015-08-12 14:07:04', '2015-08-12 14:07:04', '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\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-08-12 14:07:04', '2015-08-12 14:07:04', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1011, 2, '2015-08-13 13:58:57', '2015-08-13 13:58:57', '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\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-08-13 13:58:57', '2015-08-13 13:58:57', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1012, 2, '2015-08-14 13:59:06', '2015-08-14 13:59:06', '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\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-08-14 13:59:06', '2015-08-14 13:59:06', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1013, 2, '2015-08-17 13:59:20', '2015-08-17 13:59:20', '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\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-08-17 13:59:20', '2015-08-17 13:59:20', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1014, 2, '2015-08-18 13:56:42', '2015-08-18 13:56:42', '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\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-08-18 13:56:42', '2015-08-18 13:56:42', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1015, 2, '2015-08-19 14:02:21', '2015-08-19 14:02:21', '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\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-08-19 14:02:21', '2015-08-19 14:02:21', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1016, 2, '2015-08-19 19:56:53', '2015-08-19 19:56:53', '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\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-08-19 19:56:53', '2015-08-19 19:56:53', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1017, 2, '2015-08-20 13:56:03', '2015-08-20 13:56:03', '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\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-08-20 13:56:03', '2015-08-20 13:56:03', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1019, 2, '2015-08-21 14:04:44', '2015-08-21 14:04:44', '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\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-08-21 14:04:44', '2015-08-21 14:04:44', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1020, 2, '2015-08-24 13:56:51', '2015-08-24 13:56:51', '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\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-08-24 13:56:51', '2015-08-24 13:56:51', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1021, 2, '2015-08-25 14:01:58', '2015-08-25 14:01:58', '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\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-08-25 14:01:58', '2015-08-25 14:01:58', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1022, 2, '2015-08-25 21:15:24', '2015-08-25 21:15:24', '', 'REI Gift100 Fannie Mae Conventional Program Summary 15.06.26', '', 'inherit', 'open', 'open', '', 'rei-gift100-fannie-mae-conventional-program-summary-15-06-26-3', '', '', '2015-08-25 21:15:24', '2015-08-25 21:15:24', '', 0, 'http://reidownpayment.org/wp/wp-content/uploads/2015/08/REI-Gift100-Fannie-Mae-Conventional-Program-Summary-15.06.26.pdf', 0, 'attachment', 'application/pdf', 0),
(1023, 2, '2015-08-25 21:15:28', '2015-08-25 21:15:28', '', 'REI Gift100 Program Summary 15.07.01', '', 'inherit', 'open', 'open', '', 'rei-gift100-program-summary-15-07-01-3', '', '', '2015-08-25 21:15:28', '2015-08-25 21:15:28', '', 0, 'http://reidownpayment.org/wp/wp-content/uploads/2015/08/REI-Gift100-Program-Summary-15.07.01.pdf', 0, 'attachment', 'application/pdf', 0),
(1024, 2, '2015-08-25 21:16:54', '2015-08-25 21:16:54', '<strong>REI GIFT100 - Conventional</strong>\r\n\r\nREI Down Payment Assistance invests in Oklahoma’s future by providing housing opportunities to low income individuals and families. The 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>Fannie Mae HFA Preferred</li>\r\n	<li>Freddie Mac HFA Advantage</li>\r\n</ul>\r\nRate/term refinance on any of the above loan products.\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 Dena Sherrill, Housing Program Manager, REI Down Payment Assistance at 1-800-658-2823 or dsherrill@reiok.org or Jeremy Layman, Housing Program Specialist at <a href=\"mailto:jlayman@reiok.org\">jlayman@reiok.org</a>.\r\n\r\n<strong>***Third Party Origination is not allowed***</strong>\r\n\r\n<strong>Program Highlights</strong>\r\n\r\n<strong>Structure:</strong> 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 and pre-paid expenses 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<ul>\r\n	<li>Fannie Mae HFA Preferred &amp; Freddie Mac HFA Advantage\r\n<ul>\r\n	<li>Gift of 3.0, 4.0, or 5.0% of the total loan amount</li>\r\n</ul>\r\n</li>\r\n</ul>\r\n<strong>First Mortgage Origination Fee: </strong>Usual and customary at lender’s discretion.\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 www.reigift100.org. <strong>All loans must be delivered and purchased by U.S. Bank prior within 60 days of rate lock.</strong> One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>7 days is 0.09375%</li>\r\n	<li>15 days is 0.1875%</li>\r\n	<li>22 days is 0.28125%</li>\r\n	<li>30 days is 0.375%</li>\r\n</ul>\r\n<strong>***Rates can be subject to intra-day pricing changes***</strong>\r\n\r\n<strong>Income Limits:</strong> The Borrower\'s qualifying 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 www.reigift100.org.\r\n\r\n<strong>***Lenders will be responsible for ensuring that the income meets program guidelines.***</strong>\r\n\r\n<strong>Credit Score:</strong>\r\n<ul>\r\n	<li>Loan to Value (LTV) of 95.01% - 97% - minimum credit score of 680</li>\r\n	<li>Loan to Value (LTV) =&lt;95% - minimum credit score of 640 and 660 for Manufactured Housing – Doublewide only</li>\r\n</ul>\r\n<strong>Maximum DTI:</strong> 45% no exceptions. See Program Summary below for more specific underwriting and/or manual underwriting details.\r\n\r\n<strong>Mortgage Insurance: </strong>Approved MI Companies are Arch, Essent, Genworth, MGIC, Radian, and United Guaranty\r\n\r\n<strong>MI Coverage:</strong>\r\n18% for LTVs &gt;95% and &lt; = 97%\r\n16% for LTVs &gt;90% and &lt;= 95%\r\n12% for LTVs &gt;85% and &lt;= 90%\r\n6% for LTVs &gt;80% and &lt;= 85%\r\n\r\n<strong>Seller Contributions:</strong> 3% Maximum for CLTV Greater than 90% and 6% maximum of CLTV less than or equal to 90%. May be used for closing costs and/or single or split MI premiums\r\n\r\n<strong>First Time Home Buyer:</strong> No first-time home buyer requirement, however the borrower cannot as of the note date, have any individual or joint ownership interest in any other residential properties.\r\n\r\n<strong>Home Buyer Education:</strong>\r\n<ul>\r\n	<li>Loan to Value (LTV) of 95.01% - 97% - Homebuyer Education is Required</li>\r\n	<li>Loan to Value (LTV) =&lt; 95% - Homebuyer Education only required if all borrowers are first-time homebuyers. In that event, at least one homeowner must complete Pre-purchase home-buyer education and counseling.</li>\r\n</ul>\r\n<strong>REI can provide Homebuyer Education through EHome America, please click on the following link to take the online course. The cost is $99.00.</strong>\r\n\r\n<a href=\"http://www.ehomeamerica.org/reiok\">www.ehomeamerica.org/reiok</a>\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2015/08/REI-Gift100-Fannie-Mae-Conventional-Program-Summary-15.06.26.pdf\" target=\"_blank\">REI Gift100 Program Summary</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2015/06/2015-Area-Median-Incomes-Conventional1.pdf\" target=\"_blank\">2015 Area Median Income – Gift100 Program</a></li>\r\n</ul>\r\n&nbsp;', 'REI Gift100 Conventional Loan Program', '', 'inherit', 'open', 'open', '', '217-revision-v1', '', '', '2015-08-25 21:16:54', '2015-08-25 21:16:54', '', 217, 'http://reidownpayment.org/217-revision-v1/', 0, 'revision', '', 0),
(1025, 2, '2015-08-25 21:17:31', '2015-08-25 21:17:31', '<b>REI GIFT100  - Government\r\n</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/2015/08/REI-Gift100-Program-Summary-15.07.01.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<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	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2015/03/1-Non-Residential-Structure-Discl.-and-Ins.-Change-HFA.pdf\" target=\"_blank\">HFIAA Flood Disclosure and Insurance Reminder</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2015/03/Dodd-Frank-Compliance-Ln2014-42.pdf\" target=\"_blank\">Dodd-Frank Compliance</a></li>\r\n</ul>\r\n</ul>', 'REI Gift100 Government Loan Program', '', 'inherit', 'open', 'open', '', '431-revision-v1', '', '', '2015-08-25 21:17:31', '2015-08-25 21:17:31', '', 431, 'http://reidownpayment.org/431-revision-v1/', 0, 'revision', '', 0),
(1026, 2, '2015-08-26 13:56:02', '2015-08-26 13:56:02', '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\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-08-26 13:56:02', '2015-08-26 13:56:02', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1027, 2, '2015-08-27 14:00:56', '2015-08-27 14:00:56', '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\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-08-27 14:00:56', '2015-08-27 14:00:56', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1028, 2, '2015-08-28 13:56:13', '2015-08-28 13:56:13', '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\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-08-28 13:56:13', '2015-08-28 13:56:13', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1030, 2, '2015-08-31 13:56:23', '2015-08-31 13:56:23', '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\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-08-31 13:56:23', '2015-08-31 13:56:23', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1031, 2, '2015-09-01 14:01:01', '2015-09-01 14:01:01', '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\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-09-01 14:01:01', '2015-09-01 14:01:01', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1032, 2, '2015-09-02 14:03:37', '2015-09-02 14:03:37', '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\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-09-02 14:03:37', '2015-09-02 14:03:37', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0);
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(1033, 2, '2015-09-03 14:05:14', '2015-09-03 14:05:14', '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\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-09-03 14:05:14', '2015-09-03 14:05:14', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1034, 2, '2015-09-04 14:33:29', '2015-09-04 14:33:29', '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\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-09-04 14:33:29', '2015-09-04 14:33:29', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1036, 2, '2015-09-08 13:52:21', '2015-09-08 13:52:21', '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\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-09-08 13:52:21', '2015-09-08 13:52:21', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1037, 2, '2015-09-09 14:04:12', '2015-09-09 14:04:12', '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\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-09-09 14:04:12', '2015-09-09 14:04:12', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1038, 2, '2015-09-10 13:55:35', '2015-09-10 13:55:35', '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\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-09-10 13:55:35', '2015-09-10 13:55:35', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1039, 2, '2015-09-11 13:50:17', '2015-09-11 13:50:17', '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\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-09-11 13:50:17', '2015-09-11 13:50:17', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1040, 2, '2015-09-14 13:51:38', '2015-09-14 13:51:38', '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\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-09-14 13:51:38', '2015-09-14 13:51:38', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1041, 2, '2015-09-15 13:57:28', '2015-09-15 13:57:28', '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\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-09-15 13:57:28', '2015-09-15 13:57:28', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1042, 2, '2015-09-15 18:54:31', '2015-09-15 18:54:31', '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\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-09-15 18:54:31', '2015-09-15 18:54:31', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1043, 2, '2015-09-15 19:06:01', '2015-09-15 19:06:01', '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\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-09-15 19:06:01', '2015-09-15 19:06:01', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1045, 2, '2015-09-16 14:03:01', '2015-09-16 14:03:01', '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\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-09-16 14:03:01', '2015-09-16 14:03:01', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1046, 2, '2015-09-17 14:13:40', '2015-09-17 14:13:40', '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\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-09-17 14:13:40', '2015-09-17 14:13:40', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1047, 2, '2015-09-17 19:47:09', '2015-09-17 19:47:09', '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\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-09-17 19:47:09', '2015-09-17 19:47:09', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1048, 2, '2015-09-17 19:47:35', '2015-09-17 19:47:35', '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\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-09-17 19:47:35', '2015-09-17 19:47:35', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1049, 2, '2015-09-18 13:59:09', '2015-09-18 13:59:09', '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\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-09-18 13:59:09', '2015-09-18 13:59:09', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1050, 2, '2015-09-21 13:52:05', '2015-09-21 13:52:05', '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\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-09-21 13:52:05', '2015-09-21 13:52:05', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1051, 2, '2015-09-22 13:58:58', '2015-09-22 13:58:58', '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\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-09-22 13:58:58', '2015-09-22 13:58:58', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1052, 2, '2015-09-23 13:55:05', '2015-09-23 13:55:05', '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\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-09-23 13:55:05', '2015-09-23 13:55:05', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1054, 2, '2015-09-24 14:15:11', '2015-09-24 14:15:11', '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\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-09-24 14:15:11', '2015-09-24 14:15:11', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1055, 2, '2015-09-25 13:56:19', '2015-09-25 13:56:19', '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\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-09-25 13:56:19', '2015-09-25 13:56:19', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1056, 2, '2015-09-28 13:51:01', '2015-09-28 13:51:01', '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\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-09-28 13:51:01', '2015-09-28 13:51:01', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1057, 2, '2015-09-29 13:52:32', '2015-09-29 13:52:32', '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\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-09-29 13:52:32', '2015-09-29 13:52:32', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1058, 2, '2015-09-30 14:03:18', '2015-09-30 14:03:18', '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\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-09-30 14:03:18', '2015-09-30 14:03:18', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1059, 2, '2015-10-01 13:55:43', '2015-10-01 13:55:43', '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\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-10-01 13:55:43', '2015-10-01 13:55:43', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1061, 2, '2015-10-02 14:02:46', '2015-10-02 14:02:46', '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\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-10-02 14:02:46', '2015-10-02 14:02:46', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1062, 2, '2015-10-05 13:55:26', '2015-10-05 13:55:26', '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\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-10-05 13:55:26', '2015-10-05 13:55:26', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1063, 2, '2015-10-06 14:00:20', '2015-10-06 14:00:20', '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\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-10-06 14:00:20', '2015-10-06 14:00:20', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1064, 2, '2015-10-07 14:01:46', '2015-10-07 14:01:46', '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\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-10-07 14:01:46', '2015-10-07 14:01:46', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1065, 2, '2015-10-08 14:01:52', '2015-10-08 14:01:52', '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\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-10-08 14:01:52', '2015-10-08 14:01:52', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1066, 2, '2015-10-09 13:53:46', '2015-10-09 13:53:46', '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\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-10-09 13:53:46', '2015-10-09 13:53:46', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1068, 2, '2015-10-13 14:00:02', '2015-10-13 14:00:02', '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\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-10-13 14:00:02', '2015-10-13 14:00:02', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1069, 2, '2015-10-14 16:19:10', '2015-10-14 16:19:10', '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\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-10-14 16:19:10', '2015-10-14 16:19:10', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1070, 2, '2015-10-15 17:13:33', '2015-10-15 17:13:33', '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\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-10-15 17:13:33', '2015-10-15 17:13:33', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1071, 2, '2015-10-16 13:57:14', '2015-10-16 13:57:14', '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\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-10-16 13:57:14', '2015-10-16 13:57:14', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1072, 2, '2015-10-19 14:01:23', '2015-10-19 14:01:23', '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\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-10-19 14:01:23', '2015-10-19 14:01:23', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1073, 2, '2015-10-20 13:52:54', '2015-10-20 13:52:54', '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\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-10-20 13:52:54', '2015-10-20 13:52:54', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1075, 2, '2015-10-21 14:02:35', '2015-10-21 14:02:35', '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\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-10-21 14:02:35', '2015-10-21 14:02:35', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1077, 2, '2015-10-22 13:55:39', '2015-10-22 13:55:39', '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\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-10-22 13:55:39', '2015-10-22 13:55:39', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1078, 2, '2015-10-22 20:12:00', '2015-10-22 20:12:00', '', 'Program Manual 15.07', '', 'inherit', 'open', 'open', '', 'program-manual-15-07', '', '', '2015-10-22 20:12:00', '2015-10-22 20:12:00', '', 0, 'http://reidownpayment.org/wp/wp-content/uploads/2015/10/Program-Manual-15.07.pdf', 0, 'attachment', 'application/pdf', 0),
(1079, 2, '2015-10-22 20:12:56', '2015-10-22 20:12:56', '<b>REI GIFT100  - Government\r\n</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/2015/08/REI-Gift100-Program-Summary-15.07.01.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/2015/10/Program-Manual-15.07.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<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	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2015/03/1-Non-Residential-Structure-Discl.-and-Ins.-Change-HFA.pdf\" target=\"_blank\">HFIAA Flood Disclosure and Insurance Reminder</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2015/03/Dodd-Frank-Compliance-Ln2014-42.pdf\" target=\"_blank\">Dodd-Frank Compliance</a></li>\r\n</ul>\r\n</ul>', 'REI Gift100 Government Loan Program', '', 'inherit', 'open', 'open', '', '431-revision-v1', '', '', '2015-10-22 20:12:56', '2015-10-22 20:12:56', '', 431, 'http://reidownpayment.org/431-revision-v1/', 0, 'revision', '', 0),
(1080, 2, '2015-10-22 20:13:54', '2015-10-22 20:13:54', '<strong>REI GIFT100 - Conventional</strong>\r\n\r\nREI Down Payment Assistance invests in Oklahoma’s future by providing housing opportunities to low income individuals and families. The 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>Fannie Mae HFA Preferred</li>\r\n	<li>Freddie Mac HFA Advantage</li>\r\n</ul>\r\nRate/term refinance on any of the above loan products.\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 Dena Sherrill, Housing Program Manager, REI Down Payment Assistance at 1-800-658-2823 or dsherrill@reiok.org or Jeremy Layman, Housing Program Specialist at <a href=\"mailto:jlayman@reiok.org\">jlayman@reiok.org</a>.\r\n\r\n<strong>***Third Party Origination is not allowed***</strong>\r\n\r\n<strong>Program Highlights</strong>\r\n\r\n<strong>Structure:</strong> 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 and pre-paid expenses 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<ul>\r\n	<li>Fannie Mae HFA Preferred &amp; Freddie Mac HFA Advantage\r\n<ul>\r\n	<li>Gift of 3.0, 4.0, or 5.0% of the total loan amount</li>\r\n</ul>\r\n</li>\r\n</ul>\r\n<strong>First Mortgage Origination Fee: </strong>Usual and customary at lender’s discretion.\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 www.reigift100.org. <strong>All loans must be delivered and purchased by U.S. Bank prior within 60 days of rate lock.</strong> One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>7 days is 0.09375%</li>\r\n	<li>15 days is 0.1875%</li>\r\n	<li>22 days is 0.28125%</li>\r\n	<li>30 days is 0.375%</li>\r\n</ul>\r\n<strong>***Rates can be subject to intra-day pricing changes***</strong>\r\n\r\n<strong>Income Limits:</strong> The Borrower\'s qualifying 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 www.reigift100.org.\r\n\r\n<strong>***Lenders will be responsible for ensuring that the income meets program guidelines.***</strong>\r\n\r\n<strong>Credit Score:</strong>\r\n<ul>\r\n	<li>Loan to Value (LTV) of 95.01% - 97% - minimum credit score of 680</li>\r\n	<li>Loan to Value (LTV) =&lt;95% - minimum credit score of 640 and 660 for Manufactured Housing – Doublewide only</li>\r\n</ul>\r\n<strong>Maximum DTI:</strong> 45% no exceptions. See Program Summary below for more specific underwriting and/or manual underwriting details.\r\n\r\n<strong>Mortgage Insurance: </strong>Approved MI Companies are Arch, Essent, Genworth, MGIC, Radian, and United Guaranty\r\n\r\n<strong>MI Coverage:</strong>\r\n18% for LTVs &gt;95% and &lt; = 97%\r\n16% for LTVs &gt;90% and &lt;= 95%\r\n12% for LTVs &gt;85% and &lt;= 90%\r\n6% for LTVs &gt;80% and &lt;= 85%\r\n\r\n<strong>Seller Contributions:</strong> 3% Maximum for CLTV Greater than 90% and 6% maximum of CLTV less than or equal to 90%. May be used for closing costs and/or single or split MI premiums\r\n\r\n<strong>First Time Home Buyer:</strong> No first-time home buyer requirement, however the borrower cannot as of the note date, have any individual or joint ownership interest in any other residential properties.\r\n\r\n<strong>Home Buyer Education:</strong>\r\n<ul>\r\n	<li>Loan to Value (LTV) of 95.01% - 97% - Homebuyer Education is Required</li>\r\n	<li>Loan to Value (LTV) =&lt; 95% - Homebuyer Education only required if all borrowers are first-time homebuyers. In that event, at least one homeowner must complete Pre-purchase home-buyer education and counseling.</li>\r\n</ul>\r\n<strong>REI can provide Homebuyer Education through EHome America, please click on the following link to take the online course. The cost is $99.00.</strong>\r\n\r\n<a href=\"http://www.ehomeamerica.org/reiok\">www.ehomeamerica.org/reiok</a>\r\n<ul>\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2015/08/REI-Gift100-Fannie-Mae-Conventional-Program-Summary-15.06.26.pdf\" target=\"_blank\">REI Gift100 Program Summary</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2015/06/2015-Area-Median-Incomes-Conventional1.pdf\" target=\"_blank\">2015 Area Median Income – Gift100 Program</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2015/10/Program-Manual-15.07.pdf\" target=\"_blank\">REI Gift100 Program Guidelines</a></li>\r\n</ul>\r\n</ul>\r\n&nbsp;', 'REI Gift100 Conventional Loan Program', '', 'inherit', 'open', 'open', '', '217-revision-v1', '', '', '2015-10-22 20:13:54', '2015-10-22 20:13:54', '', 217, 'http://reidownpayment.org/217-revision-v1/', 0, 'revision', '', 0),
(1081, 2, '2015-10-23 13:50:10', '2015-10-23 13:50:10', '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\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-10-23 13:50:10', '2015-10-23 13:50:10', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1082, 2, '2015-10-26 13:57:52', '2015-10-26 13:57:52', '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\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-10-26 13:57:52', '2015-10-26 13:57:52', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1083, 2, '2015-10-27 14:03:36', '2015-10-27 14:03:36', '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\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-10-27 14:03:36', '2015-10-27 14:03:36', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1084, 2, '2015-10-28 13:59:11', '2015-10-28 13:59:11', '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\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-10-28 13:59:11', '2015-10-28 13:59:11', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1086, 2, '2015-10-29 14:06:37', '2015-10-29 14:06:37', '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\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-10-29 14:06:37', '2015-10-29 14:06:37', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1087, 2, '2015-10-30 13:57:17', '2015-10-30 13:57:17', '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\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-10-30 13:57:17', '2015-10-30 13:57:17', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1088, 2, '2015-11-02 15:02:50', '2015-11-02 15:02:50', '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\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-11-02 15:02:50', '2015-11-02 15:02:50', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1089, 2, '2015-11-03 15:51:19', '2015-11-03 15:51:19', '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\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-11-03 15:51:19', '2015-11-03 15:51:19', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1090, 2, '2015-11-04 15:01:30', '2015-11-04 15:01:30', '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\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-11-04 15:01:30', '2015-11-04 15:01:30', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1091, 2, '2015-11-05 15:06:39', '2015-11-05 15:06:39', '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\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-11-05 15:06:39', '2015-11-05 15:06:39', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1093, 2, '2015-11-06 14:59:21', '2015-11-06 14:59:21', '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\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-11-06 14:59:21', '2015-11-06 14:59:21', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1094, 2, '2015-11-09 15:14:25', '2015-11-09 15:14:25', '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\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-11-09 15:14:25', '2015-11-09 15:14:25', '', 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
(1095, 2, '2015-11-10 14:58:17', '2015-11-10 14:58:17', '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\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-11-10 14:58:17', '2015-11-10 14:58:17', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1096, 2, '2015-11-12 14:59:54', '2015-11-12 14:59:54', '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\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-11-12 14:59:54', '2015-11-12 14:59:54', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1097, 2, '2015-11-13 14:57:29', '2015-11-13 14:57:29', '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\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-11-13 14:57:29', '2015-11-13 14:57:29', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1099, 2, '2015-11-16 14:59:27', '2015-11-16 14:59:27', '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\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-11-16 14:59:27', '2015-11-16 14:59:27', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1100, 2, '2015-11-17 15:15:08', '2015-11-17 15:15:08', '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\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-11-17 15:15:08', '2015-11-17 15:15:08', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1101, 2, '2015-11-18 15:02:04', '2015-11-18 15:02:04', '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\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-11-18 15:02:04', '2015-11-18 15:02:04', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1102, 2, '2015-11-19 15:02:53', '2015-11-19 15:02:53', '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\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-11-19 15:02:53', '2015-11-19 15:02:53', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1103, 2, '2015-11-19 16:41:40', '2015-11-19 16:41:40', '', 'family of three', '', 'inherit', 'open', 'open', '', 'family-of-three', '', '', '2015-11-19 16:41:40', '2015-11-19 16:41:40', '', 0, 'http://reidownpayment.org/wp/wp-content/uploads/2015/11/family-of-three.jpg', 0, 'attachment', 'image/jpeg', 0),
(1104, 2, '2015-11-20 14:59:57', '2015-11-20 14:59:57', '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\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-11-20 14:59:57', '2015-11-20 14:59:57', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1105, 2, '2015-11-23 14:55:03', '2015-11-23 14:55:03', '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\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-11-23 14:55:03', '2015-11-23 14:55:03', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1107, 2, '2015-11-24 15:02:28', '2015-11-24 15:02:28', '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\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-11-24 15:02:28', '2015-11-24 15:02:28', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1108, 2, '2015-11-25 15:02:16', '2015-11-25 15:02:16', '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\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-11-25 15:02:16', '2015-11-25 15:02:16', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1109, 2, '2015-11-27 14:49:46', '2015-11-27 14:49:46', '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\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-11-27 14:49:46', '2015-11-27 14:49:46', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1110, 2, '2015-11-30 15:04:45', '2015-11-30 15:04:45', '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\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-11-30 15:04:45', '2015-11-30 15:04:45', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1111, 2, '2015-12-01 15:14:35', '2015-12-01 15:14:35', '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\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-12-01 15:14:35', '2015-12-01 15:14:35', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1112, 2, '2015-12-01 15:23:01', '2015-12-01 15:23:01', '', 'REI Gift100 Program Summary 15.12', '', 'inherit', 'open', 'open', '', 'rei-gift100-program-summary-15-12', '', '', '2015-12-01 15:23:01', '2015-12-01 15:23:01', '', 0, 'http://reidownpayment.org/wp/wp-content/uploads/2015/12/REI-Gift100-Program-Summary-15.12.pdf', 0, 'attachment', 'application/pdf', 0),
(1113, 2, '2015-12-01 15:23:07', '2015-12-01 15:23:07', '', 'REI Gift100 Program Summary 15.12', '', 'inherit', 'open', 'open', '', 'rei-gift100-program-summary-15-12-2', '', '', '2015-12-01 15:23:07', '2015-12-01 15:23:07', '', 0, 'http://reidownpayment.org/wp/wp-content/uploads/2015/12/REI-Gift100-Program-Summary-15.121.pdf', 0, 'attachment', 'application/pdf', 0),
(1114, 2, '2015-12-01 15:23:53', '2015-12-01 15:23:53', '<b>REI GIFT100  - Government\r\n</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/2015/12/REI-Gift100-Program-Summary-15.12.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/2015/10/Program-Manual-15.07.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<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	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2015/03/1-Non-Residential-Structure-Discl.-and-Ins.-Change-HFA.pdf\" target=\"_blank\">HFIAA Flood Disclosure and Insurance Reminder</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2015/03/Dodd-Frank-Compliance-Ln2014-42.pdf\" target=\"_blank\">Dodd-Frank Compliance</a></li>\r\n</ul>\r\n</ul>', 'REI Gift100 Government Loan Program', '', 'inherit', 'open', 'open', '', '431-revision-v1', '', '', '2015-12-01 15:23:53', '2015-12-01 15:23:53', '', 431, 'http://reidownpayment.org/431-revision-v1/', 0, 'revision', '', 0),
(1115, 2, '2015-12-01 15:32:40', '2015-12-01 15:32:40', '<strong>REI GIFT100 - Conventional</strong>\r\n\r\nREI Down Payment Assistance invests in Oklahoma’s future by providing housing opportunities to low income individuals and families. The 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. There are no second liens or deed restrictions filed against the property. The program includes the following loan types:\r\n<ul>\r\n	<li>Fannie Mae HFA Preferred - up to 97% LTV</li>\r\n</ul>\r\nRate/term refinance on any of the above loan products.\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 Dena Sherrill, Housing Program Manager, REI Down Payment Assistance at 1-800-658-2823 or dsherrill@reiok.org or Jeremy Layman, Housing Program Specialist at <a href=\"mailto:jlayman@reiok.org\">jlayman@reiok.org</a>.\r\n\r\n<strong>***Third Party Origination is not allowed***</strong>\r\n\r\n<strong>Program Highlights</strong>\r\n\r\n<strong>Structure:</strong> 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 and pre-paid expenses 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<ul>\r\n	<li>Fannie Mae HFA Preferred\r\n<ul>\r\n	<li>Gift of 3.0, 4.0, or 5.0% of the total loan amount</li>\r\n</ul>\r\n</li>\r\n</ul>\r\n<strong>First Mortgage Origination Fee: </strong>Usual and customary at lender’s discretion.\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 www.reigift100.org. <strong>All loans must be delivered and purchased by U.S. Bank prior within 60 days of rate lock.</strong> One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>7 days is 0.09375%</li>\r\n	<li>15 days is 0.1875%</li>\r\n	<li>22 days is 0.28125%</li>\r\n	<li>30 days is 0.375%</li>\r\n</ul>\r\n<strong>***Rates can be subject to intra-day pricing changes***</strong>\r\n\r\n<strong>Income Limits:</strong> The Borrower\'s qualifying 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 www.reigift100.org.\r\n\r\n<strong>***Lenders will be responsible for ensuring that the income meets program guidelines.***</strong>\r\n\r\n<strong>Credit Score:</strong>\r\n<ul>\r\n	<li>Loan to Value (LTV) of 95.01% - 97% - minimum credit score of 680</li>\r\n	<li>Loan to Value (LTV) =&lt;95% - minimum credit score of 640 and 660 for Manufactured Housing – Doublewide only</li>\r\n</ul>\r\n<strong>Maximum DTI:</strong> 45% no exceptions. See Program Summary below for more specific underwriting and/or manual underwriting details.\r\n\r\n<strong>Mortgage Insurance: </strong>Approved MI Companies are Arch, Essent, Genworth, MGIC, Radian, and United Guaranty\r\n\r\n<strong>MI Coverage:</strong>\r\n18% for LTVs &gt;95% and &lt; = 97%\r\n16% for LTVs &gt;90% and &lt;= 95%\r\n12% for LTVs &gt;85% and &lt;= 90%\r\n6% for LTVs &gt;80% and &lt;= 85%\r\n\r\n<strong>Seller Contributions:</strong> 3% Maximum for CLTV Greater than 90% and 6% maximum of CLTV less than or equal to 90%. May be used for closing costs and/or single or split MI premiums\r\n\r\n<strong>First Time Home Buyer:</strong> No first-time home buyer requirement, however the borrower cannot as of the note date, have any individual or joint ownership interest in any other residential properties.\r\n\r\n<strong>Home Buyer Education:</strong>\r\n<ul>\r\n	<li>Loan to Value (LTV) of 95.01% - 97% - Homebuyer Education is Required</li>\r\n	<li>Loan to Value (LTV) =&lt; 95% - Homebuyer Education only required if all borrowers are first-time homebuyers. In that event, at least one homeowner must complete Pre-purchase home-buyer education and counseling.</li>\r\n</ul>\r\n<strong>REI can provide Homebuyer Education through EHome America, please click on the following link to take the online course. The cost is $99.00.</strong>\r\n\r\n<a href=\"http://www.ehomeamerica.org/reiok\">www.ehomeamerica.org/reiok</a>\r\n<ul>\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2015/08/REI-Gift100-Fannie-Mae-Conventional-Program-Summary-15.06.26.pdf\" target=\"_blank\">REI Gift100 Program Summary</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2015/06/2015-Area-Median-Incomes-Conventional1.pdf\" target=\"_blank\">2015 Area Median Income – Gift100 Program</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2015/10/Program-Manual-15.07.pdf\" target=\"_blank\">REI Gift100 Program Guidelines</a></li>\r\n</ul>\r\n</ul>\r\n&nbsp;', 'REI Gift100 Conventional Loan Program', '', 'inherit', 'open', 'open', '', '217-revision-v1', '', '', '2015-12-01 15:32:40', '2015-12-01 15:32:40', '', 217, 'http://reidownpayment.org/217-revision-v1/', 0, 'revision', '', 0),
(1116, 2, '2015-12-01 15:38:58', '2015-12-01 15:38:58', '<strong>REI GIFT100 - Conventional</strong>\r\n\r\nREI Down Payment Assistance invests in Oklahoma’s future by providing housing opportunities to low income individuals and families. The 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. There are no second liens or deed restrictions filed against the property. The program includes the following loan types:\r\n<ul>\r\n	<li>Fannie Mae HFA Preferred - up to 97% LTV</li>\r\n</ul>\r\nRate/term refinance on any of the above loan products.\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 Dena Sherrill, Housing Program Manager, REI Down Payment Assistance at 1-800-658-2823 or dsherrill@reiok.org or Jeremy Layman, Housing Program Specialist at <a href=\"mailto:jlayman@reiok.org\">jlayman@reiok.org</a>.\r\n\r\n<strong>***Third Party Origination is not allowed***</strong>\r\n\r\n<strong>Program Highlights</strong>\r\n\r\n<strong>Structure:</strong> 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 and pre-paid expenses 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<ul>\r\n	<li>Fannie Mae HFA Preferred\r\n<ul>\r\n	<li>Gift of 3.0, 4.0, or 5.0% of the total loan amount</li>\r\n</ul>\r\n</li>\r\n</ul>\r\n<strong>First Mortgage Origination Fee: </strong>Usual and customary at lender’s discretion.\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 www.reigift100.org. <strong>All loans must be delivered and purchased by U.S. Bank prior within 60 days of rate lock.</strong> One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>7 days is 0.09375%</li>\r\n	<li>15 days is 0.1875%</li>\r\n	<li>22 days is 0.28125%</li>\r\n	<li>30 days is 0.375%</li>\r\n</ul>\r\n<strong>***Rates can be subject to intra-day pricing changes***</strong>\r\n\r\n<strong>Income Limits:</strong> The Borrower\'s qualifying 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 www.reigift100.org.\r\n\r\n<strong>***Lenders will be responsible for ensuring that the income meets program guidelines.***</strong>\r\n\r\n<strong>Credit Score:</strong>\r\n<ul>\r\n	<li>Loan to Value (LTV) of 95.01% - 97% - minimum credit score of 680</li>\r\n	<li>Loan to Value (LTV) =&lt;95% - minimum credit score of 640</li>\r\n</ul>\r\n<strong>Maximum DTI:</strong> 45% no exceptions. See Program Summary below for more specific underwriting and/or manual underwriting details.\r\n\r\n<strong>Mortgage Insurance: </strong>Approved MI Companies are Arch, Essent, Genworth, MGIC, Radian, and United Guaranty\r\n\r\n<strong>MI Coverage:</strong>\r\n18% for LTVs &gt;95% and &lt; = 97%\r\n16% for LTVs &gt;90% and &lt;= 95%\r\n12% for LTVs &gt;85% and &lt;= 90%\r\n6% for LTVs &gt;80% and &lt;= 85%\r\n\r\n<strong>Seller Contributions:</strong> 3% Maximum for CLTV Greater than 90% and 6% maximum of CLTV less than or equal to 90%. May be used for closing costs and/or single or split MI premiums\r\n\r\n<strong>First Time Home Buyer:</strong> No first-time home buyer requirement, however the borrower cannot as of the note date, have any individual or joint ownership interest in any other residential properties.\r\n\r\n<strong>Home Buyer Education:</strong>\r\n<ul>\r\n	<li>Loan to Value (LTV) of 95.01% - 97% - Homebuyer Education is required for at least one borrower.</li>\r\n	<li>Loan to Value (LTV) =&lt; 95% - Homebuyer Education only required if all borrowers are first-time homebuyers. In that event, at least one homeowner must complete pre-purchase homebuyer education and counseling.</li>\r\n</ul>\r\n<strong>REI can provide Homebuyer Education through EHome America, please click on the following link to take the online course. The cost is $99.00.</strong>\r\n\r\n<a href=\"http://www.ehomeamerica.org/reiok\">www.ehomeamerica.org/reiok</a>\r\n<ul>\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2015/08/REI-Gift100-Fannie-Mae-Conventional-Program-Summary-15.06.26.pdf\" target=\"_blank\">REI Gift100 Program Summary</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2015/06/2015-Area-Median-Incomes-Conventional1.pdf\" target=\"_blank\">2015 Area Median Income – Gift100 Program</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2015/10/Program-Manual-15.07.pdf\" target=\"_blank\">REI Gift100 Program Guidelines</a></li>\r\n</ul>\r\n</ul>\r\n&nbsp;', 'REI Gift100 Conventional Loan Program', '', 'inherit', 'open', 'open', '', '217-revision-v1', '', '', '2015-12-01 15:38:58', '2015-12-01 15:38:58', '', 217, 'http://reidownpayment.org/217-revision-v1/', 0, 'revision', '', 0),
(1117, 2, '2015-12-01 22:26:46', '2015-12-01 22:26:46', '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 the REI Gift100 Program that allows you to offer closing cost and down payment to your borrower.\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', '', '', '2015-12-01 22:26:46', '2015-12-01 22:26:46', '', 7, 'http://reidownpayment.org/7-revision-v1/', 0, 'revision', '', 0),
(1119, 2, '2015-12-02 15:08:15', '2015-12-02 15:08:15', '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\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-12-02 15:08:15', '2015-12-02 15:08:15', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1120, 2, '2015-12-02 19:16:41', '2015-12-02 19:16:41', '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 the REI Gift100 Program that allows you to offer closing cost and down payment to your borrower.\r\n\r\n<strong>REI Gift100 Government Loan Program </strong><a href=\"http://reidownpayment.org/lenders/gift100-2/\">(click for more info)</a>\r\n\r\n<strong>REI Gift100 Conventional Loan Program </strong><a href=\"http://reidownpayment.org/lenders/conventional-program/\">(click for more info)</a>', 'Lenders', '', 'inherit', 'open', 'open', '', '7-revision-v1', '', '', '2015-12-02 19:16:41', '2015-12-02 19:16:41', '', 7, 'http://reidownpayment.org/7-revision-v1/', 0, 'revision', '', 0),
(1121, 2, '2015-12-02 19:18:24', '2015-12-02 19:18:24', '<b>REI GIFT100  - Government\r\n</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/2015/12/REI-Gift100-Program-Summary-15.12.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/2015/10/Program-Manual-15.07.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<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/2014/11/Amendatory-Clause-LOU-HFA-2.pdf\" target=\"_blank\">Amendatory Clause LOU - HFA 2</a></li>\r\n</ul>\r\n</ul>', 'REI Gift100 Government Loan Program', '', 'inherit', 'open', 'open', '', '431-revision-v1', '', '', '2015-12-02 19:18:24', '2015-12-02 19:18:24', '', 431, 'http://reidownpayment.org/431-revision-v1/', 0, 'revision', '', 0),
(1122, 2, '2015-12-02 19:30:51', '2015-12-02 19:30:51', '<div lang=\"EN-US\">\r\n\r\nREI Down Payment Assistance provides down payment and closing cost assistance to eligible borrowers through partnerships with lenders across the state. The programs are developed for people who have good jobs and the ability to re-pay a loan, but have not been able to save for the down payment or closing costs on a home.\r\n\r\nThe 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 that you are not required to pay back and there will not be 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	<li>Fannie Mae HFA Preferred</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>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. The following is a breakdown of the assistance available:\r\n<ul>\r\n	<li>FHA\r\n<ul>\r\n	<li>Gift of up to 5.0% of the total loan amount. The amount of assistance varies based on credit score and underwriting.</li>\r\n</ul>\r\n</li>\r\n	<li>VA, Rural Development &amp; HUD Section 184\r\n<ul>\r\n	<li>Gift of 3.5 or 5.0% of the total loan amount</li>\r\n</ul>\r\n</li>\r\n	<li>Fannie Mae HFA Preferred\r\n<ul>\r\n	<li>Gift of 3.0, 4.0, or 5.0% of the total loan amount</li>\r\n</ul>\r\n</li>\r\n</ul>\r\n<strong>Lenders:</strong> You may use the REI Gift100 approved lender of your choice. 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 appropriate link below for the Area Median Income requirements.\r\n\r\n<strong>Credit Score:</strong>\r\n<ul>\r\n	<li>FHA, VA, Rural Development &amp; HUD Section 184\r\n<ul>\r\n	<li><span style=\"color: #190707;\">Minimum Credit Score of 640</span></li>\r\n</ul>\r\n</li>\r\n	<li>Fannie Mae HFA Preferred &amp; Freddie Mac HFA Advantage\r\n<ul>\r\n	<li><span style=\"color: #190707;\">Loan to Value (LTV) of 95.01% - 97% - minimum credit score of 680</span></li>\r\n	<li><span style=\"color: #190707;\">Loan to Value (LTV) =&lt;95% - minimum credit score of 640</span></li>\r\n</ul>\r\n</li>\r\n</ul>\r\n<strong>First Time Home Buyer: </strong>No first-time home buyer requirement, however the borrower cannot  as of the note date, have any individual or joint ownership interest in any other residential properties.<strong>\r\n</strong>\r\n\r\n<strong>REI can provide Homebuyer Education through EHome America, please click on the following link to take the online course. The cost is $99.00. </strong><a href=\"http://www.ehomeamerica.org/reiok\">www.ehomeamerica.org/reiok</a>\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2015/06/2015-Area-Median-Incomes-FHA-VA-HUD-184.pdf\" target=\"_blank\">2015 Income Limits for FHA, VA, &amp; HUD 184</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2015/06/2015-Area-Median-Incomes-Conventional.pdf\" target=\"_blank\">2015 Income Limits for Conventional Program</a></li>\r\n</ul>\r\n</div>', 'Home Buyers', '', 'inherit', 'open', 'open', '', '6-revision-v1', '', '', '2015-12-02 19:30:51', '2015-12-02 19:30:51', '', 6, 'http://reidownpayment.org/6-revision-v1/', 0, 'revision', '', 0),
(1123, 2, '2015-12-02 19:33:18', '2015-12-02 19:33:18', '<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<div lang=\"EN-US\">\r\n\r\nREI Down Payment Assistance provides down payment and closing cost assistance to eligible borrowers through partnerships with lenders across the state. The programs are developed for people who have good jobs and the ability to re-pay a loan, but have not been able to save for the down payment or closing costs on a home.\r\n\r\nThe 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 that you are not required to pay back and there will not be 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	<li>Fannie Mae HFA Preferred</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>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. The following is a breakdown of the assistance available:\r\n<ul>\r\n	<li>FHA\r\n<ul>\r\n	<li>Gift of up to 5.0% of the total loan amount. The amount of assistance varies based on credit score and underwriting.</li>\r\n</ul>\r\n</li>\r\n	<li>VA, Rural Development &amp; HUD Section 184\r\n<ul>\r\n	<li>Gift of 3.5 or 5.0% of the total loan amount</li>\r\n</ul>\r\n</li>\r\n	<li>Fannie Mae HFA Preferred\r\n<ul>\r\n	<li>Gift of 3.0, 4.0, or 5.0% of the total loan amount</li>\r\n</ul>\r\n</li>\r\n</ul>\r\n<strong>Lenders:</strong> You may use the REI Gift100 approved lender of your choice. 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 appropriate link below for the Area Median Income requirements.\r\n\r\n<strong>Credit Score:</strong>\r\n<ul>\r\n	<li>FHA, VA, Rural Development &amp; HUD Section 184\r\n<ul>\r\n	<li><span style=\"color: #190707;\">Minimum Credit Score of 640</span></li>\r\n</ul>\r\n</li>\r\n	<li>Fannie Mae HFA Preferred &amp; Freddie Mac HFA Advantage\r\n<ul>\r\n	<li><span style=\"color: #190707;\">Loan to Value (LTV) of 95.01% - 97% - minimum credit score of 680</span></li>\r\n	<li><span style=\"color: #190707;\">Loan to Value (LTV) =&lt;95% - minimum credit score of 640</span></li>\r\n</ul>\r\n</li>\r\n</ul>\r\n<strong>First Time Home Buyer: </strong>No first-time home buyer requirement, however the borrower cannot  as of the note date, have any individual or joint ownership interest in any other residential properties.<strong>\r\n</strong>\r\n\r\n<strong>REI can provide Homebuyer Education through EHome America, please click on the following link to take the online course. The cost is $99.00. </strong><a href=\"http://www.ehomeamerica.org/reiok\">www.ehomeamerica.org/reiok</a>\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2015/06/2015-Area-Median-Incomes-FHA-VA-HUD-184.pdf\" target=\"_blank\">2015 Income Limits for FHA, VA, &amp; HUD 184</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2015/06/2015-Area-Median-Incomes-Conventional.pdf\" target=\"_blank\">2015 Income Limits for Conventional Program</a></li>\r\n</ul>\r\n</div>', 'Home Buyers', '', 'inherit', 'open', 'open', '', '6-revision-v1', '', '', '2015-12-02 19:33:18', '2015-12-02 19:33:18', '', 6, 'http://reidownpayment.org/6-revision-v1/', 0, 'revision', '', 0);
