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(1642, 2, '2017-01-17 21:43:26', '2017-01-17 21:43:26', '<span style=\"font-family: \'Calibri\',sans-serif;\">According to a recent U.S. Census survey, there are nearly 300,000 veterans currently living in Oklahoma. These courageous men and women need access to programs and services that can help them start a new life after service to their country. </span>\r\n\r\n<span style=\"font-family: \'Calibri\',sans-serif;\"><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2017/01/veteran-family-web.jpg\"><img class=\"alignleft size-medium wp-image-1636\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2017/01/veteran-family-web-300x201.jpg\" alt=\"Print\" width=\"300\" height=\"201\" data-id=\"1636\" /></a>REI in partnership with BancFirst and USDA Rural Development are offering the <strong>Housing America’s Heroes</strong> program that honors veterans for their service to by providing them with up to $5,000 toward down payment and closing costs for the purchase of a home. The program offers down payment and closing costs to qualified first-time homebuyers.</span>\r\n\r\n&nbsp;\r\n\r\n<strong>Eligibility Requirements for Applicants:</strong>\r\n<ol>\r\n 	<li>Must be an Honorably Discharged Veteran with a DD214</li>\r\n 	<li>Must be a first-time home buyer</li>\r\n 	<li>Household income must be at or below 80% of the Area Median Income as defined by Federal Home Loan Bank of Topeka. <a href=\"http://reidownpayment.org/wp/wp-content/uploads/2017/01/HAH-Income-Limits.jpg\" target=\"_blank\">Click here to see Income Limits</a>.</li>\r\n 	<li>Borrower must pay at least $500 out of pocket.</li>\r\n 	<li>Homebuyer Education is required through the following online course: REGISTER AT <a href=\"http://www.ehomeamerica.org/reiok\" target=\"_blank\">www.ehomeamerica.org/reiok</a></li>\r\n</ol>\r\n&nbsp;\r\n\r\nFor more information about the program, contact the <a href=\"https://www.bancfirst.com/\" target=\"_blank\">BancFirst</a> Mortgage Loan Officer nearest you, local <a href=\"https://www.rd.usda.gov/\" target=\"_blank\">USDA Rural Development</a> office or give us a call at 800.658.2823.', 'Housing America’s Heroes', '', 'inherit', 'closed', 'closed', '', '1635-revision-v1', '', '', '2017-01-17 21:43:26', '2017-01-17 21:43:26', '', 1635, 'http://reidownpayment.org/1635-revision-v1/', 0, 'revision', '', 0),
(1643, 2, '2017-01-17 21:43:47', '2017-01-17 21:43:47', '<span style=\"font-family: \'Calibri\',sans-serif;\"><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2017/01/veteran-family-web.jpg\"><img class=\"alignleft size-medium wp-image-1636\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2017/01/veteran-family-web-300x201.jpg\" alt=\"Print\" width=\"300\" height=\"201\" data-id=\"1636\" /></a>According to a recent U.S. Census survey, there are nearly 300,000 veterans currently living in Oklahoma. These courageous men and women need access to programs and services that can help them start a new life after service to their country. </span>\r\n\r\n<span style=\"font-family: \'Calibri\',sans-serif;\">REI in partnership with BancFirst and USDA Rural Development are offering the <strong>Housing America’s Heroes</strong> program that honors veterans for their service to by providing them with up to $5,000 toward down payment and closing costs for the purchase of a home. The program offers down payment and closing costs to qualified first-time homebuyers.</span>\r\n\r\n&nbsp;\r\n\r\n<strong>Eligibility Requirements for Applicants:</strong>\r\n<ol>\r\n 	<li>Must be an Honorably Discharged Veteran with a DD214</li>\r\n 	<li>Must be a first-time home buyer</li>\r\n 	<li>Household income must be at or below 80% of the Area Median Income as defined by Federal Home Loan Bank of Topeka. <a href=\"http://reidownpayment.org/wp/wp-content/uploads/2017/01/HAH-Income-Limits.jpg\" target=\"_blank\">Click here to see Income Limits</a>.</li>\r\n 	<li>Borrower must pay at least $500 out of pocket.</li>\r\n 	<li>Homebuyer Education is required through the following online course: REGISTER AT <a href=\"http://www.ehomeamerica.org/reiok\" target=\"_blank\">www.ehomeamerica.org/reiok</a></li>\r\n</ol>\r\n&nbsp;\r\n\r\nFor more information about the program, contact the <a href=\"https://www.bancfirst.com/\" target=\"_blank\">BancFirst</a> Mortgage Loan Officer nearest you, local <a href=\"https://www.rd.usda.gov/\" target=\"_blank\">USDA Rural Development</a> office or give us a call at 800.658.2823.', 'Housing America’s Heroes', '', 'inherit', 'closed', 'closed', '', '1635-revision-v1', '', '', '2017-01-17 21:43:47', '2017-01-17 21:43:47', '', 1635, 'http://reidownpayment.org/1635-revision-v1/', 0, 'revision', '', 0),
(1644, 2, '2017-01-17 21:44:05', '2017-01-17 21:44:05', '<span style=\"font-family: \'Calibri\',sans-serif;\"><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2017/01/veteran-family-web.jpg\"><img class=\"alignleft size-medium wp-image-1636\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2017/01/veteran-family-web-300x201.jpg\" alt=\"Print\" width=\"300\" height=\"201\" data-id=\"1636\" /></a>According to a recent U.S. Census survey, there are nearly 300,000 veterans currently living in Oklahoma. These courageous men and women need access to programs and services that can help them start a new life after service to their country. </span>\r\n\r\n<span style=\"font-family: \'Calibri\',sans-serif;\">REI in partnership with BancFirst and USDA Rural Development are offering the <strong>Housing America’s Heroes</strong> program that honors veterans for their service to by providing them with up to $5,000 toward down payment and closing costs for the purchase of a home. The program offers down payment and closing costs to qualified first-time homebuyers.</span>\r\n\r\n<strong>Eligibility Requirements for Applicants:</strong>\r\n<ol>\r\n 	<li>Must be an Honorably Discharged Veteran with a DD214</li>\r\n 	<li>Must be a first-time home buyer</li>\r\n 	<li>Household income must be at or below 80% of the Area Median Income as defined by Federal Home Loan Bank of Topeka. <a href=\"http://reidownpayment.org/wp/wp-content/uploads/2017/01/HAH-Income-Limits.jpg\" target=\"_blank\">Click here to see Income Limits</a>.</li>\r\n 	<li>Borrower must pay at least $500 out of pocket.</li>\r\n 	<li>Homebuyer Education is required through the following online course: REGISTER AT <a href=\"http://www.ehomeamerica.org/reiok\" target=\"_blank\">www.ehomeamerica.org/reiok</a></li>\r\n</ol>\r\n&nbsp;\r\n\r\nFor more information about the program, contact the <a href=\"https://www.bancfirst.com/\" target=\"_blank\">BancFirst</a> Mortgage Loan Officer nearest you, local <a href=\"https://www.rd.usda.gov/\" target=\"_blank\">USDA Rural Development</a> office or give us a call at 800.658.2823.', 'Housing America’s Heroes', '', 'inherit', 'closed', 'closed', '', '1635-revision-v1', '', '', '2017-01-17 21:44:05', '2017-01-17 21:44:05', '', 1635, 'http://reidownpayment.org/1635-revision-v1/', 0, 'revision', '', 0),
(1645, 2, '2017-01-17 21:44:39', '2017-01-17 21:44:39', '<span style=\"font-family: \'Calibri\',sans-serif;\"><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2017/01/veteran-family-web.jpg\"><img class=\"alignleft size-medium wp-image-1636\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2017/01/veteran-family-web-300x201.jpg\" alt=\"Print\" width=\"300\" height=\"201\" data-id=\"1636\" /></a>According to a recent U.S. Census survey, there are nearly 300,000 veterans currently living in Oklahoma. These courageous men and women need access to programs and services that can help them start a new life after service to their country. </span>\r\n\r\n<span style=\"font-family: \'Calibri\',sans-serif;\">REI in partnership with BancFirst and USDA Rural Development are offering the <strong>Housing America’s Heroes</strong> program that honors veterans for their service to by providing them with up to $5,000 toward down payment and closing costs for the purchase of a home. The program offers down payment and closing costs to qualified first-time homebuyers.</span>\r\n\r\n<strong>Eligibility Requirements for Applicants:</strong>\r\n<ol>\r\n 	<li>Must be an Honorably Discharged Veteran with a DD214</li>\r\n 	<li>Must be a first-time home buyer</li>\r\n 	<li>Household income must be at or below 80% of the Area Median Income as defined by Federal Home Loan Bank of Topeka. <a href=\"http://reidownpayment.org/wp/wp-content/uploads/2017/01/HAH-Income-Limits.jpg\" target=\"_blank\">Click here to see Income Limits</a>.</li>\r\n 	<li>Borrower must pay at least $500 out of pocket.</li>\r\n 	<li>Homebuyer Education is required through the following online course: REGISTER AT <a href=\"http://www.ehomeamerica.org/reiok\" target=\"_blank\">www.ehomeamerica.org/reiok</a></li>\r\n</ol>\r\nFor more information about the program, contact the <a href=\"https://www.bancfirst.com/\" target=\"_blank\">BancFirst</a> Mortgage Loan Officer nearest you, local <a href=\"https://www.rd.usda.gov/\" target=\"_blank\">USDA Rural Development</a> office or give us a call at 800.658.2823.', 'Housing America’s Heroes', '', 'inherit', 'closed', 'closed', '', '1635-revision-v1', '', '', '2017-01-17 21:44:39', '2017-01-17 21:44:39', '', 1635, 'http://reidownpayment.org/1635-revision-v1/', 0, 'revision', '', 0),
(1646, 2, '2017-01-17 21:45:23', '2017-01-17 21:45:23', '<span style=\"font-family: \'Calibri\',sans-serif;\"><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2017/01/veteran-family-web.jpg\"><img class=\"alignleft size-medium wp-image-1636\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2017/01/veteran-family-web-300x201.jpg\" alt=\"Print\" width=\"300\" height=\"201\" data-id=\"1636\" /></a>According to a recent U.S. Census survey, there are nearly 300,000 veterans currently living in Oklahoma. These courageous men and women need access to programs and services that can help them start a new life after service to their country. </span>\r\n\r\n<span style=\"font-family: \'Calibri\',sans-serif;\">REI in partnership with BancFirst and USDA Rural Development are offering the <strong>Housing America’s Heroes</strong> program that honors veterans for their service to by providing them with up to $5,000 toward down payment and closing costs for the purchase of a home. The program offers down payment and closing costs to qualified first-time homebuyers.</span>\r\n\r\n<strong>Eligibility Requirements for Applicants:</strong>\r\n<ol>\r\n 	<li>Must be an Honorably Discharged Veteran with a DD214</li>\r\n 	<li>Must be a first-time home buyer</li>\r\n 	<li>Household income must be at or below 80% of the Area Median Income as defined by Federal Home Loan Bank of Topeka. <a href=\"http://reidownpayment.org/wp/wp-content/uploads/2017/01/HAH-Income-Limits.jpg\" target=\"_blank\">Click here to see Income Limits</a>.</li>\r\n 	<li>Borrower must pay at least $500 out of pocket.</li>\r\n 	<li>Homebuyer Education is required through the following online course: REGISTER AT <a href=\"http://www.ehomeamerica.org/reiok\" target=\"_blank\">www.ehomeamerica.org/reiok</a></li>\r\n</ol>\r\n&nbsp;\r\n\r\nFor more information about the program, contact the <a href=\"https://www.bancfirst.com/\" target=\"_blank\">BancFirst</a> Mortgage Loan Officer nearest you, local <a href=\"https://www.rd.usda.gov/\" target=\"_blank\">USDA Rural Development</a> office or give us a call at 800.658.2823.', 'Housing America’s Heroes', '', 'inherit', 'closed', 'closed', '', '1635-revision-v1', '', '', '2017-01-17 21:45:23', '2017-01-17 21:45:23', '', 1635, 'http://reidownpayment.org/1635-revision-v1/', 0, 'revision', '', 0),
(1647, 2, '2017-01-18 14:52:03', '2017-01-18 14:52:03', '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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-01-18 14:52:03', '2017-01-18 14:52:03', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1648, 2, '2017-01-18 21:33:28', '2017-01-18 21:33:28', '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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-01-18 21:33:28', '2017-01-18 21:33:28', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1649, 2, '2017-01-19 15:05:24', '2017-01-19 15:05:24', '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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-01-19 15:05:24', '2017-01-19 15:05:24', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1651, 2, '2017-01-20 15:10:09', '2017-01-20 15:10:09', '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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-01-20 15:10:09', '2017-01-20 15:10:09', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1652, 2, '2017-01-23 15:29:59', '2017-01-23 15:29:59', '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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-01-23 15:29:59', '2017-01-23 15:29:59', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1653, 2, '2017-01-23 22:11:25', '2017-01-23 22:11:25', '', 'REI Gift100 Conventional Program Summary 17.01.23', '', 'inherit', 'open', 'closed', '', 'rei-gift100-conventional-program-summary-17-01-23', '', '', '2017-01-23 22:11:25', '2017-01-23 22:11:25', '', 0, 'http://reidownpayment.org/wp/wp-content/uploads/2017/01/REI-Gift100-Conventional-Program-Summary-17.01.23.pdf', 0, 'attachment', 'application/pdf', 0),
(1654, 2, '2017-01-23 22:13:53', '2017-01-23 22:13:53', '<strong>What types of loan programs are available?</strong>\r\nWe offer a 30 year fixed rate loan with down payment assistance on the following loan products:\r\n<ul>\r\n 	<li><span style=\"color: green;\">Fannie Mae HFA Preferred up to 97% LTV</span></li>\r\n 	<li><span style=\"color: #2e86c1;\">Freddie Mac HFA Advantage up to 97% LTV</span></li>\r\n 	<li>Rate/term refinance on any of the above loan products.</li>\r\n</ul>\r\n<strong>How do I become a lender?</strong>\r\nLenders must be approved by U.S. Bank HFA Division to participate in the REI Gift100 Program.  US Bank serves as the Master Servicer and purchases the loans associated with the Gift100 Program.  Interested lenders should contact:\r\n\r\nDena Sherrill, Housing Program Manager at <a href=\"mailto:dsherrill@reiok.org\">dsherrill@reiok.org</a>\r\nJeremy 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>What are the first mortgage interest rates?</strong>\r\nREI 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.  An extension can be purchased if needed. Please see <a href=\"http://reidownpayment.org/wp/wp-content/uploads/2017/01/REI-Gift100-Conventional-Program-Summary-17.01.23.pdf\" target=\"_blank\">Program Summary</a> for details.\r\n\r\n<strong>How does DPA work?</strong>\r\nThe down payment assistance is in the form of a gift and is based on a percentage of the total first mortgage loan amount.\r\n<ul>\r\n 	<li>Amount of assistance is 3.5% or 5.0% of total first mortgage loan amount (determined by the lender).</li>\r\n 	<li>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, single or split MI fees 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 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.</li>\r\n 	<li>REI will table fund the Gift Funds at closing<strong>\r\n</strong></li>\r\n</ul>\r\n<strong>What is the minimum credit score?</strong>\r\nAll borrowers MUST have a minimum representative Credit Score of 640 when using an automated underwriting system.  See <a href=\"http://reidownpayment.org/wp/wp-content/uploads/2017/01/REI-Gift100-Conventional-Program-Summary-17.01.23.pdf\" target=\"_blank\">Program Summary</a> for manual underwriting guidelines and alternative credit requirements.\r\n\r\n<strong>What is the Debt to Income (DTI) Ratio? </strong>\r\n<ul>\r\n 	<li>Determined by First Mortgage Program not to exceed 45% when underwritten through AUS (DU or LP).</li>\r\n 	<li>Manual Underwrite/Alternative Credit Score for AUS refer or No Fico 36% with 2 months PITI reserves after closing.</li>\r\n</ul>\r\n<strong>What are the underwriting guidelines?</strong>\r\n<span style=\"color: green;\">Fannie Mae HFA Preferred</span> and <span style=\"color: #2e86c1;\">Freddie Mac HFA Advantage</span> have slightly different underwriting guidelines. Please see the <a href=\"http://reidownpayment.org/wp/wp-content/uploads/2017/01/REI-Gift100-Conventional-Program-Summary-17.01.23.pdf\" target=\"_blank\">Program Summary</a> for detailed information.\r\n\r\n<strong>Does the borrower have to be a first-time homebuyer?</strong>\r\nNo, there is no first-time home buyer requirement.  See <a href=\"http://reidownpayment.org/wp/wp-content/uploads/2017/01/REI-Gift100-Conventional-Program-Summary-17.01.23.pdf\" target=\"_blank\">Program Summary</a> for more detailed borrower eligibility guidelines per program.\r\n\r\n<strong>Are there income restrictions?</strong>\r\nThe borrower’s <strong>qualifying</strong> income must not exceed Program Income Limits.  Click this link to see <a href=\"http://reidownpayment.org/wp/wp-content/uploads/2016/04/2016-Area-Median-Incomes-Conventional.pdf\" target=\"_blank\">Income Limits</a>.\r\n<strong>Lenders will be responsible for ensuring that the income meets program guidelines.</strong>\r\n\r\n<strong>Does the borrower have to take a home buyer education class?</strong>\r\nRequired if all borrowers are first-time home buyers, at least one borrower must complete pre-purchase home buyer education and counseling.  The online course listed below is an acceptable course as is an on-line MI company, and/or an OHEA Certified or HUD certified counselors.\r\n<p style=\"text-align: left;\">REI has been approved to provide Homebuyer Education through EHome America, please click on the following link to take the online course. The cost is $99.00.</p>\r\n<p style=\"text-align: center;\"><a href=\"http://www.ehomeamerica.org/reiok\" target=\"_blank\">www.ehomeamerica.org/reiok</a></p>\r\n<strong>Which Mortgage Insurance (MI) companies participate in the program?</strong>\r\n<ul>\r\n 	<li>Arch</li>\r\n 	<li>Essent</li>\r\n 	<li>Genworth</li>\r\n 	<li>MGIC</li>\r\n 	<li>National MI</li>\r\n 	<li>Radian</li>\r\n 	<li>United Guaranty</li>\r\n</ul>\r\n<strong>What is the 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> What are the MI Payment Options?</strong>\r\n<ul>\r\n 	<li>Borrower Paid – monthly with annual renewal</li>\r\n 	<li>Split Premium</li>\r\n 	<li>Single Premium</li>\r\n</ul>\r\n<strong>****Base loan plus financed MI cannot exceed 97% LTV.****</strong>\r\n\r\n<strong> Are Seller concessions allowed?</strong>\r\n<ul>\r\n 	<li>3% Maximum for CLTV Greater than 90%</li>\r\n 	<li>6% maximum of CLTV less than or equal to 90%.</li>\r\n</ul>\r\nMay be used for closing costs and/or single or split MI premiums\r\n\r\n<strong>Does the borrower have to pay back the gift?</strong>\r\nNo, the borrower is not required to pay back the gift upon sale or refinance, it is a true gift to the borrower.\r\n\r\n<strong>What are the lender compensation, fees, and purchase:</strong> Please review the <a href=\"http://reidownpayment.org/wp/wp-content/uploads/2017/01/REI-Gift100-Conventional-Program-Summary-17.01.23.pdf\" target=\"_blank\">Program Summary</a> for compensation, loan fees, and purchase requirements.\r\n\r\n<strong>How long does the process take?</strong>\r\nLender’s should be able to close a loan in the same amount of time it takes to close a traditional mortgage loan.\r\n\r\n<strong>Can the borrower receive a gift for investment property?</strong>\r\nNo, the borrower must utilize the gift on their primary residence.\r\n<ul>\r\n 	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2017/01/REI-Gift100-Conventional-Program-Summary-17.01.23.pdf\" target=\"_blank\">Program Summary</a></li>\r\n 	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2016/04/2016-Area-Median-Incomes-Conventional.pdf\" target=\"_blank\">Income Limits</a></li>\r\n 	<li><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a></li>\r\n</ul>', 'REI Gift100 Conventional Loan Program FAQ', '', 'inherit', 'closed', 'closed', '', '217-revision-v1', '', '', '2017-01-23 22:13:53', '2017-01-23 22:13:53', '', 217, 'http://reidownpayment.org/217-revision-v1/', 0, 'revision', '', 0),
(1655, 2, '2017-01-24 15:02:00', '2017-01-24 15:02:00', '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=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-01-24 15:02:00', '2017-01-24 15:02:00', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1657, 2, '2017-01-25 15:09:59', '2017-01-25 15:09:59', '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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-01-25 15:09:59', '2017-01-25 15:09:59', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1658, 2, '2017-01-26 15:04:56', '2017-01-26 15:04:56', '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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-01-26 15:04:56', '2017-01-26 15:04:56', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1659, 2, '2017-01-27 14:59:50', '2017-01-27 14:59:50', '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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-01-27 14:59:50', '2017-01-27 14:59:50', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1661, 2, '2017-01-30 14:43:53', '2017-01-30 14:43:53', '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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-01-30 14:43:53', '2017-01-30 14:43:53', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1662, 2, '2017-01-31 14:59:40', '2017-01-31 14:59:40', '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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-01-31 14:59:40', '2017-01-31 14:59:40', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1663, 2, '2017-02-01 14:55:50', '2017-02-01 14:55:50', '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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-02-01 14:55:50', '2017-02-01 14:55:50', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1664, 2, '2017-02-02 15:19:42', '2017-02-02 15:19:42', '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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-02-02 15:19:42', '2017-02-02 15:19:42', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1665, 2, '2017-02-03 15:14:58', '2017-02-03 15:14:58', '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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-02-03 15:14:58', '2017-02-03 15:14:58', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1666, 2, '2017-02-06 15:05:06', '2017-02-06 15:05:06', '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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-02-06 15:05:06', '2017-02-06 15:05:06', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1668, 2, '2017-02-07 14:57:15', '2017-02-07 14:57:15', '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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-02-07 14:57:15', '2017-02-07 14:57:15', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1669, 2, '2017-02-08 14:47:33', '2017-02-08 14:47:33', '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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-02-08 14:47:33', '2017-02-08 14:47:33', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1670, 2, '2017-02-09 14:59:26', '2017-02-09 14:59:26', '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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-02-09 14:59:26', '2017-02-09 14:59:26', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1671, 2, '2017-02-10 14:53:56', '2017-02-10 14:53:56', '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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-02-10 14:53:56', '2017-02-10 14:53:56', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1672, 2, '2017-02-13 14:53:54', '2017-02-13 14:53:54', '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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-02-13 14:53:54', '2017-02-13 14:53:54', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1673, 2, '2017-02-14 14:50:16', '2017-02-14 14:50:16', '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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-02-14 14:50:16', '2017-02-14 14:50:16', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1675, 2, '2017-02-15 14:57:35', '2017-02-15 14:57:35', '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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-02-15 14:57:35', '2017-02-15 14:57:35', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1676, 2, '2017-02-16 15:27:20', '2017-02-16 15:27:20', '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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-02-16 15:27:20', '2017-02-16 15:27:20', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1677, 2, '2017-02-17 14:55:41', '2017-02-17 14:55:41', '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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-02-17 14:55:41', '2017-02-17 14:55:41', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1678, 2, '2017-02-21 14:55:18', '2017-02-21 14:55:18', '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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-02-21 14:55:18', '2017-02-21 14:55:18', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1679, 2, '2017-02-22 14:59:06', '2017-02-22 14:59:06', '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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-02-22 14:59:06', '2017-02-22 14:59:06', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1681, 2, '2017-02-23 14:58:57', '2017-02-23 14:58:57', '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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-02-23 14:58:57', '2017-02-23 14:58:57', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1682, 2, '2017-02-24 14:59:24', '2017-02-24 14:59:24', '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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-02-24 14:59:24', '2017-02-24 14:59:24', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1683, 2, '2017-02-27 14:47:40', '2017-02-27 14:47:40', '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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-02-27 14:47:40', '2017-02-27 14:47:40', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1684, 2, '2017-02-28 15:08:23', '2017-02-28 15:08:23', '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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-02-28 15:08:23', '2017-02-28 15:08:23', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1685, 2, '2017-03-01 15:16:39', '2017-03-01 15:16:39', '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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-03-01 15:16:39', '2017-03-01 15:16:39', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1686, 2, '2017-03-02 15:11:55', '2017-03-02 15:11:55', '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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-03-02 15:11:55', '2017-03-02 15:11:55', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1688, 2, '2017-03-03 14:59:19', '2017-03-03 14:59:19', '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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-03-03 14:59:19', '2017-03-03 14:59:19', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1689, 2, '2017-03-06 14:43:51', '2017-03-06 14:43:51', '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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-03-06 14:43:51', '2017-03-06 14:43:51', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1690, 2, '2017-03-07 15:05:54', '2017-03-07 15:05:54', '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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-03-07 15:05:54', '2017-03-07 15:05:54', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1691, 2, '2017-03-08 14:26:56', '2017-03-08 14:26:56', '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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-03-08 14:26:56', '2017-03-08 14:26:56', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1692, 2, '2017-03-08 16:14:12', '2017-03-08 16:14:12', 'Home is a place of comfort, refuge and rest. These feelings are amplified when you own your home, that is why homeownership is called \"The American Dream\".  Many people do not believe that they are eligible to purchase a home. REI Down Payment Assistance has down payment and/or closing cost assistance programs, which could be the key to you becoming a homeowner.\r\n\r\nREI Down Payment Assistance has helped more than 5,000 Oklahoma families achieve homeownership through partnerships with mortgage lenders. These programs give mortgage lenders more tools to help eligible borrowers purchase the home of their dreams.\r\n\r\nHome...Where Life Begins! Let us help, whether you are a potential homebuyer or lender, click the appropriate links above to learn more.', 'Home... Where Life Begins!', '', 'inherit', 'closed', 'closed', '', '22-revision-v1', '', '', '2017-03-08 16:14:12', '2017-03-08 16:14:12', '', 22, 'http://reidownpayment.org/22-revision-v1/', 0, 'revision', '', 0),
(1693, 2, '2017-03-09 15:44:21', '2017-03-09 15:44:21', '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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-03-09 15:44:21', '2017-03-09 15:44:21', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1694, 2, '2017-03-10 15:11:40', '2017-03-10 15:11:40', '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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-03-10 15:11:40', '2017-03-10 15:11:40', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1696, 2, '2017-03-13 14:24:31', '2017-03-13 14:24:31', '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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-03-13 14:24:31', '2017-03-13 14:24:31', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0);
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(1697, 2, '2017-03-14 14:18:20', '2017-03-14 14:18:20', '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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-03-14 14:18:20', '2017-03-14 14:18:20', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1698, 2, '2017-03-15 14:36:08', '2017-03-15 14:36:08', '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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-03-15 14:36:08', '2017-03-15 14:36:08', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1699, 2, '2017-03-16 14:40:24', '2017-03-16 14:40:24', '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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-03-16 14:40:24', '2017-03-16 14:40:24', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1700, 2, '2017-03-20 14:21:28', '2017-03-20 14:21:28', '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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-03-20 14:21:28', '2017-03-20 14:21:28', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1703, 2, '2017-03-21 14:43:16', '2017-03-21 14:43:16', '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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-03-21 14:43:16', '2017-03-21 14:43:16', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1704, 2, '2017-03-21 16:22:50', '2017-03-21 16:22:50', '', 'REI Gift100 Conventional Program Summary 17.03.20', '', 'inherit', 'open', 'closed', '', 'rei-gift100-conventional-program-summary-17-03-20', '', '', '2017-03-21 16:22:50', '2017-03-21 16:22:50', '', 0, 'http://reidownpayment.org/wp/wp-content/uploads/2017/03/REI-Gift100-Conventional-Program-Summary-17.03.20.pdf', 0, 'attachment', 'application/pdf', 0),
(1705, 2, '2017-03-21 16:22:52', '2017-03-21 16:22:52', '', 'REI Gift100 Program Summary 17.03.20', '', 'inherit', 'open', 'closed', '', 'rei-gift100-program-summary-17-03-20', '', '', '2017-03-21 16:22:52', '2017-03-21 16:22:52', '', 0, 'http://reidownpayment.org/wp/wp-content/uploads/2017/03/REI-Gift100-Program-Summary-17.03.20.pdf', 0, 'attachment', 'application/pdf', 0),
(1706, 2, '2017-03-21 16:29:05', '2017-03-21 16:29:05', '<strong>What types of loan programs are available?</strong>\r\nWe offer a 30 year fixed rate loan with down payment assistance on the following loan products:\r\n<ul>\r\n 	<li><span style=\"color: green;\">Fannie Mae HFA Preferred up to 97% LTV</span></li>\r\n 	<li><span style=\"color: #2e86c1;\">Freddie Mac HFA Advantage up to 97% LTV</span></li>\r\n 	<li>Rate/term refinance on any of the above loan products.</li>\r\n</ul>\r\n<strong>How do I become a lender?</strong>\r\nLenders must be approved by U.S. Bank HFA Division to participate in the REI Gift100 Program.  US Bank serves as the Master Servicer and purchases the loans associated with the Gift100 Program.  Interested lenders should contact:\r\n\r\nDena Sherrill, Housing Program Manager at <a href=\"mailto:dsherrill@reiok.org\">dsherrill@reiok.org</a>\r\nJeremy 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>What are the first mortgage interest rates?</strong>\r\nREI 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.  An extension can be purchased if needed. Please see <a href=\"http://reidownpayment.org/wp/wp-content/uploads/2017/03/REI-Gift100-Conventional-Program-Summary-17.03.20.pdf\" target=\"_blank\">Program Summary</a> for details.\r\n\r\n<strong>How does DPA work?</strong>\r\nThe down payment assistance is in the form of a gift and is based on a percentage of the total first mortgage loan amount.\r\n<ul>\r\n 	<li>Amount of assistance is 3.5% or 5.0% of total first mortgage loan amount (determined by the lender).</li>\r\n 	<li>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, single or split MI fees 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 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.</li>\r\n 	<li>REI will table fund the Gift Funds at closing<strong>\r\n</strong></li>\r\n</ul>\r\n<strong>What is the minimum credit score?</strong>\r\nAll borrowers MUST have a minimum representative Credit Score of 640 when using an automated underwriting system.  See <a href=\"http://reidownpayment.org/wp/wp-content/uploads/2017/03/REI-Gift100-Conventional-Program-Summary-17.03.20.pdf\" target=\"_blank\">Program Summary</a> for manual underwriting guidelines and alternative credit requirements.\r\n\r\n<strong>What is the Debt to Income (DTI) Ratio? </strong>\r\n<ul>\r\n 	<li>Determined by First Mortgage Program not to exceed 45% when underwritten through AUS (DU or LP).</li>\r\n 	<li>Manual Underwrite/Alternative Credit Score for AUS refer or No Fico 36% with 2 months PITI reserves after closing.</li>\r\n</ul>\r\n<strong>What are the underwriting guidelines?</strong>\r\n<span style=\"color: green;\">Fannie Mae HFA Preferred</span> and <span style=\"color: #2e86c1;\">Freddie Mac HFA Advantage</span> have slightly different underwriting guidelines. Please see the <a href=\"http://reidownpayment.org/wp/wp-content/uploads/2017/03/REI-Gift100-Conventional-Program-Summary-17.03.20.pdf\" target=\"_blank\">Program Summary</a> for detailed information.\r\n\r\n<strong>Does the borrower have to be a first-time homebuyer?</strong>\r\nNo, there is no first-time home buyer requirement.  See <a href=\"http://reidownpayment.org/wp/wp-content/uploads/2017/03/REI-Gift100-Conventional-Program-Summary-17.03.20.pdf\" target=\"_blank\">Program Summary</a> for more detailed borrower eligibility guidelines per program.\r\n\r\n<strong>Are there income restrictions?</strong>\r\nThe borrower’s <strong>qualifying</strong> income must not exceed Program Income Limits.  Click this link to see <a href=\"http://reidownpayment.org/wp/wp-content/uploads/2016/04/2016-Area-Median-Incomes-Conventional.pdf\" target=\"_blank\">Income Limits</a>.\r\n<strong>Lenders will be responsible for ensuring that the income meets program guidelines.</strong>\r\n\r\n<strong>Does the borrower have to take a home buyer education class?</strong>\r\nRequired if all borrowers are first-time home buyers, at least one borrower must complete pre-purchase home buyer education and counseling.  The online course listed below is an acceptable course as is an on-line MI company, and/or an OHEA Certified or HUD certified counselors.\r\n<p style=\"text-align: left;\">REI has been approved to provide Homebuyer Education through EHome America, please click on the following link to take the online course. The cost is $99.00.</p>\r\n<p style=\"text-align: center;\"><a href=\"http://www.ehomeamerica.org/reiok\" target=\"_blank\">www.ehomeamerica.org/reiok</a></p>\r\n<strong>Which Mortgage Insurance (MI) companies participate in the program?</strong>\r\n<ul>\r\n 	<li>Arch</li>\r\n 	<li>Essent</li>\r\n 	<li>Genworth</li>\r\n 	<li>MGIC</li>\r\n 	<li>National MI</li>\r\n 	<li>Radian</li>\r\n 	<li>United Guaranty</li>\r\n</ul>\r\n<strong>What is the 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> What are the MI Payment Options?</strong>\r\n<ul>\r\n 	<li>Borrower Paid – monthly with annual renewal</li>\r\n 	<li>Split Premium</li>\r\n 	<li>Single Premium</li>\r\n</ul>\r\n<strong>****Base loan plus financed MI cannot exceed 97% LTV.****</strong>\r\n\r\n<strong> Are Seller concessions allowed?</strong>\r\n<ul>\r\n 	<li>3% Maximum for CLTV Greater than 90%</li>\r\n 	<li>6% maximum of CLTV less than or equal to 90%.</li>\r\n</ul>\r\nMay be used for closing costs and/or single or split MI premiums\r\n\r\n<strong>Does the borrower have to pay back the gift?</strong>\r\nNo, the borrower is not required to pay back the gift upon sale or refinance, it is a true gift to the borrower.\r\n\r\n<strong>What are the lender compensation, fees, and purchase:</strong> Please review the <a href=\"http://reidownpayment.org/wp/wp-content/uploads/2017/03/REI-Gift100-Conventional-Program-Summary-17.03.20.pdf\" target=\"_blank\">Program Summary</a> for compensation, loan fees, and purchase requirements.\r\n\r\n<strong>How long does the process take?</strong>\r\nLender’s should be able to close a loan in the same amount of time it takes to close a traditional mortgage loan.\r\n\r\n<strong>Can the borrower receive a gift for investment property?</strong>\r\nNo, the borrower must utilize the gift on their primary residence.\r\n<ul>\r\n 	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2017/03/REI-Gift100-Conventional-Program-Summary-17.03.20.pdf\" target=\"_blank\">Program Summary</a></li>\r\n 	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2016/04/2016-Area-Median-Incomes-Conventional.pdf\" target=\"_blank\">Income Limits</a></li>\r\n 	<li><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a></li>\r\n</ul>', 'REI Gift100 Conventional Loan Program FAQ', '', 'inherit', 'closed', 'closed', '', '217-revision-v1', '', '', '2017-03-21 16:29:05', '2017-03-21 16:29:05', '', 217, 'http://reidownpayment.org/217-revision-v1/', 0, 'revision', '', 0),
(1707, 2, '2017-03-21 16:30:22', '2017-03-21 16:30:22', '<strong>What types of loan programs are available?</strong>\r\nWe offer a 30 year fixed rate loan with down payment assistance on the following loan products:\r\n<ul>\r\n 	<li>FHA – 203(b), 234(c) &amp; 203ks (lenders must have an additional approval from U.S. Bank HFA Division to originate 203ks loans)</li>\r\n 	<li>VA – 203(b) &amp; 234(c)</li>\r\n 	<li>Rural Housing Guaranteed Loan</li>\r\n 	<li>HUD Section 184</li>\r\n 	<li>Rate/term refinance on any of the above loan products.</li>\r\n</ul>\r\n<strong>How do I become a lender?</strong>\r\nLenders must be approved by U.S. Bank HFA Division to participate in the REI Gift100 Program.  US Bank serves as the Master Servicer and purchases the loans associated with the Gift100 Program.  Interested lenders should contact:\r\n\r\nDena Sherrill, Housing Program Manager at <a href=\"mailto:dsherrill@reiok.org\">dsherrill@reiok.org</a>\r\nJeremy 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>What are the first mortgage interest rates?</strong>\r\nREI 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.  An extension can be purchased if needed. Please see Program Summary (link) below for details.\r\n\r\n<strong>How does DPA work?</strong>\r\nThe down payment assistance is in the form of a gift and is based on a percentage of the total first mortgage loan amount.\r\n<ul>\r\n 	<li>Amount of assistance is 3.5% or 5.0% of total first mortgage loan amount (determined by the lender).</li>\r\n 	<li>The funds may be used to fund up to 100% of the Borrower’s cash requirement to close, including the down payment, closing costs, pre-paid items and other related Mortgage Loan fees and expenses. No portion of the gift funds can be paid to the Borrower unless the Borrower is being reimbursed for an overage of his/her earnest money deposit to the extent the minimum Borrower contribution has been satisfied.  Under the rate/term refinance option, any funds above the amount needed to pay the Borrower’s loan related costs must be used to reduce the principal amount of the First Mortgage loan.</li>\r\n 	<li>REI will table fund the Gift Funds at closing<strong>\r\n</strong></li>\r\n</ul>\r\n<strong>What is the minimum credit score?</strong>\r\nAll borrowers MUST have a minimum representative Credit Score of 640 when using an automated underwriting system.  See <a href=\"http://reidownpayment.org/wp/wp-content/uploads/2017/03/REI-Gift100-Program-Summary-17.03.20.pdf\" target=\"_blank\">Program Summary</a> for manual underwriting guidelines and alternative credit requirements.\r\n\r\n<strong>What is the Debt to Income (DTI) Ratio? </strong>\r\n<ul>\r\n 	<li>Determined by First Mortgage Program not to exceed 45% when underwritten through AUS (DU or LP).</li>\r\n 	<li>Manual Underwrite/Alternative Credit Score for AUS refer or No Fico 36% with 2 months PITI reserves after closing.</li>\r\n</ul>\r\n<strong>Does the borrower have to be a first-time homebuyer?</strong>\r\nNo, there is no first-time home buyer requirement.\r\n\r\n<strong>Does the borrower have to take a home buyer education class?</strong>\r\nHome buyer education is recommended, but not required.\r\n\r\n<strong>Are there income restrictions?</strong>\r\n<ul>\r\n 	<li>FHA, VA, &amp; HUD 184 - The borrower’s <strong>qualifying</strong> income must not exceed Program Income Limits. Click this link to see <a href=\"http://reidownpayment.org/wp/wp-content/uploads/2016/04/2016-Area-Median-Incomes-FHA-VA-HUD-184.pdf\" target=\"_blank\">Income Limits</a>.</li>\r\n 	<li>Rural Development Loans - Income is based on Adjusted Household Income per Rural Development’s Guidelines. Income limits can be found at the following link: <a href=\"http://www.rurdev.usda.gov/SupportDocuments/OK%20GRH.pdf\">http://www.rurdev.usda.gov/SupportDocuments/OK%20GRH.pdf</a></li>\r\n</ul>\r\n<strong>Lenders will be responsible for ensuring that the income meets program guidelines.</strong>\r\n\r\n<strong>Are Seller concessions allowed?</strong>\r\nYes, 6% seller concessions are allowed.\r\n\r\n<strong>Does the borrower have to pay back the gift?</strong>\r\nNo, the borrower is not required to pay back the gift upon sale or refinance, it is a true gift to the borrower.\r\n\r\n<strong>What are the lender compensation, fees, and purchase:</strong> Please review the <a href=\"http://reidownpayment.org/wp/wp-content/uploads/2017/03/REI-Gift100-Program-Summary-17.03.20.pdf\" target=\"_blank\">Program Summary</a> for compensation, loan fees, and purchase requirements.\r\n\r\n<strong>How long does the process take?</strong>\r\nLender’s should be able to close a loan in the same amount of time it takes to close a traditional mortgage loan.\r\n\r\n<strong>Can the borrower receive a gift for investment property?</strong>\r\nNo, the borrower must utilize the gift on their primary residence.\r\n<ul>\r\n 	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2017/03/REI-Gift100-Program-Summary-17.03.20.pdf\" target=\"_blank\">REI Gift100 Program Summary</a></li>\r\n 	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2016/04/2016-Area-Median-Incomes-FHA-VA-HUD-184.pdf\" target=\"_blank\">2016 Area Median Income - Gift100 Program</a></li>\r\n 	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2016/05/Government-Loan-Delivery-Checklist-2.12.16.pdf\" target=\"_blank\">Government Stacking Order</a></li>\r\n 	<li><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a></li>\r\n</ul>\r\n<strong>US Bank Forms &amp; Bulletins:</strong>\r\n<ul>\r\n 	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/05/USB-002-DPA-Form.pdf\" target=\"_blank\">US Bank Down Payment Assistance Form</a></li>\r\n</ul>', 'REI Gift100 Government Loan Program FAQ', '', 'inherit', 'closed', 'closed', '', '431-revision-v1', '', '', '2017-03-21 16:30:22', '2017-03-21 16:30:22', '', 431, 'http://reidownpayment.org/431-revision-v1/', 0, 'revision', '', 0),
(1708, 2, '2017-03-21 16:32:57', '2017-03-21 16:32:57', '<strong>What types of loan programs are available?</strong>\r\nWe offer a 30 year fixed rate loan with down payment assistance on the following loan products:\r\n<ul>\r\n 	<li>FHA – 203(b), 234(c) &amp; 203ks (lenders must have an additional approval from U.S. Bank HFA Division to originate 203ks loans)</li>\r\n 	<li>VA – 203(b) &amp; 234(c)</li>\r\n 	<li>Rural Housing Guaranteed Loan</li>\r\n 	<li>Rate/term refinance on any of the above loan products.</li>\r\n</ul>\r\n<strong>How do I become a lender?</strong>\r\nLenders must be approved by U.S. Bank HFA Division to participate in the REI Gift100 Program.  US Bank serves as the Master Servicer and purchases the loans associated with the Gift100 Program.  Interested lenders should contact:\r\n\r\nDena Sherrill, Housing Program Manager at <a href=\"mailto:dsherrill@reiok.org\">dsherrill@reiok.org</a>\r\nJeremy 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>What are the first mortgage interest rates?</strong>\r\nREI 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.  An extension can be purchased if needed. Please see Program Summary (link) below for details.\r\n\r\n<strong>How does DPA work?</strong>\r\nThe down payment assistance is in the form of a gift and is based on a percentage of the total first mortgage loan amount.\r\n<ul>\r\n 	<li>Amount of assistance is 3.5% or 5.0% of total first mortgage loan amount (determined by the lender).</li>\r\n 	<li>The funds may be used to fund up to 100% of the Borrower’s cash requirement to close, including the down payment, closing costs, pre-paid items and other related Mortgage Loan fees and expenses. No portion of the gift funds can be paid to the Borrower unless the Borrower is being reimbursed for an overage of his/her earnest money deposit to the extent the minimum Borrower contribution has been satisfied.  Under the rate/term refinance option, any funds above the amount needed to pay the Borrower’s loan related costs must be used to reduce the principal amount of the First Mortgage loan.</li>\r\n 	<li>REI will table fund the Gift Funds at closing<strong>\r\n</strong></li>\r\n</ul>\r\n<strong>What is the minimum credit score?</strong>\r\nAll borrowers MUST have a minimum representative Credit Score of 640 when using an automated underwriting system.  See <a href=\"http://reidownpayment.org/wp/wp-content/uploads/2017/03/REI-Gift100-Program-Summary-17.03.20.pdf\" target=\"_blank\">Program Summary</a> for manual underwriting guidelines and alternative credit requirements.\r\n\r\n<strong>What is the Debt to Income (DTI) Ratio? </strong>\r\n<ul>\r\n 	<li>Determined by First Mortgage Program not to exceed 45% when underwritten through AUS (DU or LP).</li>\r\n 	<li>Manual Underwrite/Alternative Credit Score for AUS refer or No Fico maximum 36% with minimum 2 months PITI reserves after closing.</li>\r\n</ul>\r\n<strong>Does the borrower have to be a first-time homebuyer?</strong>\r\nNo, there is no first-time home buyer requirement.\r\n\r\n<strong>Does the borrower have to take a home buyer education class?</strong>\r\nHome buyer education is recommended, but not required.\r\n\r\n<strong>Are there income restrictions?</strong>\r\n<ul>\r\n 	<li>FHA &amp; VA - The borrower’s <strong>qualifying</strong> income must not exceed Program Income Limits. Click this link to see <a href=\"http://reidownpayment.org/wp/wp-content/uploads/2016/04/2016-Area-Median-Incomes-FHA-VA-HUD-184.pdf\" target=\"_blank\">Income Limits</a>.</li>\r\n 	<li>Rural Development Loans - Income is based on Adjusted Household Income per Rural Development’s Guidelines. Income limits can be found at the following link: <a href=\"http://www.rurdev.usda.gov/SupportDocuments/OK%20GRH.pdf\">http://www.rurdev.usda.gov/SupportDocuments/OK%20GRH.pdf</a></li>\r\n</ul>\r\n<strong>Lenders will be responsible for ensuring that the income meets program guidelines.</strong>\r\n\r\n<strong>Are Seller concessions allowed?</strong>\r\nYes, 6% seller concessions are allowed.\r\n\r\n<strong>Does the borrower have to pay back the gift?</strong>\r\nNo, the borrower is not required to pay back the gift upon sale or refinance, it is a true gift to the borrower.\r\n\r\n<strong>What are the lender compensation, fees, and purchase:</strong> Please review the <a href=\"http://reidownpayment.org/wp/wp-content/uploads/2017/03/REI-Gift100-Program-Summary-17.03.20.pdf\" target=\"_blank\">Program Summary</a> for compensation, loan fees, and purchase requirements.\r\n\r\n<strong>How long does the process take?</strong>\r\nLender’s should be able to close a loan in the same amount of time it takes to close a traditional mortgage loan.\r\n\r\n<strong>Can the borrower receive a gift for investment property?</strong>\r\nNo, the borrower must utilize the gift on their primary residence.\r\n<ul>\r\n 	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2017/03/REI-Gift100-Program-Summary-17.03.20.pdf\" target=\"_blank\">REI Gift100 Program Summary</a></li>\r\n 	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2016/04/2016-Area-Median-Incomes-FHA-VA-HUD-184.pdf\" target=\"_blank\">2016 Area Median Income - Gift100 Program</a></li>\r\n 	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2016/05/Government-Loan-Delivery-Checklist-2.12.16.pdf\" target=\"_blank\">Government Stacking Order</a></li>\r\n 	<li><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a></li>\r\n</ul>\r\n<strong>US Bank Forms &amp; Bulletins:</strong>\r\n<ul>\r\n 	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/05/USB-002-DPA-Form.pdf\" target=\"_blank\">US Bank Down Payment Assistance Form</a></li>\r\n</ul>', 'REI Gift100 Government Loan Program FAQ', '', 'inherit', 'closed', 'closed', '', '431-revision-v1', '', '', '2017-03-21 16:32:57', '2017-03-21 16:32:57', '', 431, 'http://reidownpayment.org/431-revision-v1/', 0, 'revision', '', 0),
(1709, 2, '2017-03-21 16:35:03', '2017-03-21 16:35:03', '<strong>What types of loan programs are available?</strong>\r\nWe offer a 30 year fixed rate loan with down payment assistance on the following loan products:\r\n<ul>\r\n 	<li><span style=\"color: green;\">Fannie Mae HFA Preferred up to 97% LTV</span></li>\r\n 	<li><span style=\"color: #2e86c1;\">Freddie Mac HFA Advantage up to 97% LTV</span></li>\r\n 	<li>Rate/term refinance on any of the above loan products.</li>\r\n</ul>\r\n<strong>How do I become a lender?</strong>\r\nLenders must be approved by U.S. Bank HFA Division to participate in the REI Gift100 Program.  US Bank serves as the Master Servicer and purchases the loans associated with the Gift100 Program.  Interested lenders should contact:\r\n\r\nDena Sherrill, Housing Program Manager at <a href=\"mailto:dsherrill@reiok.org\">dsherrill@reiok.org</a>\r\nJeremy 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>What are the first mortgage interest rates?</strong>\r\nREI 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.  An extension can be purchased if needed. Please see <a href=\"http://reidownpayment.org/wp/wp-content/uploads/2017/03/REI-Gift100-Conventional-Program-Summary-17.03.20.pdf\" target=\"_blank\">Program Summary</a> for details.\r\n\r\n<strong>How does DPA work?</strong>\r\nThe down payment assistance is in the form of a gift and is based on a percentage of the total first mortgage loan amount.\r\n<ul>\r\n 	<li>Amount of assistance is 3.5% or 5.0% of total first mortgage loan amount (determined by the lender).</li>\r\n 	<li>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, single or split MI fees 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 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.</li>\r\n 	<li>REI will table fund the Gift Funds at closing<strong>\r\n</strong></li>\r\n</ul>\r\n<strong>What is the minimum credit score?</strong>\r\nAll borrowers MUST have a minimum representative Credit Score of 640 when using an automated underwriting system.  See <a href=\"http://reidownpayment.org/wp/wp-content/uploads/2017/03/REI-Gift100-Conventional-Program-Summary-17.03.20.pdf\" target=\"_blank\">Program Summary</a> for manual underwriting guidelines and alternative credit requirements.\r\n\r\n<strong>What is the Debt to Income (DTI) Ratio? </strong>\r\n<ul>\r\n 	<li>Determined by First Mortgage Program not to exceed 50% when underwritten through AUS (DU or LP).</li>\r\n 	<li>Manual Underwrite/Alternative Credit Score for AUS refer or No Fico maximum 36% with minimum 2 months PITI reserves after closing. Refer to <a href=\"http://reidownpayment.org/wp/wp-content/uploads/2017/03/REI-Gift100-Conventional-Program-Summary-17.03.20.pdf\" target=\"_blank\">Program Summary</a> for more details.</li>\r\n</ul>\r\n<strong>What are the underwriting guidelines?</strong>\r\n<span style=\"color: green;\">Fannie Mae HFA Preferred</span> and <span style=\"color: #2e86c1;\">Freddie Mac HFA Advantage</span> have slightly different underwriting guidelines. Please see the <a href=\"http://reidownpayment.org/wp/wp-content/uploads/2017/03/REI-Gift100-Conventional-Program-Summary-17.03.20.pdf\" target=\"_blank\">Program Summary</a> for detailed information.\r\n\r\n<strong>Does the borrower have to be a first-time homebuyer?</strong>\r\nNo, there is no first-time home buyer requirement.  See <a href=\"http://reidownpayment.org/wp/wp-content/uploads/2017/03/REI-Gift100-Conventional-Program-Summary-17.03.20.pdf\" target=\"_blank\">Program Summary</a> for more detailed borrower eligibility guidelines per program.\r\n\r\n<strong>Are there income restrictions?</strong>\r\nThe borrower’s <strong>qualifying</strong> income must not exceed Program Income Limits.  Click this link to see <a href=\"http://reidownpayment.org/wp/wp-content/uploads/2016/04/2016-Area-Median-Incomes-Conventional.pdf\" target=\"_blank\">Income Limits</a>.\r\n<strong>Lenders will be responsible for ensuring that the income meets program guidelines.</strong>\r\n\r\n<strong>Does the borrower have to take a home buyer education class?</strong>\r\nRequired if all borrowers are first-time home buyers, at least one borrower must complete pre-purchase home buyer education and counseling.  The online course listed below is an acceptable course as is an on-line MI company, and/or an OHEA Certified or HUD certified counselors.\r\n<p style=\"text-align: left;\">REI has been approved to provide Homebuyer Education through EHome America, please click on the following link to take the online course. The cost is $99.00.</p>\r\n<p style=\"text-align: center;\"><a href=\"http://www.ehomeamerica.org/reiok\" target=\"_blank\">www.ehomeamerica.org/reiok</a></p>\r\n<strong>Which Mortgage Insurance (MI) companies participate in the program?</strong>\r\n<ul>\r\n 	<li>Arch</li>\r\n 	<li>Essent</li>\r\n 	<li>Genworth</li>\r\n 	<li>MGIC</li>\r\n 	<li>National MI</li>\r\n 	<li>Radian</li>\r\n</ul>\r\n<strong>What is the 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> What are the MI Payment Options?</strong>\r\n<ul>\r\n 	<li>Borrower Paid – monthly with annual renewal</li>\r\n 	<li>Split Premium</li>\r\n 	<li>Single Premium</li>\r\n</ul>\r\n<strong>****Base loan plus financed MI cannot exceed 97% LTV.****</strong>\r\n\r\n<strong> Are Seller concessions allowed?</strong>\r\n<ul>\r\n 	<li>3% Maximum for CLTV Greater than 90%</li>\r\n 	<li>6% maximum of CLTV less than or equal to 90%.</li>\r\n</ul>\r\nMay be used for closing costs and/or single or split MI premiums\r\n\r\n<strong>Does the borrower have to pay back the gift?</strong>\r\nNo, the borrower is not required to pay back the gift upon sale or refinance, it is a true gift to the borrower.\r\n\r\n<strong>What are the lender compensation, fees, and purchase:</strong> Please review the <a href=\"http://reidownpayment.org/wp/wp-content/uploads/2017/03/REI-Gift100-Conventional-Program-Summary-17.03.20.pdf\" target=\"_blank\">Program Summary</a> for compensation, loan fees, and purchase requirements.\r\n\r\n<strong>How long does the process take?</strong>\r\nLender’s should be able to close a loan in the same amount of time it takes to close a traditional mortgage loan.\r\n\r\n<strong>Can the borrower receive a gift for investment property?</strong>\r\nNo, the borrower must utilize the gift on their primary residence.\r\n<ul>\r\n 	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2017/03/REI-Gift100-Conventional-Program-Summary-17.03.20.pdf\" target=\"_blank\">Program Summary</a></li>\r\n 	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2016/04/2016-Area-Median-Incomes-Conventional.pdf\" target=\"_blank\">Income Limits</a></li>\r\n 	<li><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a></li>\r\n</ul>', 'REI Gift100 Conventional Loan Program FAQ', '', 'inherit', 'closed', 'closed', '', '217-revision-v1', '', '', '2017-03-21 16:35:03', '2017-03-21 16:35:03', '', 217, 'http://reidownpayment.org/217-revision-v1/', 0, 'revision', '', 0),
(1710, 2, '2017-03-21 16:38:07', '2017-03-21 16:38:07', '<strong>What type of loan programs are offered with the gift?</strong>\r\n<ul>\r\n 	<li>FHA</li>\r\n 	<li>VA</li>\r\n 	<li>Rural Development</li>\r\n 	<li>Fannie Mae HFA Preferred</li>\r\n 	<li>Freddie Mac HFA Advantage\r\nRate/term refinance on any of the above loan products.</li>\r\n</ul>\r\n<strong>How does DPA work?</strong>\r\nThe down payment assistance is in the form of a gift and is based on a percentage of the total first mortgage loan amount. Amount of assistance is 3.5% or 5.0% of total first mortgage loan amount (determined by the lender).\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, single or split MI fees 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 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\r\n<strong>Do I have to pay back any portion of the down payment assistance?</strong>\r\nNo, the borrower is not required to pay back the gift upon sale or refinance, it is a true gift to the borrower.\r\n\r\n<strong>Am I required to stay in the home for any minimum number of years?</strong>\r\nNo, you are not required to stay in the home for any period of time.  However, we do not allow the program to be used for borrowers wanting to “flip” homes.\r\n\r\n<strong>What are the first mortgage interest rates?</strong>\r\nREI Down Payment Assistance will post First Mortgage interest rates by 9:00 a.m. C.S.T. daily.  Please note that as a result of the gift, the interest rate on the first mortgage loan will be higher than a first mortgage loan that does not include the gift.\r\n\r\n<strong>What is the minimum credit score?</strong>\r\nAll borrowers MUST have a minimum representative Credit Score of 640 with a maximum DTI of 45%.\r\n\r\n<strong>What is DTI?</strong>\r\nDTI stands for debt-to-income ratio, also referred to as back-end ratio.  It shows how much of your gross monthly income is needed to cover all your debt obligations.  Follow these steps to determine your approximate DTI:\r\n<ol>\r\n 	<li>Add up all of your debt (including your mortgage, car loans, child support and alimony, credit cards, student loans, etc.)</li>\r\n 	<li>Divide this amount by your monthly gross income.</li>\r\n 	<li>Then multiply this amount by 100. This percentage is your DTI.</li>\r\n</ol>\r\nPlease keep in mind that you must meet specific underwriting standards.  The mortgage lender can help you better understand FICO credit score and maximum back-end ratio requirements, as well as any other standards that may apply.\r\n\r\n<strong>Do I have to be a first-time homebuyer?</strong>\r\nNo, there is no first-time home buyer requirement.\r\n\r\n<strong>Are there income restrictions?</strong>\r\nThe borrower’s <strong>qualifying</strong> income must not exceed Program Income Limits.  Click these links to view <a href=\"http://reidownpayment.org/wp/wp-content/uploads/2016/04/2016-Area-Median-Incomes-FHA-VA-HUD-184.pdf\" target=\"_blank\">Government Income Limits</a> (FHA, VA, HUD 184 and Rural Development loans) and <a href=\"http://reidownpayment.org/wp/wp-content/uploads/2016/04/2016-Area-Median-Incomes-Conventional.pdf\" target=\"_blank\">Conventional Income Limits</a> (Fannie Mae HFA Preferred and Freddie Mac HFA Advantage.  The conventional product has substantially higher income limits.\r\n\r\n<strong>Does the borrower have to take a home buyer education class?</strong>\r\n<strong>FHA, HUD 184, VA, &amp; Rural Development Loans:</strong>  Home buyer education is recommended, but not required.\r\n\r\n<strong>Fannie Mae HFA Preferred and Freddie Mac HFA Advantage:</strong>  Required if all borrowers are first-time home buyers, at least one borrower must complete pre-purchase home buyer education and counseling.  The online course listed below is an acceptable course as is an on-line MI company, and/or an OHEA Certified or HUD certified counselors.\r\n\r\nREI has been approved to provide Homebuyer Education through EHome America, please click on the following link to take the online course. The cost is $99.00.\r\n<p style=\"text-align: center;\"><a href=\"http://www.ehomeamerica.org/reiok\">www.ehomeamerica.org/reiok</a></p>\r\n<strong>Can the Seller help me pay closing costs?</strong>\r\n<strong>Government Programs (FHA, VA, HUD184 &amp; Rural Development):</strong>\r\n<ul>\r\n 	<li>Yes, 6% seller concessions are allowed.</li>\r\n</ul>\r\n<strong>Fannie Mae HFA Preferred &amp; Freddie Mac HFA Advantage:</strong>\r\n<ul>\r\n 	<li>Yes, 3% Maximum for CLTV Greater than 90%</li>\r\n 	<li>6% maximum of CLTV less than or equal to 90%.</li>\r\n</ul>\r\nMay be used for closing costs and/or single or split MI premiums\r\n\r\n<strong>What is the difference between closing costs and required down payment?</strong>\r\nClosing costs are fees associated with the cost of obtaining a home loan. These fees include items such as the appraisal, lender origination fees, escrow handling charges, wire transfer fees, discount points, lender’s title insurance and prepaid taxes and insurance premiums.\r\n\r\nThe down payment for a home is applied directly toward lowering your total loan amount.  Normally based on a percentage of the total sales price, the amount is established by the agency loan program that the lender has chosen for your loan.\r\n\r\n<strong>How long does the process take?</strong>\r\nLender’s should be able to close a loan in the same amount of time it takes to close a traditional mortgage loan.\r\n\r\n<strong>Can I receive a gift for investment property or a second home?</strong>\r\nNo, the borrower must utilize the gift on their primary residence.\r\n\r\n<strong>How do I apply for the Gift?</strong>\r\nTake a look at the <a href=\"http://reidownpayment.org/wp/wp-content/uploads/2016/09/REI-DPA-Steps-to-Buying-a-Home.pdf\" target=\"_blank\">10 Steps to Homeownership</a> and contact one of our <a href=\"http://reidownpayment.org/find-a-lender/\" target=\"_blank\">Participating Lenders</a>.\r\n\r\n<strong>How do I find a lender?</strong>\r\n<a href=\"http://reidownpayment.org/find-a-lender/\" target=\"_blank\">Click here to access lender list</a>.  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>.', 'Home Buyer FAQ', '', 'inherit', 'closed', 'closed', '', '1518-revision-v1', '', '', '2017-03-21 16:38:07', '2017-03-21 16:38:07', '', 1518, 'http://reidownpayment.org/1518-revision-v1/', 0, 'revision', '', 0),
(1711, 2, '2017-03-22 14:56:25', '2017-03-22 14:56:25', '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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-03-22 14:56:25', '2017-03-22 14:56:25', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1712, 2, '2017-03-23 14:42:21', '2017-03-23 14:42:21', '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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-03-23 14:42:21', '2017-03-23 14:42:21', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1731, 1, '2017-03-23 14:59:53', '2017-03-23 14:59:53', '<a href=\"http://reidownpayment.org/find-a-lender/\" target=\"_blank\" rel=\"noopener\">Click here to access lender list</a>.  You may use the REI Home100 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 Director of Housing at 800-658-2823 or <a href=\"mailto:dsherrill@reiok.org\">dsherrill@reiok.org</a>.', 'How do I find a lender?', '', 'publish', 'open', 'closed', '', 'how-do-i-find-a-lender', '', '', '2020-01-02 14:39:12', '2020-01-02 14:39:12', '', 0, 'http://reidownpayment.org/?post_type=hs_faq&#038;p=1731', 33, 'hs_faq', '', 0),
(1732, 1, '2017-03-23 15:00:12', '2017-03-23 15:00:12', 'Take a look at the <a href=\"http://reidownpayment.org/wp/wp-content/uploads/2016/09/REI-DPA-Steps-to-Buying-a-Home.pdf\" target=\"_blank\" rel=\"noopener\">10 Steps to Homeownership</a> and contact one of our <a href=\"http://reidownpayment.org/find-a-lender/\" target=\"_blank\" rel=\"noopener\">Participating Lenders</a>.', 'How do I apply for the assistance?', '', 'publish', 'open', 'closed', '', 'how-do-i-apply-for-the-gift', '', '', '2020-01-02 14:38:33', '2020-01-02 14:38:33', '', 0, 'http://reidownpayment.org/?post_type=hs_faq&#038;p=1732', 32, 'hs_faq', '', 0),
(1733, 1, '2017-03-23 15:00:22', '2017-03-23 15:00:22', 'No, the borrower must utilize the assistance on their primary residence.', 'Can I receive assistance for investment property or a second home?', '', 'publish', 'open', 'closed', '', 'can-receive-gift-investment-property-second-home', '', '', '2020-01-02 14:38:01', '2020-01-02 14:38:01', '', 0, 'http://reidownpayment.org/?post_type=hs_faq&#038;p=1733', 31, 'hs_faq', '', 0),
(1734, 1, '2017-03-23 15:00:39', '2017-03-23 15:00:39', 'Lenders should be able to close a loan in the same amount of time it takes to close a traditional mortgage loan.', 'How long does the process take?', '', 'publish', 'open', 'closed', '', 'long-process-take', '', '', '2020-01-02 14:37:11', '2020-01-02 14:37:11', '', 0, 'http://reidownpayment.org/?post_type=hs_faq&#038;p=1734', 30, 'hs_faq', '', 0),
(1735, 1, '2017-03-23 15:00:57', '2017-03-23 15:00:57', 'Closing costs are fees associated with the cost of obtaining a home loan. These fees include items such as the appraisal, lender origination fees, escrow handling charges, wire transfer fees, discount points, lender’s title insurance and prepaid taxes and insurance premiums.\r\n\r\nThe down payment for a home is applied directly toward lowering your total loan amount.  Normally based on a percentage of the total sales price, the amount is established by the agency loan program that the lender has chosen for your loan.', 'What is the difference between closing costs and required down payment?', '', 'publish', 'open', 'closed', '', 'difference-closing-costs-required-payment', '', '', '2017-04-25 15:15:19', '2017-04-25 15:15:19', '', 0, 'http://reidownpayment.org/?post_type=hs_faq&#038;p=1735', 29, 'hs_faq', '', 0),
(1736, 1, '2017-03-23 15:01:13', '2017-03-23 15:01:13', '<strong>Government Programs (FHA, VA, &amp; Rural Development):</strong>\r\n<ul>\r\n 	<li>Yes, 6% seller concessions are allowed.</li>\r\n</ul>\r\n<strong>Fannie Mae HFA Preferred &amp; Freddie Mac HFA Advantage:</strong>\r\n<ul>\r\n 	<li>Yes, 3% maximum for CLTV greater than 90%</li>\r\n 	<li>6% maximum for CLTV less than or equal to 90%.</li>\r\n</ul>\r\nMay be used for closing costs and/or single or split MI premiums', 'Can the Seller help me pay closing costs?', '', 'publish', 'open', 'closed', '', 'can-seller-help-pay-closing-costs', '', '', '2020-01-02 14:36:04', '2020-01-02 14:36:04', '', 0, 'http://reidownpayment.org/?post_type=hs_faq&#038;p=1736', 28, 'hs_faq', '', 0),
(1737, 1, '2017-03-23 15:01:30', '2017-03-23 15:01:30', '<strong>FHA, VA, &amp; Rural Development Loans:</strong>  Home buyer education is recommended, but not required.\r\n\r\n<strong>Fannie Mae HFA Preferred and Freddie Mac HFA Advantage:</strong>  Required if all borrowers are first-time home buyers, at least one borrower must complete pre-purchase home buyer education and counseling.  The online course listed below is an acceptable course as is an on-line MI company, and/or an OHEA Certified or HUD certified counselors.\r\n\r\nWhen borrowers have successfully completed the course, a Certificate of Completion will be available to print.\r\n\r\nRegister At <a href=\"http://www.ehomeamerica.org/reiok\">www.ehomeamerica.org/reiok</a>', 'Does the borrower have to take a home buyer education class?', '', 'publish', 'open', 'closed', '', 'borrower-take-home-buyer-education-class', '', '', '2018-04-09 16:06:11', '2018-04-09 16:06:11', '', 0, 'http://reidownpayment.org/?post_type=hs_faq&#038;p=1737', 27, 'hs_faq', '', 0),
(1738, 1, '2017-03-23 15:01:44', '2017-03-23 15:01:44', 'The borrower’s <strong>qualifying</strong> income must not exceed Program Income Limits.  Click these links to view <a href=\"https://reidownpayment.org/wp/wp-content/uploads/2021/06/2021-Area-Median-Incomes-FHA-VA.pdf\">FHA &amp; VA Income Limits</a>, <a href=\"https://www.rd.usda.gov/files/RD-GRHLimitMap.pdf\">USDA Rural Development Income Limits</a>, <a href=\"https://reidownpayment.org/wp/wp-content/uploads/2021/06/2021-Area-Median-Incomes-Conventional-Fannie-and-Freddie-At-or-Below-80-AMI.pdf\">Fannie and Freddie Conventional At or Below 80% AMI Income Limits</a>, or <a href=\"https://reidownpayment.org/wp/wp-content/uploads/2021/06/2021-Area-Median-Incomes-Conventional-Freddie-Mac-Over-80-AMI.pdf\">Freddie Mac Over 80% AMI Limits</a>.', 'Are there income restrictions?', '', 'publish', 'open', 'closed', '', 'are-there-income-restrictions', '', '', '2021-06-04 15:59:28', '2021-06-04 15:59:28', '', 0, 'http://reidownpayment.org/?post_type=hs_faq&#038;p=1738', 26, 'hs_faq', '', 0),
(1739, 1, '2017-03-23 15:01:57', '2017-03-23 15:01:57', 'No, there is no first-time home buyer requirement.', 'Do I have to be a first-time homebuyer?', '', 'publish', 'open', 'closed', '', 'first-time-homebuyer', '', '', '2017-04-25 15:15:00', '2017-04-25 15:15:00', '', 0, 'http://reidownpayment.org/?post_type=hs_faq&#038;p=1739', 25, 'hs_faq', '', 0),
(1740, 1, '2017-03-23 15:02:12', '2017-03-23 15:02:12', 'DTI stands for debt-to-income ratio, also referred to as back-end ratio.  It shows how much of your gross monthly income is needed to cover all your debt obligations.  Follow these steps to determine your approximate DTI:\r\n<ul>\r\n 	<li>Add up all of your monthly debt payments (including your mortgage, car loans, child support and alimony, credit cards, student loans, etc.)</li>\r\n 	<li>Divide this amount by your gross monthly income.</li>\r\n 	<li>Then multiply this amount by 100. This percentage is your DTI.</li>\r\n</ul>\r\nPlease keep in mind that you must meet specific underwriting standards.  The participating mortgage lender can help you better understand FICO credit score and maximum back-end ratio requirements, as well as any other standards that may apply.', 'What is DTI?', '', 'publish', 'open', 'closed', '', 'what-is-dti', '', '', '2020-01-02 14:34:41', '2020-01-02 14:34:41', '', 0, 'http://reidownpayment.org/?post_type=hs_faq&#038;p=1740', 24, 'hs_faq', '', 0),
(1741, 1, '2017-03-23 15:02:26', '2017-03-23 15:02:26', 'All borrowers MUST have a minimum representative Credit Score of 640 with a maximum DTI of 45%.', 'What is the minimum credit score?', '', 'publish', 'open', 'closed', '', 'minimum-credit-score', '', '', '2017-04-25 15:14:51', '2017-04-25 15:14:51', '', 0, 'http://reidownpayment.org/?post_type=hs_faq&#038;p=1741', 23, 'hs_faq', '', 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
(1742, 1, '2017-03-23 15:02:39', '2017-03-23 15:02:39', 'The interest rates for the REI Home100 Program are set daily.  For more information  about interest rates on a specific day, please contact a participating mortgage lender by visiting our Find A Lender page for Borrowers.\r\n\r\nPlease note that as a result of the assistance, the interest rate on the first mortgage loan will be higher than a first mortgage loan that does not include the assistance.', 'What are the first mortgage interest rates?', '', 'publish', 'open', 'closed', '', 'first-mortgage-interest-rates', '', '', '2020-01-02 14:32:44', '2020-01-02 14:32:44', '', 0, 'http://reidownpayment.org/?post_type=hs_faq&#038;p=1742', 22, 'hs_faq', '', 0),
(1743, 1, '2017-03-23 15:02:52', '2017-03-23 15:02:52', 'If you receive assistance in conjunction with an FHA, VA, Rural Development, or Freddie Mac HFA Advantage loan, the assistance is in the form of a gift and you will not be required to stay in the home a minimum number of years.\r\n\r\nIf you receive assistance in conjunction with a Fannie Mae HFA Preferred loan, the assistance is in the form of a 7-year forgivable second mortgage.  The second mortgage loan principal will be forgiven 1/84th each month, beginning with the first full month after closing.  There is no forgiveness for partial months.  The outstanding principal of the second mortgage loan will be due and payable in any of the following instances that occur before the end of the 7-year forgiveness period:\r\n<ul>\r\n 	<li>The sale, disposition, or transfer of the property</li>\r\n 	<li>The refinancing or payment in full of the first mortgage loan</li>\r\n 	<li>Failure to occupy the property as principal residence for a period of more than sixty (60) days</li>\r\n 	<li>Upon acceleration of the first mortgage loan or second mortgage loan for any reason</li>\r\n</ul>', 'Am I required to stay in the home for any minimum number of years?', '', 'publish', 'open', 'closed', '', 'required-stay-home-minimum-number-years', '', '', '2019-12-31 22:17:16', '2019-12-31 22:17:16', '', 0, 'http://reidownpayment.org/?post_type=hs_faq&#038;p=1743', 21, 'hs_faq', '', 0),
(1744, 1, '2017-03-23 15:03:04', '2017-03-23 15:03:04', 'If you receive assistance in conjunction with an FHA, VA, Rural Development, or Freddie Mac HFA Advantage loan, the assistance is in the form of a gift and you will not have to pay back any portion of the assistance.\r\n\r\nIf you receive assistance in conjunction with a Fannie Mae HFA Preferred loan, the assistance is in the form of a 7-year forgivable second mortgage.  The second mortgage loan principal will be forgiven 1/84th each month, beginning with the first full month after closing.  There is no forgiveness for partial months.  The outstanding principal of the second mortgage loan will be due and payable in any of the following instances that occur before the end of the 7-year forgiveness period:\r\n<ul>\r\n 	<li>The sale, disposition, or transfer of the property</li>\r\n 	<li>The refinancing or payment in full of the first mortgage loan</li>\r\n 	<li>Failure to occupy the property as principal residence for a period of more than sixty (60) days</li>\r\n 	<li>Upon acceleration of the first mortgage loan or second mortgage loan for any reason</li>\r\n</ul>', 'Do I have to pay back any portion of the down payment assistance?', '', 'publish', 'open', 'closed', '', 'pay-back-portion-payment-assistance', '', '', '2019-12-31 22:02:09', '2019-12-31 22:02:09', '', 0, 'http://reidownpayment.org/?post_type=hs_faq&#038;p=1744', 20, 'hs_faq', '', 0),
(1745, 1, '2017-03-23 15:03:22', '2017-03-23 15:03:22', 'The down payment assistance is based on a percentage of the total first mortgage loan amount. The amount of assistance is 0%, 3.5%, 4.0%, or 5.0% of total first mortgage loan amount.  The type and percentage of the assistance provided depends upon the first mortgage loan type.\r\n\r\nThe assistance provided with a Fannie Mae HFA Preferred conventional loan is in the form of a 7-year forgivable second mortgage, which forgives 1/84th each full month the borrower lives in the property after the loan closes.  The borrower can receive 0%, 3.5%, 4.0%, or 5.0% of the total first mortgage loan amount in assistance funds in conjunction with the Fannie Mae HFA Preferred.\r\n\r\nThe assistance provided with FHA, VA, Rural Development, and Freddie Mac HFA Advantage loan is in the form of a gift that does not have to be repaid.  The borrower can receive 3.5% or 4.0% of the total first mortgage loan amount in assistance funds with FHA, VA, and Rural Development, or 0%, 3.5%, or 4.0% with the Freddie Mac HFA Advantage loan.\r\n<p style=\"text-align: left;\">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, single or split MI fees and other related mortgage loan fees and expenses.  No portion of the assistance funds can be paid to the borrower unless the borrower is being reimbursed for his/her earnest money deposit and pre-paid expenses to the extent the minimum borrower contribution has been satisfied.</p>', 'How does DPA work?', '', 'publish', 'open', 'closed', '', 'how-does-dpa-work', '', '', '2021-08-18 20:44:37', '2021-08-18 20:44:37', '', 0, 'http://reidownpayment.org/?post_type=hs_faq&#038;p=1745', 19, 'hs_faq', '', 0),
(1746, 1, '2017-03-23 15:03:45', '2017-03-23 15:03:45', '<ul>\r\n 	<li>FHA</li>\r\n 	<li>VA</li>\r\n 	<li>Rural Development</li>\r\n 	<li>Fannie Mae HFA Preferred</li>\r\n 	<li>Freddie Mac HFA Advantage</li>\r\n</ul>\r\nAll loans are 30-year, fixed rate mortgages.\r\nRate/term refinance on any of the above loan products.', 'What type of loan programs are offered with the assistance?', '', 'publish', 'open', 'closed', '', 'type-loan-programs-offered-gift', '', '', '2019-12-31 14:33:21', '2019-12-31 14:33:21', '', 0, 'http://reidownpayment.org/?post_type=hs_faq&#038;p=1746', 18, 'hs_faq', '', 0),
(1747, 1, '2017-03-23 15:04:36', '2017-03-23 15:04:36', '[hs-faq limit=\"-1\"]\r\n\r\n&nbsp;\r\n\r\n<strong>What type of loan programs are offered with the gift?</strong>\r\n<ul>\r\n 	<li>FHA</li>\r\n 	<li>VA</li>\r\n 	<li>Rural Development</li>\r\n 	<li>Fannie Mae HFA Preferred</li>\r\n 	<li>Freddie Mac HFA Advantage\r\nRate/term refinance on any of the above loan products.</li>\r\n</ul>\r\n<strong>How does DPA work?</strong>\r\nThe down payment assistance is in the form of a gift and is based on a percentage of the total first mortgage loan amount. Amount of assistance is 3.5% or 5.0% of total first mortgage loan amount (determined by the lender).\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, single or split MI fees 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 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\r\n<strong>Do I have to pay back any portion of the down payment assistance?</strong>\r\nNo, the borrower is not required to pay back the gift upon sale or refinance, it is a true gift to the borrower.\r\n\r\n<strong>Am I required to stay in the home for any minimum number of years?</strong>\r\nNo, you are not required to stay in the home for any period of time.  However, we do not allow the program to be used for borrowers wanting to “flip” homes.\r\n\r\n<strong>What are the first mortgage interest rates?</strong>\r\nREI Down Payment Assistance will post First Mortgage interest rates by 9:00 a.m. C.S.T. daily.  Please note that as a result of the gift, the interest rate on the first mortgage loan will be higher than a first mortgage loan that does not include the gift.\r\n\r\n<strong>What is the minimum credit score?</strong>\r\nAll borrowers MUST have a minimum representative Credit Score of 640 with a maximum DTI of 45%.\r\n\r\n<strong>What is DTI?</strong>\r\nDTI stands for debt-to-income ratio, also referred to as back-end ratio.  It shows how much of your gross monthly income is needed to cover all your debt obligations.  Follow these steps to determine your approximate DTI:\r\n<ol>\r\n 	<li>Add up all of your debt (including your mortgage, car loans, child support and alimony, credit cards, student loans, etc.)</li>\r\n 	<li>Divide this amount by your monthly gross income.</li>\r\n 	<li>Then multiply this amount by 100. This percentage is your DTI.</li>\r\n</ol>\r\nPlease keep in mind that you must meet specific underwriting standards.  The mortgage lender can help you better understand FICO credit score and maximum back-end ratio requirements, as well as any other standards that may apply.\r\n\r\n<strong>Do I have to be a first-time homebuyer?</strong>\r\nNo, there is no first-time home buyer requirement.\r\n\r\n<strong>Are there income restrictions?</strong>\r\nThe borrower’s <strong>qualifying</strong> income must not exceed Program Income Limits.  Click these links to view <a href=\"http://reidownpayment.org/wp/wp-content/uploads/2016/04/2016-Area-Median-Incomes-FHA-VA-HUD-184.pdf\" target=\"_blank\">Government Income Limits</a> (FHA, VA, HUD 184 and Rural Development loans) and <a href=\"http://reidownpayment.org/wp/wp-content/uploads/2016/04/2016-Area-Median-Incomes-Conventional.pdf\" target=\"_blank\">Conventional Income Limits</a> (Fannie Mae HFA Preferred and Freddie Mac HFA Advantage.  The conventional product has substantially higher income limits.\r\n\r\n<strong>Does the borrower have to take a home buyer education class?</strong>\r\n<strong>FHA, HUD 184, VA, &amp; Rural Development Loans:</strong>  Home buyer education is recommended, but not required.\r\n\r\n<strong>Fannie Mae HFA Preferred and Freddie Mac HFA Advantage:</strong>  Required if all borrowers are first-time home buyers, at least one borrower must complete pre-purchase home buyer education and counseling.  The online course listed below is an acceptable course as is an on-line MI company, and/or an OHEA Certified or HUD certified counselors.\r\n\r\nREI has been approved to provide Homebuyer Education through EHome America, please click on the following link to take the online course. The cost is $99.00.\r\n<p style=\"text-align: center;\"><a href=\"http://www.ehomeamerica.org/reiok\">www.ehomeamerica.org/reiok</a></p>\r\n<strong>Can the Seller help me pay closing costs?</strong>\r\n<strong>Government Programs (FHA, VA, HUD184 &amp; Rural Development):</strong>\r\n<ul>\r\n 	<li>Yes, 6% seller concessions are allowed.</li>\r\n</ul>\r\n<strong>Fannie Mae HFA Preferred &amp; Freddie Mac HFA Advantage:</strong>\r\n<ul>\r\n 	<li>Yes, 3% Maximum for CLTV Greater than 90%</li>\r\n 	<li>6% maximum of CLTV less than or equal to 90%.</li>\r\n</ul>\r\nMay be used for closing costs and/or single or split MI premiums\r\n\r\n<strong>What is the difference between closing costs and required down payment?</strong>\r\nClosing costs are fees associated with the cost of obtaining a home loan. These fees include items such as the appraisal, lender origination fees, escrow handling charges, wire transfer fees, discount points, lender’s title insurance and prepaid taxes and insurance premiums.\r\n\r\nThe down payment for a home is applied directly toward lowering your total loan amount.  Normally based on a percentage of the total sales price, the amount is established by the agency loan program that the lender has chosen for your loan.\r\n\r\n<strong>How long does the process take?</strong>\r\nLender’s should be able to close a loan in the same amount of time it takes to close a traditional mortgage loan.\r\n\r\n<strong>Can I receive a gift for investment property or a second home?</strong>\r\nNo, the borrower must utilize the gift on their primary residence.\r\n\r\n<strong>How do I apply for the Gift?</strong>\r\nTake a look at the <a href=\"http://reidownpayment.org/wp/wp-content/uploads/2016/09/REI-DPA-Steps-to-Buying-a-Home.pdf\" target=\"_blank\">10 Steps to Homeownership</a> and contact one of our <a href=\"http://reidownpayment.org/find-a-lender/\" target=\"_blank\">Participating Lenders</a>.\r\n\r\n<strong>How do I find a lender?</strong>\r\n<a href=\"http://reidownpayment.org/find-a-lender/\" target=\"_blank\">Click here to access lender list</a>.  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>.', 'Home Buyer FAQ', '', 'inherit', 'closed', 'closed', '', '1518-revision-v1', '', '', '2017-03-23 15:04:36', '2017-03-23 15:04:36', '', 1518, 'http://reidownpayment.org/1518-revision-v1/', 0, 'revision', '', 0),
(1748, 1, '2017-03-23 15:04:48', '2017-03-23 15:04:48', '&nbsp;\r\n\r\n&nbsp;\r\n\r\n<strong>What type of loan programs are offered with the gift?</strong>\r\n<ul>\r\n 	<li>FHA</li>\r\n 	<li>VA</li>\r\n 	<li>Rural Development</li>\r\n 	<li>Fannie Mae HFA Preferred</li>\r\n 	<li>Freddie Mac HFA Advantage\r\nRate/term refinance on any of the above loan products.</li>\r\n</ul>\r\n<strong>How does DPA work?</strong>\r\nThe down payment assistance is in the form of a gift and is based on a percentage of the total first mortgage loan amount. Amount of assistance is 3.5% or 5.0% of total first mortgage loan amount (determined by the lender).\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, single or split MI fees 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 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\r\n<strong>Do I have to pay back any portion of the down payment assistance?</strong>\r\nNo, the borrower is not required to pay back the gift upon sale or refinance, it is a true gift to the borrower.\r\n\r\n<strong>Am I required to stay in the home for any minimum number of years?</strong>\r\nNo, you are not required to stay in the home for any period of time.  However, we do not allow the program to be used for borrowers wanting to “flip” homes.\r\n\r\n<strong>What are the first mortgage interest rates?</strong>\r\nREI Down Payment Assistance will post First Mortgage interest rates by 9:00 a.m. C.S.T. daily.  Please note that as a result of the gift, the interest rate on the first mortgage loan will be higher than a first mortgage loan that does not include the gift.\r\n\r\n<strong>What is the minimum credit score?</strong>\r\nAll borrowers MUST have a minimum representative Credit Score of 640 with a maximum DTI of 45%.\r\n\r\n<strong>What is DTI?</strong>\r\nDTI stands for debt-to-income ratio, also referred to as back-end ratio.  It shows how much of your gross monthly income is needed to cover all your debt obligations.  Follow these steps to determine your approximate DTI:\r\n<ol>\r\n 	<li>Add up all of your debt (including your mortgage, car loans, child support and alimony, credit cards, student loans, etc.)</li>\r\n 	<li>Divide this amount by your monthly gross income.</li>\r\n 	<li>Then multiply this amount by 100. This percentage is your DTI.</li>\r\n</ol>\r\nPlease keep in mind that you must meet specific underwriting standards.  The mortgage lender can help you better understand FICO credit score and maximum back-end ratio requirements, as well as any other standards that may apply.\r\n\r\n<strong>Do I have to be a first-time homebuyer?</strong>\r\nNo, there is no first-time home buyer requirement.\r\n\r\n<strong>Are there income restrictions?</strong>\r\nThe borrower’s <strong>qualifying</strong> income must not exceed Program Income Limits.  Click these links to view <a href=\"http://reidownpayment.org/wp/wp-content/uploads/2016/04/2016-Area-Median-Incomes-FHA-VA-HUD-184.pdf\" target=\"_blank\">Government Income Limits</a> (FHA, VA, HUD 184 and Rural Development loans) and <a href=\"http://reidownpayment.org/wp/wp-content/uploads/2016/04/2016-Area-Median-Incomes-Conventional.pdf\" target=\"_blank\">Conventional Income Limits</a> (Fannie Mae HFA Preferred and Freddie Mac HFA Advantage.  The conventional product has substantially higher income limits.\r\n\r\n<strong>Does the borrower have to take a home buyer education class?</strong>\r\n<strong>FHA, HUD 184, VA, &amp; Rural Development Loans:</strong>  Home buyer education is recommended, but not required.\r\n\r\n<strong>Fannie Mae HFA Preferred and Freddie Mac HFA Advantage:</strong>  Required if all borrowers are first-time home buyers, at least one borrower must complete pre-purchase home buyer education and counseling.  The online course listed below is an acceptable course as is an on-line MI company, and/or an OHEA Certified or HUD certified counselors.\r\n\r\nREI has been approved to provide Homebuyer Education through EHome America, please click on the following link to take the online course. The cost is $99.00.\r\n<p style=\"text-align: center;\"><a href=\"http://www.ehomeamerica.org/reiok\">www.ehomeamerica.org/reiok</a></p>\r\n<strong>Can the Seller help me pay closing costs?</strong>\r\n<strong>Government Programs (FHA, VA, HUD184 &amp; Rural Development):</strong>\r\n<ul>\r\n 	<li>Yes, 6% seller concessions are allowed.</li>\r\n</ul>\r\n<strong>Fannie Mae HFA Preferred &amp; Freddie Mac HFA Advantage:</strong>\r\n<ul>\r\n 	<li>Yes, 3% Maximum for CLTV Greater than 90%</li>\r\n 	<li>6% maximum of CLTV less than or equal to 90%.</li>\r\n</ul>\r\nMay be used for closing costs and/or single or split MI premiums\r\n\r\n<strong>What is the difference between closing costs and required down payment?</strong>\r\nClosing costs are fees associated with the cost of obtaining a home loan. These fees include items such as the appraisal, lender origination fees, escrow handling charges, wire transfer fees, discount points, lender’s title insurance and prepaid taxes and insurance premiums.\r\n\r\nThe down payment for a home is applied directly toward lowering your total loan amount.  Normally based on a percentage of the total sales price, the amount is established by the agency loan program that the lender has chosen for your loan.\r\n\r\n<strong>How long does the process take?</strong>\r\nLender’s should be able to close a loan in the same amount of time it takes to close a traditional mortgage loan.\r\n\r\n<strong>Can I receive a gift for investment property or a second home?</strong>\r\nNo, the borrower must utilize the gift on their primary residence.\r\n\r\n<strong>How do I apply for the Gift?</strong>\r\nTake a look at the <a href=\"http://reidownpayment.org/wp/wp-content/uploads/2016/09/REI-DPA-Steps-to-Buying-a-Home.pdf\" target=\"_blank\">10 Steps to Homeownership</a> and contact one of our <a href=\"http://reidownpayment.org/find-a-lender/\" target=\"_blank\">Participating Lenders</a>.\r\n\r\n<strong>How do I find a lender?</strong>\r\n<a href=\"http://reidownpayment.org/find-a-lender/\" target=\"_blank\">Click here to access lender list</a>.  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>.', 'Home Buyer FAQ', '', 'inherit', 'closed', 'closed', '', '1518-revision-v1', '', '', '2017-03-23 15:04:48', '2017-03-23 15:04:48', '', 1518, 'http://reidownpayment.org/1518-revision-v1/', 0, 'revision', '', 0),
(1749, 1, '2017-03-23 15:27:00', '2017-03-23 15:27:00', '[hs-faq limit=\"-1\"]', 'Home Buyer FAQ', '', 'inherit', 'closed', 'closed', '', '1518-revision-v1', '', '', '2017-03-23 15:27:00', '2017-03-23 15:27:00', '', 1518, 'http://reidownpayment.org/1518-revision-v1/', 0, 'revision', '', 0),
(1750, 2, '2017-03-24 14:05:23', '2017-03-24 14:05:23', '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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-03-24 14:05:23', '2017-03-24 14:05:23', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1751, 2, '2017-03-27 13:53:42', '2017-03-27 13:53:42', '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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-03-27 13:53:42', '2017-03-27 13:53:42', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1752, 2, '2017-03-28 13:44:14', '2017-03-28 13:44:14', '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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-03-28 13:44:14', '2017-03-28 13:44:14', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1754, 2, '2017-03-29 13:56:41', '2017-03-29 13:56:41', '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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-03-29 13:56:41', '2017-03-29 13:56:41', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1755, 2, '2017-03-30 13:38:43', '2017-03-30 13:38:43', '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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-03-30 13:38:43', '2017-03-30 13:38:43', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1756, 2, '2017-03-31 14:37:20', '2017-03-31 14:37:20', '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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-03-31 14:37:20', '2017-03-31 14:37:20', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1757, 2, '2017-04-03 14:17:16', '2017-04-03 14:17:16', '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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-04-03 14:17:16', '2017-04-03 14:17:16', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1758, 2, '2017-04-04 14:04:49', '2017-04-04 14:04:49', '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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-04-04 14:04:49', '2017-04-04 14:04:49', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1759, 2, '2017-04-05 14:04:34', '2017-04-05 14:04:34', '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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-04-05 14:04:34', '2017-04-05 14:04:34', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1761, 2, '2017-04-06 14:27:18', '2017-04-06 14:27:18', '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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-04-06 14:27:18', '2017-04-06 14:27:18', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1762, 2, '2017-04-07 14:18:03', '2017-04-07 14:18:03', '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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-04-07 14:18:03', '2017-04-07 14:18:03', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1763, 2, '2017-04-10 14:07:02', '2017-04-10 14:07:02', '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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-04-10 14:07:02', '2017-04-10 14:07:02', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1764, 2, '2017-04-11 14:02:32', '2017-04-11 14:02:32', '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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-04-11 14:02:32', '2017-04-11 14:02:32', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1765, 2, '2017-04-12 14:19:13', '2017-04-12 14:19:13', '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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-04-12 14:19:13', '2017-04-12 14:19:13', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1766, 2, '2017-04-13 14:07:55', '2017-04-13 14:07:55', '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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-04-13 14:07:55', '2017-04-13 14:07:55', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1768, 2, '2017-04-17 15:46:57', '2017-04-17 15:46:57', '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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-04-17 15:46:57', '2017-04-17 15:46:57', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1769, 2, '2017-04-18 14:01:47', '2017-04-18 14:01:47', '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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-04-18 14:01:47', '2017-04-18 14:01:47', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1770, 2, '2017-04-19 14:33:34', '2017-04-19 14:33:34', '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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-04-19 14:33:34', '2017-04-19 14:33:34', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1771, 2, '2017-04-20 14:16:26', '2017-04-20 14:16:26', '', '2017 Area Median Incomes - Conventional', '', 'inherit', 'open', 'closed', '', '2017-area-median-incomes-conventional', '', '', '2017-04-20 14:16:26', '2017-04-20 14:16:26', '', 0, 'http://reidownpayment.org/wp/wp-content/uploads/2017/04/2017-Area-Median-Incomes-Conventional.pdf', 0, 'attachment', 'application/pdf', 0),
(1772, 2, '2017-04-20 14:16:27', '2017-04-20 14:16:27', '', '2017 Area Median Incomes - FHA & VA', '', 'inherit', 'open', 'closed', '', '2017-area-median-incomes-fha-va', '', '', '2017-04-20 14:16:27', '2017-04-20 14:16:27', '', 0, 'http://reidownpayment.org/wp/wp-content/uploads/2017/04/2017-Area-Median-Incomes-FHA-VA.pdf', 0, 'attachment', 'application/pdf', 0),
(1773, 2, '2017-04-20 14:16:27', '2017-04-20 14:16:27', '', 'REI Gift100 Conventional Program Summary 17.04.18', '', 'inherit', 'open', 'closed', '', 'rei-gift100-conventional-program-summary-17-04-18', '', '', '2017-04-20 14:16:27', '2017-04-20 14:16:27', '', 0, 'http://reidownpayment.org/wp/wp-content/uploads/2017/04/REI-Gift100-Conventional-Program-Summary-17.04.18.pdf', 0, 'attachment', 'application/pdf', 0),
(1774, 2, '2017-04-20 14:16:28', '2017-04-20 14:16:28', '', 'REI Gift100 Program Summary 17.04.18', '', 'inherit', 'open', 'closed', '', 'rei-gift100-program-summary-17-04-18', '', '', '2017-04-20 14:16:28', '2017-04-20 14:16:28', '', 0, 'http://reidownpayment.org/wp/wp-content/uploads/2017/04/REI-Gift100-Program-Summary-17.04.18.pdf', 0, 'attachment', 'application/pdf', 0),
(1775, 2, '2017-04-20 14:22:06', '2017-04-20 14:22:06', '<strong>What types of loan programs are available?</strong>\r\nWe offer a 30 year fixed rate loan with down payment assistance on the following loan products:\r\n<ul>\r\n 	<li>FHA – 203(b), 234(c) &amp; 203ks (lenders must have an additional approval from U.S. Bank HFA Division to originate 203ks loans)</li>\r\n 	<li>VA – 203(b) &amp; 234(c)</li>\r\n 	<li>Rural Housing Guaranteed Loan</li>\r\n 	<li>Rate/term refinance on any of the above loan products.</li>\r\n</ul>\r\n<strong>How do I become a lender?</strong>\r\nLenders must be approved by U.S. Bank HFA Division to participate in the REI Gift100 Program.  US Bank serves as the Master Servicer and purchases the loans associated with the Gift100 Program.  Interested lenders should contact:\r\n\r\nDena Sherrill, Housing Program Manager at <a href=\"mailto:dsherrill@reiok.org\">dsherrill@reiok.org</a>\r\nJeremy 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>What are the first mortgage interest rates?</strong>\r\nREI 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.  An extension can be purchased if needed. Please see Program Summary (link) below for details.\r\n\r\n<strong>How does DPA work?</strong>\r\nThe down payment assistance is in the form of a gift and is based on a percentage of the total first mortgage loan amount.\r\n<ul>\r\n 	<li>Amount of assistance is 3.5% or 5.0% of total first mortgage loan amount (determined by the lender).</li>\r\n 	<li>The funds may be used to fund up to 100% of the Borrower’s cash requirement to close, including the down payment, closing costs, pre-paid items and other related Mortgage Loan fees and expenses. No portion of the gift funds can be paid to the Borrower unless the Borrower is being reimbursed for an overage of his/her earnest money deposit to the extent the minimum Borrower contribution has been satisfied.  Under the rate/term refinance option, any funds above the amount needed to pay the Borrower’s loan related costs must be used to reduce the principal amount of the First Mortgage loan.</li>\r\n 	<li>REI will table fund the Gift Funds at closing<strong>\r\n</strong></li>\r\n</ul>\r\n<strong>What is the minimum credit score?</strong>\r\nAll borrowers MUST have a minimum representative Credit Score of 640 when using an automated underwriting system.  See <a href=\"http://reidownpayment.org/wp/wp-content/uploads/2017/04/REI-Gift100-Program-Summary-17.04.18.pdf\" target=\"_blank\">Program Summary</a> for manual underwriting guidelines and alternative credit requirements.\r\n\r\n<strong>What is the Debt to Income (DTI) Ratio? </strong>\r\n<ul>\r\n 	<li>Determined by First Mortgage Program not to exceed 45% when underwritten through AUS (DU or LP).</li>\r\n 	<li>Manual Underwrite/Alternative Credit Score for AUS refer or No Fico maximum 36% with minimum 2 months PITI reserves after closing.</li>\r\n</ul>\r\n<strong>Does the borrower have to be a first-time homebuyer?</strong>\r\nNo, there is no first-time home buyer requirement.\r\n\r\n<strong>Does the borrower have to take a home buyer education class?</strong>\r\nHome buyer education is recommended, but not required.\r\n\r\n<strong>Are there income restrictions?</strong>\r\n<ul>\r\n 	<li>FHA &amp; VA - The borrower’s <strong>qualifying</strong> income must not exceed Program Income Limits. Click this link to see <a href=\"http://reidownpayment.org/wp/wp-content/uploads/2017/04/2017-Area-Median-Incomes-FHA-VA.pdf\" target=\"_blank\">Income Limits</a>.</li>\r\n 	<li>Rural Development Loans - Income is based on Adjusted Household Income per Rural Development’s Guidelines. Income limits can be found at the following link: <a href=\"http://www.rurdev.usda.gov/SupportDocuments/OK%20GRH.pdf\">http://www.rurdev.usda.gov/SupportDocuments/OK%20GRH.pdf</a></li>\r\n</ul>\r\n<strong>Lenders will be responsible for ensuring that the income meets program guidelines.</strong>\r\n\r\n<strong>Are Seller concessions allowed?</strong>\r\nYes, 6% seller concessions are allowed.\r\n\r\n<strong>Does the borrower have to pay back the gift?</strong>\r\nNo, the borrower is not required to pay back the gift upon sale or refinance, it is a true gift to the borrower.\r\n\r\n<strong>What are the lender compensation, fees, and purchase:</strong> Please review the <a href=\"http://reidownpayment.org/wp/wp-content/uploads/2017/04/REI-Gift100-Program-Summary-17.04.18.pdf\" target=\"_blank\">Program Summary</a> for compensation, loan fees, and purchase requirements.\r\n\r\n<strong>How long does the process take?</strong>\r\nLender’s should be able to close a loan in the same amount of time it takes to close a traditional mortgage loan.\r\n\r\n<strong>Can the borrower receive a gift for investment property?</strong>\r\nNo, the borrower must utilize the gift on their primary residence.\r\n<ul>\r\n 	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2017/04/REI-Gift100-Program-Summary-17.04.18.pdf\" target=\"_blank\">REI Gift100 Program Summary</a></li>\r\n 	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2017/04/2017-Area-Median-Incomes-FHA-VA.pdf\" target=\"_blank\">2017 Area Median Income - Gift100 Program</a></li>\r\n 	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2016/05/Government-Loan-Delivery-Checklist-2.12.16.pdf\" target=\"_blank\">Government Stacking Order</a></li>\r\n 	<li><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a></li>\r\n</ul>\r\n<strong>US Bank Forms &amp; Bulletins:</strong>\r\n<ul>\r\n 	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/05/USB-002-DPA-Form.pdf\" target=\"_blank\">US Bank Down Payment Assistance Form</a></li>\r\n</ul>', 'REI Gift100 Government Loan Program FAQ', '', 'inherit', 'closed', 'closed', '', '431-revision-v1', '', '', '2017-04-20 14:22:06', '2017-04-20 14:22:06', '', 431, 'http://reidownpayment.org/431-revision-v1/', 0, 'revision', '', 0),
(1776, 2, '2017-04-20 14:23:52', '2017-04-20 14:23:52', '<strong>What types of loan programs are available?</strong>\r\nWe offer a 30 year fixed rate loan with down payment assistance on the following loan products:\r\n<ul>\r\n 	<li><span style=\"color: green;\">Fannie Mae HFA Preferred up to 97% LTV</span></li>\r\n 	<li><span style=\"color: #2e86c1;\">Freddie Mac HFA Advantage up to 97% LTV</span></li>\r\n 	<li>Rate/term refinance on any of the above loan products.</li>\r\n</ul>\r\n<strong>How do I become a lender?</strong>\r\nLenders must be approved by U.S. Bank HFA Division to participate in the REI Gift100 Program.  US Bank serves as the Master Servicer and purchases the loans associated with the Gift100 Program.  Interested lenders should contact:\r\n\r\nDena Sherrill, Housing Program Manager at <a href=\"mailto:dsherrill@reiok.org\">dsherrill@reiok.org</a>\r\nJeremy 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>What are the first mortgage interest rates?</strong>\r\nREI 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.  An extension can be purchased if needed. Please see <a href=\"http://reidownpayment.org/wp/wp-content/uploads/2017/04/REI-Gift100-Conventional-Program-Summary-17.04.18.pdf\" target=\"_blank\">Program Summary</a> for details.\r\n\r\n<strong>How does DPA work?</strong>\r\nThe down payment assistance is in the form of a gift and is based on a percentage of the total first mortgage loan amount.\r\n<ul>\r\n 	<li>Amount of assistance is 3.5% or 5.0% of total first mortgage loan amount (determined by the lender).</li>\r\n 	<li>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, single or split MI fees 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 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.</li>\r\n 	<li>REI will table fund the Gift Funds at closing<strong>\r\n</strong></li>\r\n</ul>\r\n<strong>What is the minimum credit score?</strong>\r\nAll borrowers MUST have a minimum representative Credit Score of 640 when using an automated underwriting system.  See <a href=\"http://reidownpayment.org/wp/wp-content/uploads/2017/04/REI-Gift100-Conventional-Program-Summary-17.04.18.pdf\" target=\"_blank\">Program Summary</a> for manual underwriting guidelines and alternative credit requirements.\r\n\r\n<strong>What is the Debt to Income (DTI) Ratio? </strong>\r\n<ul>\r\n 	<li>Determined by First Mortgage Program not to exceed 50% when underwritten through AUS (DU or LP).</li>\r\n 	<li>Manual Underwrite/Alternative Credit Score for AUS refer or No Fico maximum 36% with minimum 2 months PITI reserves after closing. Refer to <a href=\"http://reidownpayment.org/wp/wp-content/uploads/2017/04/REI-Gift100-Conventional-Program-Summary-17.04.18.pdf\" target=\"_blank\">Program Summary</a> for more details.</li>\r\n</ul>\r\n<strong>What are the underwriting guidelines?</strong>\r\n<span style=\"color: green;\">Fannie Mae HFA Preferred</span> and <span style=\"color: #2e86c1;\">Freddie Mac HFA Advantage</span> have slightly different underwriting guidelines. Please see the <a href=\"http://reidownpayment.org/wp/wp-content/uploads/2017/04/REI-Gift100-Conventional-Program-Summary-17.04.18.pdf\" target=\"_blank\">Program Summary</a> for detailed information.\r\n\r\n<strong>Does the borrower have to be a first-time homebuyer?</strong>\r\nNo, there is no first-time home buyer requirement.  See <a href=\"http://reidownpayment.org/wp/wp-content/uploads/2017/04/REI-Gift100-Conventional-Program-Summary-17.04.18.pdf\" target=\"_blank\">Program Summary</a> for more detailed borrower eligibility guidelines per program.\r\n\r\n<strong>Are there income restrictions?</strong>\r\nThe borrower’s <strong>qualifying</strong> income must not exceed Program Income Limits.  Click this link to see <a href=\"http://reidownpayment.org/wp/wp-content/uploads/2017/04/2017-Area-Median-Incomes-Conventional.pdf\" target=\"_blank\">Income Limits</a>.\r\n<strong>Lenders will be responsible for ensuring that the income meets program guidelines.</strong>\r\n\r\n<strong>Does the borrower have to take a home buyer education class?</strong>\r\nRequired if all borrowers are first-time home buyers, at least one borrower must complete pre-purchase home buyer education and counseling.  The online course listed below is an acceptable course as is an on-line MI company, and/or an OHEA Certified or HUD certified counselors.\r\n<p style=\"text-align: left;\">REI has been approved to provide Homebuyer Education through EHome America, please click on the following link to take the online course. The cost is $99.00.</p>\r\n<p style=\"text-align: center;\"><a href=\"http://www.ehomeamerica.org/reiok\" target=\"_blank\">www.ehomeamerica.org/reiok</a></p>\r\n<strong>Which Mortgage Insurance (MI) companies participate in the program?</strong>\r\n<ul>\r\n 	<li>Arch</li>\r\n 	<li>Essent</li>\r\n 	<li>Genworth</li>\r\n 	<li>MGIC</li>\r\n 	<li>National MI</li>\r\n 	<li>Radian</li>\r\n</ul>\r\n<strong>What is the 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> What are the MI Payment Options?</strong>\r\n<ul>\r\n 	<li>Borrower Paid – monthly with annual renewal</li>\r\n 	<li>Split Premium</li>\r\n 	<li>Single Premium</li>\r\n</ul>\r\n<strong>****Base loan plus financed MI cannot exceed 97% LTV.****</strong>\r\n\r\n<strong> Are Seller concessions allowed?</strong>\r\n<ul>\r\n 	<li>3% Maximum for CLTV Greater than 90%</li>\r\n 	<li>6% maximum of CLTV less than or equal to 90%.</li>\r\n</ul>\r\nMay be used for closing costs and/or single or split MI premiums\r\n\r\n<strong>Does the borrower have to pay back the gift?</strong>\r\nNo, the borrower is not required to pay back the gift upon sale or refinance, it is a true gift to the borrower.\r\n\r\n<strong>What are the lender compensation, fees, and purchase:</strong> Please review the <a href=\"http://reidownpayment.org/wp/wp-content/uploads/2017/04/REI-Gift100-Conventional-Program-Summary-17.04.18.pdf\" target=\"_blank\">Program Summary</a> for compensation, loan fees, and purchase requirements.\r\n\r\n<strong>How long does the process take?</strong>\r\nLender’s should be able to close a loan in the same amount of time it takes to close a traditional mortgage loan.\r\n\r\n<strong>Can the borrower receive a gift for investment property?</strong>\r\nNo, the borrower must utilize the gift on their primary residence.\r\n<ul>\r\n 	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2017/04/REI-Gift100-Conventional-Program-Summary-17.04.18.pdf\" target=\"_blank\">Program Summary</a></li>\r\n 	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2017/04/2017-Area-Median-Incomes-Conventional.pdf\" target=\"_blank\">Income Limits</a></li>\r\n 	<li><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a></li>\r\n</ul>', 'REI Gift100 Conventional Loan Program FAQ', '', 'inherit', 'closed', 'closed', '', '217-revision-v1', '', '', '2017-04-20 14:23:52', '2017-04-20 14:23:52', '', 217, 'http://reidownpayment.org/217-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
(1777, 2, '2017-04-20 14:34:19', '2017-04-20 14:34:19', '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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-04-20 14:34:19', '2017-04-20 14:34:19', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1778, 2, '2017-04-21 14:17:11', '2017-04-21 14:17:11', '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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-04-21 14:17:11', '2017-04-21 14:17:11', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1779, 2, '2017-04-24 14:05:42', '2017-04-24 14:05:42', '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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-04-24 14:05:42', '2017-04-24 14:05:42', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1783, 2, '2017-04-25 14:29:55', '2017-04-25 14:29:55', '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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-04-25 14:29:55', '2017-04-25 14:29:55', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1785, 1, '2017-04-25 15:17:50', '2017-04-25 15:17:50', '[hs-faq-cat id=\"5\"]', 'Home Buyer FAQ', '', 'inherit', 'closed', 'closed', '', '1518-revision-v1', '', '', '2017-04-25 15:17:50', '2017-04-25 15:17:50', '', 1518, 'http://reidownpayment.org/1518-revision-v1/', 0, 'revision', '', 0),
(1786, 1, '2017-04-25 15:18:52', '2017-04-25 15:18:52', 'We offer a 30 year fixed rate loan with down payment assistance on the following conventional loan products:\r\n<ul>\r\n 	<li>Fannie Mae HFA Preferred up to 97% LTV</li>\r\n 	<li>Freddie Mac HFA Advantage up to 97% LTV</li>\r\n</ul>', 'What types of loan programs are available?', '', 'publish', 'open', 'closed', '', 'types-loan-programs-available', '', '', '2021-08-12 13:41:31', '2021-08-12 13:41:31', '', 0, 'http://reidownpayment.org/?post_type=hs_faq&#038;p=1786', 0, 'hs_faq', '', 0),
(1787, 1, '2017-04-25 15:20:03', '2017-04-25 15:20:03', 'Lenders must be approved by U.S. Bank HFA Division to participate in the REI Home100 Program.  US Bank serves as the Master Servicer and purchases the loans associated with the Home100 Program.  Interested lenders should contact:\r\n\r\nDena Sherrill, Director of Housing at <a href=\"mailto:dsherrill@reiok.org\">dsherrill@reiok.org</a>\r\nJeremy Layman, Housing Manager at <a href=\"mailto:jlayman@reiok.org\">jlayman@reiok.org</a>\r\n\r\n<strong>***Third Party Origination is not allowed***</strong>', 'How do I become a lender?', '', 'publish', 'open', 'closed', '', 'how-do-i-become-a-lender', '', '', '2019-12-30 22:42:13', '2019-12-30 22:42:13', '', 0, 'http://reidownpayment.org/?post_type=hs_faq&#038;p=1787', 1, 'hs_faq', '', 0),
(1788, 1, '2017-04-25 15:20:23', '2017-04-25 15:20:23', 'REI Down Payment Assistance will post first mortgage interest rates by 9:00 a.m. Central Time daily on the lender portal at <a href=\"http://www.reihome100.org/\" target=\"_blank\" rel=\"noopener\">www.reihome100.org</a>.  All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  A one-time extension can be purchased if needed. Please see the program summary, at the bottom of the page, for more detailed information.', 'What are the first mortgage interest rates?', '', 'publish', 'open', 'closed', '', 'first-mortgage-interest-rates-2', '', '', '2021-08-18 19:25:25', '2021-08-18 19:25:25', '', 0, 'http://reidownpayment.org/?post_type=hs_faq&#038;p=1788', 2, 'hs_faq', '', 0),
(1789, 1, '2017-04-25 15:20:45', '2017-04-25 15:20:45', 'The down payment assistance is based on a percentage of the total first mortgage loan amount.  The type of assistance provided depends upon the conventional first mortgage loan type as shown below:\r\n<ul>\r\n 	<li>Freddie Mac HFA Advantage - amount of assistance is 0%, 3.5%, or 4.0% of the total first mortgage loan amount, determined by the participating lender.  The assistance is provided to the borrower in the form of a gift.</li>\r\n 	<li>Fannie Mae HFA Preferred - amount of assistance is 0%, 3.5%, 4.0%, or 5.0% of the total first mortgage loan amount, determined by the participating lender.  The assistance is provided to the borrower in the form of a 7-year forgivable second mortgage.  The second mortgage loan principal will be forgiven 1/84th each month, beginning with the first full month after closing.  There is no forgiveness for partial months.  The outstanding principal of the second mortgage loan will be due and payable in any of the following instances:\r\n<ul>\r\n 	<li>The sale, disposition, or transfer of the property</li>\r\n 	<li>The refinancing or payment in full of the first mortgage loan</li>\r\n 	<li>Failure to occupy the property as principal residence for a period of more than sixty (60) days</li>\r\n 	<li>Upon acceleration of the first mortgage loan or second mortgage loan for any reason</li>\r\n</ul>\r\n</li>\r\n 	<li>The assistance 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, single or split MI fees, and other related mortgage loan fees and expenses.  No portion of the assistance funds can be paid to the borrower unless the borrower is being reimbursed for his/her earnest money deposit and pre-paid expenses, to the extent the minimum borrower contribution has been satisfied.</li>\r\n 	<li>REI will table fund the assistance funds at closing</li>\r\n</ul>\r\nPlease see the program summary, via the link at the bottom of the page, for more detailed information.\r\n\r\n&nbsp;', 'How does DPA work?', '', 'publish', 'open', 'closed', '', 'how-does-dpa-work-2', '', '', '2021-08-18 19:31:57', '2021-08-18 19:31:57', '', 0, 'http://reidownpayment.org/?post_type=hs_faq&#038;p=1789', 3, 'hs_faq', '', 0),
(1790, 1, '2017-04-25 15:21:08', '2017-04-25 15:21:08', 'All borrowers MUST have a minimum representative Credit Score of 640 when using an automated underwriting system.  See <a href=\"http://reidownpayment.org/wp/wp-content/uploads/2019/08/REI-Gift100-Conventional-Program-Summary-19.09.05.pdf\" target=\"_blank\" rel=\"noopener\">Program Summary</a> for manual underwriting guidelines and alternative credit requirements.', 'What is the minimum credit score?', '', 'draft', 'open', 'closed', '', 'minimum-credit-score-2', '', '', '2019-12-30 22:08:06', '2019-12-30 22:08:06', '', 0, 'http://reidownpayment.org/?post_type=hs_faq&#038;p=1790', 4, 'hs_faq', '', 0),
(1791, 1, '2017-04-25 15:21:35', '2017-04-25 15:21:35', '<ul>\r\n 	<li>Determined by First Mortgage Program not to exceed 50% when underwritten through AUS (DU or LP).</li>\r\n 	<li>Manual Underwrite/Alternative Credit Score for AUS refer or No Fico maximum 36% with minimum 2 months PITI reserves after closing. Refer to <a href=\"http://reidownpayment.org/wp/wp-content/uploads/2019/08/REI-Gift100-Conventional-Program-Summary-19.09.05.pdf\" target=\"_blank\" rel=\"noopener\">Program Summary</a> for more details.</li>\r\n</ul>', 'What is the Debt to Income (DTI) Ratio?', '', 'draft', 'open', 'closed', '', 'debt-income-dti-ratio', '', '', '2019-12-30 22:09:31', '2019-12-30 22:09:31', '', 0, 'http://reidownpayment.org/?post_type=hs_faq&#038;p=1791', 5, 'hs_faq', '', 0),
(1792, 1, '2017-04-25 15:22:00', '2017-04-25 15:22:00', 'For Fannie Mae HFA Preferred loans, please use the appropriate underwriting guidelines from the matrix below:\r\n<p style=\"padding-left: 30px;\"><a href=\"https://reidownpayment.org/wp/wp-content/uploads/2021/02/CaptureFannieMatrix-Feb-2021.jpg\"><img class=\"wp-image-2780 alignleft\" src=\"https://reidownpayment.org/wp/wp-content/uploads/2021/02/CaptureFannieMatrix-Feb-2021-300x122.jpg\" alt=\"\" width=\"561\" height=\"228\" /></a></p>\r\n&nbsp;\r\n\r\n&nbsp;\r\n\r\n&nbsp;\r\n\r\n&nbsp;\r\n\r\n&nbsp;\r\n\r\nFor Freddie Mac HFA Advantage loans, please use the appropriate underwriting guidelines from the matrix below:\r\n<p style=\"padding-left: 30px;\"><a href=\"https://reidownpayment.org/wp/wp-content/uploads/2021/02/CaptureFreddieMatrix-Feb-2021.jpg\"><img class=\" wp-image-2781 alignleft\" src=\"https://reidownpayment.org/wp/wp-content/uploads/2021/02/CaptureFreddieMatrix-Feb-2021-300x68.jpg\" alt=\"\" width=\"556\" height=\"126\" /></a></p>\r\n&nbsp;\r\n\r\n&nbsp;\r\n\r\n&nbsp;\r\n\r\nPlease see the program summary, via the link at the bottom of the page, for more detailed information.', 'What are the underwriting, credit score, and DTI guidelines?', '', 'publish', 'open', 'closed', '', 'what-are-the-underwriting-guidelines', '', '', '2021-02-08 22:22:50', '2021-02-08 22:22:50', '', 0, 'http://reidownpayment.org/?post_type=hs_faq&#038;p=1792', 6, 'hs_faq', '', 0),
(1793, 1, '2017-04-25 15:22:24', '2017-04-25 15:22:24', 'No, there is no first-time home buyer requirement.  Please see the program summary, via the link at the bottom of the page, for more detailed information.', 'Does the borrower have to be a first-time homebuyer?', '', 'publish', 'open', 'closed', '', 'borrower-first-time-homebuyer', '', '', '2019-12-30 22:44:55', '2019-12-30 22:44:55', '', 0, 'http://reidownpayment.org/?post_type=hs_faq&#038;p=1793', 7, 'hs_faq', '', 0),
(1794, 1, '2017-04-25 15:22:46', '2017-04-25 15:22:46', 'The borrower’s <strong>qualifying</strong> income must not exceed Program Income Limits.  Click the links at the bottom of the page to see the income limits.\r\n\r\n<strong>Lenders will be responsible for ensuring that the income meets program guidelines.</strong>', 'Are there income restrictions?', '', 'publish', 'open', 'closed', '', 'are-there-income-restrictions-2', '', '', '2020-06-16 21:50:48', '2020-06-16 21:50:48', '', 0, 'http://reidownpayment.org/?post_type=hs_faq&#038;p=1794', 8, 'hs_faq', '', 0),
(1795, 1, '2017-04-25 15:23:56', '2017-04-25 15:23:56', 'Required if all borrowers are first-time home buyers, at least one borrower must complete pre-purchase home buyer education and counseling.  The following courses listed are acceptable:\r\n<ul>\r\n 	<li>REI homebuyer education through eHome America.  Click on the following link to take the online course, the cost of which is $99: <a href=\"https://www.ehomeamerica.org/reiok\">REI Homebuyer Education</a></li>\r\n 	<li>Fannie Mae\'s FrameWork Homeownership Course, as applicable: <a href=\"https://educate.frameworkhomeownership.org/\">FrameWork Homeownership Course</a></li>\r\n 	<li>Freddie Mac\'s CreditSmart, as applicable: <a href=\"https://sf.freddiemac.com/working-with-us/creditsmart/overview\">CreditSmart Homebuyer U</a></li>\r\n 	<li>HUD approved counseling agency: <a href=\"https://apps.hud.gov/offices/hsg/sfh/hcc/hcs.cfm?webListAction=search&amp;searchstate=OK\">Oklahoma HUD Approved Counseling Agencies</a></li>\r\n 	<li>Homeownership education programs developed by mortgage insurance companies or other providers\' programs that meet the standars for Homeownership Education and Counseling set by HUD or the National Industry Standards for Homeownership Education and Counseling</li>\r\n</ul>\r\nLenders must retain a copy of the certificate of course or counseling completion in the loan file.', 'Does the borrower have to take a home buyer education class?', '', 'publish', 'open', 'closed', '', 'borrower-take-home-buyer-education-class-2', '', '', '2021-02-08 22:31:41', '2021-02-08 22:31:41', '', 0, 'http://reidownpayment.org/?post_type=hs_faq&#038;p=1795', 9, 'hs_faq', '', 0),
(1796, 1, '2017-04-25 15:24:18', '2017-04-25 15:24:18', '<ul>\r\n 	<li>Arch</li>\r\n 	<li>Enact</li>\r\n 	<li>Essent Guaranty</li>\r\n 	<li>Mortgage Guaranty Insurance Company (MGIC)</li>\r\n 	<li>National</li>\r\n 	<li>Radian Guaranty</li>\r\n</ul>', 'Which Mortgage Insurance (MI) companies participate in the program?', '', 'publish', 'open', 'closed', '', 'mortgage-insurance-mi-companies-participate-program', '', '', '2021-08-19 21:48:46', '2021-08-19 21:48:46', '', 0, 'http://reidownpayment.org/?post_type=hs_faq&#038;p=1796', 10, 'hs_faq', '', 0),
(1797, 1, '2017-04-25 15:24:40', '2017-04-25 15:24:40', '<a href=\"https://reidownpayment.org/wp/wp-content/uploads/2020/05/Capture-Conv-MI-Table.jpg\"><img class=\" wp-image-2587 alignleft\" src=\"https://reidownpayment.org/wp/wp-content/uploads/2020/05/Capture-Conv-MI-Table-300x108.jpg\" alt=\"\" width=\"574\" height=\"207\" /></a>', 'What is the MI Coverage?', '', 'publish', 'open', 'closed', '', 'what-is-the-mi-coverage', '', '', '2020-05-19 14:42:58', '2020-05-19 14:42:58', '', 0, 'http://reidownpayment.org/?post_type=hs_faq&#038;p=1797', 11, 'hs_faq', '', 0),
(1798, 1, '2017-04-25 15:25:01', '2017-04-25 15:25:01', '<ul>\r\n 	<li>Borrower Paid – monthly with annual renewal</li>\r\n 	<li>Split Premium</li>\r\n 	<li>Single Premium</li>\r\n</ul>\r\n<strong>****Base loan plus financed MI cannot exceed 97% LTV.****</strong>', 'What are the MI Payment Options?', '', 'publish', 'open', 'closed', '', 'mi-payment-options', '', '', '2017-04-25 15:25:01', '2017-04-25 15:25:01', '', 0, 'http://reidownpayment.org/?post_type=hs_faq&#038;p=1798', 12, 'hs_faq', '', 0),
(1799, 1, '2017-04-25 15:25:21', '2017-04-25 15:25:21', '<ul>\r\n 	<li>3% maximum for CLTV greater than 90%</li>\r\n 	<li>6% maximum for CLTV less than or equal to 90%.</li>\r\n</ul>\r\nMay be used for closing costs and/or single or split MI premiums', 'Are Seller concessions allowed?', '', 'publish', 'open', 'closed', '', 'seller-concessions-allowed', '', '', '2020-01-02 14:41:45', '2020-01-02 14:41:45', '', 0, 'http://reidownpayment.org/?post_type=hs_faq&#038;p=1799', 13, 'hs_faq', '', 0),
(1800, 1, '2017-04-25 15:25:44', '2017-04-25 15:25:44', '<ul>\r\n 	<li>The assistance the borrower receives with the Freddie Mac HFA Advantage loan is a gift and does not have to be repaid.</li>\r\n 	<li>The assistance the borrower receives with the Fannie Mae HFA Preferred loan is a 7-year forgivable second mortgage, forgiven 1/84th each month, beginning the first full month after closing.  There is no forgiveness for partial months.  The outstanding principal of the second mortgage loan will be due and payable in any of the following instances:\r\n<ul>\r\n 	<li>The sale, disposition, or transfer of the property</li>\r\n 	<li>The refinancing or payment in full of the first mortgage loan</li>\r\n 	<li>Failure to occupy the property as principal residence for a period of more than sixty (60) days</li>\r\n 	<li>Upon acceleration of the first mortgage loan or second mortgage loan for any reason</li>\r\n</ul>\r\n</li>\r\n</ul>\r\nPlease see the program summary, via the link at the bottom of the page, for more detailed information.', 'Does the borrower have to pay back the assistance?', '', 'publish', 'open', 'closed', '', 'borrower-pay-back-gift', '', '', '2019-12-30 21:48:33', '2019-12-30 21:48:33', '', 0, 'http://reidownpayment.org/?post_type=hs_faq&#038;p=1800', 14, 'hs_faq', '', 0),
(1801, 1, '2017-04-25 15:26:12', '2017-04-25 15:26:12', 'Please review the program summary, via the link at the bottom of the page, for compensation, loan fees, and purchase requirements.', 'What are the lender compensation, fees, and purchase?', '', 'publish', 'open', 'closed', '', 'lender-compensation-fees-purchase', '', '', '2019-12-30 22:49:32', '2019-12-30 22:49:32', '', 0, 'http://reidownpayment.org/?post_type=hs_faq&#038;p=1801', 15, 'hs_faq', '', 0),
(1802, 1, '2017-04-25 15:26:33', '2017-04-25 15:26:33', 'Lenders should be able to close a loan in the same amount of time it takes to close a traditional mortgage loan.', 'How long does the process take?', '', 'publish', 'open', 'closed', '', 'long-process-take-2', '', '', '2019-12-30 22:50:13', '2019-12-30 22:50:13', '', 0, 'http://reidownpayment.org/?post_type=hs_faq&#038;p=1802', 16, 'hs_faq', '', 0),
(1803, 1, '2017-04-25 15:26:57', '2017-04-25 15:26:57', 'No, the borrower must utilize the assistance on their primary residence.', 'Can the borrower receive assistance for an investment property?', '', 'publish', 'open', 'closed', '', 'can-borrower-receive-gift-investment-property', '', '', '2019-12-30 21:55:37', '2019-12-30 21:55:37', '', 0, 'http://reidownpayment.org/?post_type=hs_faq&#038;p=1803', 17, 'hs_faq', '', 0),
(1804, 1, '2017-04-25 15:33:01', '2017-04-25 15:33:01', '[hs-faq-cat id=\"6\"]', 'REI Gift100 Conventional Loan Program FAQ', '', 'inherit', 'closed', 'closed', '', '217-revision-v1', '', '', '2017-04-25 15:33:01', '2017-04-25 15:33:01', '', 217, 'http://reidownpayment.org/217-revision-v1/', 0, 'revision', '', 0),
(1805, 1, '2017-04-25 15:35:39', '2017-04-25 15:35:39', 'No, the borrower must utilize the gift on their primary residence.', 'Can the borrower receive a gift for investment property?', '', 'publish', 'open', 'closed', '', 'can-borrower-receive-gift-investment-property-2', '', '', '2019-12-30 21:52:20', '2019-12-30 21:52:20', '', 0, 'http://reidownpayment.org/?post_type=hs_faq&#038;p=1805', 0, 'hs_faq', '', 0),
(1806, 1, '2017-04-25 15:36:03', '2017-04-25 15:36:03', 'Lenders should be able to close a loan in the same amount of time it takes to close a traditional mortgage loan.', 'How long does the process take?', '', 'publish', 'open', 'closed', '', 'long-process-take-3', '', '', '2019-12-30 22:49:55', '2019-12-30 22:49:55', '', 0, 'http://reidownpayment.org/?post_type=hs_faq&#038;p=1806', 0, 'hs_faq', '', 0),
(1807, 1, '2017-04-25 15:36:43', '2017-04-25 15:36:43', 'Please review the program summary, via the link at the bottom of the page, for compensation, loan fees, and purchase requirements.', 'What are the lender compensation, fees, and purchase?', '', 'publish', 'open', 'closed', '', 'lender-compensation-fees-purchase-2', '', '', '2019-12-30 22:48:54', '2019-12-30 22:48:54', '', 0, 'http://reidownpayment.org/?post_type=hs_faq&#038;p=1807', 0, 'hs_faq', '', 0),
(1808, 1, '2017-04-25 15:46:29', '2017-04-25 15:46:29', 'No, the borrower is not required to pay back the gift upon sale or refinance, it is a true gift to the borrower.', 'Does the borrower have to pay back the gift?', '', 'publish', 'open', 'closed', '', 'borrower-pay-back-gift-2', '', '', '2019-12-30 21:41:45', '2019-12-30 21:41:45', '', 0, 'http://reidownpayment.org/?post_type=hs_faq&#038;p=1808', 0, 'hs_faq', '', 0),
(1809, 1, '2017-04-25 15:56:31', '2017-04-25 15:56:31', 'Yes, 6% seller concessions are allowed.', 'Are Seller concessions allowed?', '', 'publish', 'open', 'closed', '', 'seller-concessions-allowed-2', '', '', '2017-04-25 15:56:31', '2017-04-25 15:56:31', '', 0, 'http://reidownpayment.org/?post_type=hs_faq&#038;p=1809', 0, 'hs_faq', '', 0),
(1810, 1, '2017-04-25 15:56:59', '2017-04-25 15:56:59', '<ul>\r\n 	<li>FHA &amp; VA – The borrower’s <strong>qualifying</strong> income must not exceed Program Income Limits. Click this link to see <a href=\"https://reidownpayment.org/wp/wp-content/uploads/2021/06/2021-Area-Median-Incomes-FHA-VA.pdf\" target=\"_blank\" rel=\"noopener\">Income Limits</a>.</li>\r\n 	<li>Rural Development Loans – Income is based on Adjusted Household Income per Rural Development’s Guidelines. Income limits can be found at the following link: <a href=\"https://www.rd.usda.gov/files/RD-GRHLimitMap.pdf\" target=\"_blank\" rel=\"noopener\">https://www.rd.usda.gov/files/RD-GRHLimitMap.pdf</a></li>\r\n</ul>\r\n<strong>Lenders will be responsible for ensuring that the income meets program guidelines.</strong>', 'Are there income restrictions?', '', 'publish', 'open', 'closed', '', 'are-there-income-restrictions-3', '', '', '2021-06-04 15:57:52', '2021-06-04 15:57:52', '', 0, 'http://reidownpayment.org/?post_type=hs_faq&#038;p=1810', 0, 'hs_faq', '', 0),
(1811, 1, '2017-04-25 15:57:16', '2017-04-25 15:57:16', 'Home buyer education is recommended, but not required.', 'Does the borrower have to take a home buyer education class?', '', 'publish', 'open', 'closed', '', 'borrower-take-home-buyer-education-class-3', '', '', '2017-04-25 15:57:16', '2017-04-25 15:57:16', '', 0, 'http://reidownpayment.org/?post_type=hs_faq&#038;p=1811', 0, 'hs_faq', '', 0),
(1812, 1, '2017-04-25 15:57:32', '2017-04-25 15:57:32', 'No, there is no first-time home buyer requirement.  Please see the program summary, via the link at the bottom of the page, for more detailed information.', 'Does the borrower have to be a first-time homebuyer?', '', 'publish', 'open', 'closed', '', 'borrower-first-time-homebuyer-2', '', '', '2019-12-30 22:46:19', '2019-12-30 22:46:19', '', 0, 'http://reidownpayment.org/?post_type=hs_faq&#038;p=1812', 0, 'hs_faq', '', 0),
(1813, 1, '2017-04-25 15:57:52', '2017-04-25 15:57:52', '<p style=\"text-align: center;\"><a href=\"https://reidownpayment.org/wp/wp-content/uploads/2021/08/Govt-Underwriting-Matrix.jpg\"><img class=\"wp-image-2922 alignleft\" src=\"https://reidownpayment.org/wp/wp-content/uploads/2021/08/Govt-Underwriting-Matrix-300x206.jpg\" alt=\"\" width=\"454\" height=\"312\" /></a></p>', 'What are the underwriting, credit score, and DTI guidelines?', '', 'publish', 'open', 'closed', '', 'debt-income-dti-ratio-2', '', '', '2021-08-18 20:43:31', '2021-08-18 20:43:31', '', 0, 'http://reidownpayment.org/?post_type=hs_faq&#038;p=1813', 0, 'hs_faq', '', 0),
(1814, 1, '2017-04-25 15:58:37', '2017-04-25 15:58:37', 'All borrowers MUST have a minimum representative credit score of 640 when using an automated underwriting system.  See the program summary, via the link at the bottom of the page, for manual underwriting guidelines and alternative credit requirements.', 'What is the minimum credit score?', '', 'publish', 'open', 'closed', '', 'minimum-credit-score-3', '', '', '2019-12-30 22:55:32', '2019-12-30 22:55:32', '', 0, 'http://reidownpayment.org/?post_type=hs_faq&#038;p=1814', 0, 'hs_faq', '', 0),
(1815, 1, '2017-04-25 15:58:55', '2017-04-25 15:58:55', 'The down payment assistance is in the form of a gift and is based on a percentage of the total first mortgage loan amount.\r\n<ul>\r\n 	<li>Amount of assistance is 3.5%, 4.0%, or 5.0% of total first mortgage loan amount (determined by the lender).</li>\r\n 	<li>The funds may be used to fund up to 100% of the borrower’s cash requirement to close, including the down payment, closing costs, pre-paid items and other related mortgage loan fees and expenses. No portion of the gift funds can be paid to the borrower unless the borrower is being reimbursed for an overage of his/her earnest money deposit to the extent the minimum borrower contribution has been satisfied.</li>\r\n 	<li>REI will table fund the gift funds at closing</li>\r\n</ul>\r\nSee the program summary and income guidelines, via the links at the bottom of the page, for more detailed information.\r\n\r\n&nbsp;', 'How does DPA work?', '', 'publish', 'open', 'closed', '', 'how-does-dpa-work-3', '', '', '2021-08-18 19:31:28', '2021-08-18 19:31:28', '', 0, 'http://reidownpayment.org/?post_type=hs_faq&#038;p=1815', 0, 'hs_faq', '', 0),
(1816, 1, '2017-04-25 15:59:31', '2017-04-25 15:59:31', 'REI Down Payment Assistance will post first mortgage interest rates by 9:00 a.m. Central Time daily on the lender portal at <a href=\"http://www.reihome100.org/\" target=\"_blank\" rel=\"noopener\">www.reihome100.org</a>.  All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  A one-time extension can be purchased if needed. Please see the program summary, via the link at the bottom of the page, for detailed information.', 'What are the first mortgage interest rates?', '', 'publish', 'open', 'closed', '', 'first-mortgage-interest-rates-3', '', '', '2021-08-18 19:25:00', '2021-08-18 19:25:00', '', 0, 'http://reidownpayment.org/?post_type=hs_faq&#038;p=1816', 0, 'hs_faq', '', 0),
(1817, 1, '2017-04-25 15:59:51', '2017-04-25 15:59:51', 'Lenders must be approved by U.S. Bank HFA Division to participate in the REI Home100 Program.  US Bank serves as the Master Servicer and purchases the loans associated with the Home100 Program.  Interested lenders should contact:\r\n\r\nDena Sherrill, Director of Housing at <a href=\"mailto:dsherrill@reiok.org\">dsherrill@reiok.org</a>\r\nJeremy Layman, Housing Manager at <a href=\"mailto:jlayman@reiok.org\">jlayman@reiok.org</a>\r\n\r\n<strong>***Third Party Origination is not allowed***</strong>', 'How do I become a lender?', '', 'publish', 'open', 'closed', '', 'how-do-i-become-a-lender-2', '', '', '2019-12-30 22:41:40', '2019-12-30 22:41:40', '', 0, 'http://reidownpayment.org/?post_type=hs_faq&#038;p=1817', 0, 'hs_faq', '', 0),
(1818, 1, '2017-04-25 16:00:10', '2017-04-25 16:00:10', 'We offer a 30 year fixed rate loan with down payment assistance on the following loan products:\r\n<ul>\r\n 	<li>FHA – 203(b), 234(c) &amp; 203ks (lenders must have an additional approval from U.S. Bank HFA Division to originate 203ks loans)</li>\r\n 	<li>VA Loan for Veterans</li>\r\n 	<li>Rural Housing Guaranteed Loan</li>\r\n 	<li><span style=\"color: #ff0000;\">Rate/term refinance loans are not available at this time</span></li>\r\n</ul>', 'What types of loan programs are available?', '', 'publish', 'open', 'closed', '', 'types-loan-programs-available-2', '', '', '2020-07-22 16:58:42', '2020-07-22 16:58:42', '', 0, 'http://reidownpayment.org/?post_type=hs_faq&#038;p=1818', 0, 'hs_faq', '', 0),
(1819, 1, '2017-04-25 16:01:41', '2017-04-25 16:01:41', '[hs-faq-cat id=\"7\"]\n\n<strong>What types of loan programs are available?</strong>\nWe offer a 30 year fixed rate loan with down payment assistance on the following loan products:\n<ul>\n 	<li>FHA – 203(b), 234(c) &amp; 203ks (lenders must have an additional approval from U.S. Bank HFA Division to originate 203ks loans)</li>\n 	<li>VA – 203(b) &amp; 234(c)</li>\n 	<li>Rural Housing Guaranteed Loan</li>\n 	<li>Rate/term refinance on any of the above loan products.</li>\n</ul>\n<strong>How do I become a lender?</strong>\nLenders must be approved by U.S. Bank HFA Division to participate in the REI Gift100 Program.  US Bank serves as the Master Servicer and purchases the loans associated with the Gift100 Program.  Interested lenders should contact:\n\nDena Sherrill, Housing Program Manager at <a href=\"mailto:dsherrill@reiok.org\">dsherrill@reiok.org</a>\nJeremy Layman, Housing Program Specialist at <a href=\"mailto:jlayman@reiok.org\">jlayman@reiok.org</a>\n\n<strong>***Third Party Origination is not allowed***</strong>\n\n<strong>What are the first mortgage interest rates?</strong>\nREI 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.  An extension can be purchased if needed. Please see Program Summary (link) below for details.\n\n<strong>How does DPA work?</strong>\nThe down payment assistance is in the form of a gift and is based on a percentage of the total first mortgage loan amount.\n<ul>\n 	<li>Amount of assistance is 3.5% or 5.0% of total first mortgage loan amount (determined by the lender).</li>\n 	<li>The funds may be used to fund up to 100% of the Borrower’s cash requirement to close, including the down payment, closing costs, pre-paid items and other related Mortgage Loan fees and expenses. No portion of the gift funds can be paid to the Borrower unless the Borrower is being reimbursed for an overage of his/her earnest money deposit to the extent the minimum Borrower contribution has been satisfied.  Under the rate/term refinance option, any funds above the amount needed to pay the Borrower’s loan related costs must be used to reduce the principal amount of the First Mortgage loan.</li>\n 	<li>REI will table fund the Gift Funds at closing<strong>\n</strong></li>\n</ul>\n<strong>What is the minimum credit score?</strong>\nAll borrowers MUST have a minimum representative Credit Score of 640 when using an automated underwriting system.  See <a href=\"http://reidownpayment.org/wp/wp-content/uploads/2017/04/REI-Gift100-Program-Summary-17.04.18.pdf\" target=\"_blank\">Program Summary</a> for manual underwriting guidelines and alternative credit requirements.\n\n<strong>What is the Debt to Income (DTI) Ratio? </strong>\n<ul>\n 	<li>Determined by First Mortgage Program not to exceed 45% when underwritten through AUS (DU or LP).</li>\n 	<li>Manual Underwrite/Alternative Credit Score for AUS refer or No Fico maximum 36% with minimum 2 months PITI reserves after closing.</li>\n</ul>\n<strong>Does the borrower have to be a first-time homebuyer?</strong>\nNo, there is no first-time home buyer requirement.\n\n<strong>Does the borrower have to take a home buyer education class?</strong>\nHome buyer education is recommended, but not required.\n\n<strong>Are there income restrictions?</strong>\n<ul>\n 	<li>FHA &amp; VA - The borrower’s <strong>qualifying</strong> income must not exceed Program Income Limits. Click this link to see <a href=\"http://reidownpayment.org/wp/wp-content/uploads/2017/04/2017-Area-Median-Incomes-FHA-VA.pdf\" target=\"_blank\">Income Limits</a>.</li>\n 	<li>Rural Development Loans - Income is based on Adjusted Household Income per Rural Development’s Guidelines. Income limits can be found at the following link: <a href=\"http://www.rurdev.usda.gov/SupportDocuments/OK%20GRH.pdf\">http://www.rurdev.usda.gov/SupportDocuments/OK%20GRH.pdf</a></li>\n</ul>\n<strong>Lenders will be responsible for ensuring that the income meets program guidelines.</strong>\n\n<strong>Are Seller concessions allowed?</strong>\nYes, 6% seller concessions are allowed.\n\n<strong>Does the borrower have to pay back the gift?</strong>\nNo, the borrower is not required to pay back the gift upon sale or refinance, it is a true gift to the borrower.\n\n<strong>What are the lender compensation, fees, and purchase:</strong> Please review the <a href=\"http://reidownpayment.org/wp/wp-content/uploads/2017/04/REI-Gift100-Program-Summary-17.04.18.pdf\" target=\"_blank\">Program Summary</a> for compensation, loan fees, and purchase requirements.\n\n<strong>How long does the process take?</strong>\nLender’s should be able to close a loan in the same amount of time it takes to close a traditional mortgage loan.\n\n<strong>Can the borrower receive a gift for investment property?</strong>\nNo, the borrower must utilize the gift on their primary residence.\n<ul>\n 	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2017/04/REI-Gift100-Program-Summary-17.04.18.pdf\" target=\"_blank\">REI Gift100 Program Summary</a></li>\n 	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2017/04/2017-Area-Median-Incomes-FHA-VA.pdf\" target=\"_blank\">2017 Area Median Income - Gift100 Program</a></li>\n 	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2016/05/Government-Loan-Delivery-Checklist-2.12.16.pdf\" target=\"_blank\">Government Stacking Order</a></li>\n 	<li><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a></li>\n</ul>\n<strong>US Bank Forms &amp; Bulletins:</strong>\n<ul>\n 	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/05/USB-002-DPA-Form.pdf\" target=\"_blank\">US Bank Down Payment Assistance Form</a></li>\n</ul>', 'REI Gift100 Government Loan Program FAQ', '', 'inherit', 'closed', 'closed', '', '431-autosave-v1', '', '', '2017-04-25 16:01:41', '2017-04-25 16:01:41', '', 431, 'http://reidownpayment.org/431-autosave-v1/', 0, 'revision', '', 0),
(1820, 1, '2017-04-25 16:01:49', '2017-04-25 16:01:49', '[hs-faq-cat id=\"7\"]', 'REI Gift100 Government Loan Program FAQ', '', 'inherit', 'closed', 'closed', '', '431-revision-v1', '', '', '2017-04-25 16:01:49', '2017-04-25 16:01:49', '', 431, 'http://reidownpayment.org/431-revision-v1/', 0, 'revision', '', 0),
(1821, 2, '2017-04-26 14:00:49', '2017-04-26 14:00:49', '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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-04-26 14:00:49', '2017-04-26 14:00:49', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1822, 2, '2017-04-27 13:53:04', '2017-04-27 13:53:04', '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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-04-27 13:53:04', '2017-04-27 13:53:04', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1823, 2, '2017-04-28 13:39:04', '2017-04-28 13:39:04', '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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-04-28 13:39:04', '2017-04-28 13:39:04', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1824, 2, '2017-05-01 13:53:56', '2017-05-01 13:53:56', '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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-05-01 13:53:56', '2017-05-01 13:53:56', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1825, 2, '2017-05-02 14:35:32', '2017-05-02 14:35:32', '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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-05-02 14:35:32', '2017-05-02 14:35:32', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1827, 2, '2017-05-03 13:51:33', '2017-05-03 13:51:33', '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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-05-03 13:51:33', '2017-05-03 13:51:33', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1828, 2, '2017-05-04 13:54:18', '2017-05-04 13:54:18', '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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-05-04 13:54:18', '2017-05-04 13:54:18', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1829, 2, '2017-05-05 14:20:13', '2017-05-05 14:20:13', '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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-05-05 14:20:13', '2017-05-05 14:20:13', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1830, 2, '2017-05-08 15:13:17', '2017-05-08 15:13:17', '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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-05-08 15:13:17', '2017-05-08 15:13:17', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1831, 2, '2017-05-09 13:56:20', '2017-05-09 13:56:20', '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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-05-09 13:56:20', '2017-05-09 13:56:20', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1832, 2, '2017-05-10 13:59:42', '2017-05-10 13:59:42', '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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-05-10 13:59:42', '2017-05-10 13:59:42', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1834, 2, '2017-05-11 13:53:56', '2017-05-11 13:53:56', '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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-05-11 13:53:56', '2017-05-11 13:53:56', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1835, 2, '2017-05-12 13:43:57', '2017-05-12 13:43:57', '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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-05-12 13:43:57', '2017-05-12 13:43:57', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1836, 2, '2017-05-15 14:12:06', '2017-05-15 14:12:06', '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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-05-15 14:12:06', '2017-05-15 14:12:06', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1837, 2, '2017-05-16 14:57:14', '2017-05-16 14:57:14', '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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-05-16 14:57:14', '2017-05-16 14:57:14', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1838, 2, '2017-05-17 13:56:37', '2017-05-17 13:56:37', '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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-05-17 13:56:37', '2017-05-17 13:56:37', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1839, 2, '2017-05-18 15:03:28', '2017-05-18 15:03:28', '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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-05-18 15:03:28', '2017-05-18 15:03:28', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1841, 2, '2017-05-19 13:24:29', '2017-05-19 13:24:29', '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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-05-19 13:24:29', '2017-05-19 13:24:29', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1842, 2, '2017-05-22 14:16:06', '2017-05-22 14:16:06', '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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-05-22 14:16:06', '2017-05-22 14:16:06', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1843, 2, '2017-05-23 14:05:16', '2017-05-23 14:05:16', '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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-05-23 14:05:16', '2017-05-23 14:05:16', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1844, 2, '2017-05-24 14:04:10', '2017-05-24 14:04:10', '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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-05-24 14:04:10', '2017-05-24 14:04:10', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1845, 2, '2017-05-25 14:05:12', '2017-05-25 14:05:12', '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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-05-25 14:05:12', '2017-05-25 14:05:12', '', 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
(1846, 2, '2017-05-26 13:36:35', '2017-05-26 13:36:35', '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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-05-26 13:36:35', '2017-05-26 13:36:35', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1848, 2, '2017-05-30 13:58:05', '2017-05-30 13:58:05', '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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-05-30 13:58:05', '2017-05-30 13:58:05', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1849, 2, '2017-05-30 15:10:02', '2017-05-30 15:10:02', '[hs-faq-cat id=\"7\"]\r\n\r\n&nbsp;\r\n<ul>\r\n 	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2017/04/REI-Gift100-Program-Summary-17.04.18.pdf\" target=\"_blank\">REI Gift100 Program Summary</a></li>\r\n 	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2017/04/2017-Area-Median-Incomes-FHA-VA.pdf\" target=\"_blank\">2017 Area Median Income – Gift100 Program</a></li>\r\n 	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2016/05/Government-Loan-Delivery-Checklist-2.12.16.pdf\" target=\"_blank\">Government Stacking Order</a></li>\r\n 	<li><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a></li>\r\n</ul>\r\n<strong>US Bank Forms &amp; Bulletins:</strong>\r\n<ul>\r\n 	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/05/USB-002-DPA-Form.pdf\" target=\"_blank\">US Bank Down Payment Assistance Form</a></li>\r\n</ul>', 'REI Gift100 Government Loan Program FAQ', '', 'inherit', 'closed', 'closed', '', '431-revision-v1', '', '', '2017-05-30 15:10:02', '2017-05-30 15:10:02', '', 431, 'http://reidownpayment.org/431-revision-v1/', 0, 'revision', '', 0),
(1850, 2, '2017-05-30 15:12:02', '2017-05-30 15:12:02', '[hs-faq-cat id=\"6\"]\r\n\r\n&nbsp;\r\n<ul>\r\n 	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2017/04/REI-Gift100-Conventional-Program-Summary-17.04.18.pdf\" target=\"_blank\">Program Summary</a></li>\r\n 	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2017/04/2017-Area-Median-Incomes-Conventional.pdf\" target=\"_blank\">Income Limits</a></li>\r\n 	<li><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a></li>\r\n</ul>', 'REI Gift100 Conventional Loan Program FAQ', '', 'inherit', 'closed', 'closed', '', '217-revision-v1', '', '', '2017-05-30 15:12:02', '2017-05-30 15:12:02', '', 217, 'http://reidownpayment.org/217-revision-v1/', 0, 'revision', '', 0),
(1851, 2, '2017-05-31 13:43:31', '2017-05-31 13:43:31', '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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-05-31 13:43:31', '2017-05-31 13:43:31', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1852, 2, '2017-06-01 13:58:17', '2017-06-01 13:58:17', '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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-06-01 13:58:17', '2017-06-01 13:58:17', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1853, 2, '2017-06-02 13:48:18', '2017-06-02 13:48:18', '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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-06-02 13:48:18', '2017-06-02 13:48:18', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1854, 2, '2017-06-05 13:55:44', '2017-06-05 13:55:44', '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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-06-05 13:55:44', '2017-06-05 13:55:44', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1855, 2, '2017-06-06 14:30:15', '2017-06-06 14:30:15', '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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-06-06 14:30:15', '2017-06-06 14:30:15', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1857, 2, '2017-06-07 13:54:38', '2017-06-07 13:54:38', '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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-06-07 13:54:38', '2017-06-07 13:54:38', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1858, 2, '2017-06-08 14:33:04', '2017-06-08 14:33:04', '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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-06-08 14:33:04', '2017-06-08 14:33:04', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1859, 2, '2017-06-09 13:57:08', '2017-06-09 13:57:08', '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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-06-09 13:57:08', '2017-06-09 13:57:08', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1860, 2, '2017-06-12 13:31:25', '2017-06-12 13:31:25', '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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-06-12 13:31:25', '2017-06-12 13:31:25', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1861, 2, '2017-06-13 14:14:21', '2017-06-13 14:14:21', '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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-06-13 14:14:21', '2017-06-13 14:14:21', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1862, 2, '2017-06-14 13:54:48', '2017-06-14 13:54:48', '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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-06-14 13:54:48', '2017-06-14 13:54:48', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1864, 2, '2017-06-15 14:19:07', '2017-06-15 14:19:07', '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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-06-15 14:19:07', '2017-06-15 14:19:07', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1865, 2, '2017-06-16 13:50:29', '2017-06-16 13:50:29', '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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-06-16 13:50:29', '2017-06-16 13:50:29', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1866, 2, '2017-06-19 14:16:01', '2017-06-19 14:16:01', '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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-06-19 14:16:01', '2017-06-19 14:16:01', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1867, 2, '2017-06-20 13:41:56', '2017-06-20 13:41:56', '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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-06-20 13:41:56', '2017-06-20 13:41:56', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1868, 2, '2017-06-21 13:49:17', '2017-06-21 13:49:17', '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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-06-21 13:49:17', '2017-06-21 13:49:17', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1869, 2, '2017-06-22 13:52:12', '2017-06-22 13:52:12', '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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-06-22 13:52:12', '2017-06-22 13:52:12', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1871, 2, '2017-06-23 14:05:03', '2017-06-23 14:05:03', '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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-06-23 14:05:03', '2017-06-23 14:05:03', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1872, 2, '2017-06-26 15:39:11', '2017-06-26 15:39:11', '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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-06-26 15:39:11', '2017-06-26 15:39:11', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1873, 2, '2017-06-27 14:19:00', '2017-06-27 14:19:00', '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=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-06-27 14:19:00', '2017-06-27 14:19:00', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1874, 2, '2017-06-28 13:58:29', '2017-06-28 13:58:29', '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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-06-28 13:58:29', '2017-06-28 13:58:29', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1875, 2, '2017-06-29 14:10:03', '2017-06-29 14:10:03', '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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-06-29 14:10:03', '2017-06-29 14:10:03', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1876, 2, '2017-06-30 13:42:07', '2017-06-30 13:42:07', '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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-06-30 13:42:07', '2017-06-30 13:42:07', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1878, 2, '2017-07-03 13:52:06', '2017-07-03 13:52:06', '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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-07-03 13:52:06', '2017-07-03 13:52:06', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1879, 2, '2017-07-05 13:49:29', '2017-07-05 13:49:29', '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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-07-05 13:49:29', '2017-07-05 13:49:29', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1881, 2, '2017-07-06 13:55:42', '2017-07-06 13:55:42', '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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-07-06 13:55:42', '2017-07-06 13:55:42', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1882, 2, '2017-07-07 13:47:28', '2017-07-07 13:47:28', '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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-07-07 13:47:28', '2017-07-07 13:47:28', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1883, 2, '2017-07-10 13:54:12', '2017-07-10 13:54:12', '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=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-07-10 13:54:12', '2017-07-10 13:54:12', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1885, 2, '2017-07-11 14:17:58', '2017-07-11 14:17:58', '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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-07-11 14:17:58', '2017-07-11 14:17:58', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1886, 2, '2017-07-12 14:05:59', '2017-07-12 14:05:59', '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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-07-12 14:05:59', '2017-07-12 14:05:59', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1887, 2, '2017-07-13 14:23:51', '2017-07-13 14:23:51', '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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-07-13 14:23:51', '2017-07-13 14:23:51', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1888, 2, '2017-07-14 13:51:25', '2017-07-14 13:51:25', '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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-07-14 13:51:25', '2017-07-14 13:51:25', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1889, 2, '2017-07-17 14:11:08', '2017-07-17 14:11:08', '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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-07-17 14:11:08', '2017-07-17 14:11:08', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1890, 2, '2017-07-18 13:56:17', '2017-07-18 13:56:17', '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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-07-18 13:56:17', '2017-07-18 13:56:17', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1892, 2, '2017-07-19 13:52:24', '2017-07-19 13:52:24', '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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-07-19 13:52:24', '2017-07-19 13:52:24', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1893, 2, '2017-07-20 14:08:10', '2017-07-20 14:08:10', '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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-07-20 14:08:10', '2017-07-20 14:08:10', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1894, 2, '2017-07-21 13:33:12', '2017-07-21 13:33:12', '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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-07-21 13:33:12', '2017-07-21 13:33:12', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1895, 2, '2017-07-24 13:59:43', '2017-07-24 13:59:43', '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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-07-24 13:59:43', '2017-07-24 13:59:43', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1896, 2, '2017-07-25 14:03:23', '2017-07-25 14:03:23', '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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-07-25 14:03:23', '2017-07-25 14:03:23', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1897, 2, '2017-07-26 14:02:52', '2017-07-26 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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-07-26 14:02:52', '2017-07-26 14:02:52', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1899, 2, '2017-07-27 14:03:58', '2017-07-27 14:03:58', '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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-07-27 14:03:58', '2017-07-27 14:03:58', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1900, 2, '2017-07-28 13:32:45', '2017-07-28 13:32:45', '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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-07-28 13:32:45', '2017-07-28 13:32:45', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1901, 2, '2017-07-31 13:53:07', '2017-07-31 13:53:07', '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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-07-31 13:53:07', '2017-07-31 13:53:07', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1902, 2, '2017-08-01 14:00:45', '2017-08-01 14:00:45', '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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-08-01 14:00:45', '2017-08-01 14:00:45', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1903, 2, '2017-08-02 14:06:23', '2017-08-02 14:06:23', '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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-08-02 14:06:23', '2017-08-02 14:06:23', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1904, 2, '2017-08-03 13:34:19', '2017-08-03 13:34:19', '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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-08-03 13:34:19', '2017-08-03 13:34:19', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1906, 2, '2017-08-04 13:40:05', '2017-08-04 13:40:05', '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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-08-04 13:40:05', '2017-08-04 13:40:05', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1907, 2, '2017-08-07 14:40:05', '2017-08-07 14:40:05', '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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-08-07 14:40:05', '2017-08-07 14:40:05', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1908, 2, '2017-08-08 13:59:30', '2017-08-08 13:59:30', '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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-08-08 13:59:30', '2017-08-08 13:59:30', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1909, 2, '2017-08-09 13:56:16', '2017-08-09 13:56:16', '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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-08-09 13:56:16', '2017-08-09 13:56:16', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1910, 2, '2017-08-10 13:54:25', '2017-08-10 13:54:25', '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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-08-10 13:54:25', '2017-08-10 13:54:25', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1911, 2, '2017-08-11 14:32:54', '2017-08-11 14:32:54', '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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-08-11 14:32:54', '2017-08-11 14:32:54', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1913, 2, '2017-08-14 14:02:52', '2017-08-14 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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-08-14 14:02:52', '2017-08-14 14:02:52', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1914, 2, '2017-08-15 14:02:54', '2017-08-15 14:02:54', '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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-08-15 14:02:54', '2017-08-15 14:02:54', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1915, 2, '2017-08-16 16:34:57', '2017-08-16 16:34:57', '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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-08-16 16:34:57', '2017-08-16 16:34:57', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1916, 2, '2017-08-17 14:01:44', '2017-08-17 14:01:44', '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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-08-17 14:01:44', '2017-08-17 14:01:44', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1917, 2, '2017-08-18 13:48:12', '2017-08-18 13:48:12', '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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-08-18 13:48:12', '2017-08-18 13:48:12', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1918, 2, '2017-08-21 13:51:36', '2017-08-21 13:51:36', '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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-08-21 13:51:36', '2017-08-21 13:51:36', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1920, 2, '2017-08-22 14:00:33', '2017-08-22 14:00:33', '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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-08-22 14:00:33', '2017-08-22 14:00:33', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1921, 2, '2017-08-23 14:09:04', '2017-08-23 14:09:04', '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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-08-23 14:09:04', '2017-08-23 14:09:04', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1922, 2, '2017-08-24 13:56:55', '2017-08-24 13:56:55', '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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-08-24 13:56:55', '2017-08-24 13:56:55', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1923, 2, '2017-08-25 13:44:50', '2017-08-25 13:44:50', '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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-08-25 13:44:50', '2017-08-25 13:44:50', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1924, 2, '2017-08-28 13:58:16', '2017-08-28 13:58:16', '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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-08-28 13:58:16', '2017-08-28 13:58:16', '', 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
(1925, 2, '2017-08-29 13:53:09', '2017-08-29 13:53:09', '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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-08-29 13:53:09', '2017-08-29 13:53:09', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1927, 2, '2017-08-30 13:55:24', '2017-08-30 13:55:24', '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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-08-30 13:55:24', '2017-08-30 13:55:24', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1928, 2, '2017-08-31 14:25:31', '2017-08-31 14:25:31', '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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-08-31 14:25:31', '2017-08-31 14:25:31', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1929, 2, '2017-09-01 14:37:07', '2017-09-01 14:37:07', '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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-09-01 14:37:07', '2017-09-01 14:37:07', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1930, 2, '2017-09-05 14:22:26', '2017-09-05 14:22:26', '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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-09-05 14:22:26', '2017-09-05 14:22:26', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1931, 2, '2017-09-05 14:24:53', '2017-09-05 14:24:53', '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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-09-05 14:24:53', '2017-09-05 14:24:53', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1932, 2, '2017-09-06 14:36:41', '2017-09-06 14:36:41', '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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-09-06 14:36:41', '2017-09-06 14:36:41', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1933, 2, '2017-09-06 20:56:26', '2017-09-06 20:56:26', '', '2017 Area Median Incomes - Freddie Mac Additional Subsidy', '', 'inherit', 'open', 'closed', '', '2017-area-median-incomes-freddie-mac-additional-subsidy', '', '', '2017-09-06 20:56:26', '2017-09-06 20:56:26', '', 0, 'http://reidownpayment.org/wp/wp-content/uploads/2017/09/2017-Area-Median-Incomes-Freddie-Mac-Additional-Subsidy.pdf', 0, 'attachment', 'application/pdf', 0),
(1934, 2, '2017-09-06 20:58:37', '2017-09-06 20:58:37', '[hs-faq-cat id=\"6\"]\r\n\r\n&nbsp;\r\n<ul>\r\n 	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2017/04/REI-Gift100-Conventional-Program-Summary-17.04.18.pdf\" target=\"_blank\">Program Summary</a></li>\r\n 	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2017/04/2017-Area-Median-Incomes-Conventional.pdf\" target=\"_blank\">Income Limits</a></li>\r\n 	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2017/09/2017-Area-Median-Incomes-Freddie-Mac-Additional-Subsidy.pdf\">Income Limits for Additional Subsidy</a></li>\r\n 	<li><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a></li>\r\n</ul>', 'REI Gift100 Conventional Loan Program FAQ', '', 'inherit', 'closed', 'closed', '', '217-revision-v1', '', '', '2017-09-06 20:58:37', '2017-09-06 20:58:37', '', 217, 'http://reidownpayment.org/217-revision-v1/', 0, 'revision', '', 0),
(1935, 2, '2017-09-06 21:02:54', '2017-09-06 21:02:54', '', 'REI DPA Income Limits C Both', '', 'inherit', 'open', 'closed', '', 'rei-dpa-income-limits-c-both', '', '', '2017-09-06 21:02:54', '2017-09-06 21:02:54', '', 0, 'http://reidownpayment.org/wp/wp-content/uploads/2017/09/REI-DPA-Income-Limits-C-Both.pdf', 0, 'attachment', 'application/pdf', 0),
(1936, 2, '2017-09-06 21:06:29', '2017-09-06 21:06:29', '', 'REI Gift100 Conventional Program Summary 17.09', '', 'inherit', 'open', 'closed', '', 'rei-gift100-conventional-program-summary-17-09', '', '', '2017-09-06 21:06:29', '2017-09-06 21:06:29', '', 0, 'http://reidownpayment.org/wp/wp-content/uploads/2017/09/REI-Gift100-Conventional-Program-Summary-17.09.pdf', 0, 'attachment', 'application/pdf', 0),
(1937, 2, '2017-09-06 21:06:31', '2017-09-06 21:06:31', '', 'REI Gift100 Program Summary 17.09', '', 'inherit', 'open', 'closed', '', 'rei-gift100-program-summary-17-09', '', '', '2017-09-06 21:06:31', '2017-09-06 21:06:31', '', 0, 'http://reidownpayment.org/wp/wp-content/uploads/2017/09/REI-Gift100-Program-Summary-17.09.pdf', 0, 'attachment', 'application/pdf', 0),
(1938, 2, '2017-09-06 21:06:54', '2017-09-06 21:06:54', '[hs-faq-cat id=\"6\"]\r\n\r\n&nbsp;\r\n<ul>\r\n 	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2017/09/REI-Gift100-Conventional-Program-Summary-17.09.pdf\" target=\"_blank\">Program Summary</a></li>\r\n 	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2017/04/2017-Area-Median-Incomes-Conventional.pdf\" target=\"_blank\">Income Limits</a></li>\r\n 	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2017/09/2017-Area-Median-Incomes-Freddie-Mac-Additional-Subsidy.pdf\">Income Limits for Additional Subsidy</a></li>\r\n 	<li><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a></li>\r\n</ul>', 'REI Gift100 Conventional Loan Program FAQ', '', 'inherit', 'closed', 'closed', '', '217-revision-v1', '', '', '2017-09-06 21:06:54', '2017-09-06 21:06:54', '', 217, 'http://reidownpayment.org/217-revision-v1/', 0, 'revision', '', 0),
(1939, 2, '2017-09-06 21:07:18', '2017-09-06 21:07:18', '[hs-faq-cat id=\"7\"]\r\n\r\n&nbsp;\r\n<ul>\r\n 	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2017/09/REI-Gift100-Program-Summary-17.09.pdf\" target=\"_blank\">REI Gift100 Program Summary</a></li>\r\n 	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2017/04/2017-Area-Median-Incomes-FHA-VA.pdf\" target=\"_blank\">2017 Area Median Income – Gift100 Program</a></li>\r\n 	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2016/05/Government-Loan-Delivery-Checklist-2.12.16.pdf\" target=\"_blank\">Government Stacking Order</a></li>\r\n 	<li><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a></li>\r\n</ul>\r\n<strong>US Bank Forms &amp; Bulletins:</strong>\r\n<ul>\r\n 	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/05/USB-002-DPA-Form.pdf\" target=\"_blank\">US Bank Down Payment Assistance Form</a></li>\r\n</ul>', 'REI Gift100 Government Loan Program FAQ', '', 'inherit', 'closed', 'closed', '', '431-revision-v1', '', '', '2017-09-06 21:07:18', '2017-09-06 21:07:18', '', 431, 'http://reidownpayment.org/431-revision-v1/', 0, 'revision', '', 0),
(1940, 2, '2017-09-06 21:09:33', '2017-09-06 21:09:33', '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/\" target=\"_blank\">www.reigift100.org</a>.  All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock.  An extension can be purchased if needed. Please see Program Summary for details.', 'What are the first mortgage interest rates?', '', 'inherit', 'closed', 'closed', '', '1816-autosave-v1', '', '', '2017-09-06 21:09:33', '2017-09-06 21:09:33', '', 1816, 'http://reidownpayment.org/1816-autosave-v1/', 0, 'revision', '', 0),
(1942, 2, '2017-09-07 13:18:52', '2017-09-07 13:18:52', '', '2017 Area Median Incomes - Conventional', '', 'inherit', 'open', 'closed', '', '2017-area-median-incomes-conventional-2', '', '', '2017-09-07 13:18:52', '2017-09-07 13:18:52', '', 0, 'http://reidownpayment.org/wp/wp-content/uploads/2017/09/2017-Area-Median-Incomes-Conventional.pdf', 0, 'attachment', 'application/pdf', 0),
(1943, 2, '2017-09-07 13:19:28', '2017-09-07 13:19:28', '', '2017 Area Median Incomes - Conventional Both', '', 'inherit', 'open', 'closed', '', '2017-area-median-incomes-conventional-both', '', '', '2017-09-07 13:19:28', '2017-09-07 13:19:28', '', 0, 'http://reidownpayment.org/wp/wp-content/uploads/2017/09/2017-Area-Median-Incomes-Conventional-Both.pdf', 0, 'attachment', 'application/pdf', 0),
(1944, 2, '2017-09-07 13:20:02', '2017-09-07 13:20:02', '[hs-faq-cat id=\"6\"]\r\n\r\n&nbsp;\r\n<ul>\r\n 	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2017/09/REI-Gift100-Conventional-Program-Summary-17.09.pdf\" target=\"_blank\">Program Summary</a></li>\r\n 	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2017/09/2017-Area-Median-Incomes-Conventional.pdf\" target=\"_blank\">Income Limits</a></li>\r\n 	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2017/09/2017-Area-Median-Incomes-Freddie-Mac-Additional-Subsidy.pdf\">Income Limits for Additional Subsidy</a></li>\r\n 	<li><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a></li>\r\n</ul>', 'REI Gift100 Conventional Loan Program FAQ', '', 'inherit', 'closed', 'closed', '', '217-revision-v1', '', '', '2017-09-07 13:20:02', '2017-09-07 13:20:02', '', 217, 'http://reidownpayment.org/217-revision-v1/', 0, 'revision', '', 0),
(1945, 2, '2017-09-07 13:58:14', '2017-09-07 13:58:14', '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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-09-07 13:58:14', '2017-09-07 13:58:14', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1946, 2, '2019-12-30 22:54:24', '2019-12-30 22:54:24', 'The down payment assistance is in the form of a gift and is based on a percentage of the total first mortgage loan amount.\n<ul>\n 	<li>Amount of assistance is 3.5% or 4.0% of total first mortgage loan amount (determined by the lender).</li>\n 	<li>The funds may be used to fund up to 100% of the borrower’s cash requirement to close, including the down payment, closing costs, pre-paid items and other related mortgage loan fees and expenses. No portion of the gift funds can be paid to the borrower unless the borrower is being reimbursed for an overage of his/her earnest money deposit to the extent the minimum borrower contribution has been satisfied.  Under the rate/term refinance option, any funds above the amount needed to pay the borrower’s loan related costs must be used to reduce the principal amount of the First Mortgage loan.</li>\n 	<li>REI will table fund the gift funds at closing</li>\n</ul>\nSee the program summary and income guidelines, via for more detailed information.\n\n&nbsp;', 'How does DPA work?', '', 'inherit', 'closed', 'closed', '', '1815-autosave-v1', '', '', '2019-12-30 22:54:24', '2019-12-30 22:54:24', '', 1815, 'http://reidownpayment.org/1815-autosave-v1/', 0, 'revision', '', 0),
(1947, 2, '2017-09-08 13:58:46', '2017-09-08 13:58:46', '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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-09-08 13:58:46', '2017-09-08 13:58:46', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1948, 2, '2017-09-11 15:24:40', '2017-09-11 15:24:40', '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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-09-11 15:24:40', '2017-09-11 15:24:40', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1949, 2, '2017-09-12 13:54:57', '2017-09-12 13:54:57', '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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-09-12 13:54:57', '2017-09-12 13:54:57', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1950, 2, '2017-09-13 15:03:33', '2017-09-13 15:03:33', '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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-09-13 15:03:33', '2017-09-13 15:03:33', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1951, 2, '2017-09-14 14:34:19', '2017-09-14 14:34:19', '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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-09-14 14:34:19', '2017-09-14 14:34:19', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1953, 2, '2017-09-15 14:04:36', '2017-09-15 14:04:36', '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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-09-15 14:04:36', '2017-09-15 14:04:36', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1954, 2, '2017-09-18 13:50:49', '2017-09-18 13:50:49', '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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-09-18 13:50:49', '2017-09-18 13:50:49', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1955, 2, '2017-09-19 15:14:28', '2017-09-19 15:14:28', '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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-09-19 15:14:28', '2017-09-19 15:14:28', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1956, 2, '2017-09-20 14:23:34', '2017-09-20 14:23:34', '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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-09-20 14:23:34', '2017-09-20 14:23:34', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1957, 2, '2017-09-21 19:17:12', '2017-09-21 19:17:12', '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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-09-21 19:17:12', '2017-09-21 19:17:12', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1958, 2, '2017-09-22 13:56:09', '2017-09-22 13:56:09', '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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-09-22 13:56:09', '2017-09-22 13:56:09', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1960, 2, '2017-09-25 14:00:30', '2017-09-25 14:00:30', '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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-09-25 14:00:30', '2017-09-25 14:00:30', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1961, 2, '2017-09-26 14:17:02', '2017-09-26 14:17:02', '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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-09-26 14:17:02', '2017-09-26 14:17:02', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1962, 2, '2017-09-27 13:55:15', '2017-09-27 13:55:15', '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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-09-27 13:55:15', '2017-09-27 13:55:15', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1963, 2, '2017-09-28 14:28:24', '2017-09-28 14:28:24', '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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-09-28 14:28:24', '2017-09-28 14:28:24', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1964, 2, '2017-09-29 13:40:01', '2017-09-29 13:40:01', '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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-09-29 13:40:01', '2017-09-29 13:40:01', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1965, 2, '2017-09-29 13:40:12', '2017-09-29 13:40:12', '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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-09-29 13:40:12', '2017-09-29 13:40:12', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1967, 2, '2017-10-02 14:12:53', '2017-10-02 14:12:53', '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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-10-02 14:12:53', '2017-10-02 14:12:53', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1968, 2, '2017-10-02 14:43:56', '2017-10-02 14:43:56', '', 'REI Gift100 Conventional Program Summary 17.09.05', '', 'inherit', 'open', 'closed', '', 'rei-gift100-conventional-program-summary-17-09-05', '', '', '2017-10-02 14:43:56', '2017-10-02 14:43:56', '', 0, 'http://reidownpayment.org/wp/wp-content/uploads/2017/10/REI-Gift100-Conventional-Program-Summary-17.09.05.pdf', 0, 'attachment', 'application/pdf', 0),
(1969, 2, '2017-10-02 14:52:16', '2017-10-02 14:52:16', '[hs-faq-cat id=\"6\"]\r\n\r\n&nbsp;\r\n<ul>\r\n 	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2017/10/REI-Gift100-Conventional-Program-Summary-17.09.05.pdf\" target=\"_blank\">Program Summary</a></li>\r\n 	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2017/09/2017-Area-Median-Incomes-Conventional.pdf\" target=\"_blank\">Income Limits</a></li>\r\n 	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2017/09/2017-Area-Median-Incomes-Freddie-Mac-Additional-Subsidy.pdf\">Income Limits for Additional Subsidy</a></li>\r\n 	<li><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a></li>\r\n</ul>', 'REI Gift100 Conventional Loan Program FAQ', '', 'inherit', 'closed', 'closed', '', '217-revision-v1', '', '', '2017-10-02 14:52:16', '2017-10-02 14:52:16', '', 217, 'http://reidownpayment.org/217-revision-v1/', 0, 'revision', '', 0),
(1971, 2, '2017-10-03 13:51:56', '2017-10-03 13:51:56', '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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-10-03 13:51:56', '2017-10-03 13:51:56', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1972, 2, '2017-10-04 13:58:41', '2017-10-04 13:58:41', '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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-10-04 13:58:41', '2017-10-04 13:58:41', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1973, 2, '2017-10-05 13:52:39', '2017-10-05 13:52:39', '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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-10-05 13:52:39', '2017-10-05 13:52:39', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1974, 2, '2017-10-06 14:40:43', '2017-10-06 14:40:43', '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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-10-06 14:40:43', '2017-10-06 14:40:43', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1975, 2, '2017-10-10 13:51:15', '2017-10-10 13:51:15', '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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-10-10 13:51:15', '2017-10-10 13:51:15', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1977, 2, '2017-10-11 13:54:51', '2017-10-11 13:54:51', '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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-10-11 13:54:51', '2017-10-11 13:54:51', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1978, 2, '2017-10-12 14:14:24', '2017-10-12 14:14:24', '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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-10-12 14:14:24', '2017-10-12 14:14:24', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1979, 2, '2017-10-13 14:16:15', '2017-10-13 14:16:15', '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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-10-13 14:16:15', '2017-10-13 14:16:15', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1980, 2, '2017-10-16 14:01:44', '2017-10-16 14:01:44', '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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-10-16 14:01:44', '2017-10-16 14:01:44', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1981, 2, '2017-10-17 14:00:03', '2017-10-17 14:00:03', '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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-10-17 14:00:03', '2017-10-17 14:00:03', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1982, 2, '2017-10-18 13:50:55', '2017-10-18 13:50:55', '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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-10-18 13:50:55', '2017-10-18 13:50:55', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1984, 2, '2017-10-19 14:11:20', '2017-10-19 14:11:20', '', 'REI Gift100 Program Summary 17.10.18', '', 'inherit', 'open', 'closed', '', 'rei-gift100-program-summary-17-10-18', '', '', '2017-10-19 14:11:20', '2017-10-19 14:11:20', '', 0, 'http://reidownpayment.org/wp/wp-content/uploads/2017/10/REI-Gift100-Program-Summary-17.10.18.pdf', 0, 'attachment', 'application/pdf', 0),
(1985, 2, '2017-10-19 14:11:20', '2017-10-19 14:11:20', '', 'REI Gift100 Conventional Program Summary 17.10.18', '', 'inherit', 'open', 'closed', '', 'rei-gift100-conventional-program-summary-17-10-18', '', '', '2017-10-19 14:11:20', '2017-10-19 14:11:20', '', 0, 'http://reidownpayment.org/wp/wp-content/uploads/2017/10/REI-Gift100-Conventional-Program-Summary-17.10.18.pdf', 0, 'attachment', 'application/pdf', 0),
(1987, 2, '2017-10-19 14:13:46', '2017-10-19 14:13:46', '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 – 0.06250 Points</li>\r\n 	<li>15 Days – 0.12500 Points</li>\r\n 	<li>22 Days – 0.18750 Points</li>\r\n 	<li>30 Days – 0.2500 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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-10-19 14:13:46', '2017-10-19 14:13:46', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1988, 2, '2017-10-19 14:15:10', '2017-10-19 14:15:10', '[hs-faq-cat id=\"6\"]\r\n\r\n&nbsp;\r\n<ul>\r\n 	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2017/10/REI-Gift100-Conventional-Program-Summary-17.10.18.pdf\" target=\"_blank\">Program Summary</a></li>\r\n 	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2017/09/2017-Area-Median-Incomes-Conventional.pdf\" target=\"_blank\">Income Limits</a></li>\r\n 	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2017/09/2017-Area-Median-Incomes-Freddie-Mac-Additional-Subsidy.pdf\">Income Limits for Additional Subsidy</a></li>\r\n 	<li><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a></li>\r\n</ul>', 'REI Gift100 Conventional Loan Program FAQ', '', 'inherit', 'closed', 'closed', '', '217-revision-v1', '', '', '2017-10-19 14:15:10', '2017-10-19 14:15:10', '', 217, 'http://reidownpayment.org/217-revision-v1/', 0, 'revision', '', 0),
(1989, 2, '2017-10-19 14:15:33', '2017-10-19 14:15:33', '[hs-faq-cat id=\"7\"]\r\n\r\n&nbsp;\r\n<ul>\r\n 	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2017/10/REI-Gift100-Program-Summary-17.10.18.pdf\" target=\"_blank\">REI Gift100 Program Summary</a></li>\r\n 	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2017/04/2017-Area-Median-Incomes-FHA-VA.pdf\" target=\"_blank\">2017 Area Median Income – Gift100 Program</a></li>\r\n 	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2016/05/Government-Loan-Delivery-Checklist-2.12.16.pdf\" target=\"_blank\">Government Stacking Order</a></li>\r\n 	<li><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a></li>\r\n</ul>\r\n<strong>US Bank Forms &amp; Bulletins:</strong>\r\n<ul>\r\n 	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/05/USB-002-DPA-Form.pdf\" target=\"_blank\">US Bank Down Payment Assistance Form</a></li>\r\n</ul>', 'REI Gift100 Government Loan Program FAQ', '', 'inherit', 'closed', 'closed', '', '431-revision-v1', '', '', '2017-10-19 14:15:33', '2017-10-19 14:15:33', '', 431, 'http://reidownpayment.org/431-revision-v1/', 0, 'revision', '', 0),
(1990, 2, '2017-10-20 14:17:46', '2017-10-20 14:17:46', '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 – 0.06250 Points</li>\r\n 	<li>15 Days – 0.12500 Points</li>\r\n 	<li>22 Days – 0.18750 Points</li>\r\n 	<li>30 Days – 0.2500 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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-10-20 14:17:46', '2017-10-20 14:17:46', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1991, 2, '2017-10-23 13:56:00', '2017-10-23 13:56:00', '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 – 0.06250 Points</li>\r\n 	<li>15 Days – 0.12500 Points</li>\r\n 	<li>22 Days – 0.18750 Points</li>\r\n 	<li>30 Days – 0.2500 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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-10-23 13:56:00', '2017-10-23 13:56:00', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1993, 2, '2017-10-24 14:05:15', '2017-10-24 14:05:15', '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 – 0.06250 Points</li>\r\n 	<li>15 Days – 0.12500 Points</li>\r\n 	<li>22 Days – 0.18750 Points</li>\r\n 	<li>30 Days – 0.2500 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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-10-24 14:05:15', '2017-10-24 14:05:15', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1994, 2, '2017-10-24 18:41:21', '2017-10-24 18:41:21', '', 'hamiltons website', '', 'inherit', 'open', 'closed', '', 'hamiltons-website', '', '', '2017-10-24 18:42:24', '2017-10-24 18:42:24', '', 5, 'http://reidownpayment.org/wp/wp-content/uploads/2017/10/hamiltons-website.png', 0, 'attachment', 'image/png', 0),
(1995, 2, '2017-10-24 18:42:49', '2017-10-24 18:42:49', '&nbsp;\r\n\r\n<strong>Kimberly and Ryan Hamilton<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2017/10/hamiltons-website.png\"><img class=\"size-medium wp-image-1994 alignright\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2017/10/hamiltons-website-300x300.png\" alt=\"hamiltons website\" width=\"300\" height=\"300\" data-id=\"1994\" /></a></strong>\r\n\r\nKimberly and Ryan rented a house their whole life until recently. Saving for the down payment was what always held them back from buying a home. They learned about REI Down Payment Assistance from a co-worker. “Our mortgage company was in contact with REI and we did not have to do any extra paperwork. Their gift allowed us to keep all the money we initially saved for the down payment and because of this we are nearing our second dream of being debt free. Thank you from the bottom of our hearts!”\r\n\r\nREI DPA programs help buyers overcome the initial cost of a home purchase. Roughly 90% of people using our program are first time homebuyers, and the average amount of assistance is $5,000. We are very proud that we have helped more than 5,500 Oklahoma families purchase a home.\r\n\r\nFor more information about the REI Down Payment Assistance program, call 800-658-2823.\r\n\r\n&nbsp;\r\n\r\n&nbsp;\r\n\r\n<strong>Howard and Faye Abernathy</strong>\r\n\r\nFamily means something to retired Oklahoma educators Howard and F<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2016/04/abernathys.jpg\"><img class=\"size-medium wp-image-91 alignright\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2016/04/abernathys.jpg\" alt=\"success-pic-1\" width=\"300\" height=\"300\" /></a>aye Abernathy. That’s why, several years back, they dropped everything and moved from Muskogee to Okay to care for Howard’s elderly mother. After his mother passed, Howard and Faye wondered if they would ever be able to return to Muskogee, where they had built their life together.\r\n\r\nThey wanted to buy a home, but with their age, they just didn’t think it would happen. The Abernathy’s needed a house that could accommodate their family during the holidays, but one that wouldn’t generate immense utility bills. The couple looked at house after house, and finally found the perfect one. To help them overcome the hurdle so many potential homebuyers face of gathering the necessary up-front cash, their mortgage banker turned to REI Down Payment Assistance.\r\n\r\nBeing back in Muskogee has meant so many good things for them both - Howard’s lawn care business has flourished and so has his domino game. Being in town gives Faye the chance to do things she enjoys, like volunteering and keeping up with friends.\r\n\r\nFor more information about the REI Down Payment Assistance program, call <a>800-658-2823</a>.\r\n\r\n&nbsp;\r\n\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/success-pic-1.png\"><img class=\"size-medium wp-image-91 alignright\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/success-pic-1-300x300.png\" alt=\"success-pic-1\" width=\"300\" height=\"300\" /></a>\r\n\r\n<strong>Dean and Brendyn Oldham</strong>\r\n\r\nAfter experiencing life as renters, Dean and Brendyn Oldham knew they were ready for their own home. Newly married and with a baby on the way, they wanted to find a place that met their unique needs; a yard for their dogs, no roommates, freedom to renovate, room for a nursery, and a more accommodating monthly payment. The Oldham’s lender, Linda Dickerson from Exchange Bank in Stillwater, referred the couple to REI Oklahoma. They decided an FHA-insured loan utilizing the REI Down Payment Assistance program was the best option. This loan provided so much assistance that the Oldhams paid little money out of pocket and were even reimbursed for a small portion of the payment.\r\n\r\nThe young couple became official homeowners on November 2, 2012, and they are very happy in their new home. Since the move, the couple has stayed busy; Dean works full time and is studying to obtain a doctorate degree and Brendyn has begun preparing for the baby’s arrival. As a result of the financial assistance they received from REI Down Payment Assistance, Dean and Brendyn saved enough money to decorate the new nursery and complete other home renovations. Since Brendyn’s father is in construction, they also have plans to renovate their kitchen in the near future.\r\n\r\nFor more information about the REI Down Payment Assistance program, call <a>800-658-2823</a>.\r\n\r\n&nbsp;\r\n\r\n<strong><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/success-pic-2.png\"><img class=\"size-medium wp-image-92 alignright\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/success-pic-2-300x300.png\" alt=\"success-pic-2\" width=\"300\" height=\"300\" /></a>Tommy Branch</strong>\r\n\r\nTommy Branch, a former resident of Austin, Texas, recently accessed the REI Down Payment Assistance program to help him move into a new house in Owen Park, a neighborhood in Tulsa’s historic district.  Moving from a one-bedroom apartment to a 1,065 square-foot house was a journey he knew he could not undertake alone.  After going through the process of searching for a house, working with lender Drew Dossey from The Lending Partners in Tulsa, and receiving support from REI Down Payment Assistance, Tommy praised his lender for being so helpful and making the process extremely easy, and said he would recommend the program without hesitation.\r\n\r\nOne of the best benefits of Tommy’s move is that his new house payment is less than the rent for his apartment. He loves his new neighborhood and its proximity to downtown Tulsa. Although he is responsible for more upkeep and maintenance as a homeowner than he would be as an apartment renter, his experience has been great.\r\n\r\nTommy said, “Taking care of something that belongs to you can be more satisfying than cleaning up an apartment!”\r\n\r\nFor more information about the REI Down Payment Assistance program, call <a>800-658-2823</a>.', 'Success Stories', '', 'inherit', 'closed', 'closed', '', '5-revision-v1', '', '', '2017-10-24 18:42:49', '2017-10-24 18:42:49', '', 5, 'http://reidownpayment.org/5-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
(1996, 2, '2017-10-25 14:08:19', '2017-10-25 14:08:19', '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 – 0.06250 Points</li>\r\n 	<li>15 Days – 0.12500 Points</li>\r\n 	<li>22 Days – 0.18750 Points</li>\r\n 	<li>30 Days – 0.2500 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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-10-25 14:08:19', '2017-10-25 14:08:19', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1997, 2, '2017-10-25 16:06:03', '2017-10-25 16:06:03', '', 'Barnes', '', 'inherit', 'open', 'closed', '', 'barnes', '', '', '2017-10-25 16:06:36', '2017-10-25 16:06:36', '', 5, 'http://reidownpayment.org/wp/wp-content/uploads/2017/10/Barnes.png', 0, 'attachment', 'image/png', 0),
(1998, 2, '2017-10-25 16:07:23', '2017-10-25 16:07:23', '&nbsp;\r\n\r\n<strong>Kimberly and Ryan Hamilton<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2017/10/hamiltons-website.png\"><img class=\"size-medium wp-image-1994 alignright\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2017/10/hamiltons-website-300x300.png\" alt=\"hamiltons website\" width=\"300\" height=\"300\" data-id=\"1994\" /></a></strong>\r\n\r\nKimberly and Ryan rented a house their whole life until recently. Saving for the down payment was what always held them back from buying a home. They learned about REI Down Payment Assistance from a co-worker. “Our mortgage company was in contact with REI and we did not have to do any extra paperwork. Their gift allowed us to keep all the money we initially saved for the down payment and because of this we are nearing our second dream of being debt free. Thank you from the bottom of our hearts!”\r\n\r\nREI DPA programs help buyers overcome the initial cost of a home purchase. Roughly 90% of people using our program are first time homebuyers, and the average amount of assistance is $5,000. We are very proud that we have helped more than 5,500 Oklahoma families purchase a home.\r\n\r\nFor more information about the REI Down Payment Assistance program, call 800-658-2823.\r\n\r\n&nbsp;\r\n\r\n<strong>Prince and Shekira Barnes<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2017/10/Barnes.png\"><img class=\"alignright size-full wp-image-1997\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2017/10/Barnes.png\" alt=\"Barnes\" width=\"300\" height=\"300\" data-id=\"1997\" /></a></strong>\r\n\r\nFor Prince and Shekira Barnes, their home buying adventure began by going to get a paper every Sunday, and thumbing through it to find the home of their dreams.  They eventually found a few houses that they liked, and started visiting with local realtors and lenders in the Muskogee area.  The couple had rented and owned a mobile home in the past, but they were really wanting a place they could personalize and make their own.\r\n\r\nAs with most folks, they were a little concerned about the complexities of buying a home and Prince spent some time searching online for resources to help them through the process.  That’s when he discovered REI Down Payment Assistance, and the rest is history.  Prince admits that he was a little surprised at how well the program worked and how easy it was to use.\r\n\r\nNow, with a little help from REI Down Payment Assistance, they are creating an investment for their family instead of throwing money away on rent each month and Shekira has a place to create a family tree mural on the living room wall.\r\n\r\nFor more information about the REI Down Payment Assistance program, call 800-658-2823.\r\n\r\n&nbsp;\r\n\r\n<strong>Howard and Faye Abernathy</strong>\r\n\r\nFamily means something to retired Oklahoma educators Howard and F<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2016/04/abernathys.jpg\"><img class=\"size-medium wp-image-91 alignright\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2016/04/abernathys.jpg\" alt=\"success-pic-1\" width=\"300\" height=\"300\" /></a>aye Abernathy. That’s why, several years back, they dropped everything and moved from Muskogee to Okay to care for Howard’s elderly mother. After his mother passed, Howard and Faye wondered if they would ever be able to return to Muskogee, where they had built their life together.\r\n\r\nThey wanted to buy a home, but with their age, they just didn’t think it would happen. The Abernathy’s needed a house that could accommodate their family during the holidays, but one that wouldn’t generate immense utility bills. The couple looked at house after house, and finally found the perfect one. To help them overcome the hurdle so many potential homebuyers face of gathering the necessary up-front cash, their mortgage banker turned to REI Down Payment Assistance.\r\n\r\nBeing back in Muskogee has meant so many good things for them both - Howard’s lawn care business has flourished and so has his domino game. Being in town gives Faye the chance to do things she enjoys, like volunteering and keeping up with friends.\r\n\r\nFor more information about the REI Down Payment Assistance program, call <a>800-658-2823</a>.\r\n\r\n&nbsp;\r\n\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/success-pic-1.png\"><img class=\"size-medium wp-image-91 alignright\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/success-pic-1-300x300.png\" alt=\"success-pic-1\" width=\"300\" height=\"300\" /></a>\r\n\r\n<strong>Dean and Brendyn Oldham</strong>\r\n\r\nAfter experiencing life as renters, Dean and Brendyn Oldham knew they were ready for their own home. Newly married and with a baby on the way, they wanted to find a place that met their unique needs; a yard for their dogs, no roommates, freedom to renovate, room for a nursery, and a more accommodating monthly payment. The Oldham’s lender, Linda Dickerson from Exchange Bank in Stillwater, referred the couple to REI Oklahoma. They decided an FHA-insured loan utilizing the REI Down Payment Assistance program was the best option. This loan provided so much assistance that the Oldhams paid little money out of pocket and were even reimbursed for a small portion of the payment.\r\n\r\nThe young couple became official homeowners on November 2, 2012, and they are very happy in their new home. Since the move, the couple has stayed busy; Dean works full time and is studying to obtain a doctorate degree and Brendyn has begun preparing for the baby’s arrival. As a result of the financial assistance they received from REI Down Payment Assistance, Dean and Brendyn saved enough money to decorate the new nursery and complete other home renovations. Since Brendyn’s father is in construction, they also have plans to renovate their kitchen in the near future.\r\n\r\nFor more information about the REI Down Payment Assistance program, call <a>800-658-2823</a>.\r\n\r\n&nbsp;\r\n\r\n<strong><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/success-pic-2.png\"><img class=\"size-medium wp-image-92 alignright\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/success-pic-2-300x300.png\" alt=\"success-pic-2\" width=\"300\" height=\"300\" /></a>Tommy Branch</strong>\r\n\r\nTommy Branch, a former resident of Austin, Texas, recently accessed the REI Down Payment Assistance program to help him move into a new house in Owen Park, a neighborhood in Tulsa’s historic district.  Moving from a one-bedroom apartment to a 1,065 square-foot house was a journey he knew he could not undertake alone.  After going through the process of searching for a house, working with lender Drew Dossey from The Lending Partners in Tulsa, and receiving support from REI Down Payment Assistance, Tommy praised his lender for being so helpful and making the process extremely easy, and said he would recommend the program without hesitation.\r\n\r\nOne of the best benefits of Tommy’s move is that his new house payment is less than the rent for his apartment. He loves his new neighborhood and its proximity to downtown Tulsa. Although he is responsible for more upkeep and maintenance as a homeowner than he would be as an apartment renter, his experience has been great.\r\n\r\nTommy said, “Taking care of something that belongs to you can be more satisfying than cleaning up an apartment!”\r\n\r\nFor more information about the REI Down Payment Assistance program, call <a>800-658-2823</a>.', 'Success Stories', '', 'inherit', 'closed', 'closed', '', '5-revision-v1', '', '', '2017-10-25 16:07:23', '2017-10-25 16:07:23', '', 5, 'http://reidownpayment.org/5-revision-v1/', 0, 'revision', '', 0),
(1999, 2, '2017-10-26 13:51:09', '2017-10-26 13:51:09', '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 – 0.06250 Points</li>\r\n 	<li>15 Days – 0.12500 Points</li>\r\n 	<li>22 Days – 0.18750 Points</li>\r\n 	<li>30 Days – 0.2500 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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-10-26 13:51:09', '2017-10-26 13:51:09', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(2001, 2, '2017-10-27 14:09:27', '2017-10-27 14:09:27', '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 – 0.06250 Points</li>\r\n 	<li>15 Days – 0.12500 Points</li>\r\n 	<li>22 Days – 0.18750 Points</li>\r\n 	<li>30 Days – 0.2500 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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-10-27 14:09:27', '2017-10-27 14:09:27', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(2002, 2, '2017-10-30 14:03:05', '2017-10-30 14:03:05', '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 – 0.06250 Points</li>\r\n 	<li>15 Days – 0.12500 Points</li>\r\n 	<li>22 Days – 0.18750 Points</li>\r\n 	<li>30 Days – 0.2500 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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-10-30 14:03:05', '2017-10-30 14:03:05', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(2003, 2, '2017-10-31 14:06:00', '2017-10-31 14:06:00', '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 – 0.06250 Points</li>\r\n 	<li>15 Days – 0.12500 Points</li>\r\n 	<li>22 Days – 0.18750 Points</li>\r\n 	<li>30 Days – 0.2500 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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-10-31 14:06:00', '2017-10-31 14:06:00', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(2004, 2, '2017-11-01 14:03:54', '2017-11-01 14:03:54', '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 – 0.06250 Points</li>\r\n 	<li>15 Days – 0.12500 Points</li>\r\n 	<li>22 Days – 0.18750 Points</li>\r\n 	<li>30 Days – 0.2500 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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-11-01 14:03:54', '2017-11-01 14:03:54', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(2005, 2, '2017-11-02 14:47:55', '2017-11-02 14:47:55', '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 – 0.06250 Points</li>\r\n 	<li>15 Days – 0.12500 Points</li>\r\n 	<li>22 Days – 0.18750 Points</li>\r\n 	<li>30 Days – 0.2500 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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-11-02 14:47:55', '2017-11-02 14:47:55', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(2007, 2, '2017-11-03 15:00:44', '2017-11-03 15:00:44', '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 – 0.06250 Points</li>\r\n 	<li>15 Days – 0.12500 Points</li>\r\n 	<li>22 Days – 0.18750 Points</li>\r\n 	<li>30 Days – 0.2500 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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-11-03 15:00:44', '2017-11-03 15:00:44', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(2009, 2, '2017-11-06 15:01:21', '2017-11-06 15:01:21', '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 – 0.06250 Points</li>\r\n 	<li>15 Days – 0.12500 Points</li>\r\n 	<li>22 Days – 0.18750 Points</li>\r\n 	<li>30 Days – 0.2500 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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-11-06 15:01:21', '2017-11-06 15:01:21', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(2010, 2, '2017-11-07 14:59:51', '2017-11-07 14:59:51', '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 – 0.06250 Points</li>\r\n 	<li>15 Days – 0.12500 Points</li>\r\n 	<li>22 Days – 0.18750 Points</li>\r\n 	<li>30 Days – 0.2500 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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-11-07 14:59:51', '2017-11-07 14:59:51', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(2011, 2, '2017-11-08 15:21:15', '2017-11-08 15:21:15', '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 – 0.06250 Points</li>\r\n 	<li>15 Days – 0.12500 Points</li>\r\n 	<li>22 Days – 0.18750 Points</li>\r\n 	<li>30 Days – 0.2500 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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-11-08 15:21:15', '2017-11-08 15:21:15', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(2012, 2, '2017-11-09 14:47:30', '2017-11-09 14:47:30', '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 – 0.06250 Points</li>\r\n 	<li>15 Days – 0.12500 Points</li>\r\n 	<li>22 Days – 0.18750 Points</li>\r\n 	<li>30 Days – 0.2500 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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-11-09 14:47:30', '2017-11-09 14:47:30', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(2013, 2, '2017-11-10 14:58:22', '2017-11-10 14:58:22', '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 – 0.06250 Points</li>\r\n 	<li>15 Days – 0.12500 Points</li>\r\n 	<li>22 Days – 0.18750 Points</li>\r\n 	<li>30 Days – 0.2500 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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-11-10 14:58:22', '2017-11-10 14:58:22', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(2014, 2, '2017-11-13 15:15:39', '2017-11-13 15:15:39', '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 – 0.06250 Points</li>\r\n 	<li>15 Days – 0.12500 Points</li>\r\n 	<li>22 Days – 0.18750 Points</li>\r\n 	<li>30 Days – 0.2500 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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-11-13 15:15:39', '2017-11-13 15:15:39', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(2016, 2, '2017-11-14 15:06:26', '2017-11-14 15:06:26', '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 – 0.06250 Points</li>\r\n 	<li>15 Days – 0.12500 Points</li>\r\n 	<li>22 Days – 0.18750 Points</li>\r\n 	<li>30 Days – 0.2500 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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-11-14 15:06:26', '2017-11-14 15:06:26', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(2017, 2, '2017-11-15 14:58:01', '2017-11-15 14:58:01', '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 – 0.06250 Points</li>\r\n 	<li>15 Days – 0.12500 Points</li>\r\n 	<li>22 Days – 0.18750 Points</li>\r\n 	<li>30 Days – 0.2500 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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-11-15 14:58:01', '2017-11-15 14:58:01', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(2018, 2, '2017-11-16 15:02:52', '2017-11-16 15:02:52', '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 – 0.06250 Points</li>\r\n 	<li>15 Days – 0.12500 Points</li>\r\n 	<li>22 Days – 0.18750 Points</li>\r\n 	<li>30 Days – 0.2500 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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-11-16 15:02:52', '2017-11-16 15:02:52', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(2019, 2, '2017-11-17 14:58:40', '2017-11-17 14:58:40', '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 – 0.06250 Points</li>\r\n 	<li>15 Days – 0.12500 Points</li>\r\n 	<li>22 Days – 0.18750 Points</li>\r\n 	<li>30 Days – 0.2500 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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-11-17 14:58:40', '2017-11-17 14:58:40', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(2020, 2, '2017-11-20 15:01:10', '2017-11-20 15:01:10', '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 – 0.06250 Points</li>\r\n 	<li>15 Days – 0.12500 Points</li>\r\n 	<li>22 Days – 0.18750 Points</li>\r\n 	<li>30 Days – 0.2500 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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-11-20 15:01:10', '2017-11-20 15:01:10', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(2021, 2, '2017-11-21 15:06:44', '2017-11-21 15:06:44', '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 – 0.06250 Points</li>\r\n 	<li>15 Days – 0.12500 Points</li>\r\n 	<li>22 Days – 0.18750 Points</li>\r\n 	<li>30 Days – 0.2500 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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-11-21 15:06:44', '2017-11-21 15:06:44', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(2023, 2, '2017-11-22 15:39:49', '2017-11-22 15:39:49', '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 – 0.06250 Points</li>\r\n 	<li>15 Days – 0.12500 Points</li>\r\n 	<li>22 Days – 0.18750 Points</li>\r\n 	<li>30 Days – 0.2500 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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-11-22 15:39:49', '2017-11-22 15:39:49', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(2024, 2, '2017-11-27 15:14:32', '2017-11-27 15:14:32', '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 – 0.06250 Points</li>\r\n 	<li>15 Days – 0.12500 Points</li>\r\n 	<li>22 Days – 0.18750 Points</li>\r\n 	<li>30 Days – 0.2500 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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-11-27 15:14:32', '2017-11-27 15:14:32', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(2025, 2, '2017-11-28 15:01:21', '2017-11-28 15:01:21', '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 – 0.06250 Points</li>\r\n 	<li>15 Days – 0.12500 Points</li>\r\n 	<li>22 Days – 0.18750 Points</li>\r\n 	<li>30 Days – 0.2500 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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-11-28 15:01:21', '2017-11-28 15:01:21', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(2026, 2, '2017-11-29 14:58:21', '2017-11-29 14:58:21', '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 – 0.06250 Points</li>\r\n 	<li>15 Days – 0.12500 Points</li>\r\n 	<li>22 Days – 0.18750 Points</li>\r\n 	<li>30 Days – 0.2500 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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-11-29 14:58:21', '2017-11-29 14:58:21', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(2028, 2, '2017-11-30 16:24:14', '2017-11-30 16:24:14', '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 – 0.06250 Points</li>\r\n 	<li>15 Days – 0.12500 Points</li>\r\n 	<li>22 Days – 0.18750 Points</li>\r\n 	<li>30 Days – 0.2500 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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-11-30 16:24:14', '2017-11-30 16:24:14', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(2029, 2, '2017-12-01 17:15:09', '2017-12-01 17:15:09', '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 – 0.06250 Points</li>\r\n 	<li>15 Days – 0.12500 Points</li>\r\n 	<li>22 Days – 0.18750 Points</li>\r\n 	<li>30 Days – 0.2500 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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-12-01 17:15:09', '2017-12-01 17:15:09', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(2030, 2, '2017-12-04 15:29:02', '2017-12-04 15:29:02', '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 – 0.06250 Points</li>\r\n 	<li>15 Days – 0.12500 Points</li>\r\n 	<li>22 Days – 0.18750 Points</li>\r\n 	<li>30 Days – 0.2500 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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-12-04 15:29:02', '2017-12-04 15:29:02', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(2031, 2, '2017-12-05 15:03:40', '2017-12-05 15:03:40', '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 – 0.06250 Points</li>\r\n 	<li>15 Days – 0.12500 Points</li>\r\n 	<li>22 Days – 0.18750 Points</li>\r\n 	<li>30 Days – 0.2500 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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-12-05 15:03:40', '2017-12-05 15:03:40', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(2032, 2, '2017-12-06 15:03:29', '2017-12-06 15:03:29', '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 – 0.06250 Points</li>\r\n 	<li>15 Days – 0.12500 Points</li>\r\n 	<li>22 Days – 0.18750 Points</li>\r\n 	<li>30 Days – 0.2500 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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-12-06 15:03:29', '2017-12-06 15:03:29', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(2033, 2, '2017-12-07 15:15:57', '2017-12-07 15:15:57', '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 – 0.06250 Points</li>\r\n 	<li>15 Days – 0.12500 Points</li>\r\n 	<li>22 Days – 0.18750 Points</li>\r\n 	<li>30 Days – 0.2500 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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-12-07 15:15:57', '2017-12-07 15:15:57', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(2034, 2, '2017-12-08 15:06:24', '2017-12-08 15:06:24', '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 – 0.06250 Points</li>\r\n 	<li>15 Days – 0.12500 Points</li>\r\n 	<li>22 Days – 0.18750 Points</li>\r\n 	<li>30 Days – 0.2500 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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-12-08 15:06:24', '2017-12-08 15:06:24', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(2036, 2, '2017-12-11 14:54:24', '2017-12-11 14:54:24', '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 – 0.06250 Points</li>\r\n 	<li>15 Days – 0.12500 Points</li>\r\n 	<li>22 Days – 0.18750 Points</li>\r\n 	<li>30 Days – 0.2500 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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-12-11 14:54:24', '2017-12-11 14:54:24', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(2037, 2, '2017-12-12 15:06:56', '2017-12-12 15:06:56', '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 – 0.06250 Points</li>\r\n 	<li>15 Days – 0.12500 Points</li>\r\n 	<li>22 Days – 0.18750 Points</li>\r\n 	<li>30 Days – 0.2500 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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-12-12 15:06:56', '2017-12-12 15:06:56', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(2038, 2, '2017-12-13 14:57:21', '2017-12-13 14:57:21', '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 – 0.06250 Points</li>\r\n 	<li>15 Days – 0.12500 Points</li>\r\n 	<li>22 Days – 0.18750 Points</li>\r\n 	<li>30 Days – 0.2500 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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-12-13 14:57:21', '2017-12-13 14:57:21', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(2039, 2, '2017-12-14 14:54:37', '2017-12-14 14:54:37', '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 – 0.06250 Points</li>\r\n 	<li>15 Days – 0.12500 Points</li>\r\n 	<li>22 Days – 0.18750 Points</li>\r\n 	<li>30 Days – 0.2500 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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-12-14 14:54:37', '2017-12-14 14:54:37', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(2040, 2, '2017-12-15 15:24:25', '2017-12-15 15:24:25', '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 – 0.06250 Points</li>\r\n 	<li>15 Days – 0.12500 Points</li>\r\n 	<li>22 Days – 0.18750 Points</li>\r\n 	<li>30 Days – 0.2500 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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-12-15 15:24:25', '2017-12-15 15:24:25', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(2041, 2, '2017-12-18 14:49:08', '2017-12-18 14:49:08', '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 – 0.06250 Points</li>\r\n 	<li>15 Days – 0.12500 Points</li>\r\n 	<li>22 Days – 0.18750 Points</li>\r\n 	<li>30 Days – 0.2500 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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-12-18 14:49:08', '2017-12-18 14:49:08', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(2043, 2, '2017-12-19 14:49:10', '2017-12-19 14:49:10', '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 – 0.06250 Points</li>\r\n 	<li>15 Days – 0.12500 Points</li>\r\n 	<li>22 Days – 0.18750 Points</li>\r\n 	<li>30 Days – 0.2500 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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-12-19 14:49:10', '2017-12-19 14:49:10', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(2044, 2, '2017-12-20 15:18:09', '2017-12-20 15:18:09', '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 – 0.06250 Points</li>\r\n 	<li>15 Days – 0.12500 Points</li>\r\n 	<li>22 Days – 0.18750 Points</li>\r\n 	<li>30 Days – 0.2500 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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-12-20 15:18:09', '2017-12-20 15:18:09', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(2045, 2, '2017-12-21 15:00:04', '2017-12-21 15:00:04', '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 – 0.06250 Points</li>\r\n 	<li>15 Days – 0.12500 Points</li>\r\n 	<li>22 Days – 0.18750 Points</li>\r\n 	<li>30 Days – 0.2500 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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-12-21 15:00:04', '2017-12-21 15:00:04', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(2046, 2, '2017-12-22 15:19:33', '2017-12-22 15:19:33', '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 – 0.06250 Points</li>\r\n 	<li>15 Days – 0.12500 Points</li>\r\n 	<li>22 Days – 0.18750 Points</li>\r\n 	<li>30 Days – 0.2500 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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-12-22 15:19:33', '2017-12-22 15:19:33', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(2048, 2, '2017-12-27 14:55:46', '2017-12-27 14:55:46', '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 – 0.06250 Points</li>\r\n 	<li>15 Days – 0.12500 Points</li>\r\n 	<li>22 Days – 0.18750 Points</li>\r\n 	<li>30 Days – 0.2500 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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-12-27 14:55:46', '2017-12-27 14:55:46', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(2049, 2, '2017-12-28 14:59:28', '2017-12-28 14:59:28', '<strong>Please sign up for our newsletter.</strong>\r\n\r\n[contact-form-7 id=\"270\" title=\"Newsletter signup\"]', 'Newsletter Sign up', '', 'inherit', 'closed', 'closed', '', '271-revision-v1', '', '', '2017-12-28 14:59:28', '2017-12-28 14:59:28', '', 271, 'http://reidownpayment.org/271-revision-v1/', 0, 'revision', '', 0),
(2050, 2, '2017-12-28 14:59:28', '2017-12-28 14:59:28', '', 'Loan Calculator', '', 'inherit', 'closed', 'closed', '', '84-revision-v1', '', '', '2017-12-28 14:59:28', '2017-12-28 14:59:28', '', 84, 'http://reidownpayment.org/84-revision-v1/', 0, 'revision', '', 0),
(2051, 2, '2017-12-28 14:59:28', '2017-12-28 14:59:28', 'This is an example page. It\'s different from a blog post because it will stay in one place and will show up in your site navigation (in most themes). Most people start with an About page that introduces them to potential site visitors. It might say something like this:\n\n<blockquote>Hi there! I\'m a bike messenger by day, aspiring actor by night, and this is my blog. I live in Los Angeles, have a great dog named Jack, and I like pi&#241;a coladas. (And gettin\' caught in the rain.)</blockquote>\n\n...or something like this:\n\n<blockquote>The XYZ Doohickey Company was founded in 1971, and has been providing quality doohickeys to the public ever since. Located in Gotham City, XYZ employs over 2,000 people and does all kinds of awesome things for the Gotham community.</blockquote>\n\nAs a new WordPress user, you should go to <a href=\"http://reidownpayment.org/wp/wp-admin/\">your dashboard</a> to delete this page and create new pages for your content. Have fun!', 'Sample Page', '', 'inherit', 'closed', 'closed', '', '2-revision-v1', '', '', '2017-12-28 14:59:28', '2017-12-28 14:59:28', '', 2, 'http://reidownpayment.org/2-revision-v1/', 0, 'revision', '', 0),
(2052, 2, '2017-12-28 14:59:57', '2017-12-28 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 – 0.06250 Points</li>\r\n 	<li>15 Days – 0.12500 Points</li>\r\n 	<li>22 Days – 0.18750 Points</li>\r\n 	<li>30 Days – 0.2500 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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-12-28 14:59:57', '2017-12-28 14:59:57', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(2053, 2, '2017-12-28 15:06:13', '2017-12-28 15:06:13', '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 – 0.06250 Points</li>\r\n 	<li>15 Days – 0.12500 Points</li>\r\n 	<li>22 Days – 0.18750 Points</li>\r\n 	<li>30 Days – 0.2500 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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-12-28 15:06:13', '2017-12-28 15:06:13', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(2054, 2, '2017-12-29 15:06:16', '2017-12-29 15:06:16', '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 – 0.06250 Points</li>\r\n 	<li>15 Days – 0.12500 Points</li>\r\n 	<li>22 Days – 0.18750 Points</li>\r\n 	<li>30 Days – 0.2500 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', 'closed', 'closed', '', '215-revision-v1', '', '', '2017-12-29 15:06:16', '2017-12-29 15:06:16', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(2055, 2, '2018-01-02 15:06:44', '2018-01-02 15:06:44', '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 – 0.06250 Points</li>\r\n 	<li>15 Days – 0.12500 Points</li>\r\n 	<li>22 Days – 0.18750 Points</li>\r\n 	<li>30 Days – 0.2500 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', 'closed', 'closed', '', '215-revision-v1', '', '', '2018-01-02 15:06:44', '2018-01-02 15:06:44', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(2056, 2, '2018-01-03 14:46:14', '2018-01-03 14:46:14', '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 – 0.06250 Points</li>\r\n 	<li>15 Days – 0.12500 Points</li>\r\n 	<li>22 Days – 0.18750 Points</li>\r\n 	<li>30 Days – 0.2500 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', 'closed', 'closed', '', '215-revision-v1', '', '', '2018-01-03 14:46:14', '2018-01-03 14:46:14', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(2058, 2, '2018-01-04 14:16:43', '2018-01-04 14:16:43', '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 – 0.06250 Points</li>\r\n 	<li>15 Days – 0.12500 Points</li>\r\n 	<li>22 Days – 0.18750 Points</li>\r\n 	<li>30 Days – 0.2500 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', 'closed', 'closed', '', '215-revision-v1', '', '', '2018-01-04 14:16:43', '2018-01-04 14:16:43', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(2059, 2, '2018-01-05 14:51:08', '2018-01-05 14:51:08', '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 – 0.06250 Points</li>\r\n 	<li>15 Days – 0.12500 Points</li>\r\n 	<li>22 Days – 0.18750 Points</li>\r\n 	<li>30 Days – 0.2500 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', 'closed', 'closed', '', '215-revision-v1', '', '', '2018-01-05 14:51:08', '2018-01-05 14:51:08', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(2060, 2, '2018-01-05 15:03:48', '2018-01-05 15:03:48', '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 – 0.06250 Points</li>\r\n 	<li>15 Days – 0.12500 Points</li>\r\n 	<li>22 Days – 0.18750 Points</li>\r\n 	<li>30 Days – 0.2500 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', 'closed', 'closed', '', '215-revision-v1', '', '', '2018-01-05 15:03:48', '2018-01-05 15:03:48', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(2061, 2, '2018-01-08 15:04:19', '2018-01-08 15:04:19', '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 – 0.06250 Points</li>\r\n 	<li>15 Days – 0.12500 Points</li>\r\n 	<li>22 Days – 0.18750 Points</li>\r\n 	<li>30 Days – 0.2500 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', 'closed', 'closed', '', '215-revision-v1', '', '', '2018-01-08 15:04:19', '2018-01-08 15:04:19', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(2062, 2, '2018-01-09 15:02:21', '2018-01-09 15:02:21', '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 – 0.06250 Points</li>\r\n 	<li>15 Days – 0.12500 Points</li>\r\n 	<li>22 Days – 0.18750 Points</li>\r\n 	<li>30 Days – 0.2500 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', 'closed', 'closed', '', '215-revision-v1', '', '', '2018-01-09 15:02:21', '2018-01-09 15:02:21', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(2063, 2, '2018-01-10 15:00:53', '2018-01-10 15:00:53', '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 – 0.06250 Points</li>\r\n 	<li>15 Days – 0.12500 Points</li>\r\n 	<li>22 Days – 0.18750 Points</li>\r\n 	<li>30 Days – 0.2500 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', 'closed', 'closed', '', '215-revision-v1', '', '', '2018-01-10 15:00:53', '2018-01-10 15:00:53', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(2064, 2, '2018-01-11 15:11:01', '2018-01-11 15:11:01', '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 – 0.06250 Points</li>\r\n 	<li>15 Days – 0.12500 Points</li>\r\n 	<li>22 Days – 0.18750 Points</li>\r\n 	<li>30 Days – 0.2500 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', 'closed', 'closed', '', '215-revision-v1', '', '', '2018-01-11 15:11:01', '2018-01-11 15:11:01', '', 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
(2065, 2, '2018-01-11 15:11:13', '2018-01-11 15:11:13', '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 – 0.06250 Points</li>\r\n 	<li>15 Days – 0.12500 Points</li>\r\n 	<li>22 Days – 0.18750 Points</li>\r\n 	<li>30 Days – 0.2500 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', 'closed', 'closed', '', '215-revision-v1', '', '', '2018-01-11 15:11:13', '2018-01-11 15:11:13', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(2067, 2, '2018-01-12 16:36:31', '2018-01-12 16:36:31', '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 – 0.06250 Points</li>\r\n 	<li>15 Days – 0.12500 Points</li>\r\n 	<li>22 Days – 0.18750 Points</li>\r\n 	<li>30 Days – 0.2500 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', 'closed', 'closed', '', '215-revision-v1', '', '', '2018-01-12 16:36:31', '2018-01-12 16:36:31', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(2068, 2, '2018-01-16 15:03:09', '2018-01-16 15:03:09', '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 – 0.06250 Points</li>\r\n 	<li>15 Days – 0.12500 Points</li>\r\n 	<li>22 Days – 0.18750 Points</li>\r\n 	<li>30 Days – 0.2500 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', 'closed', 'closed', '', '215-revision-v1', '', '', '2018-01-16 15:03:09', '2018-01-16 15:03:09', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(2069, 2, '2018-01-18 15:31:13', '2018-01-18 15:31:13', '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 – 0.06250 Points</li>\r\n 	<li>15 Days – 0.12500 Points</li>\r\n 	<li>22 Days – 0.18750 Points</li>\r\n 	<li>30 Days – 0.2500 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', 'closed', 'closed', '', '215-revision-v1', '', '', '2018-01-18 15:31:13', '2018-01-18 15:31:13', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(2071, 2, '2018-01-22 15:10:54', '2018-01-22 15:10:54', '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 – 0.06250 Points</li>\r\n 	<li>15 Days – 0.12500 Points</li>\r\n 	<li>22 Days – 0.18750 Points</li>\r\n 	<li>30 Days – 0.2500 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', 'closed', 'closed', '', '215-revision-v1', '', '', '2018-01-22 15:10:54', '2018-01-22 15:10:54', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(2072, 2, '2018-01-23 15:03:23', '2018-01-23 15:03:23', '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 – 0.06250 Points</li>\r\n 	<li>15 Days – 0.12500 Points</li>\r\n 	<li>22 Days – 0.18750 Points</li>\r\n 	<li>30 Days – 0.2500 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', 'closed', 'closed', '', '215-revision-v1', '', '', '2018-01-23 15:03:23', '2018-01-23 15:03:23', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(2073, 2, '2018-01-24 16:18:07', '2018-01-24 16:18:07', '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 – 0.06250 Points</li>\r\n 	<li>15 Days – 0.12500 Points</li>\r\n 	<li>22 Days – 0.18750 Points</li>\r\n 	<li>30 Days – 0.2500 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', 'closed', 'closed', '', '215-revision-v1', '', '', '2018-01-24 16:18:07', '2018-01-24 16:18:07', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(2074, 2, '2018-01-25 14:59:46', '2018-01-25 14:59:46', '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 – 0.06250 Points</li>\r\n 	<li>15 Days – 0.12500 Points</li>\r\n 	<li>22 Days – 0.18750 Points</li>\r\n 	<li>30 Days – 0.2500 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', 'closed', 'closed', '', '215-revision-v1', '', '', '2018-01-25 14:59:46', '2018-01-25 14:59:46', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(2075, 2, '2018-01-26 15:02:35', '2018-01-26 15:02:35', '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 – 0.06250 Points</li>\r\n 	<li>15 Days – 0.12500 Points</li>\r\n 	<li>22 Days – 0.18750 Points</li>\r\n 	<li>30 Days – 0.2500 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', 'closed', 'closed', '', '215-revision-v1', '', '', '2018-01-26 15:02:35', '2018-01-26 15:02:35', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(2076, 2, '2018-01-29 14:56:15', '2018-01-29 14:56:15', '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 – 0.06250 Points</li>\r\n 	<li>15 Days – 0.12500 Points</li>\r\n 	<li>22 Days – 0.18750 Points</li>\r\n 	<li>30 Days – 0.2500 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', 'closed', 'closed', '', '215-revision-v1', '', '', '2018-01-29 14:56:15', '2018-01-29 14:56:15', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(2078, 2, '2018-01-30 16:36:20', '2018-01-30 16:36:20', '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 – 0.06250 Points</li>\r\n 	<li>15 Days – 0.12500 Points</li>\r\n 	<li>22 Days – 0.18750 Points</li>\r\n 	<li>30 Days – 0.2500 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', 'closed', 'closed', '', '215-revision-v1', '', '', '2018-01-30 16:36:20', '2018-01-30 16:36:20', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(2079, 2, '2018-01-31 15:02:06', '2018-01-31 15:02:06', '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 – 0.06250 Points</li>\r\n 	<li>15 Days – 0.12500 Points</li>\r\n 	<li>22 Days – 0.18750 Points</li>\r\n 	<li>30 Days – 0.2500 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', 'closed', 'closed', '', '215-revision-v1', '', '', '2018-01-31 15:02:06', '2018-01-31 15:02:06', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(2080, 2, '2018-02-01 14:55:31', '2018-02-01 14:55:31', '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 – 0.06250 Points</li>\r\n 	<li>15 Days – 0.12500 Points</li>\r\n 	<li>22 Days – 0.18750 Points</li>\r\n 	<li>30 Days – 0.2500 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', 'closed', 'closed', '', '215-revision-v1', '', '', '2018-02-01 14:55:31', '2018-02-01 14:55:31', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(2081, 2, '2018-02-02 14:47:56', '2018-02-02 14:47:56', '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 – 0.06250 Points</li>\r\n 	<li>15 Days – 0.12500 Points</li>\r\n 	<li>22 Days – 0.18750 Points</li>\r\n 	<li>30 Days – 0.2500 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', 'closed', 'closed', '', '215-revision-v1', '', '', '2018-02-02 14:47:56', '2018-02-02 14:47:56', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(2082, 2, '2018-02-05 14:50:45', '2018-02-05 14:50:45', '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 – 0.06250 Points</li>\r\n 	<li>15 Days – 0.12500 Points</li>\r\n 	<li>22 Days – 0.18750 Points</li>\r\n 	<li>30 Days – 0.2500 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', 'closed', 'closed', '', '215-revision-v1', '', '', '2018-02-05 14:50:45', '2018-02-05 14:50:45', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(2083, 2, '2018-02-06 15:04:08', '2018-02-06 15:04:08', '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 – 0.06250 Points</li>\r\n 	<li>15 Days – 0.12500 Points</li>\r\n 	<li>22 Days – 0.18750 Points</li>\r\n 	<li>30 Days – 0.2500 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', 'closed', 'closed', '', '215-revision-v1', '', '', '2018-02-06 15:04:08', '2018-02-06 15:04:08', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(2084, 2, '2018-02-07 15:17:15', '2018-02-07 15:17:15', '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 – 0.06250 Points</li>\r\n 	<li>15 Days – 0.12500 Points</li>\r\n 	<li>22 Days – 0.18750 Points</li>\r\n 	<li>30 Days – 0.2500 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', 'closed', 'closed', '', '215-revision-v1', '', '', '2018-02-07 15:17:15', '2018-02-07 15:17:15', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(2086, 2, '2018-02-08 14:58:47', '2018-02-08 14:58:47', '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 – 0.06250 Points</li>\r\n 	<li>15 Days – 0.12500 Points</li>\r\n 	<li>22 Days – 0.18750 Points</li>\r\n 	<li>30 Days – 0.2500 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', 'closed', 'closed', '', '215-revision-v1', '', '', '2018-02-08 14:58:47', '2018-02-08 14:58:47', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(2087, 2, '2018-02-09 15:15:22', '2018-02-09 15:15:22', '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 – 0.06250 Points</li>\r\n 	<li>15 Days – 0.12500 Points</li>\r\n 	<li>22 Days – 0.18750 Points</li>\r\n 	<li>30 Days – 0.2500 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', 'closed', 'closed', '', '215-revision-v1', '', '', '2018-02-09 15:15:22', '2018-02-09 15:15:22', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(2088, 2, '2018-02-12 15:04:41', '2018-02-12 15:04:41', '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 – 0.06250 Points</li>\r\n 	<li>15 Days – 0.12500 Points</li>\r\n 	<li>22 Days – 0.18750 Points</li>\r\n 	<li>30 Days – 0.2500 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', 'closed', 'closed', '', '215-revision-v1', '', '', '2018-02-12 15:04:41', '2018-02-12 15:04:41', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(2089, 2, '2018-02-13 14:44:24', '2018-02-13 14:44:24', '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 – 0.06250 Points</li>\r\n 	<li>15 Days – 0.12500 Points</li>\r\n 	<li>22 Days – 0.18750 Points</li>\r\n 	<li>30 Days – 0.2500 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', 'closed', 'closed', '', '215-revision-v1', '', '', '2018-02-13 14:44:24', '2018-02-13 14:44:24', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(2090, 2, '2018-02-14 15:03:34', '2018-02-14 15:03:34', '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 – 0.06250 Points</li>\r\n 	<li>15 Days – 0.12500 Points</li>\r\n 	<li>22 Days – 0.18750 Points</li>\r\n 	<li>30 Days – 0.2500 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', 'closed', 'closed', '', '215-revision-v1', '', '', '2018-02-14 15:03:34', '2018-02-14 15:03:34', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(2091, 2, '2018-02-15 14:50:25', '2018-02-15 14:50:25', '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 – 0.06250 Points</li>\r\n 	<li>15 Days – 0.12500 Points</li>\r\n 	<li>22 Days – 0.18750 Points</li>\r\n 	<li>30 Days – 0.2500 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', 'closed', 'closed', '', '215-revision-v1', '', '', '2018-02-15 14:50:25', '2018-02-15 14:50:25', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(2093, 2, '2018-02-16 14:52:24', '2018-02-16 14:52:24', '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 – 0.06250 Points</li>\r\n 	<li>15 Days – 0.12500 Points</li>\r\n 	<li>22 Days – 0.18750 Points</li>\r\n 	<li>30 Days – 0.2500 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', 'closed', 'closed', '', '215-revision-v1', '', '', '2018-02-16 14:52:24', '2018-02-16 14:52:24', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(2094, 2, '2018-02-16 17:12:54', '2018-02-16 17:12:54', '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 – 0.06250 Points</li>\r\n 	<li>15 Days – 0.12500 Points</li>\r\n 	<li>22 Days – 0.18750 Points</li>\r\n 	<li>30 Days – 0.2500 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', 'closed', 'closed', '', '215-revision-v1', '', '', '2018-02-16 17:12:54', '2018-02-16 17:12:54', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(2095, 2, '2018-02-20 15:14:50', '2018-02-20 15:14:50', '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 – 0.06250 Points</li>\r\n 	<li>15 Days – 0.12500 Points</li>\r\n 	<li>22 Days – 0.18750 Points</li>\r\n 	<li>30 Days – 0.2500 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', 'closed', 'closed', '', '215-revision-v1', '', '', '2018-02-20 15:14:50', '2018-02-20 15:14:50', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(2096, 2, '2018-02-21 15:09:33', '2018-02-21 15:09:33', '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 – 0.06250 Points</li>\r\n 	<li>15 Days – 0.12500 Points</li>\r\n 	<li>22 Days – 0.18750 Points</li>\r\n 	<li>30 Days – 0.2500 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', 'closed', 'closed', '', '215-revision-v1', '', '', '2018-02-21 15:09:33', '2018-02-21 15:09:33', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(2097, 2, '2018-02-21 19:03:59', '2018-02-21 19:03:59', '', 'download button dpa-01', '', 'inherit', 'open', 'closed', '', 'download-button-dpa-01', '', '', '2018-02-21 19:04:48', '2018-02-21 19:04:48', '', 2098, 'http://reidownpayment.org/wp/wp-content/uploads/2018/02/download-button-dpa-01.jpg', 0, 'attachment', 'image/jpeg', 0),
(2098, 2, '2018-02-21 19:06:14', '2018-02-21 19:06:14', '<h1 style=\"text-align: center;\"><strong>Thank you for you signing up! Check your email to confirm your subscription.</strong></h1>\r\n<h2 style=\"text-align: center;\">Download our 10 Steps to Home Ownership below.</h2>\r\n&nbsp;\r\n\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2016/09/REI-DPA-Steps-to-Buying-a-Home.pdf\" target=\"_blank\"><img class=\"aligncenter size-medium wp-image-2097\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2018/02/download-button-dpa-01-300x105.jpg\" alt=\"download button dpa-01\" width=\"300\" height=\"105\" data-id=\"2097\" /></a>', '', '', 'publish', 'closed', 'closed', '', 'thankyou', '', '', '2018-02-21 19:26:13', '2018-02-21 19:26:13', '', 6, 'http://reidownpayment.org/?page_id=2098', 0, 'page', '', 0),
(2099, 2, '2018-02-21 19:06:14', '2018-02-21 19:06:14', '<h1 style=\"text-align: center;\">Thank you for you signing up! Check your email to confirm your subscription.\r\nDownload our free Business Startup Guide below!</h1>\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2016/09/REI-DPA-Steps-to-Buying-a-Home.pdf\" target=\"_blank\"><img class=\"aligncenter size-medium wp-image-2097\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2018/02/download-button-dpa-01-300x105.jpg\" alt=\"download button dpa-01\" width=\"300\" height=\"105\" data-id=\"2097\" /></a>', 'thankyou', '', 'inherit', 'closed', 'closed', '', '2098-revision-v1', '', '', '2018-02-21 19:06:14', '2018-02-21 19:06:14', '', 2098, 'http://reidownpayment.org/2098-revision-v1/', 0, 'revision', '', 0),
(2100, 2, '2018-02-21 19:07:10', '2018-02-21 19:07:10', '<h1 style=\"text-align: center;\">Thank you for you signing up! Check your email to confirm your subscription.\r\nDownload our 10 Steps to Buying a Home Guide below!</h1>\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2016/09/REI-DPA-Steps-to-Buying-a-Home.pdf\" target=\"_blank\"><img class=\"aligncenter size-medium wp-image-2097\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2018/02/download-button-dpa-01-300x105.jpg\" alt=\"download button dpa-01\" width=\"300\" height=\"105\" data-id=\"2097\" /></a>', 'thankyou', '', 'inherit', 'closed', 'closed', '', '2098-revision-v1', '', '', '2018-02-21 19:07:10', '2018-02-21 19:07:10', '', 2098, 'http://reidownpayment.org/2098-revision-v1/', 0, 'revision', '', 0),
(2101, 2, '2018-02-21 19:07:41', '2018-02-21 19:07:41', '<h2 style=\"text-align: center;\">Thank you for you signing up! Check your email to confirm your subscription.</h2>\r\n<h1 style=\"text-align: center;\">Download our 10 Steps to Buying a Home Guide below!</h1>\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2016/09/REI-DPA-Steps-to-Buying-a-Home.pdf\" target=\"_blank\"><img class=\"aligncenter size-medium wp-image-2097\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2018/02/download-button-dpa-01-300x105.jpg\" alt=\"download button dpa-01\" width=\"300\" height=\"105\" data-id=\"2097\" /></a>', 'thankyou', '', 'inherit', 'closed', 'closed', '', '2098-revision-v1', '', '', '2018-02-21 19:07:41', '2018-02-21 19:07:41', '', 2098, 'http://reidownpayment.org/2098-revision-v1/', 0, 'revision', '', 0),
(2102, 2, '2018-02-21 19:09:11', '2018-02-21 19:09:11', '<h2 style=\"text-align: center;\">Thank you for you confirming your email!</h2>\r\n<h1 style=\"text-align: center;\">Download our 10 Steps to Home Ownership Guide below!</h1>\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2016/09/REI-DPA-Steps-to-Buying-a-Home.pdf\" target=\"_blank\"><img class=\"aligncenter size-medium wp-image-2097\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2018/02/download-button-dpa-01-300x105.jpg\" alt=\"download button dpa-01\" width=\"300\" height=\"105\" data-id=\"2097\" /></a>', '', '', 'publish', 'closed', 'closed', '', 'thankyou2', '', '', '2018-02-21 19:26:32', '2018-02-21 19:26:32', '', 6, 'http://reidownpayment.org/?page_id=2102', 0, 'page', '', 0),
(2103, 2, '2018-02-21 19:09:11', '2018-02-21 19:09:11', '<h2 style=\"text-align: center;\">Thank you for you confirming your email!</h2>\r\n<h1 style=\"text-align: center;\">Download our 10 Steps to Buying a Home Guide below!</h1>\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2016/09/REI-DPA-Steps-to-Buying-a-Home.pdf\" target=\"_blank\"><img class=\"aligncenter size-medium wp-image-2097\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2018/02/download-button-dpa-01-300x105.jpg\" alt=\"download button dpa-01\" width=\"300\" height=\"105\" data-id=\"2097\" /></a>', 'thankyou2', '', 'inherit', 'closed', 'closed', '', '2102-revision-v1', '', '', '2018-02-21 19:09:11', '2018-02-21 19:09:11', '', 2102, 'http://reidownpayment.org/2102-revision-v1/', 0, 'revision', '', 0),
(2104, 2, '2018-02-21 19:21:32', '2018-02-21 19:21:32', '<div lang=\"EN-US\">\r\n<p style=\"text-align: left;\">The REI Gift100 program provides first mortgage financing and down payment/closing cost assistance to eligible borrowers in the state of Oklahoma.  The down payment/closing cost assistance is in the form of a gift to the borrower.  There are no liens, deed restrictions, or second mortgages filed against the property when utilizing the REI Gift100.  The program is created to fulfill REI’s mission to provide housing opportunities to low income individuals and families. REI is a 501(c)3 Non-profit organization.</p>\r\n<p style=\"text-align: left;\">REI works with lender’s across the state to provide down payment assistance of 3.5% or 5% of the total first mortgage loan amount to eligible individuals and families.  Please click on the <a href=\"http://reidownpayment.org/home-buyers/home-buyer-faq/\" target=\"_blank\">Frequently Asked Questions</a> for more detailed information.</p>\r\n\r\n</div>\r\n<p style=\"text-align: left;\"><!-- BEGIN: Benchmark Email Signup Form Code --><script type=\"text/javascript\" id=\"lbscript1030439\" src=\"https://www.benchmarkemail.com/code/lbformnew.js?mFcQnoBFKMT7x43TOIn97cgJdt4KRNs4aWB0LvxqG4kyJGUMI8Y2Hw%253D%253D\"></script>\r\n<noscript>Please enable JavaScript\r\n</noscript>\r\n<!-- END: Benchmark Email Signup Form Code -->', 'Home Buyers', '', 'inherit', 'closed', 'closed', '', '6-revision-v1', '', '', '2018-02-21 19:21:32', '2018-02-21 19:21:32', '', 6, 'http://reidownpayment.org/6-revision-v1/', 0, 'revision', '', 0),
(2105, 2, '2018-02-21 19:23:04', '2018-02-21 19:23:04', '<h2 style=\"text-align: center;\">Thank you for you signing up! Check your email to confirm your subscription.</h2>\r\n<h1 style=\"text-align: center;\">Download our 10 Steps to Buying a Home Guide below!</h1>\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2016/09/REI-DPA-Steps-to-Buying-a-Home.pdf\" target=\"_blank\"><img class=\"aligncenter size-medium wp-image-2097\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2018/02/download-button-dpa-01-300x105.jpg\" alt=\"download button dpa-01\" width=\"300\" height=\"105\" data-id=\"2097\" /></a>', '', '', 'inherit', 'closed', 'closed', '', '2098-revision-v1', '', '', '2018-02-21 19:23:04', '2018-02-21 19:23:04', '', 2098, 'http://reidownpayment.org/2098-revision-v1/', 0, 'revision', '', 0),
(2106, 2, '2018-02-21 19:23:24', '2018-02-21 19:23:24', '<h1 style=\"text-align: center;\">Thank you for you signing up! Check your email to confirm your subscription.</h1>\r\n<h1 style=\"text-align: center;\">Download our 10 Steps to Buying a Home Guide below!</h1>\r\n&nbsp;\r\n\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2016/09/REI-DPA-Steps-to-Buying-a-Home.pdf\" target=\"_blank\"><img class=\"aligncenter size-medium wp-image-2097\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2018/02/download-button-dpa-01-300x105.jpg\" alt=\"download button dpa-01\" width=\"300\" height=\"105\" data-id=\"2097\" /></a>', '', '', 'inherit', 'closed', 'closed', '', '2098-revision-v1', '', '', '2018-02-21 19:23:24', '2018-02-21 19:23:24', '', 2098, 'http://reidownpayment.org/2098-revision-v1/', 0, 'revision', '', 0),
(2107, 2, '2018-02-21 19:24:19', '2018-02-21 19:24:19', '<h1 style=\"text-align: center;\">Thank you for you signing up! Check your email to confirm your subscription.</h1>\r\n<h2 style=\"text-align: center;\">\r\nDownload our 10 Steps to Buying a Home Guide below.</h2>\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2016/09/REI-DPA-Steps-to-Buying-a-Home.pdf\" target=\"_blank\"><img class=\"aligncenter size-medium wp-image-2097\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2018/02/download-button-dpa-01-300x105.jpg\" alt=\"download button dpa-01\" width=\"300\" height=\"105\" data-id=\"2097\" /></a>', '', '', 'inherit', 'closed', 'closed', '', '2098-revision-v1', '', '', '2018-02-21 19:24:19', '2018-02-21 19:24:19', '', 2098, 'http://reidownpayment.org/2098-revision-v1/', 0, 'revision', '', 0),
(2108, 2, '2018-02-21 19:25:31', '2018-02-21 19:25:31', '<h1 style=\"text-align: center;\"><strong>Thank you for you signing up! Check your email to confirm your subscription.</strong></h1>\r\n<h2 style=\"text-align: center;\">Download our 10 Steps to Buying a Home Guide below.</h2>\r\n&nbsp;\r\n\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2016/09/REI-DPA-Steps-to-Buying-a-Home.pdf\" target=\"_blank\"><img class=\"aligncenter size-medium wp-image-2097\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2018/02/download-button-dpa-01-300x105.jpg\" alt=\"download button dpa-01\" width=\"300\" height=\"105\" data-id=\"2097\" /></a>', '', '', 'inherit', 'closed', 'closed', '', '2098-autosave-v1', '', '', '2018-02-21 19:25:31', '2018-02-21 19:25:31', '', 2098, 'http://reidownpayment.org/2098-autosave-v1/', 0, 'revision', '', 0),
(2109, 2, '2018-02-21 19:25:47', '2018-02-21 19:25:47', '<h1 style=\"text-align: center;\"><strong>Thank you for you signing up! Check your email to confirm your subscription.</strong></h1>\r\n<h2 style=\"text-align: center;\">Download our 10 Steps to Buying a Home Guide below.</h2>\r\n&nbsp;\r\n\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2016/09/REI-DPA-Steps-to-Buying-a-Home.pdf\" target=\"_blank\"><img class=\"aligncenter size-medium wp-image-2097\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2018/02/download-button-dpa-01-300x105.jpg\" alt=\"download button dpa-01\" width=\"300\" height=\"105\" data-id=\"2097\" /></a>', '', '', 'inherit', 'closed', 'closed', '', '2098-revision-v1', '', '', '2018-02-21 19:25:47', '2018-02-21 19:25:47', '', 2098, 'http://reidownpayment.org/2098-revision-v1/', 0, 'revision', '', 0),
(2110, 2, '2018-02-21 19:26:13', '2018-02-21 19:26:13', '<h1 style=\"text-align: center;\"><strong>Thank you for you signing up! Check your email to confirm your subscription.</strong></h1>\r\n<h2 style=\"text-align: center;\">Download our 10 Steps to Home Ownership below.</h2>\r\n&nbsp;\r\n\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2016/09/REI-DPA-Steps-to-Buying-a-Home.pdf\" target=\"_blank\"><img class=\"aligncenter size-medium wp-image-2097\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2018/02/download-button-dpa-01-300x105.jpg\" alt=\"download button dpa-01\" width=\"300\" height=\"105\" data-id=\"2097\" /></a>', '', '', 'inherit', 'closed', 'closed', '', '2098-revision-v1', '', '', '2018-02-21 19:26:13', '2018-02-21 19:26:13', '', 2098, 'http://reidownpayment.org/2098-revision-v1/', 0, 'revision', '', 0),
(2111, 2, '2018-02-21 19:26:32', '2018-02-21 19:26:32', '<h2 style=\"text-align: center;\">Thank you for you confirming your email!</h2>\r\n<h1 style=\"text-align: center;\">Download our 10 Steps to Home Ownership Guide below!</h1>\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2016/09/REI-DPA-Steps-to-Buying-a-Home.pdf\" target=\"_blank\"><img class=\"aligncenter size-medium wp-image-2097\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2018/02/download-button-dpa-01-300x105.jpg\" alt=\"download button dpa-01\" width=\"300\" height=\"105\" data-id=\"2097\" /></a>', '', '', 'inherit', 'closed', 'closed', '', '2102-revision-v1', '', '', '2018-02-21 19:26:32', '2018-02-21 19:26:32', '', 2102, 'http://reidownpayment.org/2102-revision-v1/', 0, 'revision', '', 0),
(2112, 2, '2018-02-23 14:59:09', '2018-02-23 14:59:09', '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 – 0.06250 Points</li>\r\n 	<li>15 Days – 0.12500 Points</li>\r\n 	<li>22 Days – 0.18750 Points</li>\r\n 	<li>30 Days – 0.2500 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', 'closed', 'closed', '', '215-revision-v1', '', '', '2018-02-23 14:59:09', '2018-02-23 14:59:09', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(2114, 2, '2018-02-26 14:57:51', '2018-02-26 14:57:51', '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 – 0.06250 Points</li>\r\n 	<li>15 Days – 0.12500 Points</li>\r\n 	<li>22 Days – 0.18750 Points</li>\r\n 	<li>30 Days – 0.2500 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', 'closed', 'closed', '', '215-revision-v1', '', '', '2018-02-26 14:57:51', '2018-02-26 14:57:51', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(2115, 2, '2018-02-27 15:05:10', '2018-02-27 15:05:10', '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 – 0.06250 Points</li>\r\n 	<li>15 Days – 0.12500 Points</li>\r\n 	<li>22 Days – 0.18750 Points</li>\r\n 	<li>30 Days – 0.2500 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', 'closed', 'closed', '', '215-revision-v1', '', '', '2018-02-27 15:05:10', '2018-02-27 15:05:10', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(2116, 2, '2018-02-27 17:48:41', '2018-02-27 17:48:41', '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 – 0.06250 Points</li>\r\n 	<li>15 Days – 0.12500 Points</li>\r\n 	<li>22 Days – 0.18750 Points</li>\r\n 	<li>30 Days – 0.2500 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', 'closed', 'closed', '', '215-revision-v1', '', '', '2018-02-27 17:48:41', '2018-02-27 17:48:41', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(2117, 2, '2018-02-28 15:01:02', '2018-02-28 15:01:02', '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 – 0.06250 Points</li>\r\n 	<li>15 Days – 0.12500 Points</li>\r\n 	<li>22 Days – 0.18750 Points</li>\r\n 	<li>30 Days – 0.2500 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', 'closed', 'closed', '', '215-revision-v1', '', '', '2018-02-28 15:01:02', '2018-02-28 15:01:02', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(2118, 2, '2018-03-01 14:56:00', '2018-03-01 14:56:00', '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 – 0.06250 Points</li>\r\n 	<li>15 Days – 0.12500 Points</li>\r\n 	<li>22 Days – 0.18750 Points</li>\r\n 	<li>30 Days – 0.2500 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', 'closed', 'closed', '', '215-revision-v1', '', '', '2018-03-01 14:56:00', '2018-03-01 14:56:00', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(2119, 2, '2018-03-02 14:50:26', '2018-03-02 14:50:26', '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 – 0.06250 Points</li>\r\n 	<li>15 Days – 0.12500 Points</li>\r\n 	<li>22 Days – 0.18750 Points</li>\r\n 	<li>30 Days – 0.2500 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', 'closed', 'closed', '', '215-revision-v1', '', '', '2018-03-02 14:50:26', '2018-03-02 14:50:26', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(2120, 2, '2018-03-05 15:02:54', '2018-03-05 15:02:54', '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 – 0.06250 Points</li>\r\n 	<li>15 Days – 0.12500 Points</li>\r\n 	<li>22 Days – 0.18750 Points</li>\r\n 	<li>30 Days – 0.2500 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', 'closed', 'closed', '', '215-revision-v1', '', '', '2018-03-05 15:02:54', '2018-03-05 15:02:54', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(2122, 2, '2018-03-06 15:13:40', '2018-03-06 15:13:40', '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 – 0.06250 Points</li>\r\n 	<li>15 Days – 0.12500 Points</li>\r\n 	<li>22 Days – 0.18750 Points</li>\r\n 	<li>30 Days – 0.2500 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', 'closed', 'closed', '', '215-revision-v1', '', '', '2018-03-06 15:13:40', '2018-03-06 15:13:40', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(2123, 2, '2018-03-07 14:57:09', '2018-03-07 14:57:09', '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 – 0.06250 Points</li>\r\n 	<li>15 Days – 0.12500 Points</li>\r\n 	<li>22 Days – 0.18750 Points</li>\r\n 	<li>30 Days – 0.2500 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', 'closed', 'closed', '', '215-revision-v1', '', '', '2018-03-07 14:57:09', '2018-03-07 14:57:09', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(2125, 2, '2018-03-08 15:03:56', '2018-03-08 15:03:56', '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 – 0.06250 Points</li>\r\n 	<li>15 Days – 0.12500 Points</li>\r\n 	<li>22 Days – 0.18750 Points</li>\r\n 	<li>30 Days – 0.2500 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', 'closed', 'closed', '', '215-revision-v1', '', '', '2018-03-08 15:03:56', '2018-03-08 15:03:56', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(2126, 2, '2018-03-09 14:53:03', '2018-03-09 14:53:03', '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 – 0.06250 Points</li>\r\n 	<li>15 Days – 0.12500 Points</li>\r\n 	<li>22 Days – 0.18750 Points</li>\r\n 	<li>30 Days – 0.2500 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', 'closed', 'closed', '', '215-revision-v1', '', '', '2018-03-09 14:53:03', '2018-03-09 14:53:03', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(2127, 2, '2018-03-12 13:51:43', '2018-03-12 13:51:43', '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 – 0.06250 Points</li>\r\n 	<li>15 Days – 0.12500 Points</li>\r\n 	<li>22 Days – 0.18750 Points</li>\r\n 	<li>30 Days – 0.2500 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', 'closed', 'closed', '', '215-revision-v1', '', '', '2018-03-12 13:51:43', '2018-03-12 13:51:43', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(2128, 2, '2018-03-13 14:10:30', '2018-03-13 14:10:30', '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 – 0.06250 Points</li>\r\n 	<li>15 Days – 0.12500 Points</li>\r\n 	<li>22 Days – 0.18750 Points</li>\r\n 	<li>30 Days – 0.2500 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', 'closed', 'closed', '', '215-revision-v1', '', '', '2018-03-13 14:10:30', '2018-03-13 14:10:30', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(2129, 2, '2018-03-13 19:26:23', '2018-03-13 19:26:23', '', 'REI Gift100 Program Summary 18.03.13', '', 'inherit', 'open', 'closed', '', 'rei-gift100-program-summary-18-03-13', '', '', '2018-03-13 19:26:23', '2018-03-13 19:26:23', '', 0, 'http://reidownpayment.org/wp/wp-content/uploads/2018/03/REI-Gift100-Program-Summary-18.03.13.pdf', 0, 'attachment', 'application/pdf', 0),
(2130, 2, '2018-03-13 19:26:27', '2018-03-13 19:26:27', '', 'REI Gift100 Conventional Program Summary 18.03.13', '', 'inherit', 'open', 'closed', '', 'rei-gift100-conventional-program-summary-18-03-13', '', '', '2018-03-13 19:26:27', '2018-03-13 19:26:27', '', 0, 'http://reidownpayment.org/wp/wp-content/uploads/2018/03/REI-Gift100-Conventional-Program-Summary-18.03.13.pdf', 0, 'attachment', 'application/pdf', 0),
(2132, 2, '2018-03-14 13:56:16', '2018-03-14 13:56:16', '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 – 0.06250 Points</li>\r\n 	<li>15 Days – 0.12500 Points</li>\r\n 	<li>22 Days – 0.18750 Points</li>\r\n 	<li>30 Days – 0.2500 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', 'closed', 'closed', '', '215-revision-v1', '', '', '2018-03-14 13:56:16', '2018-03-14 13:56:16', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(2133, 2, '2018-03-15 14:00:47', '2018-03-15 14:00:47', '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 – 0.06250 Points</li>\r\n 	<li>15 Days – 0.12500 Points</li>\r\n 	<li>22 Days – 0.18750 Points</li>\r\n 	<li>30 Days – 0.2500 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', 'closed', 'closed', '', '215-revision-v1', '', '', '2018-03-15 14:00:47', '2018-03-15 14:00:47', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(2134, 2, '2018-03-16 13:56:06', '2018-03-16 13:56:06', '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 – 0.06250 Points</li>\r\n 	<li>15 Days – 0.12500 Points</li>\r\n 	<li>22 Days – 0.18750 Points</li>\r\n 	<li>30 Days – 0.2500 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', 'closed', 'closed', '', '215-revision-v1', '', '', '2018-03-16 13:56:06', '2018-03-16 13:56:06', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(2135, 2, '2018-03-19 13:57:51', '2018-03-19 13:57:51', '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 – 0.06250 Points</li>\r\n 	<li>15 Days – 0.12500 Points</li>\r\n 	<li>22 Days – 0.18750 Points</li>\r\n 	<li>30 Days – 0.2500 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', 'closed', 'closed', '', '215-revision-v1', '', '', '2018-03-19 13:57:51', '2018-03-19 13:57:51', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(2136, 2, '2018-03-20 14:48:50', '2018-03-20 14:48:50', '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 – 0.06250 Points</li>\r\n 	<li>15 Days – 0.12500 Points</li>\r\n 	<li>22 Days – 0.18750 Points</li>\r\n 	<li>30 Days – 0.2500 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', 'closed', 'closed', '', '215-revision-v1', '', '', '2018-03-20 14:48:50', '2018-03-20 14:48:50', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(2137, 2, '2018-03-21 13:56:37', '2018-03-21 13:56:37', '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 – 0.06250 Points</li>\r\n 	<li>15 Days – 0.12500 Points</li>\r\n 	<li>22 Days – 0.18750 Points</li>\r\n 	<li>30 Days – 0.2500 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', 'closed', 'closed', '', '215-revision-v1', '', '', '2018-03-21 13:56:37', '2018-03-21 13:56:37', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(2138, 2, '2018-03-21 14:13:56', '2018-03-21 14:13:56', 'Helping borrowers become educated homeowners is an important step in the home buying process. Please contact us at 800.658.2823 for information about Homebuyer Education.\r\n\r\n&nbsp;', 'Homebuyer Education', '', 'inherit', 'closed', 'closed', '', '171-revision-v1', '', '', '2018-03-21 14:13:56', '2018-03-21 14:13:56', '', 171, 'http://reidownpayment.org/171-revision-v1/', 0, 'revision', '', 0),
(2140, 2, '2018-03-22 15:14:41', '2018-03-22 15:14:41', '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 – 0.06250 Points</li>\r\n 	<li>15 Days – 0.12500 Points</li>\r\n 	<li>22 Days – 0.18750 Points</li>\r\n 	<li>30 Days – 0.2500 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', 'closed', 'closed', '', '215-revision-v1', '', '', '2018-03-22 15:14:41', '2018-03-22 15:14:41', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(2141, 2, '2018-03-23 13:54:45', '2018-03-23 13:54:45', '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 – 0.06250 Points</li>\r\n 	<li>15 Days – 0.12500 Points</li>\r\n 	<li>22 Days – 0.18750 Points</li>\r\n 	<li>30 Days – 0.2500 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', 'closed', 'closed', '', '215-revision-v1', '', '', '2018-03-23 13:54:45', '2018-03-23 13:54:45', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0);
