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(37854, 2319, '_section_repeater_0_title_color', 'field_55883fefa6a88'),
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(37913, 2320, 'section_repeater_0_rate_repeater_1_field_1', '5.0%'),
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(37920, 2320, '_section_repeater_1_title', 'field_558829df4f5b0'),
(37921, 2320, 'section_repeater_1_title_color', 'red'),
(37922, 2320, '_section_repeater_1_title_color', 'field_55883fefa6a88'),
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(37931, 2320, 'section_repeater_1_rate_repeater_2_field_1', '5.0%'),
(37932, 2320, '_section_repeater_1_rate_repeater_2_field_1', 'field_55882a0f4f5b2'),
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(37934, 2320, '_section_repeater_1_rate_repeater_2_field_2', 'field_55882a4a4f5b3'),
(37935, 2320, 'section_repeater_1_rate_repeater', '3'),
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(37938, 2320, '_section_repeater_2_title', 'field_558829df4f5b0'),
(37939, 2320, 'section_repeater_2_title_color', 'brown'),
(37940, 2320, '_section_repeater_2_title_color', 'field_55883fefa6a88'),
(37941, 2320, 'section_repeater_2_rate_repeater_0_field_1', '0%'),
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(37945, 2320, 'section_repeater_2_rate_repeater_1_field_1', '3.5%'),
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(37947, 2320, 'section_repeater_2_rate_repeater_1_field_2', '5.875% Interest Rate'),
(37948, 2320, '_section_repeater_2_rate_repeater_1_field_2', 'field_55882a4a4f5b3'),
(37949, 2320, 'section_repeater_2_rate_repeater_2_field_1', '5.0%'),
(37950, 2320, '_section_repeater_2_rate_repeater_2_field_1', 'field_55882a0f4f5b2'),
(37951, 2320, 'section_repeater_2_rate_repeater_2_field_2', '6.375% Interest Rate'),
(37952, 2320, '_section_repeater_2_rate_repeater_2_field_2', 'field_55882a4a4f5b3'),
(37953, 2320, 'section_repeater_2_rate_repeater', '3'),
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(37956, 2320, '_section_repeater', 'field_558829d14f5af'),
(37958, 2322, 'last_updated', 'Updated September 7, 2018 at 9:00 A.M.'),
(37959, 2322, '_last_updated', 'field_5589759569cd9'),
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(37961, 2322, '_section_repeater_0_title', 'field_558829df4f5b0'),
(37962, 2322, 'section_repeater_0_title_color', 'brown'),
(37963, 2322, '_section_repeater_0_title_color', 'field_55883fefa6a88'),
(37964, 2322, 'section_repeater_0_rate_repeater_0_field_1', '3.5%'),
(37965, 2322, '_section_repeater_0_rate_repeater_0_field_1', 'field_55882a0f4f5b2'),
(37966, 2322, 'section_repeater_0_rate_repeater_0_field_2', '5.625% Interest Rate'),
(37967, 2322, '_section_repeater_0_rate_repeater_0_field_2', 'field_55882a4a4f5b3'),
(37968, 2322, 'section_repeater_0_rate_repeater_1_field_1', '5.0%'),
(37969, 2322, '_section_repeater_0_rate_repeater_1_field_1', 'field_55882a0f4f5b2'),
(37970, 2322, 'section_repeater_0_rate_repeater_1_field_2', '6.0% Interest Rate'),
(37971, 2322, '_section_repeater_0_rate_repeater_1_field_2', 'field_55882a4a4f5b3'),
(37972, 2322, 'section_repeater_0_rate_repeater', '2'),
(37973, 2322, '_section_repeater_0_rate_repeater', 'field_558829f34f5b1'),
(37974, 2322, 'section_repeater_1_title', 'Fannie Mae HFA Preferred'),
(37975, 2322, '_section_repeater_1_title', 'field_558829df4f5b0'),
(37976, 2322, 'section_repeater_1_title_color', 'red'),
(37977, 2322, '_section_repeater_1_title_color', 'field_55883fefa6a88'),
(37978, 2322, 'section_repeater_1_rate_repeater_0_field_1', '0%'),
(37979, 2322, '_section_repeater_1_rate_repeater_0_field_1', 'field_55882a0f4f5b2'),
(37980, 2322, 'section_repeater_1_rate_repeater_0_field_2', '5.0% Interest Rate'),
(37981, 2322, '_section_repeater_1_rate_repeater_0_field_2', 'field_55882a4a4f5b3'),
(37982, 2322, 'section_repeater_1_rate_repeater_1_field_1', '3.5%'),
(37983, 2322, '_section_repeater_1_rate_repeater_1_field_1', 'field_55882a0f4f5b2'),
(37984, 2322, 'section_repeater_1_rate_repeater_1_field_2', '5.875% Interest Rate'),
(37985, 2322, '_section_repeater_1_rate_repeater_1_field_2', 'field_55882a4a4f5b3'),
(37986, 2322, 'section_repeater_1_rate_repeater_2_field_1', '5.0%'),
(37987, 2322, '_section_repeater_1_rate_repeater_2_field_1', 'field_55882a0f4f5b2'),
(37988, 2322, 'section_repeater_1_rate_repeater_2_field_2', '6.375% Interest Rate'),
(37989, 2322, '_section_repeater_1_rate_repeater_2_field_2', 'field_55882a4a4f5b3'),
(37990, 2322, 'section_repeater_1_rate_repeater', '3'),
(37991, 2322, '_section_repeater_1_rate_repeater', 'field_558829f34f5b1'),
(37992, 2322, 'section_repeater_2_title', 'Freddie Mac HFA Advantage'),
(37993, 2322, '_section_repeater_2_title', 'field_558829df4f5b0'),
(37994, 2322, 'section_repeater_2_title_color', 'brown'),
(37995, 2322, '_section_repeater_2_title_color', 'field_55883fefa6a88'),
(37996, 2322, 'section_repeater_2_rate_repeater_0_field_1', '0%'),
(37997, 2322, '_section_repeater_2_rate_repeater_0_field_1', 'field_55882a0f4f5b2'),
(37998, 2322, 'section_repeater_2_rate_repeater_0_field_2', '5.0% Interest Rate'),
(37999, 2322, '_section_repeater_2_rate_repeater_0_field_2', 'field_55882a4a4f5b3'),
(38000, 2322, 'section_repeater_2_rate_repeater_1_field_1', '3.5%'),
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(2, 1, '2013-04-19 21:10:35', '2013-04-19 21:10:35', '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:\r\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 piña coladas. (And gettin\' caught in the rain.)</blockquote>\r\n...or something like this:\r\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>\r\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', '', 'private', 'open', 'open', '', 'sample-page', '', '', '2020-03-24 19:07:50', '2020-03-24 19:07:50', '', 0, 'http://reidownpayment.org/?page_id=2', 12, 'page', '', 0),
(4, 1, '2013-04-19 21:11:22', '2013-04-19 21:11:22', '[response]\r\n<div class=\"contact-left\">\r\n<p>Your Email<br />\r\n    [email* your-email] </p>\r\n\r\n<p>First Name<br />\r\n    [text* first-name] </p>\r\n\r\n<p>Last Name<br />\r\n    [text* last-name] </p>\r\n\r\n<p>Phone Number<br />\r\n    [text phone-number] </p>\r\n\r\n</div>\r\n<div class=\"contact-right\">\r\n\r\n<p>Leave a Message<br />\r\n    [textarea* your-message] </p>\r\n\r\n[recaptcha]\r\n\r\n<p>[submit \"Submit\"]</p>\r\n</div>\r\n\r\n<div class=\"clearfix\"></div>\n1\nREI Down Payment Info Request\nwordpress@reidownpayment.org\ninfo@reiok.org\nFrom: [first-name] [last-name] <[your-email]>\r\nPhone: [phone-number]\r\n\r\nMessage Body:\r\n[your-message]\r\n\r\nThis was sent from a contact form on reidownpayment.org\n\n\n\n\n\n\n\n\n\n\n\n\n\nThank you for contacting us. We look forward to speaking with you!\nFailed to send your message. Please try later or contact the administrator by another method.\nValidation errors occurred. Please confirm the fields and submit it again.\nFailed to send your message. Please try later or contact the administrator by another method.\nPlease accept the terms to proceed.\nPlease fill the required field.\nThis input is too long.\nThis input is too short.\nDate format seems invalid.\nThis date is too early.\nThis date is too late.\nFailed to upload file.\nThis file type is not allowed.\nThis file is too large.\nFailed to upload file. Error occurred.\nNumber format seems invalid.\nThis number is too small.\nThis number is too large.\nYour answer is not correct.\nYour entered code is incorrect.\nEmail address seems invalid.\nURL seems invalid.\nTelephone number seems invalid.', 'Contact form 1', '', 'publish', 'open', 'open', '', 'contact-form-1', '', '', '2018-08-29 13:22:36', '2018-08-29 13:22:36', '', 0, 'http://reidownpayment.org/?post_type=wpcf7_contact_form&#038;p=4', 0, 'wpcf7_contact_form', '', 0),
(5, 1, '2013-04-19 22:13:22', '2013-04-19 22:13:22', '&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', '', 'publish', 'open', 'open', '', 'success-stories', '', '', '2017-12-28 14:59:28', '2017-12-28 14:59:28', '', 0, 'http://reidownpayment.org/?page_id=5', 14, 'page', '', 0),
(6, 1, '2013-04-19 22:13:31', '2013-04-19 22:13:31', '<div lang=\"EN-US\">\r\n<p style=\"text-align: left;\">The REI Home100 program provides first mortgage financing and down payment/closing cost assistance to eligible borrowers in the state of Oklahoma.  Depending on the program you use, the down payment/closing cost assistance can be in the form of a gift to the borrower, or a second mortgage that forgives after 7 years of living in the home.  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%, 4%, 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\" rel=\"noopener\">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', '', 'publish', 'open', 'open', '', 'home-buyers', '', '', '2020-03-04 15:06:19', '2020-03-04 15:06:19', '', 0, 'http://reidownpayment.org/?page_id=6', 9, 'page', '', 0),
(7, 1, '2013-04-19 22:14:29', '2013-04-19 22:14:29', 'The REI Home100 program provides first mortgage financing and down payment/closing cost assistance to eligible borrowers in the state of Oklahoma.  Depending on the program you use, the down payment/closing cost assistance can be in the form of a gift to the borrower, or a second mortgage that forgives after 7 years of living in the home.  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.\r\n\r\nREI works with lenders across the state to provide down payment assistance of 0%, 3.5%, 4%, or 5% of the total first mortgage loan amount to eligible individuals and families.  Please click on the Frequently Asked Questions below for more detailed information.\r\n\r\n<strong>REI Home100 Government Loan Program FAQ </strong><a href=\"http://reidownpayment.org/lenders/gift100-2/\">(click for more info)</a>\r\n\r\n<strong>REI Home100 Conventional Loan Program FAQ </strong><a href=\"http://reidownpayment.org/lenders/conventional-program/\">(click for more info)</a>\r\n\r\n<strong>US Bank Lender Information </strong><a href=\"https://reidownpayment.org/lenders/us-bank-lender-information/\">(click for more info)</a>\r\n\r\n&nbsp;\r\n\r\n&nbsp;\r\n\r\n&nbsp;', 'Lenders', '', 'publish', 'open', 'open', '', 'lenders', '', '', '2020-05-11 22:03:52', '2020-05-11 22:03:52', '', 0, 'http://reidownpayment.org/?page_id=7', 10, 'page', '', 0),
(9, 1, '2013-04-19 22:14:34', '2013-04-19 22:14:34', '<h3></h3>\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/11/dena-mug.jpg\"><img class=\"size-full wp-image-45 alignleft\" style=\"margin-top: 0;\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/11/dena-mug.jpg\" alt=\"dena\" width=\"258\" height=\"260\" /></a>\r\n<h3></h3>\r\n<h3>Dena Sherrill</h3>\r\nDirector of Housing\r\n<a href=\"mailto:dsherrill@reiok.org\">dsherrill@reiok.org</a>\r\n\r\n&nbsp;\r\n\r\n&nbsp;\r\n<div class=\"clearfix\"></div>\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/11/Jeremy-mug.jpg\"><img class=\"size-medium wp-image-46 alignleft\" style=\"margin-top: 40px;\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/11/Jeremy-mug.jpg\" alt=\"staff-2\" width=\"258\" height=\"260\" /></a>\r\n<h3></h3>\r\n<h3>Jeremy Layman</h3>\r\nHousing Manager\r\n<a href=\"mailto:jlayman@reiok.org\">jlayman@reiok.org</a>\r\n\r\n&nbsp;\r\n\r\n&nbsp;\r\n<div class=\"clearfix\"></div>\r\n<div></div>\r\n<div></div>\r\n<div></div>\r\n<div></div>\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2016/09/alyssa.jpg\"><img class=\"size-full wp-image-47 alignleft\" style=\"margin-top: 40px;\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2016/09/alyssa.jpg\" alt=\"staff-3\" width=\"258\" height=\"261\" /></a>\r\n<h3></h3>\r\n<h3>Alyssa Bowen</h3>\r\nHousing Market Developer\r\n<a href=\"mailto:abowen@reiok.org\">abowen@reiok.org</a>\r\n\r\n&nbsp;\r\n\r\n&nbsp;\r\n\r\n&nbsp;\r\n\r\n&nbsp;\r\n<div class=\"clearfix\"></div>\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2016/09/hailey.jpg\"><img class=\"size-full wp-image-47 alignleft\" style=\"margin-top: 40px;\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2016/09/hailey.jpg\" alt=\"staff-3\" width=\"258\" height=\"261\" /></a>\r\n<h3></h3>\r\n<h3></h3>\r\n<h3>Hailey Perkins</h3>\r\nHousing Data Specialist\r\n<a href=\"mailto:hperkins@reiok.org\">hperkins@reiok.org</a>\r\n\r\n&nbsp;\r\n\r\n&nbsp;\r\n\r\n&nbsp;\r\n\r\n<em>REI Oklahoma is an equal opportunity employer.</em>', 'Staff', '', 'publish', 'open', 'open', '', 'staff', '', '', '2019-01-29 21:53:34', '2019-01-29 21:53:34', '', 0, 'http://reidownpayment.org/?page_id=9', 13, 'page', '', 0),
(10, 1, '2013-04-19 22:14:43', '2013-04-19 22:14:43', '[contact-form-7 id=\"4\" title=\"Contact form 1\"]\r\n\r\n[column]\r\n\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/pic-contact.png\"><img class=\"alignnone size-medium wp-image-66\" alt=\"pic-contact\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/pic-contact-300x300.png\" width=\"300\" height=\"300\" /></a>\r\n\r\n&nbsp;\r\n<div class=\"one-half\">Phone\r\n<strong>800.658.2823</strong></div>\r\n<div class=\"clearfix\"></div>\r\nAddress\r\n<strong>PO Box 1335</strong>\r\n<strong>Durant, OK 74702</strong>', 'Contact', '', 'publish', 'open', 'open', '', 'contact', '', '', '2018-03-05 15:02:31', '2018-03-05 15:02:31', '', 0, 'http://reidownpayment.org/?page_id=10', 6, 'page', '', 0),
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(21, 1, '2013-04-19 22:15:10', '2013-04-19 22:15:10', ' ', '', '', 'publish', 'open', 'closed', '', '21', '', '', '2020-05-11 21:57:12', '2020-05-11 21:57:12', '', 0, 'http://reidownpayment.org/?p=21', 12, 'nav_menu_item', '', 0),
(22, 1, '2013-04-23 18:50:54', '2013-04-23 18:50:54', '<div style=\"float: left; margin: 0 20px 5px 0;\"><iframe src=\"https://www.youtube.com/embed/gj0DqbgacfM\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\"></iframe></div>\r\nHome is a place of comfort, refuge and rest. These feelings are amplified when you own your home, that is why home ownership is called \"The American Dream\".  Many people do not believe that they are eligible to purchase a home. We help with down payment assistance for Oklahoma home buyers, which could be the key to you becoming a homeowner.\r\n\r\nREI Down Payment Assistance has helped more than 5,500 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. There is no first time home buyer requirement.\r\n\r\nHome...Where Life Begins! Let us help, whether you are a potential home buyer or lender, contact us today at 800.658.2823 or fill out this <a href=\"http://reidownpayment.org/contact/\" target=\"_blank\" rel=\"noopener\">short form</a> for more information.', 'Down Payment Assistance for Oklahoma Homebuyers', '', 'publish', 'open', 'open', '', 'first-mortgage-loan-types', '', '', '2019-10-03 13:35:35', '2019-10-03 13:35:35', '', 0, 'http://reidownpayment.org/?page_id=22', 8, 'page', '', 0),
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(24, 1, '2013-04-23 18:38:13', '2013-04-23 18:38:13', 'Assistance Amount:  5%, 6%, or 7% of the total First Mortgage Loan Amount and is structured as a Second Mortgage.\n\nSecond Mortgage Loan Terms:  20-year fixed rate fully amortizing at 7.375% interest (subject to change) No pre-payment penalties.\n\nFirst Time Homebuyer Requirement:  No\n\nIncome Guidelines Apply:  Yes, see link to income guidelines)\n\nRestrictions:  No manufactured housing.\n\nContact Us today for more info', 'First Mortgage Loan Types', '', 'inherit', 'open', 'open', '', '22-revision-v1', '', '', '2013-04-23 18:38:13', '2013-04-23 18:38:13', '', 22, 'http://reidownpayment.org/?p=24', 0, 'revision', '', 0),
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(36, 1, '2013-10-07 20:34:34', '2013-10-07 20:34:34', '<div lang=\"EN-US\">\n\n<span style=\"font-family: Calibri, sans-serif; font-size: small;\"><span style=\"color: black; font-family: Tahoma, sans-serif; font-size: small;\">REI Down Payment</span><span style=\"color: #1f497d; font-family: Tahoma, sans-serif; font-size: small;\"> Assistance </span><span style=\"color: black; font-family: Tahoma, sans-serif; font-size: small;\">has created two different programs to meet your down payment and closing cost assistance needs.  The programs are developed for people that have good jobs and the ability to re-pay a loan, but have not been able to save for the down payment or closing costs on a home. </span></span>\n<div><span style=\"font-family: Calibri, sans-serif; font-size: small;\"><span style=\"color: black; font-family: Tahoma, sans-serif; font-size: small;\"><b>REI Market Rate Program - Closing Cost Assistance for Government Loans</b></span></span></div>\n<div><span style=\"font-family: Calibri, sans-serif; font-size: small;\"><span style=\"color: black; font-family: Tahoma, sans-serif; font-size: small;\"> </span></span></div>\n<div><span style=\"font-family: Calibri, sans-serif; font-size: small;\"><span style=\"color: black; font-family: Tahoma, sans-serif; font-size: small;\">The REI Market Rate Program helps you with the closing costs associated with an FHA, HUD 184, and Rural Development Loan.  Many times, people have the funds to make the required down payment for their home loan, but not enough for the closing costs and the Seller is only willing to help with a portion of the closing costs or not at all.</span></span></div>\n<div><span style=\"font-family: Calibri, sans-serif; font-size: small;\"><span style=\"color: #1f497d;\"> </span></span></div>\n<div><span style=\"font-family: Calibri, sans-serif; font-size: small;\"><span style=\"color: black; font-family: Tahoma, sans-serif; font-size: small;\"><b>REI CHOICE100 - Down Payment and Closing Cost Assistance - Fannie Mae My Community Mortgage Loans</b></span></span></div>\n<div><span style=\"font-family: Calibri, sans-serif; font-size: small;\"><span style=\"color: black; font-family: Tahoma, sans-serif; font-size: small;\"> </span></span></div>\n<div><span style=\"font-family: Calibri, sans-serif; font-size: small;\"><span style=\"color: black; font-family: Tahoma, sans-serif; font-size: small;\">The REI Choice100 program is just that, it provides you with numerous choices and types of assistance.  The program is utilized with Fannie Mae\'s 95% My Community Mortgage loan.  We have structured the program to provide you with a second mortgage of 5% along with the \"choice\" to pay a higher interest rate and receive an additional 2% or more in assistance.  The choice is yours and can be made with direction from your lender.</span></span></div>\n<div><span style=\"font-family: Calibri, sans-serif; font-size: small;\"> </span></div>\n</div>', 'Home Buyers', '', 'inherit', 'open', 'open', '', '6-autosave-v1', '', '', '2013-10-07 20:34:34', '2013-10-07 20:34:34', '', 6, 'http://reidownpayment.org/?p=36', 0, 'revision', '', 0),
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(38, 1, '2013-04-19 22:13:31', '2013-04-19 22:13:31', '', 'Home Buyers', '', 'inherit', 'open', 'open', '', '6-revision-v1', '', '', '2013-04-19 22:13:31', '2013-04-19 22:13:31', '', 6, 'http://reidownpayment.org/?p=38', 0, 'revision', '', 0),
(39, 1, '2013-04-23 21:57:28', '2013-04-23 21:57:28', 'Do you have a good job and the ability re-pay a loan, but have not been able to save for the down payment and closing costs on a home.  REI Down Payment Assistance can help!\r\n\r\nOur Market Rate Program is structured to help low-moderate income borrowers through a program that provides you with a First and Second Mortgage.  The Second Mortgage allows you to borrower the funds required for your down payment and closing cost assistance.\r\n\r\n<strong>Lenders:</strong>\r\n\r\nYou may use the lender of your choice, if they are approved for the REI DPA program.  Many lenders throughout the state are approved.  If you come across 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 dsherrill@reiok.org\r\n\r\n<strong>Structure:</strong>\r\n\r\nThis is a First and Second Loan Program offering financing to low-to-moderate income individuals and families in Oklahoma.\r\n\r\n<strong>First Mortgage Loan Type:</strong>\r\n\r\nFHA, HUD 184, and Rural Development\r\n\r\n<strong>First Mortgage Rates:</strong>\r\n\r\nFirst Mortgage rates are set daily.\r\n\r\n<strong>Structure of Assistance:</strong>\r\n\r\nBorrower is entitled to borrow from REI DPA an amount equal to 5%, 6%, or 7%, of the first mortgage total loan amount.  The assistance will be in the form of a Second Mortgage at 7.375% fixed rate for 20 years.  There is no pre-payment penalty on the Second Mortgage.  Borrower may be reimbursed for their earnest money and prepaid expenses.\r\n\r\n<strong>Income Limits</strong>\r\n\r\nIncome limits apply based on household income (link to income limits for FHA &amp; HUD 184).  Rural Development standard income limits apply.\r\n\r\n<strong>Credit Score:</strong>\r\n\r\nMinimum 620 credit score.\r\n\r\n<strong>Seller Contributions:</strong>\r\n\r\nAllowed up to first mortgage loan program maximum guidelines.\r\n\r\n<strong>FHA Loan Example:</strong>\r\n\r\nThe example below assumes a $105,000 loan at an interest rate of 3.5% amortized for 30 years.  The first part of the chart will show you the total payment you could expect on this loan with the REI second mortgage.  As you can see, the payments for the Second Mortgage are minimal due to the 20 year amortization.  You can also prepay this loan at any time, thus reducing your monthly payment.\r\n\r\nThe second portion of the chart shows the borrowers out of pocket expenses at closing.  It assumes the same loan as above, with the Seller paying 3% of the borrowers closing costs.  The amount due from the borrower is lessened based on the size of the Second Mortgage.\r\n\r\n[column]\r\n\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/pic-2.png\"><img class=\"alignnone size-medium wp-image-37\" alt=\"pic-2\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/pic-2-300x300.png\" width=\"300\" height=\"300\" /></a>\r\n\r\nLorem ipsum dolor sit amet, consectetuer adipiscing elit', 'Home Buyers', '', 'inherit', 'open', 'open', '', '6-revision-v1', '', '', '2013-04-23 21:57:28', '2013-04-23 21:57:28', '', 6, 'http://reidownpayment.org/?p=39', 0, 'revision', '', 0),
(40, 1, '2013-04-23 21:57:47', '2013-04-23 21:57:47', 'Do you have a good job and the ability re-pay a loan, but have not been able to save for the down payment and closing costs on a home.  REI Down Payment Assistance can help!\r\n\r\nOur Market Rate Program is structured to help low-moderate income borrowers through a program that provides you with a First and Second Mortgage.  The Second Mortgage allows you to borrower the funds required for your down payment and closing cost assistance.\r\n\r\n<strong>Lenders:</strong>\r\n\r\nYou may use the lender of your choice, if they are approved for the REI DPA program.  Many lenders throughout the state are approved.  If you come across 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 dsherrill@reiok.org\r\n\r\n<strong>Structure:</strong>\r\n\r\nThis is a First and Second Loan Program offering financing to low-to-moderate income individuals and families in Oklahoma.\r\n\r\n<strong>First Mortgage Loan Type:</strong>\r\n\r\nFHA, HUD 184, and Rural Development\r\n\r\n<strong>First Mortgage Rates:</strong>\r\n\r\nFirst Mortgage rates are set daily.\r\n\r\n<strong>Structure of Assistance:</strong>\r\n\r\nBorrower is entitled to borrow from REI DPA an amount equal to 5%, 6%, or 7%, of the first mortgage total loan amount.  The assistance will be in the form of a Second Mortgage at 7.375% fixed rate for 20 years.  There is no pre-payment penalty on the Second Mortgage.  Borrower may be reimbursed for their earnest money and prepaid expenses.\r\n\r\n<strong>Income Limits</strong>\r\n\r\nIncome limits apply based on household income (link to income limits for FHA &amp; HUD 184).  Rural Development standard income limits apply.\r\n\r\n<strong>Credit Score:</strong>\r\n\r\nMinimum 620 credit score.\r\n\r\n<strong>Seller Contributions:</strong>\r\n\r\nAllowed up to first mortgage loan program maximum guidelines.\r\n\r\n<strong>FHA Loan Example:</strong>\r\n\r\nThe example below assumes a $105,000 loan at an interest rate of 3.5% amortized for 30 years.  The first part of the chart will show you the total payment you could expect on this loan with the REI second mortgage.  As you can see, the payments for the Second Mortgage are minimal due to the 20 year amortization.  You can also prepay this loan at any time, thus reducing your monthly payment.\r\n\r\nThe second portion of the chart shows the borrowers out of pocket expenses at closing.  It assumes the same loan as above, with the Seller paying 3% of the borrowers closing costs.  The amount due from the borrower is lessened based on the size of the Second Mortgage.\r\n\r\n[column]\r\n\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/pic-2.png\"><img class=\"alignnone size-medium wp-image-37\" alt=\"pic-2\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/pic-2-300x300.png\" width=\"300\" height=\"300\" /></a>\r\n<ul>\r\n	<li>Lorem ipsum dolor sit amet, consectetuer adipiscing elit</li>\r\n	<li>Lorem ipsum dolor sit amet, consectetuer adipiscing elit</li>\r\n	<li>Lorem ipsum dolor sit amet, consectetuer adipiscing elit</li>\r\n</ul>', 'Home Buyers', '', 'inherit', 'open', 'open', '', '6-revision-v1', '', '', '2013-04-23 21:57:47', '2013-04-23 21:57:47', '', 6, 'http://reidownpayment.org/?p=40', 0, 'revision', '', 0),
(41, 1, '2013-04-23 22:28:24', '2013-04-23 22:28:24', 'Do you have a good job and the ability re-pay a loan, but have not been able to save for the down payment and closing costs on a home.  REI Down Payment Assistance can help!\r\n\r\nOur Market Rate Program is structured to help low-moderate income borrowers through a program that provides you with a First and Second Mortgage.  The Second Mortgage allows you to borrower the funds required for your down payment and closing cost assistance.\r\n\r\n<strong>Lenders:</strong>\r\n\r\nYou may use the lender of your choice, if they are approved for the REI DPA program.  Many lenders throughout the state are approved.  If you come across 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 dsherrill@reiok.org\r\n\r\n<strong>Structure:</strong>\r\n\r\nThis is a First and Second Loan Program offering financing to low-to-moderate income individuals and families in Oklahoma.\r\n\r\n<strong>First Mortgage Loan Type:</strong>\r\n\r\nFHA, HUD 184, and Rural Development\r\n\r\n<strong>First Mortgage Rates:</strong>\r\n\r\nFirst Mortgage rates are set daily.\r\n\r\n<strong>Structure of Assistance:</strong>\r\n\r\nBorrower is entitled to borrow from REI DPA an amount equal to 5%, 6%, or 7%, of the first mortgage total loan amount.  The assistance will be in the form of a Second Mortgage at 7.375% fixed rate for 20 years.  There is no pre-payment penalty on the Second Mortgage.  Borrower may be reimbursed for their earnest money and prepaid expenses.\r\n\r\n<strong>Income Limits</strong>\r\n\r\nIncome limits apply based on household income (link to income limits for FHA &amp; HUD 184).  Rural Development standard income limits apply.\r\n\r\n<strong>Credit Score:</strong>\r\n\r\nMinimum 620 credit score.\r\n\r\n<strong>Seller Contributions:</strong>\r\n\r\nAllowed up to first mortgage loan program maximum guidelines.\r\n\r\n<strong>FHA Loan Example:</strong>\r\n\r\nThe example below assumes a $105,000 loan at an interest rate of 3.5% amortized for 30 years.  The first part of the chart will show you the total payment you could expect on this loan with the REI second mortgage.  As you can see, the payments for the Second Mortgage are minimal due to the 20 year amortization.  You can also prepay this loan at any time, thus reducing your monthly payment.\r\n\r\nThe second portion of the chart shows the borrowers out of pocket expenses at closing.  It assumes the same loan as above, with the Seller paying 3% of the borrowers closing costs.  The amount due from the borrower is lessened based on the size of the Second Mortgage.\r\n\r\n[column]\r\n\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/pic-2.png\"><img class=\"alignnone size-medium wp-image-37\" alt=\"pic-2\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/pic-2-300x300.png\" width=\"300\" height=\"300\" /></a>\r\n<ul>\r\n	<li>Lorem ipsum dolor sit amet, consectetuer adipiscing elit</li>\r\n	<li>Lorem ipsum dolor sit amet, consectetuer adipiscing elit</li>\r\n	<li>Lorem ipsum dolor sit amet, consectetuer adipiscing elit</li>\r\n</ul>', 'Home Buyers', '', 'inherit', 'open', 'open', '', '6-revision-v1', '', '', '2013-04-23 22:28:24', '2013-04-23 22:28:24', '', 6, 'http://reidownpayment.org/?p=41', 0, 'revision', '', 0),
(42, 1, '2013-04-23 22:53:43', '2013-04-23 22:53:43', '', 'pic-3', '', 'inherit', 'open', 'open', '', 'pic-3', '', '', '2013-04-23 22:53:43', '2013-04-23 22:53:43', '', 6, 'http://reidownpayment.org/wp/wp-content/uploads/2013/04/pic-3.png', 0, 'attachment', 'image/png', 0),
(43, 1, '2013-04-23 22:50:47', '2013-04-23 22:50:47', 'Do you have a good job and the ability re-pay a loan, but have not been able to save for the down payment and closing costs on a home.  REI Down Payment Assistance can help!\r\n\r\nOur Market Rate Program is structured to help low-moderate income borrowers through a program that provides you with a First and Second Mortgage.  The Second Mortgage allows you to borrower the funds required for your down payment and closing cost assistance.\r\n\r\n<strong>Lenders:</strong>\r\nYou may use the lender of your choice, if they are approved for the REI DPA program.  Many lenders throughout the state are approved.  If you come across 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 dsherrill@reiok.org\r\n\r\n<strong>Structure:</strong>\r\nThis is a First and Second Loan Program offering financing to low-to-moderate income individuals and families in Oklahoma.\r\n\r\n<strong>First Mortgage Loan Type:</strong>\r\nFHA, HUD 184, and Rural Development\r\n\r\n<strong>First Mortgage Rates:</strong>\r\nFirst Mortgage rates are set daily.\r\n\r\n<strong>Structure of Assistance:</strong>\r\nBorrower is entitled to borrow from REI DPA an amount equal to 5%, 6%, or 7%, of the first mortgage total loan amount.  The assistance will be in the form of a Second Mortgage at 7.375% fixed rate for 20 years.  There is no pre-payment penalty on the Second Mortgage.  Borrower may be reimbursed for their earnest money and prepaid expenses.\r\n\r\n<strong>Income Limits</strong>\r\nIncome limits apply based on household income (link to income limits for FHA &amp; HUD 184).  Rural Development standard income limits apply.\r\n\r\n<strong>Credit Score:</strong>\r\nMinimum 620 credit score.\r\n\r\n<strong>Seller Contributions:</strong>\r\nAllowed up to first mortgage loan program maximum guidelines.\r\n\r\n<strong>FHA Loan Example:</strong>\r\nThe example below assumes a $105,000 loan at an interest rate of 3.5% amortized for 30 years.  The first part of the chart will show you the total payment you could expect on this loan with the REI second mortgage.  As you can see, the payments for the Second Mortgage are minimal due to the 20 year amortization.  You can also prepay this loan at any time, thus reducing your monthly payment.\r\n\r\nThe second portion of the chart shows the borrowers out of pocket expenses at closing.  It assumes the same loan as above, with the Seller paying 3% of the borrowers closing costs.  The amount due from the borrower is lessened based on the size of the Second Mortgage.\r\n\r\n[column]\r\n\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/pic-2.png\"><img class=\"alignnone size-medium wp-image-37\" alt=\"pic-2\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/pic-2-300x300.png\" width=\"300\" height=\"300\" /></a>\r\n<ul>\r\n	<li>Lorem ipsum dolor sit amet, consectetuer adipiscing elit</li>\r\n	<li>Lorem ipsum dolor sit amet, consectetuer adipiscing elit</li>\r\n	<li>Lorem ipsum dolor sit amet, consectetuer adipiscing elit</li>\r\n</ul>', 'Home Buyers', '', 'inherit', 'open', 'open', '', '6-revision-v1', '', '', '2013-04-23 22:50:47', '2013-04-23 22:50:47', '', 6, 'http://reidownpayment.org/?p=43', 0, 'revision', '', 0),
(44, 1, '2013-04-23 22:53:46', '2013-04-23 22:53:46', 'Do you have a good job and the ability re-pay a loan, but have not been able to save for the down payment and closing costs on a home.  REI Down Payment Assistance can help!\r\n\r\nOur Market Rate Program is structured to help low-moderate income borrowers through a program that provides you with a First and Second Mortgage.  The Second Mortgage allows you to borrower the funds required for your down payment and closing cost assistance.\r\n\r\n<strong>Lenders:</strong>\r\nYou may use the lender of your choice, if they are approved for the REI DPA program.  Many lenders throughout the state are approved.  If you come across 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 dsherrill@reiok.org\r\n\r\n<strong>Structure:</strong>\r\nThis is a First and Second Loan Program offering financing to low-to-moderate income individuals and families in Oklahoma.\r\n\r\n<strong>First Mortgage Loan Type:</strong>\r\nFHA, HUD 184, and Rural Development\r\n\r\n<strong>First Mortgage Rates:</strong>\r\nFirst Mortgage rates are set daily.\r\n\r\n<strong>Structure of Assistance:</strong>\r\nBorrower is entitled to borrow from REI DPA an amount equal to 5%, 6%, or 7%, of the first mortgage total loan amount.  The assistance will be in the form of a Second Mortgage at 7.375% fixed rate for 20 years.  There is no pre-payment penalty on the Second Mortgage.  Borrower may be reimbursed for their earnest money and prepaid expenses.\r\n\r\n<strong>Income Limits</strong>\r\nIncome limits apply based on household income (link to income limits for FHA &amp; HUD 184).  Rural Development standard income limits apply.\r\n\r\n<strong>Credit Score:</strong>\r\nMinimum 620 credit score.\r\n\r\n<strong>Seller Contributions:</strong>\r\nAllowed up to first mortgage loan program maximum guidelines.\r\n\r\n<strong>FHA Loan Example:</strong>\r\nThe example below assumes a $105,000 loan at an interest rate of 3.5% amortized for 30 years.  The first part of the chart will show you the total payment you could expect on this loan with the REI second mortgage.  As you can see, the payments for the Second Mortgage are minimal due to the 20 year amortization.  You can also prepay this loan at any time, thus reducing your monthly payment.\r\n\r\nThe second portion of the chart shows the borrowers out of pocket expenses at closing.  It assumes the same loan as above, with the Seller paying 3% of the borrowers closing costs.  The amount due from the borrower is lessened based on the size of the Second Mortgage.\r\n\r\n[column]\r\n\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/pic-2.png\"><img class=\"alignnone size-medium wp-image-37\" alt=\"pic-2\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/pic-2-300x300.png\" width=\"300\" height=\"300\" /></a>\r\n<ul>\r\n	<li>Lorem ipsum dolor sit amet, consectetuer adipiscing elit</li>\r\n	<li>Lorem ipsum dolor sit amet, consectetuer adipiscing elit</li>\r\n	<li>Lorem ipsum dolor sit amet, consectetuer adipiscing elit</li>\r\n</ul>\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/pic-3.png\"><img class=\"alignnone size-medium wp-image-42\" alt=\"pic-3\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/pic-3-300x300.png\" width=\"300\" height=\"300\" /></a>', 'Home Buyers', '', 'inherit', 'open', 'open', '', '6-revision-v1', '', '', '2013-04-23 22:53:46', '2013-04-23 22:53:46', '', 6, 'http://reidownpayment.org/?p=44', 0, 'revision', '', 0),
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(49, 1, '2013-04-19 22:14:34', '2013-04-19 22:14:34', '', 'Staff', '', 'inherit', 'open', 'open', '', '9-revision-v1', '', '', '2013-04-19 22:14:34', '2013-04-19 22:14:34', '', 9, 'http://reidownpayment.org/?p=49', 0, 'revision', '', 0),
(50, 1, '2013-04-24 15:07:24', '2013-04-24 15:07:24', '<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/dena.png\"><img class=\"size-full wp-image-45 alignleft\" alt=\"dena\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/dena.png\" width=\"258\" height=\"260\" /></a>\r\n\r\n<h3>Dena Sherrill</h3>\r\nHousing Manager\r\ndsherrill@reiok.org\r\n\r\nLorem ipsum dolor sit amet, consectetuer adipiscing elit, sed diam nonummy nibh euismod tincidunt ut laoreet dolore magna aliquam erat volutpat. Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat.\r\n<div class=\"clearfix\"></div>\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/staff-2.png\"><img class=\"size-medium wp-image-46 alignleft\" alt=\"staff-2\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/staff-2.png\" width=\"258\" height=\"260\" /></a>\r\n<div class=\"clearfix\"></div>\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/staff-3.png\"><img class=\"size-full wp-image-47 alignleft\" alt=\"staff-3\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/staff-3.png\" width=\"258\" height=\"261\" /></a>\r\n<div class=\"clearfix\"></div>\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/staff-4.png\"><img class=\"size-full wp-image-48 alignleft\" alt=\"staff-4\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/staff-4.png\" width=\"258\" height=\"262\" /></a>\r\n<div class=\"clearfix\"></div>', 'Staff', '', 'inherit', 'open', 'open', '', '9-revision-v1', '', '', '2013-04-24 15:07:24', '2013-04-24 15:07:24', '', 9, 'http://reidownpayment.org/?p=50', 0, 'revision', '', 0),
(51, 1, '2013-04-24 15:07:47', '2013-04-24 15:07:47', '<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/dena.png\"><img class=\"size-full wp-image-45 alignleft\" alt=\"dena\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/dena.png\" width=\"258\" height=\"260\" /></a>\r\n<h3>Dena Sherrill</h3>\r\nHousing Manager\r\n<a href=\"mailto:dsherrill@reiok.org\">dsherrill@reiok.org</a>\r\n\r\nLorem ipsum dolor sit amet, consectetuer adipiscing elit, sed diam nonummy nibh euismod tincidunt ut laoreet dolore magna aliquam erat volutpat. Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat.\r\n<div class=\"clearfix\"></div>\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/staff-2.png\"><img class=\"size-medium wp-image-46 alignleft\" alt=\"staff-2\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/staff-2.png\" width=\"258\" height=\"260\" /></a>\r\n<div class=\"clearfix\"></div>\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/staff-3.png\"><img class=\"size-full wp-image-47 alignleft\" alt=\"staff-3\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/staff-3.png\" width=\"258\" height=\"261\" /></a>\r\n<div class=\"clearfix\"></div>\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/staff-4.png\"><img class=\"size-full wp-image-48 alignleft\" alt=\"staff-4\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/staff-4.png\" width=\"258\" height=\"262\" /></a>\r\n<div class=\"clearfix\"></div>', 'Staff', '', 'inherit', 'open', 'open', '', '9-revision-v1', '', '', '2013-04-24 15:07:47', '2013-04-24 15:07:47', '', 9, 'http://reidownpayment.org/?p=51', 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
(52, 1, '2013-04-24 15:09:00', '2013-04-24 15:09:00', '<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/dena.png\"><img class=\"size-full wp-image-45 alignleft\" alt=\"dena\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/dena.png\" width=\"258\" height=\"260\" /></a>\r\n<h3>Dena Sherrill</h3>\r\nHousing Manager\r\n<a href=\"mailto:dsherrill@reiok.org\">dsherrill@reiok.org</a>\r\n\r\nLorem ipsum dolor sit amet, consectetuer adipiscing elit, sed diam nonummy nibh euismod tincidunt ut laoreet dolore magna aliquam erat volutpat. Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat.\r\n<div class=\"clearfix\"></div>\r\n\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/staff-2.png\"><img class=\"size-medium wp-image-46 alignleft\" alt=\"staff-2\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/staff-2.png\" width=\"258\" height=\"260\" /></a>\r\n\r\n<h3>Jeremy Layman</h3>\r\nHousing Specialist\r\n<a href=\"mailto:jlaylayman@reiok.org\">jlaylayman@reiok.org</a>\r\n\r\nLorem ipsum dolor sit amet, consectetuer adipiscing elit, sed diam nonummy nibh euismod tincidunt ut laoreet dolore magna aliquam erat volutpat. Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat.\r\n\r\n<div class=\"clearfix\"></div>\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/staff-3.png\"><img class=\"size-full wp-image-47 alignleft\" alt=\"staff-3\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/staff-3.png\" width=\"258\" height=\"261\" /></a>\r\n<div class=\"clearfix\"></div>\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/staff-4.png\"><img class=\"size-full wp-image-48 alignleft\" alt=\"staff-4\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/staff-4.png\" width=\"258\" height=\"262\" /></a>\r\n<div class=\"clearfix\"></div>', 'Staff', '', 'inherit', 'open', 'open', '', '9-revision-v1', '', '', '2013-04-24 15:09:00', '2013-04-24 15:09:00', '', 9, 'http://reidownpayment.org/?p=52', 0, 'revision', '', 0),
(53, 1, '2013-04-24 15:09:44', '2013-04-24 15:09:44', '\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/dena.png\"><img class=\"size-full wp-image-45 alignleft\" alt=\"dena\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/dena.png\" width=\"258\" height=\"260\" /></a>\r\n<h3>Dena Sherrill</h3>\r\nHousing Manager\r\n<a href=\"mailto:dsherrill@reiok.org\">dsherrill@reiok.org</a>\r\n\r\nLorem ipsum dolor sit amet, consectetuer adipiscing elit, sed diam nonummy nibh euismod tincidunt ut laoreet dolore magna aliquam erat volutpat. Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat.\r\n<div class=\"clearfix\"></div>\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/staff-2.png\"><img class=\"size-medium wp-image-46 alignleft\" alt=\"staff-2\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/staff-2.png\" width=\"258\" height=\"260\" /></a>\r\n<h3>Jeremy Layman</h3>\r\nHousing Specialist\r\n<a href=\"mailto:jlaylayman@reiok.org\">jlaylayman@reiok.org</a>\r\n\r\nLorem ipsum dolor sit amet, consectetuer adipiscing elit, sed diam nonummy nibh euismod tincidunt ut laoreet dolore magna aliquam erat volutpat. Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat.\r\n<div class=\"clearfix\"></div>\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/staff-3.png\"><img class=\"size-full wp-image-47 alignleft\" alt=\"staff-3\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/staff-3.png\" width=\"258\" height=\"261\" /></a>\r\n<div class=\"clearfix\"></div>\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/staff-4.png\"><img class=\"size-full wp-image-48 alignleft\" alt=\"staff-4\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/staff-4.png\" width=\"258\" height=\"262\" /></a>\r\n<div class=\"clearfix\"></div>', 'Staff', '', 'inherit', 'open', 'open', '', '9-revision-v1', '', '', '2013-04-24 15:09:44', '2013-04-24 15:09:44', '', 9, 'http://reidownpayment.org/?p=53', 0, 'revision', '', 0),
(54, 1, '2013-04-24 15:12:15', '2013-04-24 15:12:15', '<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/dena.png\"><img class=\"size-full wp-image-45 alignleft\" alt=\"dena\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/dena.png\" width=\"258\" height=\"260\" /></a>\r\n<h3>Dena Sherrill</h3>\r\nHousing Manager\r\n<a href=\"mailto:dsherrill@reiok.org\">dsherrill@reiok.org</a>\r\n\r\nLorem ipsum dolor sit amet, consectetuer adipiscing elit, sed diam nonummy nibh euismod tincidunt ut laoreet dolore magna aliquam erat volutpat. Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat.\r\n<div class=\"clearfix\"></div>\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/staff-2.png\"><img class=\"size-medium wp-image-46 alignleft\" alt=\"staff-2\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/staff-2.png\" width=\"258\" height=\"260\" /></a>\r\n<h3>Jeremy Layman</h3>\r\nHousing Specialist\r\n<a href=\"mailto:jlaylayman@reiok.org\">jlaylayman@reiok.org</a>\r\n\r\nLorem ipsum dolor sit amet, consectetuer adipiscing elit, sed diam nonummy nibh euismod tincidunt ut laoreet dolore magna aliquam erat volutpat. Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat.\r\n<div class=\"clearfix\"></div>\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/staff-3.png\"><img class=\"size-full wp-image-47 alignleft\" alt=\"staff-3\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/staff-3.png\" width=\"258\" height=\"261\" /></a>\r\n\r\n<h3>Linda Davis</h3>\r\nHousing Coordinator\r\n<a href=\"mailto:ldavis@reiok.org\">ldavis@reiok.org</a>\r\n \r\nLorem ipsum dolor sit amet, consectetuer adipiscing elit, sed diam nonummy nibh euismod tincidunt ut laoreet dolore magna aliquam erat volutpat. Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat.\r\n\r\n<div class=\"clearfix\"></div>\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/staff-4.png\"><img class=\"size-full wp-image-48 alignleft\" alt=\"staff-4\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/staff-4.png\" width=\"258\" height=\"262\" /></a>\r\n\r\n<h3>Keith Malott</h3>\r\nHousing Servicing Specialist\r\n<a href=\"mailto:kmalott@reiok.org\">kmalott@reiok.org</a>\r\n\r\nLorem ipsum dolor sit amet, consectetuer adipiscing elit, sed diam nonummy nibh euismod tincidunt ut laoreet dolore magna aliquam erat volutpat. Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat.\r\n<div class=\"clearfix\"></div>', 'Staff', '', 'inherit', 'open', 'open', '', '9-revision-v1', '', '', '2013-04-24 15:12:15', '2013-04-24 15:12:15', '', 9, 'http://reidownpayment.org/?p=54', 0, 'revision', '', 0),
(55, 1, '2013-04-24 15:14:03', '2013-04-24 15:14:03', '<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/dena.png\"><img class=\"size-full wp-image-45 alignleft\" alt=\"dena\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/dena.png\" width=\"258\" height=\"260\" /></a><h3>Dena Sherrill</h3>\r\nHousing Manager\r\n<a href=\"mailto:dsherrill@reiok.org\">dsherrill@reiok.org</a>\r\n\r\nLorem ipsum dolor sit amet, consectetuer adipiscing elit, sed diam nonummy nibh euismod tincidunt ut laoreet dolore magna aliquam erat volutpat. Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat.\r\n<div class=\"clearfix\"></div>\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/staff-2.png\"><img class=\"size-medium wp-image-46 alignleft\" alt=\"staff-2\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/staff-2.png\" width=\"258\" height=\"260\" /></a>Jeremy Layman\r\n\r\nHousing Specialist\r\n<a href=\"mailto:jlaylayman@reiok.org\">jlaylayman@reiok.org</a>\r\n\r\nLorem ipsum dolor sit amet, consectetuer adipiscing elit, sed diam nonummy nibh euismod tincidunt ut laoreet dolore magna aliquam erat volutpat. Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat.\r\n<div class=\"clearfix\"></div>\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/staff-3.png\"><img class=\"size-full wp-image-47 alignleft\" alt=\"staff-3\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/staff-3.png\" width=\"258\" height=\"261\" /></a>\r\n<h3>Linda Davis</h3>\r\nHousing Coordinator\r\n<a href=\"mailto:ldavis@reiok.org\">ldavis@reiok.org</a>\r\n\r\nLorem ipsum dolor sit amet, consectetuer adipiscing elit, sed diam nonummy nibh euismod tincidunt ut laoreet dolore magna aliquam erat volutpat. Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat.\r\n<div class=\"clearfix\"></div>\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/staff-4.png\"><img class=\"size-full wp-image-48 alignleft\" alt=\"staff-4\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/staff-4.png\" width=\"258\" height=\"262\" /></a>\r\n<h3>Keith Malott</h3>\r\nHousing Servicing Specialist\r\n<a href=\"mailto:kmalott@reiok.org\">kmalott@reiok.org</a>\r\n\r\nLorem ipsum dolor sit amet, consectetuer adipiscing elit, sed diam nonummy nibh euismod tincidunt ut laoreet dolore magna aliquam erat volutpat. Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat.\r\n<div class=\"clearfix\"></div>', 'Staff', '', 'inherit', 'open', 'open', '', '9-revision-v1', '', '', '2013-04-24 15:14:03', '2013-04-24 15:14:03', '', 9, 'http://reidownpayment.org/?p=55', 0, 'revision', '', 0),
(56, 1, '2013-04-24 15:14:27', '2013-04-24 15:14:27', '<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/dena.png\"><img class=\"size-full wp-image-45 alignleft\" alt=\"dena\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/dena.png\" width=\"258\" height=\"260\" /></a><h3>Dena Sherrill</h3>\r\nHousing Manager\r\n<a href=\"mailto:dsherrill@reiok.org\">dsherrill@reiok.org</a>\r\n\r\nLorem ipsum dolor sit amet, consectetuer adipiscing elit, sed diam nonummy nibh euismod tincidunt ut laoreet dolore magna aliquam erat volutpat. Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat.\r\n<div class=\"clearfix\"></div>\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/staff-2.png\"><img class=\"size-medium wp-image-46 alignleft\" alt=\"staff-2\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/staff-2.png\" width=\"258\" height=\"260\" /></a><h3>Jeremy Layman</h3>\r\n\r\nHousing Specialist\r\n<a href=\"mailto:jlaylayman@reiok.org\">jlaylayman@reiok.org</a>\r\n\r\nLorem ipsum dolor sit amet, consectetuer adipiscing elit, sed diam nonummy nibh euismod tincidunt ut laoreet dolore magna aliquam erat volutpat. Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat.\r\n<div class=\"clearfix\"></div>\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/staff-3.png\"><img class=\"size-full wp-image-47 alignleft\" alt=\"staff-3\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/staff-3.png\" width=\"258\" height=\"261\" /></a>\r\n<h3>Linda Davis</h3>\r\nHousing Coordinator\r\n<a href=\"mailto:ldavis@reiok.org\">ldavis@reiok.org</a>\r\n\r\nLorem ipsum dolor sit amet, consectetuer adipiscing elit, sed diam nonummy nibh euismod tincidunt ut laoreet dolore magna aliquam erat volutpat. Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat.\r\n<div class=\"clearfix\"></div>\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/staff-4.png\"><img class=\"size-full wp-image-48 alignleft\" alt=\"staff-4\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/staff-4.png\" width=\"258\" height=\"262\" /></a>\r\n<h3>Keith Malott</h3>\r\nHousing Servicing Specialist\r\n<a href=\"mailto:kmalott@reiok.org\">kmalott@reiok.org</a>\r\n\r\nLorem ipsum dolor sit amet, consectetuer adipiscing elit, sed diam nonummy nibh euismod tincidunt ut laoreet dolore magna aliquam erat volutpat. Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat.\r\n<div class=\"clearfix\"></div>', 'Staff', '', 'inherit', 'open', 'open', '', '9-revision-v1', '', '', '2013-04-24 15:14:27', '2013-04-24 15:14:27', '', 9, 'http://reidownpayment.org/?p=56', 0, 'revision', '', 0),
(57, 1, '2013-04-24 15:15:52', '2013-04-24 15:15:52', '<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/dena.png\"><img class=\"size-full wp-image-45 alignleft\" alt=\"dena\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/dena.png\" width=\"258\" height=\"260\" /></a>\r\n<h3>Dena Sherrill</h3>\r\nHousing Manager\r\n<a href=\"mailto:dsherrill@reiok.org\">dsherrill@reiok.org</a>\r\n\r\nLorem ipsum dolor sit amet, consectetuer adipiscing elit, sed diam nonummy nibh euismod tincidunt ut laoreet dolore magna aliquam erat volutpat. Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat.\r\n<div class=\"clearfix\"></div>\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/staff-2.png\"><img class=\"size-medium wp-image-46 alignleft\" alt=\"staff-2\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/staff-2.png\" width=\"258\" height=\"260\" /></a>\r\n<h3>Jeremy Layman</h3>\r\nHousing Specialist\r\n<a href=\"mailto:jlaylayman@reiok.org\">jlaylayman@reiok.org</a>\r\n\r\nLorem ipsum dolor sit amet, consectetuer adipiscing elit, sed diam nonummy nibh euismod tincidunt ut laoreet dolore magna aliquam erat volutpat. Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat.\r\n<div class=\"clearfix\"></div>\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/staff-3.png\"><img class=\"size-full wp-image-47 alignleft\" alt=\"staff-3\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/staff-3.png\" width=\"258\" height=\"261\" /></a>\r\n<h3>Linda Davis</h3>\r\nHousing Coordinator\r\n<a href=\"mailto:ldavis@reiok.org\">ldavis@reiok.org</a>\r\n\r\nLorem ipsum dolor sit amet, consectetuer adipiscing elit, sed diam nonummy nibh euismod tincidunt ut laoreet dolore magna aliquam erat volutpat. Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat.\r\n<div class=\"clearfix\"></div>\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/staff-4.png\"><img class=\"size-full wp-image-48 alignleft\" alt=\"staff-4\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/staff-4.png\" width=\"258\" height=\"262\" /></a>\r\n<h3>Keith Malott</h3>\r\nHousing Servicing Specialist\r\n<a href=\"mailto:kmalott@reiok.org\">kmalott@reiok.org</a>\r\n\r\nLorem ipsum dolor sit amet, consectetuer adipiscing elit, sed diam nonummy nibh euismod tincidunt ut laoreet dolore magna aliquam erat volutpat. Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat.', 'Staff', '', 'inherit', 'open', 'open', '', '9-revision-v1', '', '', '2013-04-24 15:15:52', '2013-04-24 15:15:52', '', 9, 'http://reidownpayment.org/?p=57', 0, 'revision', '', 0),
(58, 1, '2013-04-24 15:16:18', '2013-04-24 15:16:18', '<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/dena.png\"><img class=\"size-full wp-image-45 alignleft\" style=\"margin-top:15px;\" alt=\"dena\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/dena.png\" width=\"258\" height=\"260\" /></a>\r\n<h3>Dena Sherrill</h3>\r\nHousing Manager\r\n<a href=\"mailto:dsherrill@reiok.org\">dsherrill@reiok.org</a>\r\n\r\nLorem ipsum dolor sit amet, consectetuer adipiscing elit, sed diam nonummy nibh euismod tincidunt ut laoreet dolore magna aliquam erat volutpat. Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat.\r\n<div class=\"clearfix\"></div>\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/staff-2.png\"><img class=\"size-medium wp-image-46 alignleft\" alt=\"staff-2\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/staff-2.png\" width=\"258\" height=\"260\" /></a>\r\n<h3>Jeremy Layman</h3>\r\nHousing Specialist\r\n<a href=\"mailto:jlaylayman@reiok.org\">jlaylayman@reiok.org</a>\r\n\r\nLorem ipsum dolor sit amet, consectetuer adipiscing elit, sed diam nonummy nibh euismod tincidunt ut laoreet dolore magna aliquam erat volutpat. Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat.\r\n<div class=\"clearfix\"></div>\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/staff-3.png\"><img class=\"size-full wp-image-47 alignleft\" alt=\"staff-3\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/staff-3.png\" width=\"258\" height=\"261\" /></a>\r\n<h3>Linda Davis</h3>\r\nHousing Coordinator\r\n<a href=\"mailto:ldavis@reiok.org\">ldavis@reiok.org</a>\r\n\r\nLorem ipsum dolor sit amet, consectetuer adipiscing elit, sed diam nonummy nibh euismod tincidunt ut laoreet dolore magna aliquam erat volutpat. Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat.\r\n<div class=\"clearfix\"></div>\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/staff-4.png\"><img class=\"size-full wp-image-48 alignleft\" alt=\"staff-4\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/staff-4.png\" width=\"258\" height=\"262\" /></a>\r\n<h3>Keith Malott</h3>\r\nHousing Servicing Specialist\r\n<a href=\"mailto:kmalott@reiok.org\">kmalott@reiok.org</a>\r\n\r\nLorem ipsum dolor sit amet, consectetuer adipiscing elit, sed diam nonummy nibh euismod tincidunt ut laoreet dolore magna aliquam erat volutpat. Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat.', 'Staff', '', 'inherit', 'open', 'open', '', '9-revision-v1', '', '', '2013-04-24 15:16:18', '2013-04-24 15:16:18', '', 9, 'http://reidownpayment.org/?p=58', 0, 'revision', '', 0),
(59, 1, '2013-04-24 15:16:34', '2013-04-24 15:16:34', '<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/dena.png\"><img class=\"size-full wp-image-45 alignleft\" style=\"margin-top: 150px;\" alt=\"dena\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/dena.png\" width=\"258\" height=\"260\" /></a>\r\n<h3>Dena Sherrill</h3>\r\nHousing Manager\r\n<a href=\"mailto:dsherrill@reiok.org\">dsherrill@reiok.org</a>\r\n\r\nLorem ipsum dolor sit amet, consectetuer adipiscing elit, sed diam nonummy nibh euismod tincidunt ut laoreet dolore magna aliquam erat volutpat. Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat.\r\n<div class=\"clearfix\"></div>\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/staff-2.png\"><img class=\"size-medium wp-image-46 alignleft\" alt=\"staff-2\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/staff-2.png\" width=\"258\" height=\"260\" /></a>\r\n<h3>Jeremy Layman</h3>\r\nHousing Specialist\r\n<a href=\"mailto:jlaylayman@reiok.org\">jlaylayman@reiok.org</a>\r\n\r\nLorem ipsum dolor sit amet, consectetuer adipiscing elit, sed diam nonummy nibh euismod tincidunt ut laoreet dolore magna aliquam erat volutpat. Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat.\r\n<div class=\"clearfix\"></div>\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/staff-3.png\"><img class=\"size-full wp-image-47 alignleft\" alt=\"staff-3\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/staff-3.png\" width=\"258\" height=\"261\" /></a>\r\n<h3>Linda Davis</h3>\r\nHousing Coordinator\r\n<a href=\"mailto:ldavis@reiok.org\">ldavis@reiok.org</a>\r\n\r\nLorem ipsum dolor sit amet, consectetuer adipiscing elit, sed diam nonummy nibh euismod tincidunt ut laoreet dolore magna aliquam erat volutpat. Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat.\r\n<div class=\"clearfix\"></div>\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/staff-4.png\"><img class=\"size-full wp-image-48 alignleft\" alt=\"staff-4\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/staff-4.png\" width=\"258\" height=\"262\" /></a>\r\n<h3>Keith Malott</h3>\r\nHousing Servicing Specialist\r\n<a href=\"mailto:kmalott@reiok.org\">kmalott@reiok.org</a>\r\n\r\nLorem ipsum dolor sit amet, consectetuer adipiscing elit, sed diam nonummy nibh euismod tincidunt ut laoreet dolore magna aliquam erat volutpat. Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat.', 'Staff', '', 'inherit', 'open', 'open', '', '9-revision-v1', '', '', '2013-04-24 15:16:34', '2013-04-24 15:16:34', '', 9, 'http://reidownpayment.org/?p=59', 0, 'revision', '', 0),
(60, 1, '2013-04-24 15:16:51', '2013-04-24 15:16:51', '<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/dena.png\"><img class=\"size-full wp-image-45 alignleft\" style=\"margin-top: 30px;\" alt=\"dena\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/dena.png\" width=\"258\" height=\"260\" /></a>\r\n<h3>Dena Sherrill</h3>\r\nHousing Manager\r\n<a href=\"mailto:dsherrill@reiok.org\">dsherrill@reiok.org</a>\r\n\r\nLorem ipsum dolor sit amet, consectetuer adipiscing elit, sed diam nonummy nibh euismod tincidunt ut laoreet dolore magna aliquam erat volutpat. Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat.\r\n<div class=\"clearfix\"></div>\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/staff-2.png\"><img class=\"size-medium wp-image-46 alignleft\" alt=\"staff-2\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/staff-2.png\" width=\"258\" height=\"260\" /></a>\r\n<h3>Jeremy Layman</h3>\r\nHousing Specialist\r\n<a href=\"mailto:jlaylayman@reiok.org\">jlaylayman@reiok.org</a>\r\n\r\nLorem ipsum dolor sit amet, consectetuer adipiscing elit, sed diam nonummy nibh euismod tincidunt ut laoreet dolore magna aliquam erat volutpat. Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat.\r\n<div class=\"clearfix\"></div>\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/staff-3.png\"><img class=\"size-full wp-image-47 alignleft\" alt=\"staff-3\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/staff-3.png\" width=\"258\" height=\"261\" /></a>\r\n<h3>Linda Davis</h3>\r\nHousing Coordinator\r\n<a href=\"mailto:ldavis@reiok.org\">ldavis@reiok.org</a>\r\n\r\nLorem ipsum dolor sit amet, consectetuer adipiscing elit, sed diam nonummy nibh euismod tincidunt ut laoreet dolore magna aliquam erat volutpat. Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat.\r\n<div class=\"clearfix\"></div>\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/staff-4.png\"><img class=\"size-full wp-image-48 alignleft\" alt=\"staff-4\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/staff-4.png\" width=\"258\" height=\"262\" /></a>\r\n<h3>Keith Malott</h3>\r\nHousing Servicing Specialist\r\n<a href=\"mailto:kmalott@reiok.org\">kmalott@reiok.org</a>\r\n\r\nLorem ipsum dolor sit amet, consectetuer adipiscing elit, sed diam nonummy nibh euismod tincidunt ut laoreet dolore magna aliquam erat volutpat. Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat.', 'Staff', '', 'inherit', 'open', 'open', '', '9-revision-v1', '', '', '2013-04-24 15:16:51', '2013-04-24 15:16:51', '', 9, 'http://reidownpayment.org/?p=60', 0, 'revision', '', 0),
(61, 1, '2013-04-24 15:17:27', '2013-04-24 15:17:27', '<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/dena.png\"><img class=\"size-full wp-image-45 alignleft\" style=\"margin-top: 30px;\" alt=\"dena\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/dena.png\" width=\"258\" height=\"260\" /></a>\r\n<h3>Dena Sherrill</h3>\r\nHousing Manager\r\n<a href=\"mailto:dsherrill@reiok.org\">dsherrill@reiok.org</a>\r\n\r\nLorem ipsum dolor sit amet, consectetuer adipiscing elit, sed diam nonummy nibh euismod tincidunt ut laoreet dolore magna aliquam erat volutpat. Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat.\r\n<div class=\"clearfix\"></div>\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/staff-2.png\"><img class=\"size-medium wp-image-46 alignleft\" style=\"margin-top: 30px;\" alt=\"staff-2\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/staff-2.png\" width=\"258\" height=\"260\" /></a>\r\n<h3>Jeremy Layman</h3>\r\nHousing Specialist\r\n<a href=\"mailto:jlaylayman@reiok.org\">jlaylayman@reiok.org</a>\r\n\r\nLorem ipsum dolor sit amet, consectetuer adipiscing elit, sed diam nonummy nibh euismod tincidunt ut laoreet dolore magna aliquam erat volutpat. Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat.\r\n<div class=\"clearfix\"></div>\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/staff-3.png\"><img class=\"size-full wp-image-47 alignleft\" style=\"margin-top: 30px;\" alt=\"staff-3\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/staff-3.png\" width=\"258\" height=\"261\" /></a>\r\n<h3>Linda Davis</h3>\r\nHousing Coordinator\r\n<a href=\"mailto:ldavis@reiok.org\">ldavis@reiok.org</a>\r\n\r\nLorem ipsum dolor sit amet, consectetuer adipiscing elit, sed diam nonummy nibh euismod tincidunt ut laoreet dolore magna aliquam erat volutpat. Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat.\r\n<div class=\"clearfix\"></div>\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/staff-4.png\"><img class=\"size-full wp-image-48 alignleft\" style=\"margin-top: 30px;\" alt=\"staff-4\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/staff-4.png\" width=\"258\" height=\"262\" /></a>\r\n<h3>Keith Malott</h3>\r\nHousing Servicing Specialist\r\n<a href=\"mailto:kmalott@reiok.org\">kmalott@reiok.org</a>\r\n\r\nLorem ipsum dolor sit amet, consectetuer adipiscing elit, sed diam nonummy nibh euismod tincidunt ut laoreet dolore magna aliquam erat volutpat. Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat.', 'Staff', '', 'inherit', 'open', 'open', '', '9-revision-v1', '', '', '2013-04-24 15:17:27', '2013-04-24 15:17:27', '', 9, 'http://reidownpayment.org/?p=61', 0, 'revision', '', 0),
(62, 1, '2013-04-24 15:17:50', '2013-04-24 15:17:50', '<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/dena.png\"><img class=\"size-full wp-image-45 alignleft\" style=\"margin-top: 40px;\" alt=\"dena\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/dena.png\" width=\"258\" height=\"260\" /></a>\r\n<h3>Dena Sherrill</h3>\r\nHousing Manager\r\n<a href=\"mailto:dsherrill@reiok.org\">dsherrill@reiok.org</a>\r\n\r\nLorem ipsum dolor sit amet, consectetuer adipiscing elit, sed diam nonummy nibh euismod tincidunt ut laoreet dolore magna aliquam erat volutpat. Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat.\r\n<div class=\"clearfix\"></div>\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/staff-2.png\"><img class=\"size-medium wp-image-46 alignleft\" style=\"margin-top: 30px;\" alt=\"staff-2\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/staff-2.png\" width=\"258\" height=\"260\" /></a>\r\n<h3>Jeremy Layman</h3>\r\nHousing Specialist\r\n<a href=\"mailto:jlaylayman@reiok.org\">jlaylayman@reiok.org</a>\r\n\r\nLorem ipsum dolor sit amet, consectetuer adipiscing elit, sed diam nonummy nibh euismod tincidunt ut laoreet dolore magna aliquam erat volutpat. Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat.\r\n<div class=\"clearfix\"></div>\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/staff-3.png\"><img class=\"size-full wp-image-47 alignleft\" style=\"margin-top: 30px;\" alt=\"staff-3\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/staff-3.png\" width=\"258\" height=\"261\" /></a>\r\n<h3>Linda Davis</h3>\r\nHousing Coordinator\r\n<a href=\"mailto:ldavis@reiok.org\">ldavis@reiok.org</a>\r\n\r\nLorem ipsum dolor sit amet, consectetuer adipiscing elit, sed diam nonummy nibh euismod tincidunt ut laoreet dolore magna aliquam erat volutpat. Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat.\r\n<div class=\"clearfix\"></div>\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/staff-4.png\"><img class=\"size-full wp-image-48 alignleft\" style=\"margin-top: 30px;\" alt=\"staff-4\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/staff-4.png\" width=\"258\" height=\"262\" /></a>\r\n<h3>Keith Malott</h3>\r\nHousing Servicing Specialist\r\n<a href=\"mailto:kmalott@reiok.org\">kmalott@reiok.org</a>\r\n\r\nLorem ipsum dolor sit amet, consectetuer adipiscing elit, sed diam nonummy nibh euismod tincidunt ut laoreet dolore magna aliquam erat volutpat. Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat.', 'Staff', '', 'inherit', 'open', 'open', '', '9-revision-v1', '', '', '2013-04-24 15:17:50', '2013-04-24 15:17:50', '', 9, 'http://reidownpayment.org/?p=62', 0, 'revision', '', 0),
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(72, 1, '2013-04-19 22:13:22', '2013-04-19 22:13:22', '', 'Success Stories', '', 'inherit', 'open', 'open', '', '5-revision-v1', '', '', '2013-04-19 22:13:22', '2013-04-19 22:13:22', '', 5, 'http://reidownpayment.org/?p=72', 0, 'revision', '', 0),
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(75, 1, '2013-04-24 16:12:06', '2013-04-24 16:12:06', '<strong>It al started with a downpayment</strong>\r\n\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/success-3.png\"><img class=\"size-medium wp-image-71 alignright\" alt=\"success-3\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/success-3-300x300.png\" width=\"300\" height=\"300\" /></a>\r\n\r\nLorem ipsum dolor sit amet, consectetuer adipiscing elit, sed diam nonummy nibh euismod tincidunt ut laoreet dolore magna aliquam erat volutpat. Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat.\r\n\r\nDuis autem vel eum iriure dolor in hendrerit in vulputate velit esse molestie consequat, vel illum dolore eu feugiat nulla facilisis at vero eros et accumsan et iusto odio dignissim qui blandit praesent luptatum zzril delenit augue duis dolore te feugait nulla facilisi. Duis autem vel eum iriure dolor in hendrerit in vulputate velit esse molestie consequat, vel illum dolore eu feugiat nulla facilisis at vero eros et accumsan et iusto odio dignissim qui blandit praesent luptatum zzril delenit augue duis dolore te feugait nulla facilisi.\r\n\r\n<div class=\"clearfix\"></div>\r\n<strong>It all started with a downpayment</strong>\r\n\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/success-2.png\"><img class=\"size-medium wp-image-71 alignleft\" alt=\"success-3\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/success-3-300x300.png\" width=\"300\" height=\"300\" /></a>\r\n\r\nLorem ipsum dolor sit amet, consectetuer adipiscing elit, sed diam nonummy nibh euismod tincidunt ut laoreet dolore magna aliquam erat volutpat. Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat.\r\n\r\nDuis autem vel eum iriure dolor in hendrerit in vulputate velit esse molestie consequat, vel illum dolore eu feugiat nulla facilisis at vero eros et accumsan et iusto odio dignissim qui blandit praesent luptatum zzril delenit augue duis dolore te feugait nulla facilisi. Duis autem vel eum iriure dolor in hendrerit in vulputate velit esse molestie consequat, vel illum dolore eu feugiat nulla facilisis at vero eros et accumsan et iusto odio dignissim qui blandit praesent luptatum zzril delenit augue duis dolore te feugait nulla facilisi.\r\n\r\n<div class=\"clearfix\"></div>\r\n<strong>It al started with a downpayment</strong>\r\n\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/success-2.png\"><img class=\"size-medium wp-image-71 alignright\" alt=\"success-3\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/success-3-300x300.png\" width=\"300\" height=\"300\" /></a>\r\n\r\nLorem ipsum dolor sit amet, consectetuer adipiscing elit, sed diam nonummy nibh euismod tincidunt ut laoreet dolore magna aliquam erat volutpat. Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat.\r\n\r\nDuis autem vel eum iriure dolor in hendrerit in vulputate velit esse molestie consequat, vel illum dolore eu feugiat nulla facilisis at vero eros et accumsan et iusto odio dignissim qui blandit praesent luptatum zzril delenit augue duis dolore te feugait nulla facilisi. Duis autem vel eum iriure dolor in hendrerit in vulputate velit esse molestie consequat, vel illum dolore eu feugiat nulla facilisis at vero eros et accumsan et iusto odio dignissim qui blandit praesent luptatum zzril delenit augue duis dolore te feugait nulla facilisi.', 'Success Stories', '', 'inherit', 'open', 'open', '', '5-revision-v1', '', '', '2013-04-24 16:12:06', '2013-04-24 16:12:06', '', 5, 'http://reidownpayment.org/?p=75', 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
(76, 1, '2013-04-24 16:13:28', '2013-04-24 16:13:28', '<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/success-3.png\"><img class=\"size-medium wp-image-71 alignright\" alt=\"success-3\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/success-3-300x300.png\" width=\"300\" height=\"300\" /></a><strong>It al started with a downpayment</strong>\r\n\r\nLorem ipsum dolor sit amet, consectetuer adipiscing elit, sed diam nonummy nibh euismod tincidunt ut laoreet dolore magna aliquam erat volutpat. Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat.\r\n\r\nDuis autem vel eum iriure dolor in hendrerit in vulputate velit esse molestie consequat, vel illum dolore eu feugiat nulla facilisis at vero eros et accumsan et iusto odio dignissim qui blandit praesent luptatum zzril delenit augue duis dolore te feugait nulla facilisi. Duis autem vel eum iriure dolor in hendrerit in vulputate velit esse molestie consequat, vel illum dolore eu feugiat nulla facilisis at vero eros et accumsan et iusto odio dignissim qui blandit praesent luptatum zzril delenit augue duis dolore te feugait nulla facilisi.\r\n<div class=\"clearfix\"></div>\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/success-2.png\"><img class=\"size-medium wp-image-71 alignleft\" alt=\"success-3\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/success-3-300x300.png\" width=\"300\" height=\"300\" /></a><strong>It all started with a downpayment</strong>\r\n\r\n\r\n\r\nLorem ipsum dolor sit amet, consectetuer adipiscing elit, sed diam nonummy nibh euismod tincidunt ut laoreet dolore magna aliquam erat volutpat. Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat.\r\n\r\nDuis autem vel eum iriure dolor in hendrerit in vulputate velit esse molestie consequat, vel illum dolore eu feugiat nulla facilisis at vero eros et accumsan et iusto odio dignissim qui blandit praesent luptatum zzril delenit augue duis dolore te feugait nulla facilisi. Duis autem vel eum iriure dolor in hendrerit in vulputate velit esse molestie consequat, vel illum dolore eu feugiat nulla facilisis at vero eros et accumsan et iusto odio dignissim qui blandit praesent luptatum zzril delenit augue duis dolore te feugait nulla facilisi.\r\n<div class=\"clearfix\"></div>\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/success-2.png\"><img class=\"size-medium wp-image-71 alignright\" alt=\"success-3\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/success-3-300x300.png\" width=\"300\" height=\"300\" /></a><strong>It al started with a downpayment</strong>\r\n\r\n\r\n\r\nLorem ipsum dolor sit amet, consectetuer adipiscing elit, sed diam nonummy nibh euismod tincidunt ut laoreet dolore magna aliquam erat volutpat. Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat.\r\n\r\nDuis autem vel eum iriure dolor in hendrerit in vulputate velit esse molestie consequat, vel illum dolore eu feugiat nulla facilisis at vero eros et accumsan et iusto odio dignissim qui blandit praesent luptatum zzril delenit augue duis dolore te feugait nulla facilisi. Duis autem vel eum iriure dolor in hendrerit in vulputate velit esse molestie consequat, vel illum dolore eu feugiat nulla facilisis at vero eros et accumsan et iusto odio dignissim qui blandit praesent luptatum zzril delenit augue duis dolore te feugait nulla facilisi.', 'Success Stories', '', 'inherit', 'open', 'open', '', '5-revision-v1', '', '', '2013-04-24 16:13:28', '2013-04-24 16:13:28', '', 5, 'http://reidownpayment.org/?p=76', 0, 'revision', '', 0),
(77, 1, '2013-04-24 16:13:57', '2013-04-24 16:13:57', '<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/success-3.png\"><img class=\"size-medium wp-image-71 alignright\" style=\"margin-left: 30px; margin-right: 30px;\" alt=\"success-3\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/success-3-300x300.png\" width=\"300\" height=\"300\" /></a><strong>It al started with a downpayment</strong>\r\n\r\nLorem ipsum dolor sit amet, consectetuer adipiscing elit, sed diam nonummy nibh euismod tincidunt ut laoreet dolore magna aliquam erat volutpat. Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat.\r\n\r\nDuis autem vel eum iriure dolor in hendrerit in vulputate velit esse molestie consequat, vel illum dolore eu feugiat nulla facilisis at vero eros et accumsan et iusto odio dignissim qui blandit praesent luptatum zzril delenit augue duis dolore te feugait nulla facilisi. Duis autem vel eum iriure dolor in hendrerit in vulputate velit esse molestie consequat, vel illum dolore eu feugiat nulla facilisis at vero eros et accumsan et iusto odio dignissim qui blandit praesent luptatum zzril delenit augue duis dolore te feugait nulla facilisi.\r\n<div class=\"clearfix\"></div>\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/success-2.png\"><img class=\"size-medium wp-image-71 alignleft\" alt=\"success-3\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/success-3-300x300.png\" width=\"300\" height=\"300\" /></a><strong>It all started with a downpayment</strong>\r\n\r\nLorem ipsum dolor sit amet, consectetuer adipiscing elit, sed diam nonummy nibh euismod tincidunt ut laoreet dolore magna aliquam erat volutpat. Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat.\r\n\r\nDuis autem vel eum iriure dolor in hendrerit in vulputate velit esse molestie consequat, vel illum dolore eu feugiat nulla facilisis at vero eros et accumsan et iusto odio dignissim qui blandit praesent luptatum zzril delenit augue duis dolore te feugait nulla facilisi. Duis autem vel eum iriure dolor in hendrerit in vulputate velit esse molestie consequat, vel illum dolore eu feugiat nulla facilisis at vero eros et accumsan et iusto odio dignissim qui blandit praesent luptatum zzril delenit augue duis dolore te feugait nulla facilisi.\r\n<div class=\"clearfix\"></div>\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/success-2.png\"><img class=\"size-medium wp-image-71 alignright\" alt=\"success-3\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/success-3-300x300.png\" width=\"300\" height=\"300\" /></a><strong>It al started with a downpayment</strong>\r\n\r\nLorem ipsum dolor sit amet, consectetuer adipiscing elit, sed diam nonummy nibh euismod tincidunt ut laoreet dolore magna aliquam erat volutpat. Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat.\r\n\r\nDuis autem vel eum iriure dolor in hendrerit in vulputate velit esse molestie consequat, vel illum dolore eu feugiat nulla facilisis at vero eros et accumsan et iusto odio dignissim qui blandit praesent luptatum zzril delenit augue duis dolore te feugait nulla facilisi. Duis autem vel eum iriure dolor in hendrerit in vulputate velit esse molestie consequat, vel illum dolore eu feugiat nulla facilisis at vero eros et accumsan et iusto odio dignissim qui blandit praesent luptatum zzril delenit augue duis dolore te feugait nulla facilisi.', 'Success Stories', '', 'inherit', 'open', 'open', '', '5-revision-v1', '', '', '2013-04-24 16:13:57', '2013-04-24 16:13:57', '', 5, 'http://reidownpayment.org/?p=77', 0, 'revision', '', 0),
(78, 1, '2013-04-24 16:14:40', '2013-04-24 16:14:40', '<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/success-3.png\"><img class=\"size-medium wp-image-71 alignright\" style=\"margin-left: 35px; margin-right: 35px;\" alt=\"success-3\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/success-3-300x300.png\" width=\"300\" height=\"300\" /></a><strong>It al started with a downpayment</strong>\r\n\r\nLorem ipsum dolor sit amet, consectetuer adipiscing elit, sed diam nonummy nibh euismod tincidunt ut laoreet dolore magna aliquam erat volutpat. Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat.\r\n\r\nDuis autem vel eum iriure dolor in hendrerit in vulputate velit esse molestie consequat, vel illum dolore eu feugiat nulla facilisis at vero eros et accumsan et iusto odio dignissim qui blandit praesent luptatum zzril delenit augue duis dolore te feugait nulla facilisi. Duis autem vel eum iriure dolor in hendrerit in vulputate velit esse molestie consequat, vel illum dolore eu feugiat nulla facilisis at vero eros et accumsan et iusto odio dignissim qui blandit praesent luptatum zzril delenit augue duis dolore te feugait nulla facilisi.\r\n<div class=\"clearfix\"></div>\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/success-2.png\"><img class=\"size-medium wp-image-71 alignleft\" style=\"margin-left: 35px; margin-right: 35px;\" alt=\"success-3\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/success-3-300x300.png\" width=\"300\" height=\"300\" /></a><strong>It all started with a downpayment</strong>\r\n\r\nLorem ipsum dolor sit amet, consectetuer adipiscing elit, sed diam nonummy nibh euismod tincidunt ut laoreet dolore magna aliquam erat volutpat. Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat.\r\n\r\nDuis autem vel eum iriure dolor in hendrerit in vulputate velit esse molestie consequat, vel illum dolore eu feugiat nulla facilisis at vero eros et accumsan et iusto odio dignissim qui blandit praesent luptatum zzril delenit augue duis dolore te feugait nulla facilisi. Duis autem vel eum iriure dolor in hendrerit in vulputate velit esse molestie consequat, vel illum dolore eu feugiat nulla facilisis at vero eros et accumsan et iusto odio dignissim qui blandit praesent luptatum zzril delenit augue duis dolore te feugait nulla facilisi.\r\n<div class=\"clearfix\"></div>\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/success-2.png\"><img class=\"size-medium wp-image-71 alignright\" style=\"margin-left: 35px; margin-right: 35px;\" alt=\"success-3\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/success-3-300x300.png\" width=\"300\" height=\"300\" /></a><strong>It al started with a downpayment</strong>\r\n\r\nLorem ipsum dolor sit amet, consectetuer adipiscing elit, sed diam nonummy nibh euismod tincidunt ut laoreet dolore magna aliquam erat volutpat. Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat.\r\n\r\nDuis autem vel eum iriure dolor in hendrerit in vulputate velit esse molestie consequat, vel illum dolore eu feugiat nulla facilisis at vero eros et accumsan et iusto odio dignissim qui blandit praesent luptatum zzril delenit augue duis dolore te feugait nulla facilisi. Duis autem vel eum iriure dolor in hendrerit in vulputate velit esse molestie consequat, vel illum dolore eu feugiat nulla facilisis at vero eros et accumsan et iusto odio dignissim qui blandit praesent luptatum zzril delenit augue duis dolore te feugait nulla facilisi.', 'Success Stories', '', 'inherit', 'open', 'open', '', '5-revision-v1', '', '', '2013-04-24 16:14:40', '2013-04-24 16:14:40', '', 5, 'http://reidownpayment.org/?p=78', 0, 'revision', '', 0),
(79, 1, '2013-04-24 16:15:18', '2013-04-24 16:15:18', '<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/success-3.png\"><img class=\"size-medium wp-image-71 alignright\" style=\"margin-left: 35px; margin-right: 35px;\" alt=\"success-3\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/success-3-300x300.png\" width=\"300\" height=\"300\" /></a><strong>It al started with a downpayment</strong>\r\n\r\nLorem ipsum dolor sit amet, consectetuer adipiscing elit, sed diam nonummy nibh euismod tincidunt ut laoreet dolore magna aliquam erat volutpat. Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat.\r\n\r\nDuis autem vel eum iriure dolor in hendrerit in vulputate velit esse molestie consequat, vel illum dolore eu feugiat nulla facilisis at vero eros et accumsan et iusto odio dignissim qui blandit praesent luptatum zzril delenit augue duis dolore te feugait nulla facilisi. Duis autem vel eum iriure dolor in hendrerit in vulputate velit esse molestie consequat, vel illum dolore eu feugiat nulla facilisis at vero eros et accumsan et iusto odio dignissim qui blandit praesent luptatum zzril delenit augue duis dolore te feugait nulla facilisi.\r\n\r\n&nbsp;\r\n\r\n&nbsp;\r\n<div class=\"clearfix\"></div>\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/success-2.png\"><img class=\"size-medium wp-image-71 alignleft\" style=\"margin-left: 35px; margin-right: 35px;\" alt=\"success-3\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/success-3-300x300.png\" width=\"300\" height=\"300\" /></a><strong>It all started with a downpayment</strong>\r\n\r\nLorem ipsum dolor sit amet, consectetuer adipiscing elit, sed diam nonummy nibh euismod tincidunt ut laoreet dolore magna aliquam erat volutpat. Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat.\r\n\r\nDuis autem vel eum iriure dolor in hendrerit in vulputate velit esse molestie consequat, vel illum dolore eu feugiat nulla facilisis at vero eros et accumsan et iusto odio dignissim qui blandit praesent luptatum zzril delenit augue duis dolore te feugait nulla facilisi. Duis autem vel eum iriure dolor in hendrerit in vulputate velit esse molestie consequat, vel illum dolore eu feugiat nulla facilisis at vero eros et accumsan et iusto odio dignissim qui blandit praesent luptatum zzril delenit augue duis dolore te feugait nulla facilisi.\r\n\r\n&nbsp;\r\n\r\n&nbsp;\r\n<div class=\"clearfix\"></div>\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/success-2.png\"><img class=\"size-medium wp-image-71 alignright\" style=\"margin-left: 35px; margin-right: 35px;\" alt=\"success-3\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/success-3-300x300.png\" width=\"300\" height=\"300\" /></a><strong>It al started with a downpayment</strong>\r\n\r\nLorem ipsum dolor sit amet, consectetuer adipiscing elit, sed diam nonummy nibh euismod tincidunt ut laoreet dolore magna aliquam erat volutpat. Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat.\r\n\r\nDuis autem vel eum iriure dolor in hendrerit in vulputate velit esse molestie consequat, vel illum dolore eu feugiat nulla facilisis at vero eros et accumsan et iusto odio dignissim qui blandit praesent luptatum zzril delenit augue duis dolore te feugait nulla facilisi. Duis autem vel eum iriure dolor in hendrerit in vulputate velit esse molestie consequat, vel illum dolore eu feugiat nulla facilisis at vero eros et accumsan et iusto odio dignissim qui blandit praesent luptatum zzril delenit augue duis dolore te feugait nulla facilisi.', 'Success Stories', '', 'inherit', 'open', 'open', '', '5-revision-v1', '', '', '2013-04-24 16:15:18', '2013-04-24 16:15:18', '', 5, 'http://reidownpayment.org/?p=79', 0, 'revision', '', 0),
(80, 1, '2013-04-24 16:15:41', '2013-04-24 16:15:41', '<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/success-3.png\"><img class=\"size-medium wp-image-71 alignright\" style=\"margin-left: 35px; margin-right: 35px;\" alt=\"success-3\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/success-3-300x300.png\" width=\"300\" height=\"300\" /></a><strong>It al started with a downpayment</strong>\r\n\r\nLorem ipsum dolor sit amet, consectetuer adipiscing elit, sed diam nonummy nibh euismod tincidunt ut laoreet dolore magna aliquam erat volutpat. Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat.\r\n\r\nDuis autem vel eum iriure dolor in hendrerit in vulputate velit esse molestie consequat, vel illum dolore eu feugiat nulla facilisis at vero eros et accumsan et iusto odio dignissim qui blandit praesent luptatum zzril delenit augue duis dolore te feugait nulla facilisi. Duis autem vel eum iriure dolor in hendrerit in vulputate velit esse molestie consequat, vel illum dolore eu feugiat nulla facilisis at vero eros et accumsan et iusto odio dignissim qui blandit praesent luptatum zzril delenit augue duis dolore te feugait nulla facilisi.\r\n\r\n&nbsp;\r\n\r\n&nbsp;\r\n<div class=\"clearfix\"></div>\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/success-2.png\"><img class=\"size-medium wp-image-71 alignleft\" style=\"margin-left: 35px; margin-right: 35px;\" alt=\"success-3\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/success-3-300x300.png\" width=\"300\" height=\"300\" /></a><strong>It all started with a downpayment</strong>\r\n\r\nLorem ipsum dolor sit amet, consectetuer adipiscing elit, sed diam nonummy nibh euismod tincidunt ut laoreet dolore magna aliquam erat volutpat. Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat.\r\n\r\nDuis autem vel eum iriure dolor in hendrerit in vulputate velit esse molestie consequat, vel illum dolore eu feugiat nulla facilisis at vero eros et accumsan et iusto odio dignissim qui blandit praesent luptatum zzril delenit augue duis dolore te feugait nulla facilisi. Duis autem vel eum iriure dolor in hendrerit in vulputate velit esse molestie consequat, vel illum dolore eu feugiat nulla facilisis at vero eros et accumsan et iusto odio dignissim qui blandit praesent luptatum zzril delenit augue duis dolore te feugait nulla facilisi.\r\n\r\n&nbsp;\r\n\r\n&nbsp;\r\n<div class=\"clearfix\"></div>\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/success-2.png\"><img class=\"size-medium wp-image-71 alignright\" style=\"margin-left: 35px; margin-right: 35px;\" alt=\"success-3\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/success-3-300x300.png\" width=\"300\" height=\"300\" /></a><strong>It al started with a downpayment</strong>\r\n\r\nLorem ipsum dolor sit amet, consectetuer adipiscing elit, sed diam nonummy nibh euismod tincidunt ut laoreet dolore magna aliquam erat volutpat. Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat.\r\n\r\nDuis autem vel eum iriure dolor in hendrerit in vulputate velit esse molestie consequat, vel illum dolore eu feugiat nulla facilisis at vero eros et accumsan et iusto odio dignissim qui blandit praesent luptatum zzril delenit augue duis dolore te feugait nulla facilisi. Duis autem vel eum iriure dolor in hendrerit in vulputate velit esse molestie consequat, vel illum dolore eu feugiat nulla facilisis at vero eros et accumsan et iusto odio dignissim qui blandit praesent luptatum zzril delenit augue duis dolore te feugait nulla facilisi.\r\n\r\n&nbsp;\r\n\r\n&nbsp;', 'Success Stories', '', 'inherit', 'open', 'open', '', '5-revision-v1', '', '', '2013-04-24 16:15:41', '2013-04-24 16:15:41', '', 5, 'http://reidownpayment.org/?p=80', 0, 'revision', '', 0),
(81, 1, '2013-04-24 16:16:09', '2013-04-24 16:16:09', '<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/success-3.png\"><img class=\"size-medium wp-image-71 alignright\" style=\"margin-left: 35px; margin-right: 35px;\" alt=\"success-3\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/success-3-300x300.png\" width=\"300\" height=\"300\" /></a><strong></strong>\r\n\r\n<strong>It al started with a downpayment</strong>\r\n\r\nLorem ipsum dolor sit amet, consectetuer adipiscing elit, sed diam nonummy nibh euismod tincidunt ut laoreet dolore magna aliquam erat volutpat. Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat.\r\n\r\nDuis autem vel eum iriure dolor in hendrerit in vulputate velit esse molestie consequat, vel illum dolore eu feugiat nulla facilisis at vero eros et accumsan et iusto odio dignissim qui blandit praesent luptatum zzril delenit augue duis dolore te feugait nulla facilisi. Duis autem vel eum iriure dolor in hendrerit in vulputate velit esse molestie consequat, vel illum dolore eu feugiat nulla facilisis at vero eros et accumsan et iusto odio dignissim qui blandit praesent luptatum zzril delenit augue duis dolore te feugait nulla facilisi.\r\n\r\n&nbsp;\r\n\r\n&nbsp;\r\n<div class=\"clearfix\"></div>\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/success-2.png\"><img class=\"size-medium wp-image-71 alignleft\" style=\"margin-left: 35px; margin-right: 35px;\" alt=\"success-3\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/success-3-300x300.png\" width=\"300\" height=\"300\" /></a><strong>It all started with a downpayment</strong>\r\n\r\nLorem ipsum dolor sit amet, consectetuer adipiscing elit, sed diam nonummy nibh euismod tincidunt ut laoreet dolore magna aliquam erat volutpat. Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat.\r\n\r\nDuis autem vel eum iriure dolor in hendrerit in vulputate velit esse molestie consequat, vel illum dolore eu feugiat nulla facilisis at vero eros et accumsan et iusto odio dignissim qui blandit praesent luptatum zzril delenit augue duis dolore te feugait nulla facilisi. Duis autem vel eum iriure dolor in hendrerit in vulputate velit esse molestie consequat, vel illum dolore eu feugiat nulla facilisis at vero eros et accumsan et iusto odio dignissim qui blandit praesent luptatum zzril delenit augue duis dolore te feugait nulla facilisi.\r\n\r\n&nbsp;\r\n\r\n&nbsp;\r\n<div class=\"clearfix\"></div>\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/success-2.png\"><img class=\"size-medium wp-image-71 alignright\" style=\"margin-left: 35px; margin-right: 35px;\" alt=\"success-3\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/success-3-300x300.png\" width=\"300\" height=\"300\" /></a><strong>It al started with a downpayment</strong>\r\n\r\nLorem ipsum dolor sit amet, consectetuer adipiscing elit, sed diam nonummy nibh euismod tincidunt ut laoreet dolore magna aliquam erat volutpat. Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat.\r\n\r\nDuis autem vel eum iriure dolor in hendrerit in vulputate velit esse molestie consequat, vel illum dolore eu feugiat nulla facilisis at vero eros et accumsan et iusto odio dignissim qui blandit praesent luptatum zzril delenit augue duis dolore te feugait nulla facilisi. Duis autem vel eum iriure dolor in hendrerit in vulputate velit esse molestie consequat, vel illum dolore eu feugiat nulla facilisis at vero eros et accumsan et iusto odio dignissim qui blandit praesent luptatum zzril delenit augue duis dolore te feugait nulla facilisi.\r\n\r\n&nbsp;\r\n\r\n&nbsp;', 'Success Stories', '', 'inherit', 'open', 'open', '', '5-revision-v1', '', '', '2013-04-24 16:16:09', '2013-04-24 16:16:09', '', 5, 'http://reidownpayment.org/?p=81', 0, 'revision', '', 0),
(82, 1, '2013-04-19 22:14:29', '2013-04-19 22:14:29', '', 'Lenders', '', 'inherit', 'open', 'open', '', '7-revision-v1', '', '', '2013-04-19 22:14:29', '2013-04-19 22:14:29', '', 7, 'http://reidownpayment.org/?p=82', 0, 'revision', '', 0),
(83, 1, '2013-09-24 18:48:23', '2013-09-24 18:48:23', 'Saving for the down payment and/or closing costs can be one of the biggest hurdles many people face when purchasing a home. To help homebuyers attain homeownership affordably, REI Down Payment Assistance offers two options. The REI Market Rate Program can help meet your closing cost needs associated with FHA, HUD 184 and Rural Development Loans. REI CHOICE100, a more versatile option, allows you and your lender to structure the mortgage loan to fit your individual closing cost and down payment requirements.\n\n<strong><a title=\"REI Market Rate Program\" href=\"http://reidownpayment.org/lenders/rei-market-rate-program/\">REI Market Rate Program</a>\nClosing Cost Assistance for Government Loans</strong>\n\nThe REI Market Rate Program provides the homebuyer with the closing costs associated with an FHA, HUD 184, and Rural Development Loan. Many times, people have the funds to make the required down payment for their home loan, but not enough for the closing costs and the Seller is only willing to help with a portion of the closing costs or not at all.\n\nEligible closing costs for this program include title fees, pre-paid costs, escrows, lender fees, and up front mortgage insurance or guarantee fees.\n\n<a title=\"Choice100 Program\" href=\"http://reidownpayment.org/lenders/choice100-program/\">REI CHOICE100</a>\n<strong>Down Payment and Closing Cost Assistance - Fannie Mae My Community Mortgage Loans</strong>\n\nThe REI Choice100 program is just that, it provides you with numerous choices and types of assistance for your borrowers. The program is utilized with Fannie Mae\'s 95% My Community Mortgage loan. We have structured the program to provide the borrower with a second mortgage of 5% along with the \"choice\" to pay a higher interest rate and receive an additional 2% or more in assistance. As the borrower\'s lender, you can advise them of the different \"choices\" available to them and what will be best for their situation.\n\nThis program can also be used for a rate/term refinance of existing loans. Any loan that is refinanced must prove a demonstrable benefit to the borrower (i.e. lower payments, term, or interest rates). Cash out refinances are not eligible.', 'Lenders', '', 'inherit', 'open', 'open', '', '7-autosave-v1', '', '', '2013-09-24 18:48:23', '2013-09-24 18:48:23', '', 7, 'http://reidownpayment.org/?p=83', 0, 'revision', '', 0),
(84, 1, '2013-04-25 14:37:46', '2013-04-25 14:37:46', '', 'Loan Calculator', '', 'publish', 'open', 'open', '', 'loan-calculator', '', '', '2017-12-28 14:59:28', '2017-12-28 14:59:28', '', 0, 'http://reidownpayment.org/?page_id=84', 11, 'page', '', 0),
(85, 1, '2013-04-25 14:37:42', '2013-04-25 14:37:42', '', 'Loan Calculator', '', 'inherit', 'open', 'open', '', '84-revision', '', '', '2013-04-25 14:37:42', '2013-04-25 14:37:42', '', 84, 'http://reidownpayment.org/?p=85', 0, 'revision', '', 0),
(86, 1, '2013-04-25 14:37:46', '2013-04-25 14:37:46', '', 'Loan Calculator', '', 'inherit', 'open', 'open', '', '84-revision-2', '', '', '2013-04-25 14:37:46', '2013-04-25 14:37:46', '', 84, 'http://reidownpayment.org/?p=86', 0, 'revision', '', 0),
(87, 1, '2013-04-25 14:39:26', '2013-04-25 14:39:26', 'Lorem ipsum dolor sit amet, consectetuer adipiscing elit, sed diam nonummy nibh euismod tincidunt ut laoreet dolore magna aliquam erat volutpat. Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat.', 'Loan Calculator', '', 'inherit', 'open', 'open', '', '84-revision-3', '', '', '2013-04-25 14:39:26', '2013-04-25 14:39:26', '', 84, 'http://reidownpayment.org/?p=87', 0, 'revision', '', 0),
(88, 1, '2013-04-25 14:39:29', '2013-04-25 14:39:29', 'Lorem ipsum dolor sit amet, consectetuer adipiscing elit, sed diam nonummy nibh euismod tincidunt ut laoreet dolore magna aliquam erat volutpat. Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat.', 'Loan Calculator', '', 'inherit', 'open', 'open', '', '84-revision-4', '', '', '2013-04-25 14:39:29', '2013-04-25 14:39:29', '', 84, 'http://reidownpayment.org/?p=88', 0, 'revision', '', 0),
(89, 1, '2013-04-25 14:45:55', '2013-04-25 14:45:55', 'Lorem ipsum dolor sit amet, consectetuer adipiscing elit, sed diam nonummy nibh euismod tincidunt ut laoreet dolore magna aliquam erat volutpat. Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat.', 'Loan Calculator', '', 'inherit', 'open', 'open', '', '84-autosave', '', '', '2013-04-25 14:45:55', '2013-04-25 14:45:55', '', 84, 'http://reidownpayment.org/?p=89', 0, 'revision', '', 0),
(90, 1, '2013-04-25 18:15:15', '2013-04-25 18:15:15', '<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/success-pic-1.png\"><img class=\"size-medium wp-image-91 alignright\" alt=\"success-pic-1\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/success-pic-1-300x300.png\" width=\"300\" height=\"300\" /></a>\n\n<strong>Dean and Brendyn Oldham</strong>\n\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.\n\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.\n\nFor more information about the REI Down Payment Assistance program, call <a>800-658-2823</a>.\n\n&nbsp;\n\n<strong><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/success-pic-2.png\"><img class=\"size-medium wp-image-92 alignleft\" alt=\"success-pic-2\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/success-pic-2-300x300.png\" width=\"300\" height=\"300\" /></a>Tommy Branch</strong>\n\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.\n\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.\n\nTommy said, “Taking care of something that belongs to you can be more satisfying than cleaning up an apartment!”\n\nFor more information about the REI Down Payment Assistance program, call <a>800-658-2823</a>.', 'Success Stories', '', 'inherit', 'open', 'open', '', '5-autosave-v1', '', '', '2013-04-25 18:15:15', '2013-04-25 18:15:15', '', 5, 'http://reidownpayment.org/?p=90', 0, 'revision', '', 0),
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(92, 1, '2013-04-25 18:09:59', '2013-04-25 18:09:59', '', 'success-pic-2', '', 'inherit', 'open', 'open', '', 'success-pic-2', '', '', '2013-04-25 18:09:59', '2013-04-25 18:09:59', '', 5, 'http://reidownpayment.org/wp/wp-content/uploads/2013/04/success-pic-2.png', 0, 'attachment', 'image/png', 0),
(93, 1, '2013-04-24 16:16:33', '2013-04-24 16:16:33', '<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/success-3.png\"><img class=\"size-medium wp-image-71 alignright\" style=\"margin-left: 35px; margin-right: 35px;\" alt=\"success-3\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/success-3-300x300.png\" width=\"300\" height=\"300\" /></a><strong></strong>\r\n\r\n<strong>It al started with a downpayment</strong>\r\n\r\nLorem ipsum dolor sit amet, consectetuer adipiscing elit, sed diam nonummy nibh euismod tincidunt ut laoreet dolore magna aliquam erat volutpat. Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat.\r\n\r\nDuis autem vel eum iriure dolor in hendrerit in vulputate velit esse molestie consequat, vel illum dolore eu feugiat nulla facilisis at vero eros et accumsan et iusto odio dignissim qui blandit praesent luptatum zzril delenit augue duis dolore te feugait nulla facilisi. Duis autem vel eum iriure dolor in hendrerit in vulputate velit esse molestie consequat, vel illum dolore eu feugiat nulla facilisis at vero eros et accumsan et iusto odio dignissim qui blandit praesent luptatum zzril delenit augue duis dolore te feugait nulla facilisi.\r\n\r\n&nbsp;\r\n\r\n&nbsp;\r\n<div class=\"clearfix\"></div>\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/success-2.png\"><img class=\"size-medium wp-image-71 alignleft\" style=\"margin-left: 35px; margin-right: 35px;\" alt=\"success-3\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/success-2-300x300.png\" width=\"300\" height=\"300\" /></a><strong>It all started with a downpayment</strong>\r\n\r\nLorem ipsum dolor sit amet, consectetuer adipiscing elit, sed diam nonummy nibh euismod tincidunt ut laoreet dolore magna aliquam erat volutpat. Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat.\r\n\r\nDuis autem vel eum iriure dolor in hendrerit in vulputate velit esse molestie consequat, vel illum dolore eu feugiat nulla facilisis at vero eros et accumsan et iusto odio dignissim qui blandit praesent luptatum zzril delenit augue duis dolore te feugait nulla facilisi. Duis autem vel eum iriure dolor in hendrerit in vulputate velit esse molestie consequat, vel illum dolore eu feugiat nulla facilisis at vero eros et accumsan et iusto odio dignissim qui blandit praesent luptatum zzril delenit augue duis dolore te feugait nulla facilisi.\r\n\r\n&nbsp;\r\n\r\n&nbsp;\r\n<div class=\"clearfix\"></div>\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/success-2.png\"><img class=\"size-medium wp-image-71 alignright\" style=\"margin-left: 35px; margin-right: 35px;\" alt=\"success-3\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/success-1-300x300.png\" width=\"300\" height=\"300\" /></a><strong>It al started with a downpayment</strong>\r\n\r\nLorem ipsum dolor sit amet, consectetuer adipiscing elit, sed diam nonummy nibh euismod tincidunt ut laoreet dolore magna aliquam erat volutpat. Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat.\r\n\r\nDuis autem vel eum iriure dolor in hendrerit in vulputate velit esse molestie consequat, vel illum dolore eu feugiat nulla facilisis at vero eros et accumsan et iusto odio dignissim qui blandit praesent luptatum zzril delenit augue duis dolore te feugait nulla facilisi. Duis autem vel eum iriure dolor in hendrerit in vulputate velit esse molestie consequat, vel illum dolore eu feugiat nulla facilisis at vero eros et accumsan et iusto odio dignissim qui blandit praesent luptatum zzril delenit augue duis dolore te feugait nulla facilisi.\r\n\r\n&nbsp;\r\n\r\n&nbsp;', 'Success Stories', '', 'inherit', 'open', 'open', '', '5-revision-v1', '', '', '2013-04-24 16:16:33', '2013-04-24 16:16:33', '', 5, 'http://reidownpayment.org/?p=93', 0, 'revision', '', 0),
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(95, 1, '2013-04-25 18:18:02', '2013-04-25 18:18:02', '<strong>First Mortgage Loan Types: </strong>\r\n<ul>\r\n 	<li>FHA 30-year fixed rate 203(b) and 243(c)</li>\r\n 	<li>Rural Development Guaranteed Loan</li>\r\n 	<li>HUD Section 184 Loan</li>\r\n</ul>\r\n<strong>Assistance Amount:</strong>  5%, 6%, or 7% of the total First Mortgage Loan Amount and is structured as a Second Mortgage.\r\n\r\n<strong>Second Mortgage Loan Terms:</strong>  20-year fixed rate fully amortizing at 7.375% interest (subject to change) No pre-payment penalties.\r\n\r\n<strong>First Time Homebuyer Requirement:</strong>  No\r\n\r\n<strong>Income Guidelines Apply: </strong> <a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/incomeguidelines.pdf\">Yes, click here for income guidelines</a>\r\n\r\n<strong>Restrictions:</strong>  No manufactured housing.\r\n\r\n<a title=\"Contact\" href=\"http://reidownpayment.org/?page_id=10\">Contact us today</a> for more information.', 'What We Can Do For You', '', 'private', 'open', 'open', '', 'what-we-can-do-for-you', '', '', '2020-03-24 19:10:21', '2020-03-24 19:10:21', '', 0, 'http://reidownpayment.org/?page_id=95', 15, 'page', '', 0),
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(97, 1, '2013-04-25 18:15:12', '2013-04-25 18:15:12', '', 'What We Can Do For You', '', 'inherit', 'open', 'open', '', '95-revision-v1', '', '', '2013-04-25 18:15:12', '2013-04-25 18:15:12', '', 95, 'http://reidownpayment.org/?p=97', 0, 'revision', '', 0),
(98, 1, '2013-04-25 18:23:03', '2013-04-25 18:23:03', '<strong>First Mortgage Loan Types: </strong>\n<ul>\n	<li>FHA 30-year fixed rate 203(b) and 243(c)</li>\n	<li>Rural Development Guaranteed Loan</li>\n	<li>HUD Section 184 Loan</li>\n</ul>\n<strong>Assistance Amount:</strong>  5%, 6%, or 7% of the total First Mortgage Loan Amount and is structured as a Second Mortgage.\n\n<strong>Second Mortgage Loan Terms:</strong>  20-year fixed rate fully amortizing at 7.375% interest (subject to change) No pre-payment penalties.\n\n<strong>First Time Homebuyer Requirement:</strong>  No\n\n<strong>Income Guidelines Apply: </strong> <a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/incomeguidelines.pdf\">Yes, click here for income guidelines</a>\n\n<strong>Restrictions:</strong>  No manufactured housing.\n\n<a title=\"Contact\" href=\"http://reidownpayment.org/?page_id=10\">Contact us today</a> for more information.', 'What We Can Do For You', '', 'inherit', 'open', 'open', '', '95-autosave-v1', '', '', '2013-04-25 18:23:03', '2013-04-25 18:23:03', '', 95, 'http://reidownpayment.org/?p=98', 0, 'revision', '', 0),
(99, 1, '2013-04-25 18:18:02', '2013-04-25 18:18:02', '<strong>First Mortgage Loan Types: </strong>\r\n<ul>\r\n	<li>FHA 30-year fixed rate 203(b) and 243(c)</li>\r\n	<li>Rural Development Guaranteed Loan</li>\r\n	<li>HUD Section 184 Loan</li>\r\n</ul>\r\n<strong>Assistance Amount:</strong>  5%, 6%, or 7% of the total First Mortgage Loan Amount and is structured as a Second Mortgage.\r\n\r\n<strong>Second Mortgage Loan Terms:</strong>  20-year fixed rate fully amortizing at 7.375% interest (subject to change) No pre-payment penalties.\r\n\r\n<strong>First Time Homebuyer Requirement:</strong>  No\r\n\r\n<strong>Income Guidelines Apply: </strong> <a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/incomeguidelines.pdf\">Yes, click here for income guidelines</a>\r\n\r\n<strong>Restrictions:</strong>  No manufactured housing.\r\n\r\n<a title=\"Contact\" href=\"http://reidownpayment.org/?page_id=10\">Contact us today</a> for more information.', 'What We Can Do For You', '', 'inherit', 'open', 'open', '', '95-revision-v1', '', '', '2013-04-25 18:18:02', '2013-04-25 18:18:02', '', 95, 'http://reidownpayment.org/?p=99', 0, 'revision', '', 0),
(100, 1, '2013-04-23 22:55:13', '2013-04-23 22:55:13', 'Do you have a good job and the ability re-pay a loan, but have not been able to save for the down payment and closing costs on a home.  REI Down Payment Assistance can help!\r\n\r\nOur Market Rate Program is structured to help low-moderate income borrowers through a program that provides you with a First and Second Mortgage.  The Second Mortgage allows you to borrower the funds required for your down payment and closing cost assistance.\r\n\r\n<strong>Lenders:</strong>\r\nYou may use the lender of your choice, if they are approved for the REI DPA program.  Many lenders throughout the state are approved.  If you come across 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 dsherrill@reiok.org\r\n\r\n<strong>Structure:</strong>\r\nThis is a First and Second Loan Program offering financing to low-to-moderate income individuals and families in Oklahoma.\r\n\r\n<strong>First Mortgage Loan Type:</strong>\r\nFHA, HUD 184, and Rural Development\r\n\r\n<strong>First Mortgage Rates:</strong>\r\nFirst Mortgage rates are set daily.\r\n\r\n<strong>Structure of Assistance:</strong>\r\nBorrower is entitled to borrow from REI DPA an amount equal to 5%, 6%, or 7%, of the first mortgage total loan amount.  The assistance will be in the form of a Second Mortgage at 7.375% fixed rate for 20 years.  There is no pre-payment penalty on the Second Mortgage.  Borrower may be reimbursed for their earnest money and prepaid expenses.\r\n\r\n<strong>Income Limits</strong>\r\nIncome limits apply based on household income (link to income limits for FHA &amp; HUD 184).  Rural Development standard income limits apply.\r\n\r\n<strong>Credit Score:</strong>\r\nMinimum 620 credit score.\r\n\r\n<strong>Seller Contributions:</strong>\r\nAllowed up to first mortgage loan program maximum guidelines.\r\n\r\n<strong>FHA Loan Example:</strong>\r\nThe example below assumes a $105,000 loan at an interest rate of 3.5% amortized for 30 years.  The first part of the chart will show you the total payment you could expect on this loan with the REI second mortgage.  As you can see, the payments for the Second Mortgage are minimal due to the 20 year amortization.  You can also prepay this loan at any time, thus reducing your monthly payment.\r\n\r\nThe second portion of the chart shows the borrowers out of pocket expenses at closing.  It assumes the same loan as above, with the Seller paying 3% of the borrowers closing costs.  The amount due from the borrower is lessened based on the size of the Second Mortgage.\r\n\r\n[column]\r\n\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/pic-2.png\"><img class=\"alignnone size-medium wp-image-37\" alt=\"pic-2\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/pic-2-300x300.png\" width=\"300\" height=\"300\" /></a>\r\n<ul>\r\n	<li>Lorem ipsum dolor sit amet, consectetuer adipiscing elit</li>\r\n	<li>Lorem ipsum dolor sit amet, consectetuer adipiscing elit</li>\r\n	<li>Lorem ipsum dolor sit amet, consectetuer adipiscing elit</li>\r\n</ul>\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/pic-3.png\"><img class=\"alignnone size-medium wp-image-42\" style=\"margin-top: 150px;\" alt=\"pic-3\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/pic-3-300x300.png\" width=\"300\" height=\"300\" /></a>', 'Home Buyers', '', 'inherit', 'open', 'open', '', '6-revision-v1', '', '', '2013-04-23 22:55:13', '2013-04-23 22:55:13', '', 6, 'http://reidownpayment.org/?p=100', 0, 'revision', '', 0),
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(105, 1, '2013-04-25 18:40:12', '2013-04-25 18:40:12', '', 'SECOND LIEN RIDER', '', 'inherit', 'open', 'open', '', 'second-lien-rider', '', '', '2013-04-25 18:40:12', '2013-04-25 18:40:12', '', 7, 'http://reidownpayment.org/wp/wp-content/uploads/2013/04/SECOND-LIEN-RIDER.pdf', 0, 'attachment', 'application/pdf', 0),
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(107, 1, '2013-04-24 16:19:18', '2013-04-24 16:19:18', '<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/pic-2.png\"><img class=\"size-medium wp-image-37 alignright\" alt=\"pic-2\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/pic-2-300x300.png\" width=\"300\" height=\"300\" /></a>Lorem ipsum dolor sit amet, consectetuer adipiscing elit, sed diam nonummy nibh euismod tincidunt ut laoreet dolore magna aliquam erat volutpat. Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat.\r\n<ul>\r\n	<li>Lorem ipsum dolor sit amet, consectetuer adipiscing elit, sed</li>\r\n	<li>Lorem ipsum dolor sit amet, consectetuer adipiscing elit, sed</li>\r\n	<li>Lorem ipsum dolor sit amet, consectetuer adipiscing elit, sed</li>\r\n</ul>\r\nDuis autem vel eum iriure dolor in hendrerit in vulputate velit esse molestie consequat, vel illum dolore eu feugiat nulla facilisis at vero eros et accumsan et iusto odio dignissim qui blandit praesent luptatum zzril delenit augue duis dolore te feugait nulla facilisi.\r\n\r\nDuis autem vel eum iriure dolor in hendrerit in vulputate velit esse molestie consequat, vel illum dolore eu feugiat nulla facilisis at vero eros et accumsan et iusto odio dignissim qui blandit praesent luptatum zzril delenit augue duis dolore te feugait nulla facilisi.\r\n\r\nDuis autem vel eum iriure dolor in hendrerit in vulputate velit esse molestie consequat, vel illum dolore eu feugiat nulla facilisis at vero eros et accumsan et iusto odio dignissim qui blandit praesent luptatum zzril delenit augue duis dolore te feugait nulla facilisi.\r\n\r\nDuis autem vel eum iriure dolor in hendrerit in vulputate velit esse molestie consequat, vel illum dolore eu feugiat nulla facilisis at vero eros et accumsan et iusto odio dignissim qui blandit praesent luptatum zzril delenit augue duis dolore te feugait nulla facilisi.', 'Lenders', '', 'inherit', 'open', 'open', '', '7-revision-v1', '', '', '2013-04-24 16:19:18', '2013-04-24 16:19:18', '', 7, 'http://reidownpayment.org/?p=107', 0, 'revision', '', 0);
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(108, 1, '2013-04-24 15:20:25', '2013-04-24 15:20:25', '<h3>Strong knowledgeable team</h3>\r\nLorem ipsum dolor sit amet, consectetuer adipiscing elit, sed diam nonummy nibh euismod tincidunt ut laoreet dolore magna aliquam erat volutpat. Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat.\r\n<div class=\"clearfix\"></div>\r\n\r\n\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/dena.png\"><img class=\"size-full wp-image-45 alignleft\" style=\"margin-top: 40px;\" alt=\"dena\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/dena.png\" width=\"258\" height=\"260\" /></a>\r\n<h3>Dena Sherrill</h3>\r\nHousing Manager\r\n<a href=\"mailto:dsherrill@reiok.org\">dsherrill@reiok.org</a>\r\n\r\nLorem ipsum dolor sit amet, consectetuer adipiscing elit, sed diam nonummy nibh euismod tincidunt ut laoreet dolore magna aliquam erat volutpat. Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat.\r\n<div class=\"clearfix\"></div>\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/staff-2.png\"><img class=\"size-medium wp-image-46 alignleft\" style=\"margin-top: 40px;\" alt=\"staff-2\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/staff-2.png\" width=\"258\" height=\"260\" /></a>\r\n<h3>Jeremy Layman</h3>\r\nHousing Specialist\r\n<a href=\"mailto:jlaylayman@reiok.org\">jlaylayman@reiok.org</a>\r\n\r\nLorem ipsum dolor sit amet, consectetuer adipiscing elit, sed diam nonummy nibh euismod tincidunt ut laoreet dolore magna aliquam erat volutpat. Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat.\r\n<div class=\"clearfix\"></div>\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/staff-3.png\"><img class=\"size-full wp-image-47 alignleft\" style=\"margin-top: 40px;\" alt=\"staff-3\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/staff-3.png\" width=\"258\" height=\"261\" /></a>\r\n<h3>Linda Davis</h3>\r\nHousing Coordinator\r\n<a href=\"mailto:ldavis@reiok.org\">ldavis@reiok.org</a>\r\n\r\nLorem ipsum dolor sit amet, consectetuer adipiscing elit, sed diam nonummy nibh euismod tincidunt ut laoreet dolore magna aliquam erat volutpat. Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat.\r\n<div class=\"clearfix\"></div>\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/staff-4.png\"><img class=\"size-full wp-image-48 alignleft\" style=\"margin-top: 40px;\" alt=\"staff-4\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/staff-4.png\" width=\"258\" height=\"262\" /></a>\r\n<h3>Keith Malott</h3>\r\nHousing Servicing Specialist\r\n<a href=\"mailto:kmalott@reiok.org\">kmalott@reiok.org</a>\r\n\r\nLorem ipsum dolor sit amet, consectetuer adipiscing elit, sed diam nonummy nibh euismod tincidunt ut laoreet dolore magna aliquam erat volutpat. Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat.', 'Staff', '', 'inherit', 'open', 'open', '', '9-revision-v1', '', '', '2013-04-24 15:20:25', '2013-04-24 15:20:25', '', 9, 'http://reidownpayment.org/?p=108', 0, 'revision', '', 0),
(109, 1, '2013-04-25 18:55:08', '2013-04-25 18:55:08', '<h3></h3>\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/dena.png\"><img class=\"size-full wp-image-45 alignleft\" style=\"margin-top: 40px;\" alt=\"dena\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/dena.png\" width=\"258\" height=\"260\" /></a>\r\n<h3>Dena Sherrill</h3>\r\nHousing Manager\r\n<a href=\"mailto:dsherrill@reiok.org\">dsherrill@reiok.org</a>\r\n\r\nLorem ipsum dolor sit amet, consectetuer adipiscing elit, sed diam nonummy nibh euismod tincidunt ut laoreet dolore magna aliquam erat volutpat. Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat.\r\n<div class=\"clearfix\"></div>\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/staff-2.png\"><img class=\"size-medium wp-image-46 alignleft\" style=\"margin-top: 40px;\" alt=\"staff-2\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/staff-2.png\" width=\"258\" height=\"260\" /></a>\r\n<h3>Jeremy Layman</h3>\r\nHousing Specialist\r\n<a href=\"mailto:jlaylayman@reiok.org\">jlaylayman@reiok.org</a>\r\n\r\nLorem ipsum dolor sit amet, consectetuer adipiscing elit, sed diam nonummy nibh euismod tincidunt ut laoreet dolore magna aliquam erat volutpat. Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat.\r\n<div class=\"clearfix\"></div>\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/staff-3.png\"><img class=\"size-full wp-image-47 alignleft\" style=\"margin-top: 40px;\" alt=\"staff-3\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/staff-3.png\" width=\"258\" height=\"261\" /></a>\r\n<h3>Linda Davis</h3>\r\nHousing Coordinator\r\n<a href=\"mailto:ldavis@reiok.org\">ldavis@reiok.org</a>\r\n\r\nLorem ipsum dolor sit amet, consectetuer adipiscing elit, sed diam nonummy nibh euismod tincidunt ut laoreet dolore magna aliquam erat volutpat. Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat.\r\n<div class=\"clearfix\"></div>\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/staff-4.png\"><img class=\"size-full wp-image-48 alignleft\" style=\"margin-top: 40px;\" alt=\"staff-4\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/staff-4.png\" width=\"258\" height=\"262\" /></a>\r\n<h3>Keith Malott</h3>\r\nHousing Servicing Specialist\r\n<a href=\"mailto:kmalott@reiok.org\">kmalott@reiok.org</a>\r\n\r\nLorem ipsum dolor sit amet, consectetuer adipiscing elit, sed diam nonummy nibh euismod tincidunt ut laoreet dolore magna aliquam erat volutpat. Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat.', 'Staff', '', 'inherit', 'open', 'open', '', '9-revision-v1', '', '', '2013-04-25 18:55:08', '2013-04-25 18:55:08', '', 9, 'http://reidownpayment.org/?p=109', 0, 'revision', '', 0),
(110, 1, '2013-04-25 18:55:26', '2013-04-25 18:55:26', '<h3></h3>\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/dena.png\"><img class=\"size-full wp-image-45 alignleft\" style=\"margin-top: 40px;\" alt=\"dena\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/dena.png\" width=\"258\" height=\"260\" /></a>\r\n<h3></h3>\r\n<h3>Dena Sherrill</h3>\r\nHousing Manager\r\n<a href=\"mailto:dsherrill@reiok.org\">dsherrill@reiok.org</a>\r\n\r\nLorem ipsum dolor sit amet, consectetuer adipiscing elit, sed diam nonummy nibh euismod tincidunt ut laoreet dolore magna aliquam erat volutpat. Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat.\r\n<div class=\"clearfix\"></div>\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/staff-2.png\"><img class=\"size-medium wp-image-46 alignleft\" style=\"margin-top: 40px;\" alt=\"staff-2\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/staff-2.png\" width=\"258\" height=\"260\" /></a>\r\n<h3>Jeremy Layman</h3>\r\nHousing Specialist\r\n<a href=\"mailto:jlaylayman@reiok.org\">jlaylayman@reiok.org</a>\r\n\r\nLorem ipsum dolor sit amet, consectetuer adipiscing elit, sed diam nonummy nibh euismod tincidunt ut laoreet dolore magna aliquam erat volutpat. Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat.\r\n<div class=\"clearfix\"></div>\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/staff-3.png\"><img class=\"size-full wp-image-47 alignleft\" style=\"margin-top: 40px;\" alt=\"staff-3\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/staff-3.png\" width=\"258\" height=\"261\" /></a>\r\n<h3>Linda Davis</h3>\r\nHousing Coordinator\r\n<a href=\"mailto:ldavis@reiok.org\">ldavis@reiok.org</a>\r\n\r\nLorem ipsum dolor sit amet, consectetuer adipiscing elit, sed diam nonummy nibh euismod tincidunt ut laoreet dolore magna aliquam erat volutpat. Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat.\r\n<div class=\"clearfix\"></div>\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/staff-4.png\"><img class=\"size-full wp-image-48 alignleft\" style=\"margin-top: 40px;\" alt=\"staff-4\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/staff-4.png\" width=\"258\" height=\"262\" /></a>\r\n<h3>Keith Malott</h3>\r\nHousing Servicing Specialist\r\n<a href=\"mailto:kmalott@reiok.org\">kmalott@reiok.org</a>\r\n\r\nLorem ipsum dolor sit amet, consectetuer adipiscing elit, sed diam nonummy nibh euismod tincidunt ut laoreet dolore magna aliquam erat volutpat. Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat.', 'Staff', '', 'inherit', 'open', 'open', '', '9-revision-v1', '', '', '2013-04-25 18:55:26', '2013-04-25 18:55:26', '', 9, 'http://reidownpayment.org/?p=110', 0, 'revision', '', 0),
(111, 1, '2013-04-25 18:55:41', '2013-04-25 18:55:41', '<h3></h3>\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/dena.png\"><img class=\"size-full wp-image-45 alignleft\" style=\"margin-top: 40px;\" alt=\"dena\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/dena.png\" width=\"258\" height=\"260\" /></a>\r\n<h3></h3>\r\n<h3></h3>\r\n<h3>Dena Sherrill</h3>\r\nHousing Manager\r\n<a href=\"mailto:dsherrill@reiok.org\">dsherrill@reiok.org</a>\r\n\r\nLorem ipsum dolor sit amet, consectetuer adipiscing elit, sed diam nonummy nibh euismod tincidunt ut laoreet dolore magna aliquam erat volutpat. Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat.\r\n<div class=\"clearfix\"></div>\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/staff-2.png\"><img class=\"size-medium wp-image-46 alignleft\" style=\"margin-top: 40px;\" alt=\"staff-2\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/staff-2.png\" width=\"258\" height=\"260\" /></a>\r\n<h3>Jeremy Layman</h3>\r\nHousing Specialist\r\n<a href=\"mailto:jlaylayman@reiok.org\">jlaylayman@reiok.org</a>\r\n\r\nLorem ipsum dolor sit amet, consectetuer adipiscing elit, sed diam nonummy nibh euismod tincidunt ut laoreet dolore magna aliquam erat volutpat. Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat.\r\n<div class=\"clearfix\"></div>\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/staff-3.png\"><img class=\"size-full wp-image-47 alignleft\" style=\"margin-top: 40px;\" alt=\"staff-3\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/staff-3.png\" width=\"258\" height=\"261\" /></a>\r\n<h3>Linda Davis</h3>\r\nHousing Coordinator\r\n<a href=\"mailto:ldavis@reiok.org\">ldavis@reiok.org</a>\r\n\r\nLorem ipsum dolor sit amet, consectetuer adipiscing elit, sed diam nonummy nibh euismod tincidunt ut laoreet dolore magna aliquam erat volutpat. Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat.\r\n<div class=\"clearfix\"></div>\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/staff-4.png\"><img class=\"size-full wp-image-48 alignleft\" style=\"margin-top: 40px;\" alt=\"staff-4\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/staff-4.png\" width=\"258\" height=\"262\" /></a>\r\n<h3>Keith Malott</h3>\r\nHousing Servicing Specialist\r\n<a href=\"mailto:kmalott@reiok.org\">kmalott@reiok.org</a>\r\n\r\nLorem ipsum dolor sit amet, consectetuer adipiscing elit, sed diam nonummy nibh euismod tincidunt ut laoreet dolore magna aliquam erat volutpat. Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat.', 'Staff', '', 'inherit', 'open', 'open', '', '9-revision-v1', '', '', '2013-04-25 18:55:41', '2013-04-25 18:55:41', '', 9, 'http://reidownpayment.org/?p=111', 0, 'revision', '', 0),
(112, 1, '2013-04-25 18:55:48', '2013-04-25 18:55:48', '<h3></h3>\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/dena.png\"><img class=\"size-full wp-image-45 alignleft\" style=\"margin-top: 40px;\" alt=\"dena\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/dena.png\" width=\"258\" height=\"260\" /></a>\r\n<h3></h3>\r\n<h3></h3>\r\n<h3></h3>\r\n<h3></h3>\r\n<h3></h3>\r\n<h3>Dena Sherrill</h3>\r\nHousing Manager\r\n<a href=\"mailto:dsherrill@reiok.org\">dsherrill@reiok.org</a>\r\n\r\nLorem ipsum dolor sit amet, consectetuer adipiscing elit, sed diam nonummy nibh euismod tincidunt ut laoreet dolore magna aliquam erat volutpat. Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat.\r\n<div class=\"clearfix\"></div>\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/staff-2.png\"><img class=\"size-medium wp-image-46 alignleft\" style=\"margin-top: 40px;\" alt=\"staff-2\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/staff-2.png\" width=\"258\" height=\"260\" /></a>\r\n<h3>Jeremy Layman</h3>\r\nHousing Specialist\r\n<a href=\"mailto:jlaylayman@reiok.org\">jlaylayman@reiok.org</a>\r\n\r\nLorem ipsum dolor sit amet, consectetuer adipiscing elit, sed diam nonummy nibh euismod tincidunt ut laoreet dolore magna aliquam erat volutpat. Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat.\r\n<div class=\"clearfix\"></div>\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/staff-3.png\"><img class=\"size-full wp-image-47 alignleft\" style=\"margin-top: 40px;\" alt=\"staff-3\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/staff-3.png\" width=\"258\" height=\"261\" /></a>\r\n<h3>Linda Davis</h3>\r\nHousing Coordinator\r\n<a href=\"mailto:ldavis@reiok.org\">ldavis@reiok.org</a>\r\n\r\nLorem ipsum dolor sit amet, consectetuer adipiscing elit, sed diam nonummy nibh euismod tincidunt ut laoreet dolore magna aliquam erat volutpat. Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat.\r\n<div class=\"clearfix\"></div>\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/staff-4.png\"><img class=\"size-full wp-image-48 alignleft\" style=\"margin-top: 40px;\" alt=\"staff-4\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/staff-4.png\" width=\"258\" height=\"262\" /></a>\r\n<h3>Keith Malott</h3>\r\nHousing Servicing Specialist\r\n<a href=\"mailto:kmalott@reiok.org\">kmalott@reiok.org</a>\r\n\r\nLorem ipsum dolor sit amet, consectetuer adipiscing elit, sed diam nonummy nibh euismod tincidunt ut laoreet dolore magna aliquam erat volutpat. Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat.', 'Staff', '', 'inherit', 'open', 'open', '', '9-revision-v1', '', '', '2013-04-25 18:55:48', '2013-04-25 18:55:48', '', 9, 'http://reidownpayment.org/?p=112', 0, 'revision', '', 0),
(113, 1, '2013-04-25 18:56:08', '2013-04-25 18:56:08', '<h3></h3>\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/dena.png\"><img class=\"size-full wp-image-45 alignleft\" style=\"margin-top: -40px;\" alt=\"dena\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/dena.png\" width=\"258\" height=\"260\" /></a>\r\n<h3></h3>\r\n<h3>Dena Sherrill</h3>\r\nHousing Manager\r\n<a href=\"mailto:dsherrill@reiok.org\">dsherrill@reiok.org</a>\r\n\r\nLorem ipsum dolor sit amet, consectetuer adipiscing elit, sed diam nonummy nibh euismod tincidunt ut laoreet dolore magna aliquam erat volutpat. Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat.\r\n<div class=\"clearfix\"></div>\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/staff-2.png\"><img class=\"size-medium wp-image-46 alignleft\" style=\"margin-top: 40px;\" alt=\"staff-2\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/staff-2.png\" width=\"258\" height=\"260\" /></a>\r\n<h3>Jeremy Layman</h3>\r\nHousing Specialist\r\n<a href=\"mailto:jlaylayman@reiok.org\">jlaylayman@reiok.org</a>\r\n\r\nLorem ipsum dolor sit amet, consectetuer adipiscing elit, sed diam nonummy nibh euismod tincidunt ut laoreet dolore magna aliquam erat volutpat. Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat.\r\n<div class=\"clearfix\"></div>\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/staff-3.png\"><img class=\"size-full wp-image-47 alignleft\" style=\"margin-top: 40px;\" alt=\"staff-3\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/staff-3.png\" width=\"258\" height=\"261\" /></a>\r\n<h3>Linda Davis</h3>\r\nHousing Coordinator\r\n<a href=\"mailto:ldavis@reiok.org\">ldavis@reiok.org</a>\r\n\r\nLorem ipsum dolor sit amet, consectetuer adipiscing elit, sed diam nonummy nibh euismod tincidunt ut laoreet dolore magna aliquam erat volutpat. Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat.\r\n<div class=\"clearfix\"></div>\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/staff-4.png\"><img class=\"size-full wp-image-48 alignleft\" style=\"margin-top: 40px;\" alt=\"staff-4\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/staff-4.png\" width=\"258\" height=\"262\" /></a>\r\n<h3>Keith Malott</h3>\r\nHousing Servicing Specialist\r\n<a href=\"mailto:kmalott@reiok.org\">kmalott@reiok.org</a>\r\n\r\nLorem ipsum dolor sit amet, consectetuer adipiscing elit, sed diam nonummy nibh euismod tincidunt ut laoreet dolore magna aliquam erat volutpat. Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat.', 'Staff', '', 'inherit', 'open', 'open', '', '9-revision-v1', '', '', '2013-04-25 18:56:08', '2013-04-25 18:56:08', '', 9, 'http://reidownpayment.org/?p=113', 0, 'revision', '', 0),
(114, 1, '2013-04-25 18:56:24', '2013-04-25 18:56:24', '<h3></h3>\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/dena.png\"><img class=\"size-full wp-image-45 alignleft\" style=\"margin-top: -20px;\" alt=\"dena\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/dena.png\" width=\"258\" height=\"260\" /></a>\r\n<h3></h3>\r\n<h3>Dena Sherrill</h3>\r\nHousing Manager\r\n<a href=\"mailto:dsherrill@reiok.org\">dsherrill@reiok.org</a>\r\n\r\nLorem ipsum dolor sit amet, consectetuer adipiscing elit, sed diam nonummy nibh euismod tincidunt ut laoreet dolore magna aliquam erat volutpat. Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat.\r\n<div class=\"clearfix\"></div>\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/staff-2.png\"><img class=\"size-medium wp-image-46 alignleft\" style=\"margin-top: 40px;\" alt=\"staff-2\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/staff-2.png\" width=\"258\" height=\"260\" /></a>\r\n<h3>Jeremy Layman</h3>\r\nHousing Specialist\r\n<a href=\"mailto:jlaylayman@reiok.org\">jlaylayman@reiok.org</a>\r\n\r\nLorem ipsum dolor sit amet, consectetuer adipiscing elit, sed diam nonummy nibh euismod tincidunt ut laoreet dolore magna aliquam erat volutpat. Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat.\r\n<div class=\"clearfix\"></div>\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/staff-3.png\"><img class=\"size-full wp-image-47 alignleft\" style=\"margin-top: 40px;\" alt=\"staff-3\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/staff-3.png\" width=\"258\" height=\"261\" /></a>\r\n<h3>Linda Davis</h3>\r\nHousing Coordinator\r\n<a href=\"mailto:ldavis@reiok.org\">ldavis@reiok.org</a>\r\n\r\nLorem ipsum dolor sit amet, consectetuer adipiscing elit, sed diam nonummy nibh euismod tincidunt ut laoreet dolore magna aliquam erat volutpat. Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat.\r\n<div class=\"clearfix\"></div>\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/staff-4.png\"><img class=\"size-full wp-image-48 alignleft\" style=\"margin-top: 40px;\" alt=\"staff-4\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/staff-4.png\" width=\"258\" height=\"262\" /></a>\r\n<h3>Keith Malott</h3>\r\nHousing Servicing Specialist\r\n<a href=\"mailto:kmalott@reiok.org\">kmalott@reiok.org</a>\r\n\r\nLorem ipsum dolor sit amet, consectetuer adipiscing elit, sed diam nonummy nibh euismod tincidunt ut laoreet dolore magna aliquam erat volutpat. Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat.', 'Staff', '', 'inherit', 'open', 'open', '', '9-revision-v1', '', '', '2013-04-25 18:56:24', '2013-04-25 18:56:24', '', 9, 'http://reidownpayment.org/?p=114', 0, 'revision', '', 0),
(115, 1, '2013-04-24 16:02:37', '2013-04-24 16:02:37', 'Send us a message\r\n\r\nLorem ipsum dolor sit amet, consectetuer adipiscing elit, sed diam nonummy nibh euismod tincidunt ut laoreet dolore magna aliquam erat volutpat. Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat.\r\n\r\n[contact-form-7 id=\"4\" title=\"Contact form 1\"]\r\n\r\n[column]\r\n\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/pic-contact.png\"><img class=\"alignnone size-medium wp-image-66\" alt=\"pic-contact\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/pic-contact-300x300.png\" width=\"300\" height=\"300\" /></a>\r\n\r\n&nbsp;\r\n<div class=\"one-half\">Phone\r\n<strong>918 233 4343</strong></div>\r\n<div class=\"one-half\">Email\r\n<strong><a href=\"mailto:contact@reipda.org\">contact@reipda.org</a></strong></div>\r\n<div class=\"clearfix\"></div>\r\nAddress\r\n<strong>1234 E Something St</strong>\r\n<strong> Tulsa OK 74123</strong>', 'Contact', '', 'inherit', 'open', 'open', '', '10-revision-6', '', '', '2013-04-24 16:02:37', '2013-04-24 16:02:37', '', 10, 'http://reidownpayment.org/?p=115', 0, 'revision', '', 0),
(116, 1, '2013-04-25 18:10:55', '2013-04-25 18:10:55', 'Lorem ipsum dolor sit amet, consectetuer adipiscing elit, sed diam nonummy nibh euismod tincidunt ut laoreet dolore magna aliquam erat volutpat. Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat.', 'Loan Calculator', '', 'inherit', 'open', 'open', '', '84-revision-6', '', '', '2013-04-25 18:10:55', '2013-04-25 18:10:55', '', 84, 'http://reidownpayment.org/?p=116', 0, 'revision', '', 0),
(117, 1, '2013-04-25 18:56:39', '2013-04-25 18:56:39', '<h3></h3>\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/dena.png\"><img class=\"size-full wp-image-45 alignleft\" style=\"margin-top: 0;\" alt=\"dena\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/dena.png\" width=\"258\" height=\"260\" /></a>\r\n<h3></h3>\r\n<h3>Dena Sherrill</h3>\r\nHousing Manager\r\n<a href=\"mailto:dsherrill@reiok.org\">dsherrill@reiok.org</a>\r\n\r\nLorem ipsum dolor sit amet, consectetuer adipiscing elit, sed diam nonummy nibh euismod tincidunt ut laoreet dolore magna aliquam erat volutpat. Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat.\r\n<div class=\"clearfix\"></div>\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/staff-2.png\"><img class=\"size-medium wp-image-46 alignleft\" style=\"margin-top: 40px;\" alt=\"staff-2\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/staff-2.png\" width=\"258\" height=\"260\" /></a>\r\n<h3>Jeremy Layman</h3>\r\nHousing Specialist\r\n<a href=\"mailto:jlaylayman@reiok.org\">jlaylayman@reiok.org</a>\r\n\r\nLorem ipsum dolor sit amet, consectetuer adipiscing elit, sed diam nonummy nibh euismod tincidunt ut laoreet dolore magna aliquam erat volutpat. Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat.\r\n<div class=\"clearfix\"></div>\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/staff-3.png\"><img class=\"size-full wp-image-47 alignleft\" style=\"margin-top: 40px;\" alt=\"staff-3\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/staff-3.png\" width=\"258\" height=\"261\" /></a>\r\n<h3>Linda Davis</h3>\r\nHousing Coordinator\r\n<a href=\"mailto:ldavis@reiok.org\">ldavis@reiok.org</a>\r\n\r\nLorem ipsum dolor sit amet, consectetuer adipiscing elit, sed diam nonummy nibh euismod tincidunt ut laoreet dolore magna aliquam erat volutpat. Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat.\r\n<div class=\"clearfix\"></div>\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/staff-4.png\"><img class=\"size-full wp-image-48 alignleft\" style=\"margin-top: 40px;\" alt=\"staff-4\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/staff-4.png\" width=\"258\" height=\"262\" /></a>\r\n<h3>Keith Malott</h3>\r\nHousing Servicing Specialist\r\n<a href=\"mailto:kmalott@reiok.org\">kmalott@reiok.org</a>\r\n\r\nLorem ipsum dolor sit amet, consectetuer adipiscing elit, sed diam nonummy nibh euismod tincidunt ut laoreet dolore magna aliquam erat volutpat. Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat.', 'Staff', '', 'inherit', 'open', 'open', '', '9-revision-v1', '', '', '2013-04-25 18:56:39', '2013-04-25 18:56:39', '', 9, 'http://reidownpayment.org/?p=117', 0, 'revision', '', 0),
(118, 1, '2013-04-25 18:30:51', '2013-04-25 18:30:51', 'Do you have a good job and the ability re-pay a loan, but have not been able to save for the down payment and closing costs on a home.  REI Down Payment Assistance can help!\r\n\r\nOur Market Rate Program is structured to help low-moderate income borrowers through a program that provides you with a First and Second Mortgage.  The Second Mortgage allows you to borrower the funds required for your down payment and closing cost assistance.\r\n\r\n<b>Program Highlights:</b>\r\n\r\n<strong>Lenders:</strong>  You may use the lender of your choice, if they are approved for the REI DPA program.  Many lenders throughout the state are approved.  If you come across 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 <a>800-658-2823</a> or <a>dsherrill@reiok.org</a>.\r\n<div>\r\n\r\n<strong>Structure:</strong>  This is a First and Second Loan Program offering financing to low-to-moderate income individuals and families in Oklahoma.\r\n\r\n<strong>First Mortgage Loan Types:</strong>   FHA, HUD 184, and Rural Development\r\n\r\n<strong>First Mortgage Rates:</strong>  First Mortgage rates are set daily.\r\n\r\n</div>\r\n<strong>Structure of Assistance:</strong>  Borrower is entitled to borrow from REI DPA an amount equal to 5%, 6%, or 7%, of the first mortgage total loan amount.  The assistance will be in the form of a Second Mortgage at 7.375% fixed rate for 20 years.  There is no pre-payment penalty on the Second Mortgage.  Borrower may be reimbursed for their earnest money and prepaid expenses.\r\n\r\n<strong>Income Limits:</strong>  Income limits apply based on <i><span style=\"text-decoration: underline;\">household income (link to income limits for FHA &amp; HUD 184)</span></i>.  Rural Development standard income limits apply.\r\n\r\n<strong>Credit Score:</strong>  Minimum 620 credit score.\r\n<div>\r\n\r\n<strong>Seller Contributions:</strong>  Allowed up to first mortgage loan program maximum guidelines.\r\n\r\n</div>\r\n<strong>FHA Loan Example:</strong> <i><span style=\"text-decoration: underline;\">(attached - embed into page after the following two paragraphs)</span></i> The example below assumes a $105,000 loan at an interest rate of 3.5% amortized for 30 years.  The first part of the chart will show you the total payment you could expect on this loan with the REI second mortgage.  As you can see, the payments for the Second Mortgage are minimal due to the 20 year amortization.  You can also prepay this loan at any time, thus reducing your monthly payment.\r\n\r\nThe second portion of the chart shows the borrowers out of pocket expenses at closing.  It assumes the same loan as above, with the Seller paying 3% of the borrowers closing costs.  The amount due from the borrower is lessened based on the size of the Second Mortgage.\r\n\r\n<a title=\"Contact\" href=\"http://reidownpayment.org/?page_id=10\">Contact us</a> for more information about this program.\r\n\r\n[column]\r\n\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/pic-2.png\"><img class=\"alignnone size-medium wp-image-37\" alt=\"pic-2\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/pic-2-300x300.png\" width=\"300\" height=\"300\" /></a>\r\n<ul>\r\n	<li>Lorem ipsum dolor sit amet, consectetuer adipiscing elit</li>\r\n	<li>Lorem ipsum dolor sit amet, consectetuer adipiscing elit</li>\r\n	<li>Lorem ipsum dolor sit amet, consectetuer adipiscing elit</li>\r\n</ul>\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/pic-3.png\"><img class=\"alignnone size-medium wp-image-42\" style=\"margin-top: 150px;\" alt=\"pic-3\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/pic-3-300x300.png\" width=\"300\" height=\"300\" /></a>', 'Home Buyers', '', 'inherit', 'open', 'open', '', '6-revision-v1', '', '', '2013-04-25 18:30:51', '2013-04-25 18:30:51', '', 6, 'http://reidownpayment.org/?p=118', 0, 'revision', '', 0),
(120, 1, '2019-10-03 13:35:18', '2019-10-03 13:35:18', '<div style=\"float: left; margin: 0 20px 5px 0;\"><iframe src=\"https://www.youtube.com/embed/gj0DqbgacfM\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\"></iframe></div>\nHome is a place of comfort, refuge and rest. These feelings are amplified when you own your home, that is why home ownership is called \"The American Dream\".  Many people do not believe that they are eligible to purchase a home. We help with down payment assistance for Oklahoma home buyers, which could be the key to you becoming a homeowner.\n\nREI Down Payment Assistance has helped more than 5,500 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. There is no first time home buyer requirement.\n\nHome...Where Life Begins! Let us help, whether you are a potential home buyer or lender, contact us today at 800.658.2823 or fill out this <a href=\"http://reidownpayment.org/contact/\" target=\"_blank\" rel=\"noopener\">short form</a> for more information.', 'Down Payment Assistance for Oklahoma Homebuyers', '', 'inherit', 'open', 'open', '', '22-autosave-v1', '', '', '2019-10-03 13:35:18', '2019-10-03 13:35:18', '', 22, 'http://reidownpayment.org/?p=120', 0, 'revision', '', 0),
(124, 1, '2013-04-23 18:50:54', '2013-04-23 18:50:54', 'Assistance Amount:  5%, 6%, or 7% of the total First Mortgage Loan Amount and is structured as a Second Mortgage.\r\n\r\nSecond Mortgage Loan Terms:  20-year fixed rate fully amortizing at 7.375% interest (subject to change) No pre-payment penalties.\r\n\r\nFirst Time Homebuyer Requirement:  No\r\n\r\nIncome Guidelines Apply:  Yes, see link to income guidelines)\r\n\r\nRestrictions:  No manufactured housing.\r\n\r\nContact Us today for more info', 'First Mortgage Loan Types', '', 'inherit', 'open', 'open', '', '22-revision-v1', '', '', '2013-04-23 18:50:54', '2013-04-23 18:50:54', '', 22, 'http://reidownpayment.org/?p=124', 0, 'revision', '', 0),
(125, 1, '2013-04-30 19:02:34', '2013-04-30 19:02:34', '', 'keys', '', 'inherit', 'open', 'open', '', 'keys-2', '', '', '2013-04-30 19:02:34', '2013-04-30 19:02:34', '', 22, 'http://reidownpayment.org/wp/wp-content/uploads/2013/04/keys1.png', 0, 'attachment', 'image/png', 0),
(126, 1, '2013-04-30 19:01:55', '2013-04-30 19:01:55', 'Assistance Amount:  5%, 6%, or 7% of the total First Mortgage Loan Amount and is structured as a Second Mortgage.\r\n\r\nSecond Mortgage Loan Terms:  20-year fixed rate fully amortizing at 7.375% interest (subject to change) No pre-payment penalties.\r\n\r\nFirst Time Homebuyer Requirement:  No\r\n\r\nIncome Guidelines Apply:  Yes, see link to income guidelines)\r\n\r\nRestrictions:  No manufactured housing.\r\n\r\nContact Us today for more info', 'First Mortgage Loan Types', '', 'inherit', 'open', 'open', '', '22-revision-v1', '', '', '2013-04-30 19:01:55', '2013-04-30 19:01:55', '', 22, 'http://reidownpayment.org/?p=126', 0, 'revision', '', 0),
(127, 1, '2013-04-25 19:02:17', '2013-04-25 19:02:17', 'Do you have a good job and the ability re-pay a loan, but have not been able to save for the down payment and closing costs on a home.  REI Down Payment Assistance can help!\r\n\r\nOur Market Rate Program is structured to help low-moderate income borrowers through a program that provides you with a First and Second Mortgage.  The Second Mortgage allows you to borrower the funds required for your down payment and closing cost assistance.\r\n\r\n<b>Program Highlights:</b>\r\n\r\n<strong>Lenders:</strong>  You may use the lender of your choice, if they are approved for the REI DPA program.  Many lenders throughout the state are approved.  If you come across 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 <a>800-658-2823</a> or <a>dsherrill@reiok.org</a>.\r\n<div>\r\n\r\n<strong>Structure:</strong>  This is a First and Second Loan Program offering financing to low-to-moderate income individuals and families in Oklahoma.\r\n\r\n<strong>First Mortgage Loan Types:</strong>   FHA, HUD 184, and Rural Development\r\n\r\n<strong>First Mortgage Rates:</strong>  First Mortgage rates are set daily.\r\n\r\n</div>\r\n<strong>Structure of Assistance:</strong>  Borrower is entitled to borrow from REI DPA an amount equal to 5%, 6%, or 7%, of the first mortgage total loan amount.  The assistance will be in the form of a Second Mortgage at 7.375% fixed rate for 20 years.  There is no pre-payment penalty on the Second Mortgage.  Borrower may be reimbursed for their earnest money and prepaid expenses.\r\n\r\n<strong>Income Limits:</strong>  Income limits apply based on <i><span style=\"text-decoration: underline;\">household income (link to income limits for FHA &amp; HUD 184)</span></i>.  Rural Development standard income limits apply.\r\n\r\n<strong>Credit Score:</strong>  Minimum 620 credit score.\r\n<div>\r\n\r\n<strong>Seller Contributions:</strong>  Allowed up to first mortgage loan program maximum guidelines.\r\n\r\n</div>\r\n<strong>FHA Loan Example:</strong> <i><span style=\"text-decoration: underline;\">(attached - embed into page after the following two paragraphs)</span></i> The example below assumes a $105,000 loan at an interest rate of 3.5% amortized for 30 years.  The first part of the chart will show you the total payment you could expect on this loan with the REI second mortgage.  As you can see, the payments for the Second Mortgage are minimal due to the 20 year amortization.  You can also prepay this loan at any time, thus reducing your monthly payment.\r\n\r\nThe second portion of the chart shows the borrowers out of pocket expenses at closing.  It assumes the same loan as above, with the Seller paying 3% of the borrowers closing costs.  The amount due from the borrower is lessened based on the size of the Second Mortgage.\r\n\r\n<a title=\"Contact\" href=\"http://reidownpayment.org/?page_id=10\">Contact us</a> for more information about this program.\r\n\r\n[column]\r\n<p style=\"text-align: center;\"><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/pic-2.png\"><img class=\"size-medium wp-image-37 aligncenter\" alt=\"pic-2\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/pic-2-300x300.png\" width=\"300\" height=\"300\" /></a></p>', 'Home Buyers', '', 'inherit', 'open', 'open', '', '6-revision-v1', '', '', '2013-04-25 19:02:17', '2013-04-25 19:02:17', '', 6, 'http://reidownpayment.org/?p=127', 0, 'revision', '', 0),
(128, 1, '2013-04-30 19:15:15', '2013-04-30 19:15:15', 'Do you have a good job and the ability re-pay a loan, but have not been able to save for the down payment and closing costs on a home.  REI Down Payment Assistance can help!\r\n\r\nOur Market Rate Program is structured to help low-moderate income borrowers through a program that provides you with a First and Second Mortgage.  The Second Mortgage allows you to borrower the funds required for your down payment and closing cost assistance.\r\n\r\n<b>Program Highlights:</b>\r\n\r\n<strong>Lenders:</strong>  You may use the lender of your choice, if they are approved for the REI DPA program.  Many lenders throughout the state are approved.  If you come across 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 <a>800-658-2823</a> or <a>dsherrill@reiok.org</a>.\r\n<div>\r\n\r\n<strong>Structure:</strong>  This is a First and Second Loan Program offering financing to low-to-moderate income individuals and families in Oklahoma.\r\n\r\n<strong>First Mortgage Loan Types:</strong>   FHA, HUD 184, and Rural Development\r\n\r\n<strong>First Mortgage Rates:</strong>  First Mortgage rates are set daily.\r\n\r\n</div>\r\n<strong>Structure of Assistance:</strong>  Borrower is entitled to borrow from REI DPA an amount equal to 5%, 6%, or 7%, of the first mortgage total loan amount.  The assistance will be in the form of a Second Mortgage at 7.375% fixed rate for 20 years.  There is no pre-payment penalty on the Second Mortgage.  Borrower may be reimbursed for their earnest money and prepaid expenses.\r\n\r\n<strong>Income Limits:</strong>  Income limits apply based on <i><span style=\"text-decoration: underline;\">household income (link to income limits for FHA &amp; HUD 184)</span></i>.  Rural Development standard income limits apply.\r\n\r\n<strong>Credit Score:</strong>  Minimum 620 credit score.\r\n<div>\r\n\r\n<strong>Seller Contributions:</strong>  Allowed up to first mortgage loan program maximum guidelines.\r\n\r\n</div>\r\n<strong>FHA Loan Example:  </strong>The example below assumes a $105,000 loan at an interest rate of 3.5% amortized for 30 years.  The first part of the chart will show you the total payment you could expect on this loan with the REI second mortgage.  As you can see, the payments for the Second Mortgage are minimal due to the 20 year amortization.  You can also prepay this loan at any time, thus reducing your monthly payment.\r\n\r\nThe second portion of the chart shows the borrowers out of pocket expenses at closing.  It assumes the same loan as above, with the Seller paying 3% of the borrowers closing costs.  The amount due from the borrower is lessened based on the size of the Second Mortgage.\r\n\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/Screen-Shot-2013-04-25-at-1.48.24-PM.png\"><img class=\"alignnone size-full wp-image-106\" alt=\"Screen Shot 2013-04-25 at 1.48.24 PM\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/Screen-Shot-2013-04-25-at-1.48.24-PM.png\" width=\"482\" height=\"588\" /></a>\r\n\r\n<a title=\"Contact\" href=\"http://reidownpayment.org/?page_id=10\">Contact us</a> for more information about this program.\r\n\r\n[column]\r\n<p style=\"text-align: center;\"><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/pic-2.png\"><img class=\"size-medium wp-image-37 aligncenter\" alt=\"pic-2\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/pic-2-300x300.png\" width=\"300\" height=\"300\" /></a></p>', 'Home Buyers', '', 'inherit', 'open', 'open', '', '6-revision-v1', '', '', '2013-04-30 19:15:15', '2013-04-30 19:15:15', '', 6, 'http://reidownpayment.org/?p=128', 0, 'revision', '', 0),
(129, 1, '2013-04-30 19:15:22', '2013-04-30 19:15:22', 'Do you have a good job and the ability re-pay a loan, but have not been able to save for the down payment and closing costs on a home.  REI Down Payment Assistance can help!\r\n\r\nOur Market Rate Program is structured to help low-moderate income borrowers through a program that provides you with a First and Second Mortgage.  The Second Mortgage allows you to borrower the funds required for your down payment and closing cost assistance.\r\n\r\n<b>Program Highlights:</b>\r\n\r\n<strong>Lenders:</strong>  You may use the lender of your choice, if they are approved for the REI DPA program.  Many lenders throughout the state are approved.  If you come across 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 <a>800-658-2823</a> or <a>dsherrill@reiok.org</a>.\r\n<div>\r\n\r\n<strong>Structure:</strong>  This is a First and Second Loan Program offering financing to low-to-moderate income individuals and families in Oklahoma.\r\n\r\n<strong>First Mortgage Loan Types:</strong>   FHA, HUD 184, and Rural Development\r\n\r\n<strong>First Mortgage Rates:</strong>  First Mortgage rates are set daily.\r\n\r\n</div>\r\n<strong>Structure of Assistance:</strong>  Borrower is entitled to borrow from REI DPA an amount equal to 5%, 6%, or 7%, of the first mortgage total loan amount.  The assistance will be in the form of a Second Mortgage at 7.375% fixed rate for 20 years.  There is no pre-payment penalty on the Second Mortgage.  Borrower may be reimbursed for their earnest money and prepaid expenses.\r\n\r\n<strong>Income Limits:</strong>  Income limits apply based on <i><span style=\"text-decoration: underline;\">household income (link to income limits for FHA &amp; HUD 184)</span></i>.  Rural Development standard income limits apply.\r\n\r\n<strong>Credit Score:</strong>  Minimum 620 credit score.\r\n<div>\r\n\r\n<strong>Seller Contributions:</strong>  Allowed up to first mortgage loan program maximum guidelines.\r\n\r\n</div>\r\n<strong>FHA Loan Example:  </strong>The example below assumes a $105,000 loan at an interest rate of 3.5% amortized for 30 years.  The first part of the chart will show you the total payment you could expect on this loan with the REI second mortgage.  As you can see, the payments for the Second Mortgage are minimal due to the 20 year amortization.  You can also prepay this loan at any time, thus reducing your monthly payment.\r\n\r\nThe second portion of the chart shows the borrowers out of pocket expenses at closing.  It assumes the same loan as above, with the Seller paying 3% of the borrowers closing costs.  The amount due from the borrower is lessened based on the size of the Second Mortgage.\r\n\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/Screen-Shot-2013-04-25-at-1.48.24-PM.png\"><img class=\"alignnone size-full wp-image-106\" alt=\"Screen Shot 2013-04-25 at 1.48.24 PM\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/Screen-Shot-2013-04-25-at-1.48.24-PM.png\" width=\"482\" height=\"588\" /></a>\r\n\r\n<a title=\"Contact\" href=\"http://reidownpayment.org/?page_id=10\">Contact us</a> for more information about this program.\r\n\r\n[column]\r\n<p style=\"text-align: center;\"><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/pic-2.png\"><img class=\"size-medium wp-image-37 aligncenter\" alt=\"pic-2\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/pic-2-300x300.png\" width=\"300\" height=\"300\" /></a></p>', 'Home Buyers', '', 'inherit', 'open', 'open', '', '6-revision-v1', '', '', '2013-04-30 19:15:22', '2013-04-30 19:15:22', '', 6, 'http://reidownpayment.org/?p=129', 0, 'revision', '', 0),
(130, 1, '2013-04-25 18:53:35', '2013-04-25 18:53:35', '<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/pic-2.png\"><img class=\"size-medium wp-image-37 alignright\" alt=\"pic-2\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/pic-2-300x300.png\" width=\"300\" height=\"300\" /></a>\r\n\r\nREI Down Payment Assistance will allow you to offer up to 100% financing to your borrowers.   We are HUD approved as an instrumentality of government for this program, therefore our funds are an eligible source of down payment.  The program is flexible and meets the needs of many Oklahoma homebuyers.  Highlights of the program are listed below:\r\n\r\n<strong>Eligible Lenders:</strong>  Must be approved as a Mortgage Clearing Corporation (MCC) Correspondent Lender and in good standing or be associated with an approved Third Party Originator.\r\n\r\n<strong>Structure:</strong>  This is a First and Second Loan Program offering financing to low-to-moderate income individuals and families in Oklahoma.\r\n\r\n<strong>First Mortgage Loan Types:</strong>  FHA, HUD 184, and Rural Development\r\n\r\n<strong>Structure of Assistance:</strong>  Borrower is entitled to borrow from REI Oklahoma an amount equal to 5%, 6%, or 7%, of the first mortgage total loan amount including upfront MIP.  The assistance will be in the form of a Second Mortgage at 7.375% fixed rate for 20 years.  There is no pre-payment penalty on the Second Mortgage.  Borrower may be reimbursed for their earnest money and prepaid expenses.\r\n\r\n<strong>Income Limits: </strong>\r\n\r\nFHA &amp; HUD 184 Limits – Limits are based on household income.  You must count the income of all adult income earning household members.\r\n\r\n<strong>Rural Development Limits:</strong>   Use Rural Development’s standard income guidelines.\r\n\r\n<strong>First Mortgage Rates:</strong>  First Mortgage rates are set daily by Mortgage Clearing.  Lenders will have a 45 day lock and delivery period.\r\n\r\n<strong>Credit Score:</strong>  Minimum 620 credit score – See Program Summary for detailed information about credit score requirements.\r\n\r\n<strong>DTI:</strong>  Maximum of 45% on DU approved loans.\r\n\r\n<strong>Seller Contributions:</strong>  Allowed up to first mortgage loan program maximum guidelines.\r\n\r\n<strong>Lender Compensation/First Mortgage Fees:</strong>  There is no yield spread on the first mortgage loan, the lender will charge a 2% origination fee and Mortgage Clearing Correspondent lenders will receive an SRP.    There will also be a $295 delivery fee paid to MCC and must be disclosed on the First Mortgage.\r\n\r\n<strong>Second Mortgage Fees:</strong>  There are no fees associated with the Second Mortgage with the exception of Mortgage Tax, Recording Fees, and title company charges.\r\n\r\n<strong>FHA Loan Example:</strong> <i><span style=\"text-decoration: underline;\">\r\n</span></i>\r\n\r\n<img class=\"alignnone size-full wp-image-106\" alt=\"Screen Shot 2013-04-25 at 1.48.24 PM\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/Screen-Shot-2013-04-25-at-1.48.24-PM.png\" width=\"482\" height=\"588\" />\r\n\r\nFor more detailed information please review the <a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/REIOKdpamccprogramsummary.pdf\">Program Summary</a> or call Dena Sherrill, REI Down Payment Assistance Program Manager at <a>800-658-2823</a> or <a>dsherrill@reiok.org</a> to become an approved lender today.\r\n\r\nProgram Information &amp; Forms:\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/REIOKdpamccprogramsummary.pdf\">Program Summary</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/incomeguidelines.pdf\">Income Guidelines</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/Loan-Registration-Form.xls\">Loan Registration Form</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/Income-Worksheet.xls\">Family Income Worksheet</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/MORTGAGORS-AGREEMENT-DISCLOSURE-FORM.pdf\">Mortgagor’s Agreement and Acknowledgement of Disclosure</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/SECOND-LIEN-RIDER.pdf\">Second Lien Rider</a></li>\r\n</ul>', 'Lenders', '', 'inherit', 'open', 'open', '', '7-revision-v1', '', '', '2013-04-25 18:53:35', '2013-04-25 18:53:35', '', 7, 'http://reidownpayment.org/?p=130', 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
(131, 1, '2013-04-25 18:57:15', '2013-04-25 18:57:15', '[contact-form-7 id=\"4\" title=\"Contact form 1\"]\r\n\r\n[column]\r\n\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/pic-contact.png\"><img class=\"alignnone size-medium wp-image-66\" alt=\"pic-contact\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/pic-contact-300x300.png\" width=\"300\" height=\"300\" /></a>\r\n\r\n&nbsp;\r\n<div class=\"one-half\">Phone\r\n<strong>918 233 4343</strong></div>\r\n<div class=\"one-half\">Email\r\n<strong><a href=\"mailto:contact@reipda.org\">contact@reipda.org</a></strong></div>\r\n<div class=\"clearfix\"></div>\r\nAddress\r\n<strong>1234 E Something St</strong>\r\n<strong> Tulsa OK 74123</strong>', 'Contact', '', 'inherit', 'open', 'open', '', '10-revision-7', '', '', '2013-04-25 18:57:15', '2013-04-25 18:57:15', '', 10, 'http://reidownpayment.org/?p=131', 0, 'revision', '', 0),
(132, 1, '2013-04-30 19:17:40', '2013-04-30 19:17:40', '<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/pic-2.png\"><img class=\"size-medium wp-image-37 alignright\" alt=\"pic-2\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/pic-2-300x300.png\" width=\"300\" height=\"300\" /></a>\r\n\r\nREI Down Payment Assistance will allow you to offer up to 100% financing to your borrowers.   We are HUD approved as an instrumentality of government for this program, therefore our funds are an eligible source of down payment.  The program is flexible and meets the needs of many Oklahoma homebuyers.  Highlights of the program are listed below:\r\n\r\n<strong>Eligible Lenders:</strong>  Must be approved as a Mortgage Clearing Corporation (MCC) Correspondent Lender and in good standing or be associated with an approved Third Party Originator.\r\n\r\n<strong>Structure:</strong>  This is a First and Second Loan Program offering financing to low-to-moderate income individuals and families in Oklahoma.\r\n\r\n<strong>First Mortgage Loan Types:</strong>  FHA, HUD 184, and Rural Development\r\n\r\n<strong>Structure of Assistance:</strong>  Borrower is entitled to borrow from REI Oklahoma an amount equal to 5%, 6%, or 7%, of the first mortgage total loan amount including upfront MIP.  The assistance will be in the form of a Second Mortgage at 7.375% fixed rate for 20 years.  There is no pre-payment penalty on the Second Mortgage.  Borrower may be reimbursed for their earnest money and prepaid expenses.\r\n\r\n<strong>Income Limits: </strong>\r\n\r\nFHA &amp; HUD 184 Limits – Limits are based on household income.  You must count the income of all adult income earning household members.\r\n\r\n<strong>Rural Development Limits:</strong>   Use Rural Development’s standard income guidelines.\r\n\r\n<strong>First Mortgage Rates:</strong>  First Mortgage rates are set daily by Mortgage Clearing.  Lenders will have a 45 day lock and delivery period.\r\n\r\n<strong>Second Mortgage Rates:</strong> 7.375%\r\n\r\n<strong>Credit Score:</strong>  Minimum 620 credit score – See Program Summary for detailed information about credit score requirements.\r\n\r\n<strong>DTI:</strong>  Maximum of 45% on DU approved loans.\r\n\r\n<strong>Seller Contributions:</strong>  Allowed up to first mortgage loan program maximum guidelines.\r\n\r\n<strong>Lender Compensation/First Mortgage Fees:</strong>  There is no yield spread on the first mortgage loan, the lender will charge a 2% origination fee and Mortgage Clearing Correspondent lenders will receive an SRP.    There will also be a $295 delivery fee paid to MCC and must be disclosed on the First Mortgage.\r\n\r\n<strong>Second Mortgage Fees:</strong>  There are no fees associated with the Second Mortgage with the exception of Mortgage Tax, Recording Fees, and title company charges.\r\n\r\n<strong>FHA Loan Example:</strong> <i><span style=\"text-decoration: underline;\">\r\n</span></i>\r\n\r\n<img class=\"alignnone size-full wp-image-106\" alt=\"Screen Shot 2013-04-25 at 1.48.24 PM\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/Screen-Shot-2013-04-25-at-1.48.24-PM.png\" width=\"482\" height=\"588\" />\r\n\r\nFor more detailed information please review the <a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/REIOKdpamccprogramsummary.pdf\">Program Summary</a> or call Dena Sherrill, REI Down Payment Assistance Program Manager at <a>800-658-2823</a> or <a>dsherrill@reiok.org</a> to become an approved lender today.\r\n\r\nProgram Information &amp; Forms:\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/REIOKdpamccprogramsummary.pdf\">Program Summary</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/incomeguidelines.pdf\">Income Guidelines</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/Loan-Registration-Form.xls\">Loan Registration Form</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/Income-Worksheet.xls\">Family Income Worksheet</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/MORTGAGORS-AGREEMENT-DISCLOSURE-FORM.pdf\">Mortgagor’s Agreement and Acknowledgement of Disclosure</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/SECOND-LIEN-RIDER.pdf\">Second Lien Rider</a></li>\r\n</ul>', 'Lenders', '', 'inherit', 'open', 'open', '', '7-revision-v1', '', '', '2013-04-30 19:17:40', '2013-04-30 19:17:40', '', 7, 'http://reidownpayment.org/?p=132', 0, 'revision', '', 0),
(133, 1, '2013-04-30 20:03:09', '2013-04-30 20:03:09', '<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/pic-2.png\"><img class=\"size-medium wp-image-37 alignright\" alt=\"pic-2\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/pic-2-300x300.png\" width=\"300\" height=\"300\" /></a>\r\n\r\nREI Down Payment Assistance will allow you to offer up to 100% financing to your borrowers.   We are HUD approved as an instrumentality of government for this program, therefore our funds are an eligible source of down payment.  The program is flexible and meets the needs of many Oklahoma homebuyers.  Highlights of the program are listed below:\r\n\r\n<strong>Eligible Lenders:</strong>  Must be approved as a Mortgage Clearing Corporation (MCC) Correspondent Lender and in good standing or be associated with an approved Third Party Originator.\r\n\r\n<strong>Structure:</strong>  This is a First and Second Loan Program offering financing to low-to-moderate income individuals and families in Oklahoma.\r\n\r\n<strong>First Mortgage Loan Types:</strong>  FHA, HUD 184, and Rural Development\r\n\r\n<strong>Structure of Assistance:</strong>  Borrower is entitled to borrow from REI Oklahoma an amount equal to 5%, 6%, or 7%, of the first mortgage total loan amount including upfront MIP.  The assistance will be in the form of a Second Mortgage at 7.375% fixed rate for 20 years.  There is no pre-payment penalty on the Second Mortgage.  Borrower may be reimbursed for their earnest money and prepaid expenses.\r\n\r\n<strong>Income Limits: </strong>\r\n\r\nFHA &amp; HUD 184 Limits – Limits are based on household income.  You must count the income of all adult income earning household members.\r\n\r\n<strong>Rural Development Limits:</strong>   Use Rural Development’s standard income guidelines.\r\n\r\n<strong>First Mortgage Rates:</strong>  First Mortgage rates are set daily by Mortgage Clearing.  Lenders will have a 45 day lock and delivery period.\r\n\r\n<strong>Second Mortgage Rates:</strong> 7.375%\r\n\r\n<strong>Credit Score:</strong>  Minimum 620 credit score – See Program Summary for detailed information about credit score requirements.\r\n\r\n<strong>DTI:</strong>  Maximum of 45% on DU approved loans.\r\n\r\n<strong>Seller Contributions:</strong>  Allowed up to first mortgage loan program maximum guidelines.\r\n\r\n<strong>Lender Compensation/First Mortgage Fees:</strong>  There is no yield spread on the first mortgage loan, the lender will charge a 2% origination fee and Mortgage Clearing Correspondent lenders will receive an SRP.    There will also be a $295 delivery fee paid to MCC and must be disclosed on the First Mortgage.\r\n\r\n<strong>Second Mortgage Fees:</strong>  There are no fees associated with the Second Mortgage with the exception of Mortgage Tax, Recording Fees, and title company charges.\r\n\r\n<strong>FHA Loan Example:</strong> <i><span style=\"text-decoration: underline;\">\r\n</span></i>\r\n\r\nFor more detailed information please review the <a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/REIOKdpamccprogramsummary.pdf\">Program Summary</a> or call Dena Sherrill, REI Down Payment Assistance Program Manager at <a>800-658-2823</a> or <a>dsherrill@reiok.org</a> to become an approved lender today.\r\n<table cellspacing=\"0\" cellpadding=\"0\">\r\n<tbody>\r\n<tr>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n</tr>\r\n<tr>\r\n<td valign=\"middle\"></td>\r\n<td colspan=\"4\" valign=\"middle\"><b> FHA loan with varying 2nd mortgage amounts</b></td>\r\n</tr>\r\n<tr>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n</tr>\r\n<tr>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"><b> Assumptions:</b></td>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n</tr>\r\n<tr>\r\n<td valign=\"middle\"></td>\r\n<td colspan=\"3\" valign=\"middle\"><b> * First mortgage interest rate of 3.500% (rate published daily)</b></td>\r\n<td valign=\"middle\"></td>\r\n</tr>\r\n<tr>\r\n<td valign=\"middle\"></td>\r\n<td colspan=\"2\" valign=\"middle\"><b> ** Second mortgage interest rate of 7.375%</b></td>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n</tr>\r\n<tr>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"><b> </b></td>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n</tr>\r\n<tr>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n<td colspan=\"3\" valign=\"middle\"><b> Second Mortgage Percentage</b></td>\r\n</tr>\r\n<tr>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"><b> 5%</b></td>\r\n<td valign=\"middle\"><b> 6%</b></td>\r\n<td valign=\"middle\"><b> 7%</b></td>\r\n</tr>\r\n<tr>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"> Purchase price</td>\r\n<td valign=\"middle\"> $105,000</td>\r\n<td valign=\"middle\"> $105,000</td>\r\n<td valign=\"middle\"> $105,000</td>\r\n</tr>\r\n<tr>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n</tr>\r\n<tr>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"> Down payment</td>\r\n<td valign=\"middle\"> $3,675</td>\r\n<td valign=\"middle\"> $3,675</td>\r\n<td valign=\"middle\"> $3,675</td>\r\n</tr>\r\n<tr>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n</tr>\r\n<tr>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"> Estimated closing costs</td>\r\n<td valign=\"middle\"> $7,350</td>\r\n<td valign=\"middle\"> $7,350</td>\r\n<td valign=\"middle\"> $7,350</td>\r\n</tr>\r\n<tr>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n</tr>\r\n<tr>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"> 1st mortgage total loan amount</td>\r\n<td valign=\"middle\"> $102,338</td>\r\n<td valign=\"middle\"> $102,338</td>\r\n<td valign=\"middle\"> $102,338</td>\r\n</tr>\r\n<tr>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n</tr>\r\n<tr>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"><b> 2nd mortgage</b></td>\r\n<td valign=\"middle\"><b> $5,117</b></td>\r\n<td valign=\"middle\"><b> $6,140</b></td>\r\n<td valign=\"middle\"><b> $7,164</b></td>\r\n</tr>\r\n<tr>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n</tr>\r\n<tr>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"> 1st mortgage payment*</td>\r\n<td valign=\"middle\"> $  700.16</td>\r\n<td valign=\"middle\"> $  700.16</td>\r\n<td valign=\"middle\"> $  700.16</td>\r\n</tr>\r\n<tr>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n</tr>\r\n<tr>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"> 2nd mortgage payment</td>\r\n<td valign=\"middle\"> $   40.83</td>\r\n<td valign=\"middle\"> $   49.00</td>\r\n<td valign=\"middle\"> $   57.17</td>\r\n</tr>\r\n<tr>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n</tr>\r\n<tr>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"><b> Total monthly payment</b></td>\r\n<td valign=\"middle\"><b> $  740.99</b></td>\r\n<td valign=\"middle\"><b> $  749.16</b></td>\r\n<td valign=\"middle\"><b> $  757.33</b></td>\r\n</tr>\r\n<tr>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"><b> </b></td>\r\n<td valign=\"middle\"><b> </b></td>\r\n<td valign=\"middle\"><b> </b></td>\r\n<td valign=\"middle\"><b> </b></td>\r\n</tr>\r\n<tr>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"><b> * Includes estimated taxes and insurance</b></td>\r\n<td valign=\"middle\"><b> </b></td>\r\n<td valign=\"middle\"><b> </b></td>\r\n<td valign=\"middle\"><b> </b></td>\r\n</tr>\r\n<tr>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"><b> </b></td>\r\n<td valign=\"middle\"><b> </b></td>\r\n<td valign=\"middle\"><b> </b></td>\r\n<td valign=\"middle\"><b> </b></td>\r\n</tr>\r\n<tr>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"><b> </b></td>\r\n<td valign=\"middle\"><b> </b></td>\r\n<td valign=\"middle\"><b> </b></td>\r\n<td valign=\"middle\"><b> </b></td>\r\n</tr>\r\n<tr>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"><b> </b></td>\r\n<td valign=\"middle\"><b> </b></td>\r\n<td valign=\"middle\"><b> </b></td>\r\n<td valign=\"middle\"><b> </b></td>\r\n</tr>\r\n<tr>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"><b> </b></td>\r\n<td valign=\"middle\"><b> </b></td>\r\n<td valign=\"middle\"><b> </b></td>\r\n<td valign=\"middle\"><b> </b></td>\r\n</tr>\r\n<tr>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n</tr>\r\n<tr>\r\n<td valign=\"middle\"></td>\r\n<td colspan=\"4\" valign=\"middle\"><b> Borrower out-of-pocket on FHA loan</b></td>\r\n</tr>\r\n<tr>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n</tr>\r\n<tr>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n<td colspan=\"3\" valign=\"middle\"><b> Second Mortgage Percentage</b></td>\r\n</tr>\r\n<tr>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"><b> 5%</b></td>\r\n<td valign=\"middle\"><b> 6%</b></td>\r\n<td valign=\"middle\"><b> 7%</b></td>\r\n</tr>\r\n<tr>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"> Down payment</td>\r\n<td valign=\"middle\"> $3,675</td>\r\n<td valign=\"middle\"> $3,675</td>\r\n<td valign=\"middle\"> $3,675</td>\r\n</tr>\r\n<tr>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n</tr>\r\n<tr>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"> Estimated closing costs</td>\r\n<td valign=\"middle\"> $7,350</td>\r\n<td valign=\"middle\"> $7,350</td>\r\n<td valign=\"middle\"> $7,350</td>\r\n</tr>\r\n<tr>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n</tr>\r\n<tr>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"> Total</td>\r\n<td valign=\"middle\"> $11,025</td>\r\n<td valign=\"middle\"> $11,025</td>\r\n<td valign=\"middle\"> $11,025</td>\r\n</tr>\r\n<tr>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n</tr>\r\n<tr>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"> Less 2nd mortgage</td>\r\n<td valign=\"middle\"> ($5,117)</td>\r\n<td valign=\"middle\"> ($6,140)</td>\r\n<td valign=\"middle\"> ($7,164)</td>\r\n</tr>\r\n<tr>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n</tr>\r\n<tr>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"> Less 3% seller concession</td>\r\n<td valign=\"middle\"> ($3,150)</td>\r\n<td valign=\"middle\"> ($3,150)</td>\r\n<td valign=\"middle\"> ($3,150)</td>\r\n</tr>\r\n<tr>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n</tr>\r\n<tr>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"><b> Due from borrower</b></td>\r\n<td valign=\"middle\"><b> $2,758</b></td>\r\n<td valign=\"middle\"><b> $1,735</b></td>\r\n<td valign=\"middle\"><b> $  711</b></td>\r\n</tr>\r\n</tbody>\r\n</table>\r\nProgram Information &amp; Forms:\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/REIOKdpamccprogramsummary.pdf\">Program Summary</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/incomeguidelines.pdf\">Income Guidelines</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/Loan-Registration-Form.xls\">Loan Registration Form</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/Income-Worksheet.xls\">Family Income Worksheet</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/MORTGAGORS-AGREEMENT-DISCLOSURE-FORM.pdf\">Mortgagor’s Agreement and Acknowledgement of Disclosure</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/SECOND-LIEN-RIDER.pdf\">Second Lien Rider</a></li>\r\n</ul>', 'Lenders', '', 'inherit', 'open', 'open', '', '7-revision-v1', '', '', '2013-04-30 20:03:09', '2013-04-30 20:03:09', '', 7, 'http://reidownpayment.org/?p=133', 0, 'revision', '', 0),
(134, 1, '2013-04-30 20:07:10', '2013-04-30 20:07:10', '<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/pic-2.png\"><img class=\"size-medium wp-image-37 alignright\" alt=\"pic-2\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/pic-2-300x300.png\" width=\"300\" height=\"300\" /></a>\r\n\r\nREI Down Payment Assistance will allow you to offer up to 100% financing to your borrowers.   We are HUD approved as an instrumentality of government for this program, therefore our funds are an eligible source of down payment.  The program is flexible and meets the needs of many Oklahoma homebuyers.  Highlights of the program are listed below:\r\n\r\n<strong>Eligible Lenders:</strong>  Must be approved as a Mortgage Clearing Corporation (MCC) Correspondent Lender and in good standing or be associated with an approved Third Party Originator.\r\n\r\n<strong>Structure:</strong>  This is a First and Second Loan Program offering financing to low-to-moderate income individuals and families in Oklahoma.\r\n\r\n<strong>First Mortgage Loan Types:</strong>  FHA, HUD 184, and Rural Development\r\n\r\n<strong>Structure of Assistance:</strong>  Borrower is entitled to borrow from REI Oklahoma an amount equal to 5%, 6%, or 7%, of the first mortgage total loan amount including upfront MIP.  The assistance will be in the form of a Second Mortgage at 7.375% fixed rate for 20 years.  There is no pre-payment penalty on the Second Mortgage.  Borrower may be reimbursed for their earnest money and prepaid expenses.\r\n\r\n<strong>Income Limits: </strong>\r\n\r\nFHA &amp; HUD 184 Limits – Limits are based on household income.  You must count the income of all adult income earning household members.\r\n\r\n<strong>Rural Development Limits:</strong>   Use Rural Development’s standard income guidelines.\r\n\r\n<strong>First Mortgage Rates:</strong>  First Mortgage rates are set daily by Mortgage Clearing.  Lenders will have a 45 day lock and delivery period.\r\n\r\n<strong>Second Mortgage Rates:</strong> 7.375%\r\n\r\n<strong>Credit Score:</strong>  Minimum 620 credit score – See Program Summary for detailed information about credit score requirements.\r\n\r\n<strong>DTI:</strong>  Maximum of 45% on DU approved loans.\r\n\r\n<strong>Seller Contributions:</strong>  Allowed up to first mortgage loan program maximum guidelines.\r\n\r\n<strong>Lender Compensation/First Mortgage Fees:</strong>  There is no yield spread on the first mortgage loan, the lender will charge a 2% origination fee and Mortgage Clearing Correspondent lenders will receive an SRP.    There will also be a $295 delivery fee paid to MCC and must be disclosed on the First Mortgage.\r\n\r\n<strong>Second Mortgage Fees:</strong>  There are no fees associated with the Second Mortgage with the exception of Mortgage Tax, Recording Fees, and title company charges.\r\n\r\n<strong>FHA Loan Example:</strong> <i><span style=\"text-decoration: underline;\">\r\n</span></i>\r\n\r\nFor more detailed information please review the <a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/REIOKdpamccprogramsummary.pdf\">Program Summary</a> or call Dena Sherrill, REI Down Payment Assistance Program Manager at <a>800-658-2823</a> or <a>dsherrill@reiok.org</a> to become an approved lender today.\r\n<table cellspacing=\"0\" cellpadding=\"10\">\r\n<tbody>\r\n<tr>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n</tr>\r\n<tr>\r\n<td valign=\"middle\"></td>\r\n<td colspan=\"4\" valign=\"middle\"><b> FHA loan with varying 2nd mortgage amounts</b></td>\r\n</tr>\r\n<tr>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n</tr>\r\n<tr>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"><b> Assumptions:</b></td>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n</tr>\r\n<tr>\r\n<td valign=\"middle\"></td>\r\n<td colspan=\"3\" valign=\"middle\"><b> * First mortgage interest rate of 3.500% (rate published daily)</b></td>\r\n<td valign=\"middle\"></td>\r\n</tr>\r\n<tr>\r\n<td valign=\"middle\"></td>\r\n<td colspan=\"2\" valign=\"middle\"><b> ** Second mortgage interest rate of 7.375%</b></td>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n</tr>\r\n<tr>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"><b> </b></td>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n</tr>\r\n<tr>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n<td colspan=\"3\" valign=\"middle\"><b> Second Mortgage Percentage</b></td>\r\n</tr>\r\n<tr>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"><b> 5%</b></td>\r\n<td valign=\"middle\"><b> 6%</b></td>\r\n<td valign=\"middle\"><b> 7%</b></td>\r\n</tr>\r\n<tr>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"> Purchase price</td>\r\n<td valign=\"middle\"> $105,000</td>\r\n<td valign=\"middle\"> $105,000</td>\r\n<td valign=\"middle\"> $105,000</td>\r\n</tr>\r\n<tr>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n</tr>\r\n<tr>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"> Down payment</td>\r\n<td valign=\"middle\"> $3,675</td>\r\n<td valign=\"middle\"> $3,675</td>\r\n<td valign=\"middle\"> $3,675</td>\r\n</tr>\r\n<tr>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n</tr>\r\n<tr>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"> Estimated closing costs</td>\r\n<td valign=\"middle\"> $7,350</td>\r\n<td valign=\"middle\"> $7,350</td>\r\n<td valign=\"middle\"> $7,350</td>\r\n</tr>\r\n<tr>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n</tr>\r\n<tr>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"> 1st mortgage total loan amount</td>\r\n<td valign=\"middle\"> $102,338</td>\r\n<td valign=\"middle\"> $102,338</td>\r\n<td valign=\"middle\"> $102,338</td>\r\n</tr>\r\n<tr>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n</tr>\r\n<tr>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"><b> 2nd mortgage</b></td>\r\n<td valign=\"middle\"><b> $5,117</b></td>\r\n<td valign=\"middle\"><b> $6,140</b></td>\r\n<td valign=\"middle\"><b> $7,164</b></td>\r\n</tr>\r\n<tr>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n</tr>\r\n<tr>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"> 1st mortgage payment*</td>\r\n<td valign=\"middle\"> $  700.16</td>\r\n<td valign=\"middle\"> $  700.16</td>\r\n<td valign=\"middle\"> $  700.16</td>\r\n</tr>\r\n<tr>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n</tr>\r\n<tr>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"> 2nd mortgage payment</td>\r\n<td valign=\"middle\"> $   40.83</td>\r\n<td valign=\"middle\"> $   49.00</td>\r\n<td valign=\"middle\"> $   57.17</td>\r\n</tr>\r\n<tr>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n</tr>\r\n<tr>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"><b> Total monthly payment</b></td>\r\n<td valign=\"middle\"><b> $  740.99</b></td>\r\n<td valign=\"middle\"><b> $  749.16</b></td>\r\n<td valign=\"middle\"><b> $  757.33</b></td>\r\n</tr>\r\n<tr>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"><b> </b></td>\r\n<td valign=\"middle\"><b> </b></td>\r\n<td valign=\"middle\"><b> </b></td>\r\n<td valign=\"middle\"><b> </b></td>\r\n</tr>\r\n<tr>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"><b> * Includes estimated taxes and insurance</b></td>\r\n<td valign=\"middle\"><b> </b></td>\r\n<td valign=\"middle\"><b> </b></td>\r\n<td valign=\"middle\"><b> </b></td>\r\n</tr>\r\n<tr>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"><b> </b></td>\r\n<td valign=\"middle\"><b> </b></td>\r\n<td valign=\"middle\"><b> </b></td>\r\n<td valign=\"middle\"><b> </b></td>\r\n</tr>\r\n<tr>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"><b> </b></td>\r\n<td valign=\"middle\"><b> </b></td>\r\n<td valign=\"middle\"><b> </b></td>\r\n<td valign=\"middle\"><b> </b></td>\r\n</tr>\r\n<tr>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"><b> </b></td>\r\n<td valign=\"middle\"><b> </b></td>\r\n<td valign=\"middle\"><b> </b></td>\r\n<td valign=\"middle\"><b> </b></td>\r\n</tr>\r\n<tr>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"><b> </b></td>\r\n<td valign=\"middle\"><b> </b></td>\r\n<td valign=\"middle\"><b> </b></td>\r\n<td valign=\"middle\"><b> </b></td>\r\n</tr>\r\n<tr>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n</tr>\r\n<tr>\r\n<td valign=\"middle\"></td>\r\n<td colspan=\"4\" valign=\"middle\"><b> Borrower out-of-pocket on FHA loan</b></td>\r\n</tr>\r\n<tr>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n</tr>\r\n<tr>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n<td colspan=\"3\" valign=\"middle\"><b> Second Mortgage Percentage</b></td>\r\n</tr>\r\n<tr>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"><b> 5%</b></td>\r\n<td valign=\"middle\"><b> 6%</b></td>\r\n<td valign=\"middle\"><b> 7%</b></td>\r\n</tr>\r\n<tr>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"> Down payment</td>\r\n<td valign=\"middle\"> $3,675</td>\r\n<td valign=\"middle\"> $3,675</td>\r\n<td valign=\"middle\"> $3,675</td>\r\n</tr>\r\n<tr>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n</tr>\r\n<tr>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"> Estimated closing costs</td>\r\n<td valign=\"middle\"> $7,350</td>\r\n<td valign=\"middle\"> $7,350</td>\r\n<td valign=\"middle\"> $7,350</td>\r\n</tr>\r\n<tr>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n</tr>\r\n<tr>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"> Total</td>\r\n<td valign=\"middle\"> $11,025</td>\r\n<td valign=\"middle\"> $11,025</td>\r\n<td valign=\"middle\"> $11,025</td>\r\n</tr>\r\n<tr>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n</tr>\r\n<tr>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"> Less 2nd mortgage</td>\r\n<td valign=\"middle\"> ($5,117)</td>\r\n<td valign=\"middle\"> ($6,140)</td>\r\n<td valign=\"middle\"> ($7,164)</td>\r\n</tr>\r\n<tr>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n</tr>\r\n<tr>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"> Less 3% seller concession</td>\r\n<td valign=\"middle\"> ($3,150)</td>\r\n<td valign=\"middle\"> ($3,150)</td>\r\n<td valign=\"middle\"> ($3,150)</td>\r\n</tr>\r\n<tr>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n</tr>\r\n<tr>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"><b> Due from borrower</b></td>\r\n<td valign=\"middle\"><b> $2,758</b></td>\r\n<td valign=\"middle\"><b> $1,735</b></td>\r\n<td valign=\"middle\"><b> $  711</b></td>\r\n</tr>\r\n</tbody>\r\n</table>\r\nProgram Information &amp; Forms:\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/REIOKdpamccprogramsummary.pdf\">Program Summary</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/incomeguidelines.pdf\">Income Guidelines</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/Loan-Registration-Form.xls\">Loan Registration Form</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/Income-Worksheet.xls\">Family Income Worksheet</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/MORTGAGORS-AGREEMENT-DISCLOSURE-FORM.pdf\">Mortgagor’s Agreement and Acknowledgement of Disclosure</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/SECOND-LIEN-RIDER.pdf\">Second Lien Rider</a></li>\r\n</ul>', 'Lenders', '', 'inherit', 'open', 'open', '', '7-revision-v1', '', '', '2013-04-30 20:07:10', '2013-04-30 20:07:10', '', 7, 'http://reidownpayment.org/?p=134', 0, 'revision', '', 0),
(135, 1, '2013-04-30 20:09:39', '2013-04-30 20:09:39', '', 'Screen Shot 2013-04-30 at 3.08.50 PM', '', 'inherit', 'open', 'open', '', 'screen-shot-2013-04-30-at-3-08-50-pm', '', '', '2013-04-30 20:09:39', '2013-04-30 20:09:39', '', 7, 'http://reidownpayment.org/wp/wp-content/uploads/2013/04/Screen-Shot-2013-04-30-at-3.08.50-PM.png', 0, 'attachment', 'image/png', 0),
(136, 1, '2013-04-30 20:08:09', '2013-04-30 20:08:09', '<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/pic-2.png\"><img class=\"size-medium wp-image-37 alignright\" alt=\"pic-2\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/pic-2-300x300.png\" width=\"300\" height=\"300\" /></a>\r\n\r\nREI Down Payment Assistance will allow you to offer up to 100% financing to your borrowers.   We are HUD approved as an instrumentality of government for this program, therefore our funds are an eligible source of down payment.  The program is flexible and meets the needs of many Oklahoma homebuyers.  Highlights of the program are listed below:\r\n\r\n<strong>Eligible Lenders:</strong>  Must be approved as a Mortgage Clearing Corporation (MCC) Correspondent Lender and in good standing or be associated with an approved Third Party Originator.\r\n\r\n<strong>Structure:</strong>  This is a First and Second Loan Program offering financing to low-to-moderate income individuals and families in Oklahoma.\r\n\r\n<strong>First Mortgage Loan Types:</strong>  FHA, HUD 184, and Rural Development\r\n\r\n<strong>Structure of Assistance:</strong>  Borrower is entitled to borrow from REI Oklahoma an amount equal to 5%, 6%, or 7%, of the first mortgage total loan amount including upfront MIP.  The assistance will be in the form of a Second Mortgage at 7.375% fixed rate for 20 years.  There is no pre-payment penalty on the Second Mortgage.  Borrower may be reimbursed for their earnest money and prepaid expenses.\r\n\r\n<strong>Income Limits: </strong>\r\n\r\nFHA &amp; HUD 184 Limits – Limits are based on household income.  You must count the income of all adult income earning household members.\r\n\r\n<strong>Rural Development Limits:</strong>   Use Rural Development’s standard income guidelines.\r\n\r\n<strong>First Mortgage Rates:</strong>  First Mortgage rates are set daily by Mortgage Clearing.  Lenders will have a 45 day lock and delivery period.\r\n\r\n<strong>Second Mortgage Rates:</strong> 7.375%\r\n\r\n<strong>Credit Score:</strong>  Minimum 620 credit score – See Program Summary for detailed information about credit score requirements.\r\n\r\n<strong>DTI:</strong>  Maximum of 45% on DU approved loans.\r\n\r\n<strong>Seller Contributions:</strong>  Allowed up to first mortgage loan program maximum guidelines.\r\n\r\n<strong>Lender Compensation/First Mortgage Fees:</strong>  There is no yield spread on the first mortgage loan, the lender will charge a 2% origination fee and Mortgage Clearing Correspondent lenders will receive an SRP.    There will also be a $295 delivery fee paid to MCC and must be disclosed on the First Mortgage.\r\n\r\n<strong>Second Mortgage Fees:</strong>  There are no fees associated with the Second Mortgage with the exception of Mortgage Tax, Recording Fees, and title company charges.\r\n\r\n<strong>FHA Loan Example:</strong> <i><span style=\"text-decoration: underline;\">\r\n</span></i>\r\n\r\nFor more detailed information please review the <a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/REIOKdpamccprogramsummary.pdf\">Program Summary</a> or call Dena Sherrill, REI Down Payment Assistance Program Manager at <a>800-658-2823</a> or <a>dsherrill@reiok.org</a> to become an approved lender today.\r\n<table cellspacing=\"0\" cellpadding=\"10\">\r\n<tbody>\r\n<tr>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n</tr>\r\n<tr>\r\n<td valign=\"middle\"></td>\r\n<td colspan=\"4\" valign=\"middle\">\r\n<h2><b> FHA loan with varying 2nd mortgage amounts</b></h2>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n</tr>\r\n<tr>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"><b> Assumptions:</b></td>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n</tr>\r\n<tr>\r\n<td valign=\"middle\"></td>\r\n<td colspan=\"3\" valign=\"middle\"><b> * First mortgage interest rate of 3.500% (rate published daily)</b></td>\r\n<td valign=\"middle\"></td>\r\n</tr>\r\n<tr>\r\n<td valign=\"middle\"></td>\r\n<td colspan=\"2\" valign=\"middle\"><b> ** Second mortgage interest rate of 7.375%</b></td>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n</tr>\r\n<tr>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"><b> </b></td>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n</tr>\r\n<tr>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n<td colspan=\"3\" valign=\"middle\"><b> Second Mortgage Percentage</b></td>\r\n</tr>\r\n<tr>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"><b> 5%</b></td>\r\n<td valign=\"middle\"><b> 6%</b></td>\r\n<td valign=\"middle\"><b> 7%</b></td>\r\n</tr>\r\n<tr>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"> Purchase price</td>\r\n<td valign=\"middle\"> $105,000</td>\r\n<td valign=\"middle\"> $105,000</td>\r\n<td valign=\"middle\"> $105,000</td>\r\n</tr>\r\n<tr>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n</tr>\r\n<tr>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"> Down payment</td>\r\n<td valign=\"middle\"> $3,675</td>\r\n<td valign=\"middle\"> $3,675</td>\r\n<td valign=\"middle\"> $3,675</td>\r\n</tr>\r\n<tr>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n</tr>\r\n<tr>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"> Estimated closing costs</td>\r\n<td valign=\"middle\"> $7,350</td>\r\n<td valign=\"middle\"> $7,350</td>\r\n<td valign=\"middle\"> $7,350</td>\r\n</tr>\r\n<tr>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n</tr>\r\n<tr>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"> 1st mortgage total loan amount</td>\r\n<td valign=\"middle\"> $102,338</td>\r\n<td valign=\"middle\"> $102,338</td>\r\n<td valign=\"middle\"> $102,338</td>\r\n</tr>\r\n<tr>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n</tr>\r\n<tr>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"><b> 2nd mortgage</b></td>\r\n<td valign=\"middle\"><b> $5,117</b></td>\r\n<td valign=\"middle\"><b> $6,140</b></td>\r\n<td valign=\"middle\"><b> $7,164</b></td>\r\n</tr>\r\n<tr>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n</tr>\r\n<tr>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"> 1st mortgage payment*</td>\r\n<td valign=\"middle\"> $  700.16</td>\r\n<td valign=\"middle\"> $  700.16</td>\r\n<td valign=\"middle\"> $  700.16</td>\r\n</tr>\r\n<tr>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n</tr>\r\n<tr>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"> 2nd mortgage payment</td>\r\n<td valign=\"middle\"> $   40.83</td>\r\n<td valign=\"middle\"> $   49.00</td>\r\n<td valign=\"middle\"> $   57.17</td>\r\n</tr>\r\n<tr>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n</tr>\r\n<tr>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"><b> Total monthly payment</b></td>\r\n<td valign=\"middle\"><b> $  740.99</b></td>\r\n<td valign=\"middle\"><b> $  749.16</b></td>\r\n<td valign=\"middle\"><b> $  757.33</b></td>\r\n</tr>\r\n<tr>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"><b> </b></td>\r\n<td valign=\"middle\"><b> </b></td>\r\n<td valign=\"middle\"><b> </b></td>\r\n<td valign=\"middle\"><b> </b></td>\r\n</tr>\r\n<tr>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"><b> * Includes estimated taxes and insurance</b></td>\r\n<td valign=\"middle\"><b> </b></td>\r\n<td valign=\"middle\"><b> </b></td>\r\n<td valign=\"middle\"><b> </b></td>\r\n</tr>\r\n<tr>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"><b> </b></td>\r\n<td valign=\"middle\"><b> </b></td>\r\n<td valign=\"middle\"><b> </b></td>\r\n<td valign=\"middle\"><b> </b></td>\r\n</tr>\r\n<tr>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"><b> </b></td>\r\n<td valign=\"middle\"><b> </b></td>\r\n<td valign=\"middle\"><b> </b></td>\r\n<td valign=\"middle\"><b> </b></td>\r\n</tr>\r\n<tr>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"><b> </b></td>\r\n<td valign=\"middle\"><b> </b></td>\r\n<td valign=\"middle\"><b> </b></td>\r\n<td valign=\"middle\"><b> </b></td>\r\n</tr>\r\n<tr>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"><b> </b></td>\r\n<td valign=\"middle\"><b> </b></td>\r\n<td valign=\"middle\"><b> </b></td>\r\n<td valign=\"middle\"><b> </b></td>\r\n</tr>\r\n<tr>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n</tr>\r\n<tr>\r\n<td valign=\"middle\"></td>\r\n<td colspan=\"4\" valign=\"middle\">\r\n<h2><b> Borrower out-of-pocket on FHA loan</b></h2>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n</tr>\r\n<tr>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n<td colspan=\"3\" valign=\"middle\"><b> Second Mortgage Percentage</b></td>\r\n</tr>\r\n<tr>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"><b> 5%</b></td>\r\n<td valign=\"middle\"><b> 6%</b></td>\r\n<td valign=\"middle\"><b> 7%</b></td>\r\n</tr>\r\n<tr>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"> Down payment</td>\r\n<td valign=\"middle\"> $3,675</td>\r\n<td valign=\"middle\"> $3,675</td>\r\n<td valign=\"middle\"> $3,675</td>\r\n</tr>\r\n<tr>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n</tr>\r\n<tr>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"> Estimated closing costs</td>\r\n<td valign=\"middle\"> $7,350</td>\r\n<td valign=\"middle\"> $7,350</td>\r\n<td valign=\"middle\"> $7,350</td>\r\n</tr>\r\n<tr>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n</tr>\r\n<tr>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"> Total</td>\r\n<td valign=\"middle\"> $11,025</td>\r\n<td valign=\"middle\"> $11,025</td>\r\n<td valign=\"middle\"> $11,025</td>\r\n</tr>\r\n<tr>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n</tr>\r\n<tr>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"> Less 2nd mortgage</td>\r\n<td valign=\"middle\"> ($5,117)</td>\r\n<td valign=\"middle\"> ($6,140)</td>\r\n<td valign=\"middle\"> ($7,164)</td>\r\n</tr>\r\n<tr>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n</tr>\r\n<tr>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"> Less 3% seller concession</td>\r\n<td valign=\"middle\"> ($3,150)</td>\r\n<td valign=\"middle\"> ($3,150)</td>\r\n<td valign=\"middle\"> ($3,150)</td>\r\n</tr>\r\n<tr>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"></td>\r\n</tr>\r\n<tr>\r\n<td valign=\"middle\"></td>\r\n<td valign=\"middle\"><b> Due from borrower</b></td>\r\n<td valign=\"middle\"><b> $2,758</b></td>\r\n<td valign=\"middle\"><b> $1,735</b></td>\r\n<td valign=\"middle\"><b> $  711</b></td>\r\n</tr>\r\n</tbody>\r\n</table>\r\nProgram Information &amp; Forms:\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/REIOKdpamccprogramsummary.pdf\">Program Summary</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/incomeguidelines.pdf\">Income Guidelines</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/Loan-Registration-Form.xls\">Loan Registration Form</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/Income-Worksheet.xls\">Family Income Worksheet</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/MORTGAGORS-AGREEMENT-DISCLOSURE-FORM.pdf\">Mortgagor’s Agreement and Acknowledgement of Disclosure</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/SECOND-LIEN-RIDER.pdf\">Second Lien Rider</a></li>\r\n</ul>', 'Lenders', '', 'inherit', 'open', 'open', '', '7-revision-v1', '', '', '2013-04-30 20:08:09', '2013-04-30 20:08:09', '', 7, 'http://reidownpayment.org/?p=136', 0, 'revision', '', 0);
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(137, 1, '2013-04-30 19:17:18', '2013-04-30 19:17:18', 'Do you have a good job and the ability re-pay a loan, but have not been able to save for the down payment and closing costs on a home.  REI Down Payment Assistance can help!\r\n\r\nOur Market Rate Program is structured to help low-moderate income borrowers through a program that provides you with a First and Second Mortgage.  The Second Mortgage allows you to borrower the funds required for your down payment and closing cost assistance.\r\n\r\n<b>Program Highlights:</b>\r\n\r\n<strong>Lenders:</strong>  You may use the lender of your choice, if they are approved for the REI DPA program.  Many lenders throughout the state are approved.  If you come across 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 <a>800-658-2823</a> or <a>dsherrill@reiok.org</a>.\r\n<div>\r\n\r\n<strong>Structure:</strong>  This is a First and Second Loan Program offering financing to low-to-moderate income individuals and families in Oklahoma.\r\n\r\n<strong>First Mortgage Loan Types:</strong>   FHA, HUD 184, and Rural Development\r\n\r\n<strong>First Mortgage Rates:</strong>  First Mortgage rates are set daily.\r\n\r\n<strong>Second Mortgage Rates:</strong> 7.375%\r\n\r\n</div>\r\n<strong>Structure of Assistance:</strong>  Borrower is entitled to borrow from REI DPA an amount equal to 5%, 6%, or 7%, of the first mortgage total loan amount.  The assistance will be in the form of a Second Mortgage at 7.375% fixed rate for 20 years.  There is no pre-payment penalty on the Second Mortgage.  Borrower may be reimbursed for their earnest money and prepaid expenses.\r\n\r\n<strong>Income Limits:</strong>  Income limits apply based on <i><span style=\"text-decoration: underline;\">household income (link to income limits for FHA &amp; HUD 184)</span></i>.  Rural Development standard income limits apply.\r\n\r\n<strong>Credit Score:</strong>  Minimum 620 credit score.\r\n<div>\r\n\r\n<strong>Seller Contributions:</strong>  Allowed up to first mortgage loan program maximum guidelines.\r\n\r\n</div>\r\n<strong>FHA Loan Example:  </strong>The example below assumes a $105,000 loan at an interest rate of 3.5% amortized for 30 years.  The first part of the chart will show you the total payment you could expect on this loan with the REI second mortgage.  As you can see, the payments for the Second Mortgage are minimal due to the 20 year amortization.  You can also prepay this loan at any time, thus reducing your monthly payment.\r\n\r\nThe second portion of the chart shows the borrowers out of pocket expenses at closing.  It assumes the same loan as above, with the Seller paying 3% of the borrowers closing costs.  The amount due from the borrower is lessened based on the size of the Second Mortgage.\r\n\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/Screen-Shot-2013-04-25-at-1.48.24-PM.png\"><img class=\"alignnone size-full wp-image-106\" alt=\"Screen Shot 2013-04-25 at 1.48.24 PM\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/Screen-Shot-2013-04-25-at-1.48.24-PM.png\" width=\"482\" height=\"588\" /></a>\r\n\r\n<a title=\"Contact\" href=\"http://reidownpayment.org/?page_id=10\">Contact us</a> for more information about this program.\r\n\r\n[column]\r\n<p style=\"text-align: center;\"><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/pic-2.png\"><img class=\"size-medium wp-image-37 aligncenter\" alt=\"pic-2\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/pic-2-300x300.png\" width=\"300\" height=\"300\" /></a></p>', 'Home Buyers', '', 'inherit', 'open', 'open', '', '6-revision-v1', '', '', '2013-04-30 19:17:18', '2013-04-30 19:17:18', '', 6, 'http://reidownpayment.org/?p=137', 0, 'revision', '', 0),
(139, 1, '2013-05-08 16:18:02', '2013-05-08 16:18:02', '', '', '', 'publish', 'closed', 'closed', '', 'what-we-can-do-for-you', '', '', '2014-02-19 18:50:02', '2014-02-19 18:50:02', '', 0, 'http://reidownpayment.org/?post_type=guru_slides&#038;p=139', 0, 'guru_slides', '', 0),
(140, 1, '2013-05-08 16:17:57', '2013-05-08 16:17:57', '', 'slide-1', '', 'inherit', 'open', 'open', '', 'slide-1', '', '', '2013-05-08 16:17:57', '2013-05-08 16:17:57', '', 139, 'http://reidownpayment.org/wp/wp-content/uploads/2013/05/slide-1.jpg', 0, 'attachment', 'image/jpeg', 0),
(141, 1, '2013-05-09 18:59:08', '2013-05-09 18:59:08', 'REI Down Payment Assistance provides down payment and closing cost assistance to eligible borrowers through partnerships with lenders across the state. We have assisted more than 3,000 families in Oklahoma who wished to achieve homeownership.', 'What We Can Do For You', '', 'inherit', 'open', 'open', '', '139-autosave', '', '', '2013-05-09 18:59:08', '2013-05-09 18:59:08', '', 139, 'http://reidownpayment.org/?p=141', 0, 'revision', '', 0),
(142, 1, '2013-04-30 20:09:44', '2013-04-30 20:09:44', '<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/pic-2.png\"><img class=\"size-medium wp-image-37 alignright\" alt=\"pic-2\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/pic-2-300x300.png\" width=\"300\" height=\"300\" /></a>\r\n\r\nREI Down Payment Assistance will allow you to offer up to 100% financing to your borrowers.   We are HUD approved as an instrumentality of government for this program, therefore our funds are an eligible source of down payment.  The program is flexible and meets the needs of many Oklahoma homebuyers.  Highlights of the program are listed below:\r\n\r\n<strong>Eligible Lenders:</strong>  Must be approved as a Mortgage Clearing Corporation (MCC) Correspondent Lender and in good standing or be associated with an approved Third Party Originator.\r\n\r\n<strong>Structure:</strong>  This is a First and Second Loan Program offering financing to low-to-moderate income individuals and families in Oklahoma.\r\n\r\n<strong>First Mortgage Loan Types:</strong>  FHA, HUD 184, and Rural Development\r\n\r\n<strong>Structure of Assistance:</strong>  Borrower is entitled to borrow from REI Oklahoma an amount equal to 5%, 6%, or 7%, of the first mortgage total loan amount including upfront MIP.  The assistance will be in the form of a Second Mortgage at 7.375% fixed rate for 20 years.  There is no pre-payment penalty on the Second Mortgage.  Borrower may be reimbursed for their earnest money and prepaid expenses.\r\n\r\n<strong>Income Limits: </strong>\r\n\r\nFHA &amp; HUD 184 Limits – Limits are based on household income.  You must count the income of all adult income earning household members.\r\n\r\n<strong>Rural Development Limits:</strong>   Use Rural Development’s standard income guidelines.\r\n\r\n<strong>First Mortgage Rates:</strong>  First Mortgage rates are set daily by Mortgage Clearing.  Lenders will have a 45 day lock and delivery period.\r\n\r\n<strong>Second Mortgage Rates:</strong> 7.375%\r\n\r\n<strong>Credit Score:</strong>  Minimum 620 credit score – See Program Summary for detailed information about credit score requirements.\r\n\r\n<strong>DTI:</strong>  Maximum of 45% on DU approved loans.\r\n\r\n<strong>Seller Contributions:</strong>  Allowed up to first mortgage loan program maximum guidelines.\r\n\r\n<strong>Lender Compensation/First Mortgage Fees:</strong>  There is no yield spread on the first mortgage loan, the lender will charge a 2% origination fee and Mortgage Clearing Correspondent lenders will receive an SRP.    There will also be a $295 delivery fee paid to MCC and must be disclosed on the First Mortgage.\r\n\r\n<strong>Second Mortgage Fees:</strong>  There are no fees associated with the Second Mortgage with the exception of Mortgage Tax, Recording Fees, and title company charges.\r\n\r\n<strong>FHA Loan Example:</strong> <i><span style=\"text-decoration: underline;\">\r\n</span></i>\r\n\r\nFor more detailed information please review the <a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/REIOKdpamccprogramsummary.pdf\">Program Summary</a> or call Dena Sherrill, REI Down Payment Assistance Program Manager at <a>800-658-2823</a> or <a>dsherrill@reiok.org</a> to become an approved lender today.\r\n\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/Screen-Shot-2013-04-30-at-3.08.50-PM.png\"><img class=\"alignnone size-full wp-image-135\" alt=\"Screen Shot 2013-04-30 at 3.08.50 PM\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/Screen-Shot-2013-04-30-at-3.08.50-PM.png\" width=\"722\" height=\"848\" /></a>\r\n\r\nProgram Information &amp; Forms:\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/REIOKdpamccprogramsummary.pdf\">Program Summary</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/incomeguidelines.pdf\">Income Guidelines</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/Loan-Registration-Form.xls\">Loan Registration Form</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/Income-Worksheet.xls\">Family Income Worksheet</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/MORTGAGORS-AGREEMENT-DISCLOSURE-FORM.pdf\">Mortgagor’s Agreement and Acknowledgement of Disclosure</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/SECOND-LIEN-RIDER.pdf\">Second Lien Rider</a></li>\r\n</ul>', 'Lenders', '', 'inherit', 'open', 'open', '', '7-revision-v1', '', '', '2013-04-30 20:09:44', '2013-04-30 20:09:44', '', 7, 'http://reidownpayment.org/?p=142', 0, 'revision', '', 0),
(143, 1, '2013-05-09 16:53:08', '2013-05-09 16:53:08', '<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/pic-2.png\"><img class=\"size-medium wp-image-37 alignright\" alt=\"pic-2\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/pic-2-300x300.png\" width=\"300\" height=\"300\" /></a>\r\n\r\nREI Down Payment Assistance will allow you to offer up to 100% financing to your borrowers.   We are HUD approved as an instrumentality of government for this program, therefore our funds are an eligible source of down payment.  The program is flexible and meets the needs of many Oklahoma homebuyers.  Highlights of the program are listed below:\r\n\r\n<strong>Eligible Lenders:</strong>  Must be approved as a Mortgage Clearing Corporation (MCC) Correspondent Lender and in good standing or be associated with an approved Third Party Originator.\r\n\r\n<strong>Structure:</strong>  This is a First and Second Loan Program offering financing to low-to-moderate income individuals and families in Oklahoma.\r\n\r\n<strong>First Mortgage Loan Types:</strong>  FHA, HUD 184, and Rural Development\r\n\r\n<strong>Structure of Assistance:</strong>  Borrower is entitled to borrow from REI Oklahoma an amount equal to 5%, 6%, or 7%, of the first mortgage total loan amount including upfront MIP.  The assistance will be in the form of a Second Mortgage at 7.375% fixed rate for 20 years.  There is no pre-payment penalty on the Second Mortgage.  Borrower may be reimbursed for their earnest money and prepaid expenses.\r\n\r\n<strong>Income Limits: </strong>\r\n\r\nFHA &amp; HUD 184 Limits – Limits are based on household income.  You must count the income of all adult income earning household members.\r\n\r\n<strong>Rural Development Limits:</strong>   Use Rural Development’s standard income guidelines.\r\n\r\n<strong>First Mortgage Rates:</strong>  First Mortgage rates are set daily by Mortgage Clearing.  Lenders will have a 45 day lock and delivery period.\r\n\r\n<strong>Second Mortgage Rates:</strong> 7.375%\r\n\r\n<strong>Credit Score:</strong>  Minimum 620 credit score – See Program Summary for detailed information about credit score requirements.\r\n\r\n<strong>DTI:</strong>  Maximum of 45% on DU approved loans.\r\n\r\n<strong>Seller Contributions:</strong>  Allowed up to first mortgage loan program maximum guidelines.\r\n\r\n<strong>Lender Compensation/First Mortgage Fees:</strong>  There is no yield spread on the first mortgage loan, the lender will charge a 2% origination fee and Mortgage Clearing Correspondent lenders will receive an SRP.    There will also be a $295 delivery fee paid to MCC and must be disclosed on the First Mortgage.\r\n\r\n<strong>Second Mortgage Fees:</strong>  There are no fees associated with the Second Mortgage with the exception of Mortgage Tax, Recording Fees, and title company charges.\r\n\r\n<strong>FHA Loan Example:</strong> <i><span style=\"text-decoration: underline;\">\r\n</span></i>\r\n\r\nFor more detailed information please review the <a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/REIOKdpamccprogramsummary.pdf\">Program Summary</a> or call Dena Sherrill, REI Down Payment Assistance Program Manager at <a>800-658-2823</a> or <a>dsherrill@reiok.org</a> to become an approved lender today.\r\n\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/Screen-Shot-2013-04-30-at-3.08.50-PM.png\"><img class=\"alignnone size-full wp-image-135\" alt=\"Screen Shot 2013-04-30 at 3.08.50 PM\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/Screen-Shot-2013-04-30-at-3.08.50-PM.png\" width=\"722\" height=\"848\" /></a>\r\n\r\nProgram Information &amp; Forms:\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/REIOKdpamccprogramsummary.pdf\">Program Summary</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/incomeguidelines.pdf\">Income Guidelines</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/Loan-Registration-Form.xls\">Loan Registration Form</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/Income-Worksheet.xls\">Family Income Worksheet</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/MORTGAGORS-AGREEMENT-DISCLOSURE-FORM.pdf\">Mortgagor’s Agreement and Acknowledgement of Disclosure</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/SECOND-LIEN-RIDER.pdf\">Second Lien Rider</a></li>\r\n</ul>', 'Lenders', '', 'inherit', 'open', 'open', '', '7-revision-v1', '', '', '2013-05-09 16:53:08', '2013-05-09 16:53:08', '', 7, 'http://reidownpayment.org/?p=143', 0, 'revision', '', 0),
(144, 1, '2013-05-09 19:04:04', '2013-05-09 19:04:04', '', '620', '', 'inherit', 'open', 'open', '', '620', '', '', '2013-05-09 19:04:04', '2013-05-09 19:04:04', '', 6, 'http://reidownpayment.org/wp/wp-content/uploads/2013/04/620.png', 0, 'attachment', 'image/png', 0),
(145, 1, '2013-04-30 20:10:13', '2013-04-30 20:10:13', 'Do you have a good job and the ability re-pay a loan, but have not been able to save for the down payment and closing costs on a home.  REI Down Payment Assistance can help!\r\n\r\nOur Market Rate Program is structured to help low-moderate income borrowers through a program that provides you with a First and Second Mortgage.  The Second Mortgage allows you to borrower the funds required for your down payment and closing cost assistance.\r\n\r\n<b>Program Highlights:</b>\r\n\r\n<strong>Lenders:</strong>  You may use the lender of your choice, if they are approved for the REI DPA program.  Many lenders throughout the state are approved.  If you come across 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 <a>800-658-2823</a> or <a>dsherrill@reiok.org</a>.\r\n<div>\r\n\r\n<strong>Structure:</strong>  This is a First and Second Loan Program offering financing to low-to-moderate income individuals and families in Oklahoma.\r\n\r\n<strong>First Mortgage Loan Types:</strong>   FHA, HUD 184, and Rural Development\r\n\r\n<strong>First Mortgage Rates:</strong>  First Mortgage rates are set daily.\r\n\r\n<strong>Second Mortgage Rates:</strong> 7.375%\r\n\r\n</div>\r\n<strong>Structure of Assistance:</strong>  Borrower is entitled to borrow from REI DPA an amount equal to 5%, 6%, or 7%, of the first mortgage total loan amount.  The assistance will be in the form of a Second Mortgage at 7.375% fixed rate for 20 years.  There is no pre-payment penalty on the Second Mortgage.  Borrower may be reimbursed for their earnest money and prepaid expenses.\r\n\r\n<strong>Income Limits:</strong>  Income limits apply based on <i><span style=\"text-decoration: underline;\">household income (link to income limits for FHA &amp; HUD 184)</span></i>.  Rural Development standard income limits apply.\r\n\r\n<strong>Credit Score:</strong>  Minimum 620 credit score.\r\n<div>\r\n\r\n<strong>Seller Contributions:</strong>  Allowed up to first mortgage loan program maximum guidelines.\r\n\r\n</div>\r\n<strong>FHA Loan Example:  </strong>The example below assumes a $105,000 loan at an interest rate of 3.5% amortized for 30 years.  The first part of the chart will show you the total payment you could expect on this loan with the REI second mortgage.  As you can see, the payments for the Second Mortgage are minimal due to the 20 year amortization.  You can also prepay this loan at any time, thus reducing your monthly payment.\r\n\r\nThe second portion of the chart shows the borrowers out of pocket expenses at closing.  It assumes the same loan as above, with the Seller paying 3% of the borrowers closing costs.  The amount due from the borrower is lessened based on the size of the Second Mortgage.\r\n\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/Screen-Shot-2013-04-30-at-3.08.50-PM.png\"><img class=\"alignnone size-full wp-image-135\" alt=\"Screen Shot 2013-04-30 at 3.08.50 PM\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/Screen-Shot-2013-04-30-at-3.08.50-PM.png\" width=\"722\" height=\"848\" /></a>\r\n\r\n<a title=\"Contact\" href=\"http://reidownpayment.org/?page_id=10\">Contact us</a> for more information about this program.\r\n\r\n[column]\r\n<p style=\"text-align: center;\"><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/pic-2.png\"><img class=\"size-medium wp-image-37 aligncenter\" alt=\"pic-2\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/pic-2-300x300.png\" width=\"300\" height=\"300\" /></a></p>', 'Home Buyers', '', 'inherit', 'open', 'open', '', '6-revision-v1', '', '', '2013-04-30 20:10:13', '2013-04-30 20:10:13', '', 6, 'http://reidownpayment.org/6-revision-13/', 0, 'revision', '', 0),
(146, 1, '2013-05-09 19:05:15', '2013-05-09 19:05:15', '', 'homebuyers-pic-1', '', 'inherit', 'open', 'open', '', 'homebuyers-pic-1', '', '', '2013-05-09 19:05:15', '2013-05-09 19:05:15', '', 6, 'http://reidownpayment.org/wp/wp-content/uploads/2013/04/homebuyers-pic-1.png', 0, 'attachment', 'image/png', 0),
(147, 1, '2013-05-09 19:04:12', '2013-05-09 19:04:12', 'Do you have a good job and the ability re-pay a loan, but have not been able to save for the down payment and closing costs on a home.  REI Down Payment Assistance can help!\r\n\r\nOur Market Rate Program is structured to help low-moderate income borrowers through a program that provides you with a First and Second Mortgage.  The Second Mortgage allows you to borrower the funds required for your down payment and closing cost assistance.\r\n\r\n<b>Program Highlights:</b>\r\n\r\n<strong>Lenders:</strong>  You may use the lender of your choice, if they are approved for the REI DPA program.  Many lenders throughout the state are approved.  If you come across 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 <a>800-658-2823</a> or <a>dsherrill@reiok.org</a>.\r\n<div>\r\n\r\n<strong>Structure:</strong>  This is a First and Second Loan Program offering financing to low-to-moderate income individuals and families in Oklahoma.\r\n\r\n<strong>First Mortgage Loan Types:</strong>   FHA, HUD 184, and Rural Development\r\n\r\n<strong>First Mortgage Rates:</strong>  First Mortgage rates are set daily.\r\n\r\n<strong>Second Mortgage Rates:</strong> 7.375%\r\n\r\n</div>\r\n<strong>Structure of Assistance:</strong>  Borrower is entitled to borrow from REI DPA an amount equal to 5%, 6%, or 7%, of the first mortgage total loan amount.  The assistance will be in the form of a Second Mortgage at 7.375% fixed rate for 20 years.  There is no pre-payment penalty on the Second Mortgage.  Borrower may be reimbursed for their earnest money and prepaid expenses.\r\n\r\n<strong>Income Limits:</strong>  Income limits apply based on <i><span style=\"text-decoration: underline;\">household income (link to income limits for FHA &amp; HUD 184)</span></i>.  Rural Development standard income limits apply.\r\n\r\n<strong>Credit Score:</strong>  Minimum 620 credit score.\r\n<div>\r\n\r\n<strong>Seller Contributions:</strong>  Allowed up to first mortgage loan program maximum guidelines.\r\n\r\n</div>\r\n<strong>FHA Loan Example:  </strong>The example below assumes a $105,000 loan at an interest rate of 3.5% amortized for 30 years.  The first part of the chart will show you the total payment you could expect on this loan with the REI second mortgage.  As you can see, the payments for the Second Mortgage are minimal due to the 20 year amortization.  You can also prepay this loan at any time, thus reducing your monthly payment.\r\n\r\nThe second portion of the chart shows the borrowers out of pocket expenses at closing.  It assumes the same loan as above, with the Seller paying 3% of the borrowers closing costs.  The amount due from the borrower is lessened based on the size of the Second Mortgage.\r\n\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/Screen-Shot-2013-04-30-at-3.08.50-PM.png\"><img class=\"alignnone size-full wp-image-135\" alt=\"Screen Shot 2013-04-30 at 3.08.50 PM\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/Screen-Shot-2013-04-30-at-3.08.50-PM.png\" width=\"722\" height=\"848\" /></a>\r\n\r\n<a title=\"Contact\" href=\"http://reidownpayment.org/?page_id=10\">Contact us</a> for more information about this program.\r\n\r\n[column]\r\n<p style=\"text-align: center;\"><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/pic-2.png\"><img class=\"size-medium wp-image-37 aligncenter\" alt=\"pic-2\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/pic-2-300x300.png\" width=\"300\" height=\"300\" /></a></p>\r\n<p style=\"text-align: center;\"></p>\r\n<p style=\"text-align: center;\"></p>\r\n<p style=\"text-align: center;\"></p>\r\n<p style=\"text-align: center;\"></p>\r\n<p style=\"text-align: center;\"></p>\r\n<p style=\"text-align: center;\"></p>\r\n<p style=\"text-align: center;\"></p>\r\n<p style=\"text-align: center;\"></p>\r\n<p style=\"text-align: center;\"><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/620.png\"><img class=\"alignnone size-full wp-image-144\" alt=\"620\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/620.png\" width=\"348\" height=\"348\" /></a></p>', 'Home Buyers', '', 'inherit', 'open', 'open', '', '6-revision-v1', '', '', '2013-05-09 19:04:12', '2013-05-09 19:04:12', '', 6, 'http://reidownpayment.org/6-revision-14/', 0, 'revision', '', 0),
(148, 1, '2013-05-09 19:05:23', '2013-05-09 19:05:23', 'Do you have a good job and the ability re-pay a loan, but have not been able to save for the down payment and closing costs on a home.  REI Down Payment Assistance can help!\r\n\r\nOur Market Rate Program is structured to help low-moderate income borrowers through a program that provides you with a First and Second Mortgage.  The Second Mortgage allows you to borrower the funds required for your down payment and closing cost assistance.\r\n\r\n<b>Program Highlights:</b>\r\n\r\n<strong>Lenders:</strong>  You may use the lender of your choice, if they are approved for the REI DPA program.  Many lenders throughout the state are approved.  If you come across 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 <a>800-658-2823</a> or <a>dsherrill@reiok.org</a>.\r\n<div>\r\n\r\n<strong>Structure:</strong>  This is a First and Second Loan Program offering financing to low-to-moderate income individuals and families in Oklahoma.\r\n\r\n<strong>First Mortgage Loan Types:</strong>   FHA, HUD 184, and Rural Development\r\n\r\n<strong>First Mortgage Rates:</strong>  First Mortgage rates are set daily.\r\n\r\n<strong>Second Mortgage Rates:</strong> 7.375%\r\n\r\n</div>\r\n<strong>Structure of Assistance:</strong>  Borrower is entitled to borrow from REI DPA an amount equal to 5%, 6%, or 7%, of the first mortgage total loan amount.  The assistance will be in the form of a Second Mortgage at 7.375% fixed rate for 20 years.  There is no pre-payment penalty on the Second Mortgage.  Borrower may be reimbursed for their earnest money and prepaid expenses.\r\n\r\n<strong>Income Limits:</strong>  Income limits apply based on <i><span style=\"text-decoration: underline;\">household income (link to income limits for FHA &amp; HUD 184)</span></i>.  Rural Development standard income limits apply.\r\n\r\n<strong>Credit Score:</strong>  Minimum 620 credit score.\r\n<div>\r\n\r\n<strong>Seller Contributions:</strong>  Allowed up to first mortgage loan program maximum guidelines.\r\n\r\n</div>\r\n<strong>FHA Loan Example:  </strong>The example below assumes a $105,000 loan at an interest rate of 3.5% amortized for 30 years.  The first part of the chart will show you the total payment you could expect on this loan with the REI second mortgage.  As you can see, the payments for the Second Mortgage are minimal due to the 20 year amortization.  You can also prepay this loan at any time, thus reducing your monthly payment.\r\n\r\nThe second portion of the chart shows the borrowers out of pocket expenses at closing.  It assumes the same loan as above, with the Seller paying 3% of the borrowers closing costs.  The amount due from the borrower is lessened based on the size of the Second Mortgage.\r\n\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/Screen-Shot-2013-04-30-at-3.08.50-PM.png\"><img class=\"alignnone size-full wp-image-135\" alt=\"Screen Shot 2013-04-30 at 3.08.50 PM\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/Screen-Shot-2013-04-30-at-3.08.50-PM.png\" width=\"722\" height=\"848\" /></a>\r\n\r\n<a title=\"Contact\" href=\"http://reidownpayment.org/?page_id=10\">Contact us</a> for more information about this program.\r\n\r\n[column]\r\n<p style=\"text-align: center;\"><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/homebuyers-pic-1.png\"><img class=\"alignnone size-full wp-image-146\" alt=\"homebuyers-pic-1\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/homebuyers-pic-1.png\" width=\"348\" height=\"348\" /></a></p>\r\n<p style=\"text-align: center;\"></p>\r\n<p style=\"text-align: center;\"></p>\r\n<p style=\"text-align: center;\"></p>\r\n<p style=\"text-align: center;\"></p>\r\n<p style=\"text-align: center;\"></p>\r\n<p style=\"text-align: center;\"></p>\r\n<p style=\"text-align: center;\"></p>\r\n<p style=\"text-align: center;\"></p>\r\n<p style=\"text-align: center;\"><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/620.png\"><img class=\"alignnone size-full wp-image-144\" alt=\"620\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/620.png\" width=\"348\" height=\"348\" /></a></p>', 'Home Buyers', '', 'inherit', 'open', 'open', '', '6-revision-v1', '', '', '2013-05-09 19:05:23', '2013-05-09 19:05:23', '', 6, 'http://reidownpayment.org/6-revision-15/', 0, 'revision', '', 0),
(149, 1, '2013-05-09 19:06:20', '2013-05-09 19:06:20', 'Do you have a good job and the ability re-pay a loan, but have not been able to save for the down payment and closing costs on a home.  REI Down Payment Assistance can help!\r\n\r\nOur Market Rate Program is structured to help low-moderate income borrowers through a program that provides you with a First and Second Mortgage.  The Second Mortgage allows you to borrower the funds required for your down payment and closing cost assistance.\r\n\r\n<b>Program Highlights:</b>\r\n\r\n<strong>Lenders:</strong>  You may use the lender of your choice, if they are approved for the REI DPA program.  Many lenders throughout the state are approved.  If you come across 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 <a>800-658-2823</a> or <a>dsherrill@reiok.org</a>.\r\n<div>\r\n\r\n<strong>Structure:</strong>  This is a First and Second Loan Program offering financing to low-to-moderate income individuals and families in Oklahoma.\r\n\r\n<strong>First Mortgage Loan Types:</strong>   FHA, HUD 184, and Rural Development\r\n\r\n<strong>First Mortgage Rates:</strong>  First Mortgage rates are set daily.\r\n\r\n<strong>Second Mortgage Rates:</strong> 7.375%\r\n\r\n</div>\r\n<strong>Structure of Assistance:</strong>  Borrower is entitled to borrow from REI DPA an amount equal to 5%, 6%, or 7%, of the first mortgage total loan amount.  The assistance will be in the form of a Second Mortgage at 7.375% fixed rate for 20 years.  There is no pre-payment penalty on the Second Mortgage.  Borrower may be reimbursed for their earnest money and prepaid expenses.\r\n\r\n<strong>Income Limits:</strong>  Income limits apply based on <i><span style=\"text-decoration: underline;\">household income (link to income limits for FHA &amp; HUD 184)</span></i>.  Rural Development standard income limits apply.\r\n\r\n<strong>Credit Score:</strong>  Minimum 620 credit score.\r\n<div>\r\n\r\n<strong>Seller Contributions:</strong>  Allowed up to first mortgage loan program maximum guidelines.\r\n\r\n</div>\r\n<strong>FHA Loan Example:  </strong>The example below assumes a $105,000 loan at an interest rate of 3.5% amortized for 30 years.  The first part of the chart will show you the total payment you could expect on this loan with the REI second mortgage.  As you can see, the payments for the Second Mortgage are minimal due to the 20 year amortization.  You can also prepay this loan at any time, thus reducing your monthly payment.\r\n\r\nThe second portion of the chart shows the borrowers out of pocket expenses at closing.  It assumes the same loan as above, with the Seller paying 3% of the borrowers closing costs.  The amount due from the borrower is lessened based on the size of the Second Mortgage.\r\n\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/Screen-Shot-2013-04-30-at-3.08.50-PM.png\"><img class=\"alignnone size-full wp-image-135\" alt=\"Screen Shot 2013-04-30 at 3.08.50 PM\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/Screen-Shot-2013-04-30-at-3.08.50-PM.png\" width=\"722\" height=\"848\" /></a>\r\n\r\n<a title=\"Contact\" href=\"http://reidownpayment.org/?page_id=10\">Contact us</a> for more information about this program.\r\n\r\n[column]\r\n<p style=\"text-align: center;\"><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/homebuyers-pic-1.png\"><img class=\"alignnone size-full wp-image-146\" alt=\"homebuyers-pic-1\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/homebuyers-pic-1.png\" width=\"348\" height=\"348\" /></a></p>\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/620.png\"><img class=\"alignnone size-full wp-image-144\" style=\"margin-top:275px;\" alt=\"620\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/620.png\" width=\"348\" height=\"348\" /></a>', 'Home Buyers', '', 'inherit', 'open', 'open', '', '6-revision-v1', '', '', '2013-05-09 19:06:20', '2013-05-09 19:06:20', '', 6, 'http://reidownpayment.org/6-revision-16/', 0, 'revision', '', 0),
(150, 1, '2013-05-09 19:29:21', '2013-05-09 19:29:21', '<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/homebuyers-pic-1.png\"><img class=\"alignright\" alt=\"homebuyers-pic-1\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/homebuyers-pic-1.png\" width=\"348\" height=\"348\" /></a>Do you have a good job and the ability re-pay a loan, but have not been able to save for the down payment and closing costs on a home.  REI Down Payment Assistance can help!\r\n\r\nOur Market Rate Program is structured to help low-moderate income borrowers through a program that provides you with a First and Second Mortgage.  The Second Mortgage allows you to borrower the funds required for your down payment and closing cost assistance.\r\n\r\n<b>Program Highlights:</b>\r\n\r\n<strong>Lenders:</strong>  You may use the lender of your choice, if they are approved for the REI DPA program.  Many lenders throughout the state are approved.  If you come across 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 <a>800-658-2823</a> or <a>dsherrill@reiok.org</a>.\r\n<div>\r\n\r\n<strong>Structure:</strong>  This is a First and Second Loan Program offering financing to low-to-moderate income individuals and families in Oklahoma.\r\n\r\n<strong><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/620.png\"><img alt=\"620\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/620.png\" width=\"348\" height=\"348\" /></a>First Mortgage Loan Types:</strong>   FHA, HUD 184, and Rural Development\r\n\r\n<strong>First Mortgage Rates:</strong>  First Mortgage rates are set daily.\r\n\r\n<strong>Second Mortgage Rates:</strong> 7.375%\r\n\r\n</div>\r\n<strong>Structure of Assistance:</strong>  Borrower is entitled to borrow from REI DPA an amount equal to 5%, 6%, or 7%, of the first mortgage total loan amount.  The assistance will be in the form of a Second Mortgage at 7.375% fixed rate for 20 years.  There is no pre-payment penalty on the Second Mortgage.  Borrower may be reimbursed for their earnest money and prepaid expenses.\r\n\r\n<strong>Income Limits:</strong>  Income limits apply based on <i><span style=\"text-decoration: underline;\">household income (link to income limits for FHA &amp; HUD 184)</span></i>.  Rural Development standard income limits apply.\r\n\r\n<strong>Credit Score:</strong>  Minimum 620 credit score.\r\n<div>\r\n\r\n<strong>Seller Contributions:</strong>  Allowed up to first mortgage loan program maximum guidelines.\r\n\r\n</div>\r\n<strong>FHA Loan Example:  </strong>The example below assumes a $105,000 loan at an interest rate of 3.5% amortized for 30 years.  The first part of the chart will show you the total payment you could expect on this loan with the REI second mortgage.  As you can see, the payments for the Second Mortgage are minimal due to the 20 year amortization.  You can also prepay this loan at any time, thus reducing your monthly payment.\r\n\r\nThe second portion of the chart shows the borrowers out of pocket expenses at closing.  It assumes the same loan as above, with the Seller paying 3% of the borrowers closing costs.  The amount due from the borrower is lessened based on the size of the Second Mortgage.\r\n\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/Screen-Shot-2013-04-30-at-3.08.50-PM.png\"><img class=\"alignnone size-full wp-image-135\" alt=\"Screen Shot 2013-04-30 at 3.08.50 PM\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/Screen-Shot-2013-04-30-at-3.08.50-PM.png\" width=\"722\" height=\"848\" /></a>\r\n\r\n<a title=\"Contact\" href=\"http://reidownpayment.org/?page_id=10\">Contact us</a> for more information about this program.\r\n<p style=\"text-align: center;\"></p>\r\n&nbsp;', 'Home Buyers', '', 'inherit', 'open', 'open', '', '6-revision-v1', '', '', '2013-05-09 19:29:21', '2013-05-09 19:29:21', '', 6, 'http://reidownpayment.org/6-revision-17/', 0, 'revision', '', 0),
(151, 1, '2013-05-09 19:29:54', '2013-05-09 19:29:54', '<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/homebuyers-pic-1.png\"><img class=\"alignright\" alt=\"homebuyers-pic-1\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/homebuyers-pic-1.png\" width=\"348\" height=\"348\" /></a>Do you have a good job and the ability re-pay a loan, but have not been able to save for the down payment and closing costs on a home.  REI Down Payment Assistance can help!\r\n\r\nOur Market Rate Program is structured to help low-moderate income borrowers through a program that provides you with a First and Second Mortgage.  The Second Mortgage allows you to borrower the funds required for your down payment and closing cost assistance.\r\n\r\n<b>Program Highlights:</b>\r\n\r\n<strong>Lenders:</strong>  You may use the lender of your choice, if they are approved for the REI DPA program.  Many lenders throughout the state are approved.  If you come across 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 <a>800-658-2823</a> or <a>dsherrill@reiok.org</a>.\r\n<div>\r\n\r\n<strong>Structure:</strong>  This is a First and Second Loan Program offering financing to low-to-moderate income individuals and families in Oklahoma.\r\n\r\n<strong>First Mortgage Loan Types:</strong>   FHA, HUD 184, and Rural Development\r\n\r\n<strong>First Mortgage Rates:</strong>  First Mortgage rates are set daily.\r\n\r\n<strong>Second Mortgage Rates:</strong> 7.375%\r\n\r\n<strong><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/620.png\"><img class=\"alignleft\" alt=\"620\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/620.png\" width=\"348\" height=\"348\" /></a></strong>\r\n\r\n</div>\r\n<strong>Structure of Assistance:</strong>  Borrower is entitled to borrow from REI DPA an amount equal to 5%, 6%, or 7%, of the first mortgage total loan amount.  The assistance will be in the form of a Second Mortgage at 7.375% fixed rate for 20 years.  There is no pre-payment penalty on the Second Mortgage.  Borrower may be reimbursed for their earnest money and prepaid expenses.\r\n\r\n<strong>Income Limits:</strong>  Income limits apply based on <i><span style=\"text-decoration: underline;\">household income (link to income limits for FHA &amp; HUD 184)</span></i>.  Rural Development standard income limits apply.\r\n\r\n<strong>Credit Score:</strong>  Minimum 620 credit score.\r\n<div>\r\n\r\n<strong>Seller Contributions:</strong>  Allowed up to first mortgage loan program maximum guidelines.\r\n\r\n</div>\r\n<strong>FHA Loan Example:  </strong>The example below assumes a $105,000 loan at an interest rate of 3.5% amortized for 30 years.  The first part of the chart will show you the total payment you could expect on this loan with the REI second mortgage.  As you can see, the payments for the Second Mortgage are minimal due to the 20 year amortization.  You can also prepay this loan at any time, thus reducing your monthly payment.\r\n\r\nThe second portion of the chart shows the borrowers out of pocket expenses at closing.  It assumes the same loan as above, with the Seller paying 3% of the borrowers closing costs.  The amount due from the borrower is lessened based on the size of the Second Mortgage.\r\n\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/Screen-Shot-2013-04-30-at-3.08.50-PM.png\"><img class=\"alignnone size-full wp-image-135\" alt=\"Screen Shot 2013-04-30 at 3.08.50 PM\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/Screen-Shot-2013-04-30-at-3.08.50-PM.png\" width=\"722\" height=\"848\" /></a>\r\n\r\n<a title=\"Contact\" href=\"http://reidownpayment.org/?page_id=10\">Contact us</a> for more information about this program.\r\n\r\n&nbsp;', 'Home Buyers', '', 'inherit', 'open', 'open', '', '6-revision-v1', '', '', '2013-05-09 19:29:54', '2013-05-09 19:29:54', '', 6, 'http://reidownpayment.org/6-revision-18/', 0, 'revision', '', 0),
(152, 1, '2013-05-09 16:54:06', '2013-05-09 16:54:06', '<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/pic-2.png\"><img class=\"size-medium wp-image-37 alignright\" alt=\"pic-2\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/pic-2-300x300.png\" width=\"300\" height=\"300\" /></a>\r\n\r\nREI Down Payment Assistance will allow you to offer up to 100% financing to your borrowers.   We are HUD approved as an instrumentality of government for this program, therefore our funds are an eligible source of down payment.  The program is flexible and meets the needs of many Oklahoma homebuyers.  Highlights of the program are listed below:\r\n\r\n<strong>Eligible Lenders:</strong>  Must be approved as a Mortgage Clearing Corporation (MCC) Correspondent Lender and in good standing or be associated with an approved Third Party Originator.\r\n\r\n<strong>Structure:</strong>  This is a First and Second Loan Program offering financing to low-to-moderate income individuals and families in Oklahoma.\r\n\r\n<strong>First Mortgage Loan Types:</strong>  FHA, HUD 184, and Rural Development\r\n\r\n<strong>Structure of Assistance:</strong>  Borrower is entitled to borrow from REI Oklahoma an amount equal to 5%, 6%, or 7%, of the first mortgage total loan amount including upfront MIP.  The assistance will be in the form of a Second Mortgage at 7.375% fixed rate for 20 years.  There is no pre-payment penalty on the Second Mortgage.  Borrower may be reimbursed for their earnest money and prepaid expenses.\r\n\r\n<strong>Income Limits:  </strong>FHA &amp; HUD 184 Limits – Limits are based on household income.  You must count the income of all adult income earning household members.\r\n\r\n<strong>Rural Development Limits:</strong>   Use Rural Development’s standard income guidelines.\r\n\r\n<strong>First Mortgage Rates:</strong>  First Mortgage rates are set daily by Mortgage Clearing.  Lenders will have a 45 day lock and delivery period.\r\n\r\n<strong>Second Mortgage Rates:</strong> 7.375%\r\n\r\n<strong>Credit Score:</strong>  Minimum 620 credit score – See Program Summary for detailed information about credit score requirements.\r\n\r\n<strong>DTI:</strong>  Maximum of 45% on DU approved loans.\r\n\r\n<strong>Seller Contributions:</strong>  Allowed up to first mortgage loan program maximum guidelines.\r\n\r\n<strong>Lender Compensation/First Mortgage Fees:</strong>  There is no yield spread on the first mortgage loan, the lender will charge a 2% origination fee and Mortgage Clearing Correspondent lenders will receive an SRP.    There will also be a $295 delivery fee paid to MCC and must be disclosed on the First Mortgage.\r\n\r\n<strong>Second Mortgage Fees:</strong>  There are no fees associated with the Second Mortgage with the exception of Mortgage Tax, Recording Fees, and title company charges.\r\n\r\n<strong>FHA Loan Example:</strong> <i><span style=\"text-decoration: underline;\">\r\n</span></i>\r\n\r\nFor more detailed information please review the <a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/REIOKdpamccprogramsummary.pdf\">Program Summary</a> or call Dena Sherrill, REI Down Payment Assistance Program Manager at <a>800-658-2823</a> or <a>dsherrill@reiok.org</a> to become an approved lender today.\r\n\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/Screen-Shot-2013-04-30-at-3.08.50-PM.png\"><img class=\"alignnone size-full wp-image-135\" alt=\"Screen Shot 2013-04-30 at 3.08.50 PM\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/Screen-Shot-2013-04-30-at-3.08.50-PM.png\" width=\"722\" height=\"848\" /></a>\r\n\r\nProgram Information &amp; Forms:\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/REIOKdpamccprogramsummary.pdf\">Program Summary</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/incomeguidelines.pdf\">Income Guidelines</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/Loan-Registration-Form.xls\">Loan Registration Form</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/Income-Worksheet.xls\">Family Income Worksheet</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/MORTGAGORS-AGREEMENT-DISCLOSURE-FORM.pdf\">Mortgagor’s Agreement and Acknowledgement of Disclosure</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/SECOND-LIEN-RIDER.pdf\">Second Lien Rider</a></li>\r\n</ul>', 'Lenders', '', 'inherit', 'open', 'open', '', '7-revision-v1', '', '', '2013-05-09 16:54:06', '2013-05-09 16:54:06', '', 7, 'http://reidownpayment.org/7-revision-11/', 0, 'revision', '', 0),
(153, 1, '2013-05-09 19:30:59', '2013-05-09 19:30:59', '<img class=\"size-full wp-image-146 alignright\" alt=\"homebuyers-pic-1\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/homebuyers-pic-1.png\" width=\"348\" height=\"348\" />\r\n\r\nREI Down Payment Assistance will allow you to offer up to 100% financing to your borrowers.   We are HUD approved as an instrumentality of government for this program, therefore our funds are an eligible source of down payment.  The program is flexible and meets the needs of many Oklahoma homebuyers.  Highlights of the program are listed below:\r\n\r\n<strong>Eligible Lenders:</strong>  Must be approved as a Mortgage Clearing Corporation (MCC) Correspondent Lender and in good standing or be associated with an approved Third Party Originator.\r\n\r\n<strong>Structure:</strong>  This is a First and Second Loan Program offering financing to low-to-moderate income individuals and families in Oklahoma.\r\n\r\n<strong>First Mortgage Loan Types:</strong>  FHA, HUD 184, and Rural Development\r\n\r\n<strong>Structure of Assistance:</strong>  Borrower is entitled to borrow from REI Oklahoma an amount equal to 5%, 6%, or 7%, of the first mortgage total loan amount including upfront MIP.  The assistance will be in the form of a Second Mortgage at 7.375% fixed rate for 20 years.  There is no pre-payment penalty on the Second Mortgage.  Borrower may be reimbursed for their earnest money and prepaid expenses.\r\n\r\n<strong>Income Limits:  </strong>FHA &amp; HUD 184 Limits – Limits are based on household income.  You must count the income of all adult income earning household members.\r\n\r\n<strong>Rural Development Limits:</strong>   Use Rural Development’s standard income guidelines.\r\n\r\n<strong>First Mortgage Rates:</strong>  First Mortgage rates are set daily by Mortgage Clearing.  Lenders will have a 45 day lock and delivery period.\r\n\r\n<strong>Second Mortgage Rates:</strong> 7.375%\r\n\r\n<strong>Credit Score:</strong>  Minimum 620 credit score – See Program Summary for detailed information about credit score requirements.\r\n\r\n<strong>DTI:</strong>  Maximum of 45% on DU approved loans.\r\n\r\n<strong>Seller Contributions:</strong>  Allowed up to first mortgage loan program maximum guidelines.\r\n\r\n<strong>Lender Compensation/First Mortgage Fees:</strong>  There is no yield spread on the first mortgage loan, the lender will charge a 2% origination fee and Mortgage Clearing Correspondent lenders will receive an SRP.    There will also be a $295 delivery fee paid to MCC and must be disclosed on the First Mortgage.\r\n\r\n<strong>Second Mortgage Fees:</strong>  There are no fees associated with the Second Mortgage with the exception of Mortgage Tax, Recording Fees, and title company charges.\r\n\r\n<strong>FHA Loan Example:</strong> <i><span style=\"text-decoration: underline;\">\r\n</span></i>\r\n\r\nFor more detailed information please review the <a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/REIOKdpamccprogramsummary.pdf\">Program Summary</a> or call Dena Sherrill, REI Down Payment Assistance Program Manager at <a>800-658-2823</a> or <a>dsherrill@reiok.org</a> to become an approved lender today.\r\n\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/Screen-Shot-2013-04-30-at-3.08.50-PM.png\"><img class=\"alignnone size-full wp-image-135\" alt=\"Screen Shot 2013-04-30 at 3.08.50 PM\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/Screen-Shot-2013-04-30-at-3.08.50-PM.png\" width=\"722\" height=\"848\" /></a>\r\n\r\nProgram Information &amp; Forms:\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/REIOKdpamccprogramsummary.pdf\">Program Summary</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/incomeguidelines.pdf\">Income Guidelines</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/Loan-Registration-Form.xls\">Loan Registration Form</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/Income-Worksheet.xls\">Family Income Worksheet</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/MORTGAGORS-AGREEMENT-DISCLOSURE-FORM.pdf\">Mortgagor’s Agreement and Acknowledgement of Disclosure</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/SECOND-LIEN-RIDER.pdf\">Second Lien Rider</a></li>\r\n</ul>', 'Lenders', '', 'inherit', 'open', 'open', '', '7-revision-v1', '', '', '2013-05-09 19:30:59', '2013-05-09 19:30:59', '', 7, 'http://reidownpayment.org/7-revision-12/', 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
(154, 1, '2013-05-09 19:30:23', '2013-05-09 19:30:23', '<img class=\"alignright\" alt=\"homebuyers-pic-1\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/homebuyers-pic-1.png\" width=\"348\" height=\"348\" />Do you have a good job and the ability re-pay a loan, but have not been able to save for the down payment and closing costs on a home.  REI Down Payment Assistance can help!\r\n\r\nOur Market Rate Program is structured to help low-moderate income borrowers through a program that provides you with a First and Second Mortgage.  The Second Mortgage allows you to borrower the funds required for your down payment and closing cost assistance.\r\n\r\n<b>Program Highlights:</b>\r\n\r\n<strong>Lenders:</strong>  You may use the lender of your choice, if they are approved for the REI DPA program.  Many lenders throughout the state are approved.  If you come across 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 <a>800-658-2823</a> or <a>dsherrill@reiok.org</a>.\r\n<div>\r\n\r\n<strong>Structure:</strong>  This is a First and Second Loan Program offering financing to low-to-moderate income individuals and families in Oklahoma.\r\n\r\n<strong>First Mortgage Loan Types:</strong>   FHA, HUD 184, and Rural Development\r\n\r\n<strong>First Mortgage Rates:</strong>  First Mortgage rates are set daily.\r\n\r\n<strong>Second Mortgage Rates:</strong> 7.375%\r\n\r\n<strong><img class=\"alignleft\" alt=\"620\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/620.png\" width=\"348\" height=\"348\" /></strong>\r\n\r\n</div>\r\n<strong>Structure of Assistance:</strong>  Borrower is entitled to borrow from REI DPA an amount equal to 5%, 6%, or 7%, of the first mortgage total loan amount.  The assistance will be in the form of a Second Mortgage at 7.375% fixed rate for 20 years.  There is no pre-payment penalty on the Second Mortgage.  Borrower may be reimbursed for their earnest money and prepaid expenses.\r\n\r\n<strong>Income Limits:</strong>  Income limits apply based on <i><span style=\"text-decoration: underline;\">household income (link to income limits for FHA &amp; HUD 184)</span></i>.  Rural Development standard income limits apply.\r\n\r\n<strong>Credit Score:</strong>  Minimum 620 credit score.\r\n<div>\r\n\r\n<strong>Seller Contributions:</strong>  Allowed up to first mortgage loan program maximum guidelines.\r\n\r\n</div>\r\n<strong>FHA Loan Example:  </strong>The example below assumes a $105,000 loan at an interest rate of 3.5% amortized for 30 years.  The first part of the chart will show you the total payment you could expect on this loan with the REI second mortgage.  As you can see, the payments for the Second Mortgage are minimal due to the 20 year amortization.  You can also prepay this loan at any time, thus reducing your monthly payment.\r\n\r\nThe second portion of the chart shows the borrowers out of pocket expenses at closing.  It assumes the same loan as above, with the Seller paying 3% of the borrowers closing costs.  The amount due from the borrower is lessened based on the size of the Second Mortgage.\r\n\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/Screen-Shot-2013-04-30-at-3.08.50-PM.png\"><img class=\"alignnone size-full wp-image-135\" alt=\"Screen Shot 2013-04-30 at 3.08.50 PM\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/Screen-Shot-2013-04-30-at-3.08.50-PM.png\" width=\"722\" height=\"848\" /></a>\r\n\r\n<a title=\"Contact\" href=\"http://reidownpayment.org/?page_id=10\">Contact us</a> for more information about this program.\r\n\r\n&nbsp;', 'Home Buyers', '', 'inherit', 'open', 'open', '', '6-revision-v1', '', '', '2013-05-09 19:30:23', '2013-05-09 19:30:23', '', 6, 'http://reidownpayment.org/6-revision-19/', 0, 'revision', '', 0),
(155, 1, '2013-05-09 19:32:16', '2013-05-09 19:32:16', '<img class=\"alignright\" alt=\"homebuyers-pic-1\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/homebuyers-pic-1.png\" width=\"348\" height=\"348\" />Do you have a good job and the ability re-pay a loan, but have not been able to save for the down payment and closing costs on a home.  REI Down Payment Assistance can help!\r\n\r\nOur Market Rate Program is structured to help low-moderate income borrowers through a program that provides you with a First and Second Mortgage.  The Second Mortgage allows you to borrower the funds required for your down payment and closing cost assistance.\r\n\r\n<b>Program Highlights:</b>\r\n\r\n<strong>Lenders:</strong>  You may use the lender of your choice, if they are approved for the REI DPA program.  Many lenders throughout the state are approved.  If you come across 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 <a>800-658-2823</a> or <a>dsherrill@reiok.org</a>.\r\n<div>\r\n\r\n<strong>Structure:</strong>  This is a First and Second Loan Program offering financing to low-to-moderate income individuals and families in Oklahoma.\r\n\r\n<strong>First Mortgage Loan Types:</strong>   FHA, HUD 184, and Rural Development\r\n\r\n<strong>First Mortgage Rates:</strong>  First Mortgage rates are set daily.\r\n\r\n<strong>Second Mortgage Rates:</strong> 7.375%\r\n\r\n<strong><img class=\"alignleft\" alt=\"620\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/620.png\" width=\"348\" height=\"348\" /></strong>\r\n\r\n</div>\r\n<strong>Structure of Assistance:</strong>  Borrower is entitled to borrow from REI DPA an amount equal to 5%, 6%, or 7%, of the first mortgage total loan amount.  The assistance will be in the form of a Second Mortgage at 7.375% fixed rate for 20 years.  There is no pre-payment penalty on the Second Mortgage.  Borrower may be reimbursed for their earnest money and prepaid expenses.\r\n\r\n<strong>Income Limits:</strong>  Income limits apply based on <i><span style=\"text-decoration: underline;\">household income (link to income limits for FHA &amp; HUD 184)</span></i>.  Rural Development standard income limits apply.\r\n\r\n<strong>Credit Score:</strong>  Minimum 620 credit score.\r\n<div>\r\n\r\n<strong>Seller Contributions:</strong>  Allowed up to first mortgage loan program maximum guidelines.\r\n\r\n</div>\r\n<strong>FHA Loan Example:  </strong>The example below assumes a $105,000 loan at an interest rate of 3.5% amortized for 30 years.  The first part of the chart will show you the total payment you could expect on this loan with the REI second mortgage.  As you can see, the payments for the Second Mortgage are minimal due to the 20 year amortization.  You can also prepay this loan at any time, thus reducing your monthly payment.\r\n\r\nThe second portion of the chart shows the borrowers out of pocket expenses at closing.  It assumes the same loan as above, with the Seller paying 3% of the borrowers closing costs.  The amount due from the borrower is lessened based on the size of the Second Mortgage.\r\n\r\n<img class=\"alignnone  wp-image-135\" alt=\"Screen Shot 2013-04-30 at 3.08.50 PM\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/Screen-Shot-2013-04-30-at-3.08.50-PM.png\" width=\"722\" height=\"848\" />\r\n\r\n<a title=\"Contact\" href=\"http://reidownpayment.org/?page_id=10\">Contact us</a> for more information about this program.\r\n\r\n&nbsp;', 'Home Buyers', '', 'inherit', 'open', 'open', '', '6-revision-v1', '', '', '2013-05-09 19:32:16', '2013-05-09 19:32:16', '', 6, 'http://reidownpayment.org/6-revision-20/', 0, 'revision', '', 0),
(156, 1, '2013-05-09 21:33:41', '2013-05-09 21:33:41', '', '', '', 'publish', 'closed', 'closed', '', 'what-we-can-do-for-you-2', '', '', '2014-02-19 18:49:45', '2014-02-19 18:49:45', '', 0, 'http://reidownpayment.org/?post_type=guru_slides&#038;p=156', 0, 'guru_slides', '', 0),
(157, 1, '2013-05-09 21:30:43', '2013-05-09 21:30:43', '', 'minority-family', '', 'inherit', 'open', 'open', '', 'minority-family', '', '', '2013-05-09 21:30:43', '2013-05-09 21:30:43', '', 156, 'http://reidownpayment.org/wp/wp-content/uploads/2013/05/minority-family.jpeg', 0, 'attachment', 'image/jpeg', 0),
(158, 1, '2013-05-09 21:33:28', '2013-05-09 21:33:28', '', 'minority-family', '', 'inherit', 'open', 'open', '', 'minority-family-2', '', '', '2013-05-09 21:33:28', '2013-05-09 21:33:28', '', 156, 'http://reidownpayment.org/wp/wp-content/uploads/2013/05/minority-family.jpg', 0, 'attachment', 'image/jpeg', 0),
(159, 1, '2013-05-09 21:38:51', '2013-05-09 21:38:51', 'REI Down Payment Assistance provides down payment and closing cost assistance to eligible borrowers through partnerships with lenders across the state. We have assisted more than 3,000 families in Oklahoma who wished to achieve homeownership.', 'What We Can Do For You', '', 'inherit', 'open', 'open', '', '156-autosave', '', '', '2013-05-09 21:38:51', '2013-05-09 21:38:51', '', 156, 'http://reidownpayment.org/156-autosave/', 0, 'revision', '', 0),
(160, 1, '2013-05-09 19:32:02', '2013-05-09 19:32:02', '<img class=\"size-full wp-image-146 alignright\" alt=\"homebuyers-pic-1\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/homebuyers-pic-1.png\" width=\"348\" height=\"348\" />\r\n\r\nREI Down Payment Assistance will allow you to offer up to 100% financing to your borrowers.   We are HUD approved as an instrumentality of government for this program, therefore our funds are an eligible source of down payment.  The program is flexible and meets the needs of many Oklahoma homebuyers.  Highlights of the program are listed below:\r\n\r\n<strong>Eligible Lenders:</strong>  Must be approved as a Mortgage Clearing Corporation (MCC) Correspondent Lender and in good standing or be associated with an approved Third Party Originator.\r\n\r\n<strong>Structure:</strong>  This is a First and Second Loan Program offering financing to low-to-moderate income individuals and families in Oklahoma.\r\n\r\n<strong>First Mortgage Loan Types:</strong>  FHA, HUD 184, and Rural Development\r\n\r\n<strong>Structure of Assistance:</strong>  Borrower is entitled to borrow from REI Oklahoma an amount equal to 5%, 6%, or 7%, of the first mortgage total loan amount including upfront MIP.  The assistance will be in the form of a Second Mortgage at 7.375% fixed rate for 20 years.  There is no pre-payment penalty on the Second Mortgage.  Borrower may be reimbursed for their earnest money and prepaid expenses.\r\n\r\n<strong>Income Limits:  </strong>FHA &amp; HUD 184 Limits – Limits are based on household income.  You must count the income of all adult income earning household members.\r\n\r\n<strong>Rural Development Limits:</strong>   Use Rural Development’s standard income guidelines.\r\n\r\n<strong>First Mortgage Rates:</strong>  First Mortgage rates are set daily by Mortgage Clearing.  Lenders will have a 45 day lock and delivery period.\r\n\r\n<strong>Second Mortgage Rates:</strong> 7.375%\r\n\r\n<strong>Credit Score:</strong>  Minimum 620 credit score – See Program Summary for detailed information about credit score requirements.\r\n\r\n<strong>DTI:</strong>  Maximum of 45% on DU approved loans.\r\n\r\n<strong>Seller Contributions:</strong>  Allowed up to first mortgage loan program maximum guidelines.\r\n\r\n<strong>Lender Compensation/First Mortgage Fees:</strong>  There is no yield spread on the first mortgage loan, the lender will charge a 2% origination fee and Mortgage Clearing Correspondent lenders will receive an SRP.    There will also be a $295 delivery fee paid to MCC and must be disclosed on the First Mortgage.\r\n\r\n<strong>Second Mortgage Fees:</strong>  There are no fees associated with the Second Mortgage with the exception of Mortgage Tax, Recording Fees, and title company charges.\r\n\r\n<strong>FHA Loan Example:</strong> <i><span style=\"text-decoration: underline;\">\r\n</span></i>\r\n\r\nFor more detailed information please review the <a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/REIOKdpamccprogramsummary.pdf\">Program Summary</a> or call Dena Sherrill, REI Down Payment Assistance Program Manager at <a>800-658-2823</a> or <a>dsherrill@reiok.org</a> to become an approved lender today.\r\n\r\n<img class=\"alignnone  wp-image-135\" alt=\"Screen Shot 2013-04-30 at 3.08.50 PM\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/Screen-Shot-2013-04-30-at-3.08.50-PM.png\" width=\"722\" height=\"848\" />\r\n\r\nProgram Information &amp; Forms:\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/REIOKdpamccprogramsummary.pdf\">Program Summary</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/incomeguidelines.pdf\">Income Guidelines</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/Loan-Registration-Form.xls\">Loan Registration Form</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/Income-Worksheet.xls\">Family Income Worksheet</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/MORTGAGORS-AGREEMENT-DISCLOSURE-FORM.pdf\">Mortgagor’s Agreement and Acknowledgement of Disclosure</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/SECOND-LIEN-RIDER.pdf\">Second Lien Rider</a></li>\r\n</ul>', 'Lenders', '', 'inherit', 'open', 'open', '', '7-revision-v1', '', '', '2013-05-09 19:32:02', '2013-05-09 19:32:02', '', 7, 'http://reidownpayment.org/7-revision-13/', 0, 'revision', '', 0),
(162, 1, '2013-04-30 19:02:39', '2013-04-30 19:02:39', 'Assistance Amount:  5%, 6%, or 7% of the total First Mortgage Loan Amount and is structured as a Second Mortgage.\r\n\r\nSecond Mortgage Loan Terms:  20-year fixed rate fully amortizing at 7.375% interest (subject to change) No pre-payment penalties.\r\n\r\nFirst Time Homebuyer Requirement:  No\r\n\r\nIncome Guidelines Apply:  Yes, see link to income guidelines)\r\n\r\nRestrictions:  No manufactured housing.\r\n\r\nContact Us today for more info', 'First Mortgage Loan Types', '', 'inherit', 'open', 'open', '', '22-revision-v1', '', '', '2013-04-30 19:02:39', '2013-04-30 19:02:39', '', 22, 'http://reidownpayment.org/22-revision-4/', 0, 'revision', '', 0),
(168, 1, '2013-08-05 17:11:34', '2013-08-05 17:11:34', '<img class=\"size-full wp-image-146 alignright\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/homebuyers-pic-1.png\" alt=\"homebuyers-pic-1\" width=\"348\" height=\"348\" />\r\n\r\n<strong>REI Gift100 Program\r\n</strong>\r\n\r\nREI Down Payment Assistance invests in Oklahoma’s future by providing housing opportunities to low income individuals and families. The statewide REI Gift100 Program provides a competitive first mortgage and down payment/closing cost assistance to eligible mortgagors. The down payment is in the form of a gift that you are not required to pay back and there will not be second liens or deed restrictions against your property. This program can be used with the following loan types:\r\n<ul>\r\n	<li>FHA</li>\r\n	<li>VA</li>\r\n	<li>Rural Development</li>\r\n	<li>HUD Section 184</li>\r\n	<li>Fannie Mae HFA Preferred</li>\r\n</ul>\r\nRate/term refinance on any of the above loan products.\r\n\r\n<strong>Program Highlights:</strong>\r\n\r\n<strong>Structure: </strong>The funds may be used to fund up to 100% of the Borrower\'s cash requirement to close, including the down payment, closing costs, pre-paid items and other related mortgage loan fees and expenses. The following is a breakdown of the assistance available:\r\n<ul>\r\n	<li>FHA, VA, Rural Development &amp; HUD Section 184\r\n<ul>\r\n	<li>Gift of 3.5 or 5.0% of the total loan amount</li>\r\n</ul>\r\n</li>\r\n	<li>Fannie Mae HFA Preferred\r\n<ul>\r\n	<li>Gift of 3, 4, or 5% of the total loan amount</li>\r\n</ul>\r\n</li>\r\n</ul>\r\n<strong>Lenders:</strong> You may use the REI Gift100 approved lender of your choice. If you are using a lender that is not familiar with the program or is not approved, please have them contact Dena Sherrill, REI Down Payment Assistance Manager at 800-658-2823 or <a href=\"mailto:dsherrill@reiok.org\">dsherrill@reiok.org</a>.\r\n\r\n<strong>Income Limits:</strong> Income limits apply based on qualifying income and household size. Click on the appropriate link below for the Area Median Income requirements.\r\n\r\n<strong>Credit Score:</strong>\r\n<ul>\r\n	<li>FHA, VA, Rural Development &amp; HUD Section 184\r\n<ul>\r\n	<li><span style=\"color: #190707;\">Minimum Credit Score of 640</span></li>\r\n</ul>\r\n</li>\r\n	<li>Fannie Mae HFA Preferred\r\n<ul>\r\n	<li>680 for loans &gt; 95% LTV</li>\r\n	<li>640 for loans =/&lt; 95% LTV</li>\r\n</ul>\r\n</li>\r\n</ul>\r\n<strong>First Time Home Buyer: </strong>No first-time home buyer requirement, however the borrower cannot  as of the note date, have any individual or joint ownership interest in any other residential properties.<strong>\r\n</strong>\r\n\r\n<strong>REI can provide Homebuyer Education through EHome America, please click on the following link to take the online course. The cost is $99.00. </strong><a href=\"http://www.ehomeamerica.org/reiok\">www.ehomeamerica.org/reiok</a>\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2015/06/2015-Area-Median-Incomes-FHA-VA-HUD-184.pdf\" target=\"_blank\">2015 Income Limits for FHA, VA, &amp; HUD 184</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2016/04/2016-Area-Median-Incomes-Conventional.pdf\" target=\"_blank\">2016 Income Limits for Conventional Program</a></li>\r\n</ul>', 'REI Gift100 Program', '', 'private', 'open', 'closed', '', 'gift100', '', '', '2018-03-05 15:02:31', '2018-03-05 15:02:31', '', 0, 'http://reidownpayment.org/?page_id=168', 4, 'page', '', 0),
(170, 1, '2013-08-05 17:10:26', '2013-08-05 17:10:26', '', 'Market Rate Program', '', 'inherit', 'open', 'open', '', '168-revision-v1', '', '', '2013-08-05 17:10:26', '2013-08-05 17:10:26', '', 168, 'http://reidownpayment.org/168-revision/', 0, 'revision', '', 0),
(171, 1, '2013-08-05 17:13:44', '2013-08-05 17:13:44', 'Helping borrowers become educated homeowners is an important step in the home buying process. REI Down Payment Assistance offers America\'s Premier Online Homebuyer Education. We have a Certified Homebuyer Education Professional on staff, certified through the Oklahoma Homebuyer Education Association available for counseling to help you better understand the home buying process.\r\n\r\nDuring the course you will learn how to:\r\n<ul>\r\n 	<li>Shop for a home</li>\r\n 	<li>Obtain access to credit</li>\r\n 	<li>Secure a mortgage loan</li>\r\n 	<li>Maintain your home</li>\r\n</ul>\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>\r\n\r\n&nbsp;', 'Homebuyer Education', '', 'publish', 'open', 'closed', '', 'education', '', '', '2020-03-24 19:06:00', '2020-03-24 19:06:00', '', 0, 'http://reidownpayment.org/?page_id=171', 7, 'page', '', 0),
(172, 1, '2013-08-05 17:13:12', '2013-08-05 17:13:12', '', 'Choice 100', '', 'inherit', 'open', 'open', '', '171-revision-v1', '', '', '2013-08-05 17:13:12', '2013-08-05 17:13:12', '', 171, 'http://reidownpayment.org/171-revision/', 0, 'revision', '', 0),
(177, 1, '2013-09-03 19:39:58', '2013-09-03 19:39:58', '', 'Main Street', '', 'publish', 'closed', 'closed', '', 'main-street', '', '', '2013-09-03 19:39:58', '2013-09-03 19:39:58', '', 0, 'http://reidownpayment.org/?post_type=guru_location&#038;p=177', 0, 'guru_location', '', 0),
(179, 1, '2013-07-31 14:41:59', '2013-07-31 14:41:59', 'Assistance Amount:  5%, 6%, or 7% of the total First Mortgage Loan Amount and is structured as a Second Mortgage.\r\n\r\nSecond Mortgage Loan Terms:  20-year fixed rate fully amortizing at 7.375% interest (subject to change) No pre-payment penalties.\r\n\r\nFirst Time Homebuyer Requirement:  No\r\n\r\nIncome Guidelines Apply:  Yes, see link to income guidelines)\r\n\r\nRestrictions:  No manufactured housing.\r\n\r\nContact Us today for more info', 'First Mortgage Loan Types', '', 'inherit', 'open', 'open', '', '22-revision-v1', '', '', '2013-07-31 14:41:59', '2013-07-31 14:41:59', '', 22, 'http://reidownpayment.org/22-revision-5/', 0, 'revision', '', 0),
(180, 1, '2013-09-13 21:11:28', '2013-09-13 21:11:28', '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 created two different down payment and/or closing cost assistance programs, which could be the key to you becoming a homeowner.\r\n \r\nREI Down Payment Assistance has helped more than 3,000 families achieve homeownership through our partnerships with mortgage lenders.  These programs give mortgage lender\'s more tools in their tool belt to help eligible borrowers purchase the home of their dreams.\r\n \r\nHome...Where Life Begins!  Let us help, whether you are a potential homebuyer or lender, click the appropriate links above to learn more.', 'First Mortgage Loan Types', '', 'inherit', 'open', 'open', '', '22-revision-v1', '', '', '2013-09-13 21:11:28', '2013-09-13 21:11:28', '', 22, 'http://reidownpayment.org/22-revision-6/', 0, 'revision', '', 0),
(181, 1, '2013-09-13 21:11:45', '2013-09-13 21:11:45', '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 created two different down payment and/or closing cost assistance programs, which could be the key to you becoming a homeowner.\r\n\r\nREI Down Payment Assistance has helped more than 3,000 families achieve homeownership through our partnerships with mortgage lenders. These programs give mortgage lender\'s more tools in their tool belt to help eligible borrowers purchase the home of their dreams.\r\n\r\nHome...Where Life Begins! Let us help, whether you are a potential homebuyer or lender, click the appropriate links above to learn more.', 'First Mortgage Loan Types', '', 'inherit', 'open', 'open', '', '22-revision-v1', '', '', '2013-09-13 21:11:45', '2013-09-13 21:11:45', '', 22, 'http://reidownpayment.org/22-revision-7/', 0, 'revision', '', 0),
(182, 1, '2013-05-09 21:05:00', '2013-05-09 21:05:00', '<img class=\"alignright\" alt=\"homebuyers-pic-1\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/homebuyers-pic-1.png\" width=\"348\" height=\"348\" />Do you have a good job and the ability re-pay a loan, but have not been able to save for the down payment and closing costs on a home.  REI Down Payment Assistance can help!\r\n\r\nOur Market Rate Program is structured to help low-moderate income borrowers through a program that provides you with a First and Second Mortgage.  The Second Mortgage allows you to borrower the funds required for your down payment and closing cost assistance.\r\n\r\n<b>Program Highlights:</b>\r\n\r\n<strong>Lenders:</strong>  You may use the lender of your choice, if they are approved for the REI DPA program.  Many lenders throughout the state are approved.  If you come across 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 <a>800-658-2823</a> or <a>dsherrill@reiok.org</a>.\r\n<div>\r\n\r\n<strong>Structure:</strong>  This is a First and Second Loan Program offering financing to low-to-moderate income individuals and families in Oklahoma.\r\n\r\n<strong>First Mortgage Loan Types:</strong>   FHA, HUD 184, and Rural Development\r\n\r\n<strong>First Mortgage Rates:</strong>  First Mortgage rates are set daily.\r\n\r\n<strong>Second Mortgage Rates:</strong> 7.375%\r\n\r\n<strong><img class=\"alignleft\" alt=\"620\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/620.png\" width=\"348\" height=\"348\" /></strong>\r\n\r\n</div>\r\n<strong>Structure of Assistance:</strong>  Borrower is entitled to borrow from REI DPA an amount equal to 5%, 6%, or 7%, of the first mortgage total loan amount.  The assistance will be in the form of a Second Mortgage at 7.375% fixed rate for 20 years.  There is no pre-payment penalty on the Second Mortgage.  Borrower may be reimbursed for their earnest money and prepaid expenses.\r\n\r\n<strong>Income Limits:</strong>  Income limits apply based on <i><span style=\"text-decoration: underline;\">household income (link to income limits for FHA &amp; HUD 184)</span></i>.  Rural Development standard income limits apply.\r\n\r\n<strong>Credit Score:</strong>  Minimum 620 credit score.\r\n<div>\r\n\r\n<strong>Seller Contributions:</strong>  Allowed up to first mortgage loan program maximum guidelines.\r\n\r\n</div>\r\n<strong>FHA Loan Example:  </strong>The example below assumes a $105,000 loan at an interest rate of 3.5% amortized for 30 years.  The first part of the chart will show you the total payment you could expect on this loan with the REI second mortgage.  As you can see, the payments for the Second Mortgage are minimal due to the 20 year amortization.  You can also prepay this loan at any time, thus reducing your monthly payment.\r\n\r\nThe second portion of the chart shows the borrowers out of pocket expenses at closing.  It assumes the same loan as above, with the Seller paying 3% of the borrowers closing costs.  The amount due from the borrower is lessened based on the size of the Second Mortgage.\r\n\r\n<a title=\"Contact\" href=\"http://reidownpayment.org/?page_id=10\">Contact us</a> for more information about this program.\r\n\r\n&nbsp;', 'Home Buyers', '', 'inherit', 'open', 'open', '', '6-revision-v1', '', '', '2013-05-09 21:05:00', '2013-05-09 21:05:00', '', 6, 'http://reidownpayment.org/6-revision-21/', 0, 'revision', '', 0),
(183, 1, '2013-09-13 21:21:40', '2013-09-13 21:21:40', '<img class=\"alignright\" alt=\"homebuyers-pic-1\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/homebuyers-pic-1.png\" width=\"348\" height=\"348\" />REI Down Payment Assistance has created two different programs to meet your down payment and closing cost assistance needs.  The programs are developed for people that have good jobs and the ability to re-pay a loan, but have not been able to save for the down payment or closing costs on a home. \r\n \r\nREI Market Rate Program - Closing Cost Assistance for Government Loans\r\n \r\nThe REI Market Rate Program helps you with the closing costs associated with an FHA, HUD 184, and Rural Development Loan.  Many times, people have the funds to make the required down payment for their home loan, but not enough for the closing costs and the Seller is only willing to help with a portion of the closing costs or not at all.\r\n \r\nClosing costs associated with a home loan include title fees, pre-paid costs, escrows, lender fees, and mortgage insurance or guarantee fees charged by the governmental program. \r\n \r\nProgram Highlights: \r\n \r\nStructure:  This is a first and second mortgage program that are packaged together.  The first mortgage loan is a 30 year fixed rate government loan and the second mortgage is utilized to pay the closing costs associated with closing of the first mortgage loan.\r\n \r\nSecond Mortgage:  The second mortgage is sized a 3% of the total first mortgage loan amount.  The second mortgage is a 20 year fixed rate mortgage with an interest rate of 7.375%.  There is no pre-payment penalties on the second mortgage.  Borrower may be reimbursed for their earnest money and prepaid expenses.\r\n \r\nLenders:  You may use the lender of your choice, if they are approved for the REI Market Rate Program.  Many lenders throughout the state are approved.  If you are using a lender that is not familiar with the program or is not approved, please have them contact Dena Sherrill, REI Down Payment Assistance Manager at 800-658-2823 or dsherrill@reiok.org.\r\n \r\nIncome Limits:  Income limits apply based on household income (link to income limits for FHA & HUD 184).  Rural Development standard income limits apply.  Please email the Market Rate Income limits to Marla.\r\n \r\nCredit Score:  Minimum credit score of 640\r\n \r\nFirst-Time Homebuyer:  You do not have to be a first-time homebuyer for this program.\r\n \r\nFor Example:  Borrower is purchasing a home for a total first mortgage loan amount of $100,000.  The second mortgage will be 3% of the total loan amount for a total of $3,000 to be used to pay the borrowers closing costs.  See chart below:  We need to work on a new chart for this program.  Jeremy please redo the FHA example that fits the new structure.  We will probably need to assume a higher rate like around 5% on the first mortgage.\r\n \r\n<a title=\"Contact\" href=\"http://reidownpayment.org/?page_id=10\">Contact us</a> for more information about this program.\r\n\r\n&nbsp;', 'Home Buyers', '', 'inherit', 'open', 'open', '', '6-revision-v1', '', '', '2013-09-13 21:21:40', '2013-09-13 21:21:40', '', 6, 'http://reidownpayment.org/6-revision-22/', 0, 'revision', '', 0),
(184, 1, '2013-09-13 22:03:43', '2013-09-13 22:03:43', '<img class=\"alignright\" alt=\"homebuyers-pic-1\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/homebuyers-pic-1.png\" width=\"348\" height=\"348\" />Do you have a good job and the ability re-pay a loan, but have not been able to save for the down payment and closing costs on a home.  REI Down Payment Assistance can help!\r\n \r\nOur Market Rate Program is structured to help low-moderate income borrowers through a program that provides you with a First and Second Mortgage.  The Second Mortgage allows you to borrower the funds required for your down payment and closing cost assistance.\r\n \r\n \r\nProgram Highlights:\r\n \r\nLenders:  You may use the lender of your choice, if they are approved for the REI DPA program.  Many lenders throughout the state are approved.  If you come across 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 dsherrill@reiok.org.\r\n \r\nStructure:  This is a First and Second Loan Program offering financing to low-to-moderate income individuals and families in Oklahoma.\r\n \r\nFirst Mortgage Loan Types:   FHA, HUD 184, and Rural Development\r\n \r\nFirst Mortgage Rates:  First Mortgage rates are set daily.  \r\n \r\nStructure of Assistance:  Borrower is entitled to borrow from REI DPA an amount equal to 5%, 6%, or 7%, of the first mortgage total loan amount.  The assistance will be in the form of a Second Mortgage at 7.375% fixed rate for 20 years.  There is no pre-payment penalty on the Second Mortgage.  Borrower may be reimbursed for their earnest money and prepaid expenses.\r\n \r\nIncome Limits:  Income limits apply based on household income (link to income limits for FHA & HUD 184).  Rural Development standard income limits apply.\r\n \r\nCredit Score:  Minimum 620 credit score.\r\n \r\nSeller Contributions:  Allowed up to first mortgage loan program maximum guidelines.\r\n \r\nFHA Loan Example: (attached) The example below assumes a $105,000 loan at an interest rate of 3.5% amortized for 30 years.  The first part of the chart will show you the total payment you could expect on this loan with the REI second mortgage.  As you can see, the payments for the Second Mortgage are minimal due to the 20 year amortization.  You can also prepay this loan at any time, thus reducing your monthly payment.\r\n \r\nThe second portion of the chart shows the borrowers out of pocket expenses at closing.  It assumes the same loan as above, with the Seller paying 3% of the borrowers closing costs.  The amount due from the borrower is lessened based on the size of the Second Mortgage.\r\n \r\n<a title=\"Contact\" href=\"http://reidownpayment.org/?page_id=10\">Contact us</a> for more information about this program.\r\n\r\n&nbsp;', 'Home Buyers', '', 'inherit', 'open', 'open', '', '6-revision-v1', '', '', '2013-09-13 22:03:43', '2013-09-13 22:03:43', '', 6, 'http://reidownpayment.org/6-revision-23/', 0, 'revision', '', 0),
(185, 1, '2013-09-13 22:04:51', '2013-09-13 22:04:51', '<img class=\"alignright\" alt=\"homebuyers-pic-1\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/homebuyers-pic-1.png\" width=\"348\" height=\"348\" />Do you have a good job and the ability re-pay a loan, but have not been able to save for the down payment and closing costs on a home.  REI Down Payment Assistance can help!\r\n \r\nOur Market Rate Program is structured to help low-moderate income borrowers through a program that provides you with a First and Second Mortgage.  The Second Mortgage allows you to borrower the funds required for your down payment and closing cost assistance.\r\n \r\n \r\nProgram Highlights:\r\n \r\nLenders:  You may use the lender of your choice, if they are approved for the REI DPA program.  Many lenders throughout the state are approved.  If you come across 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 dsherrill@reiok.org.\r\n \r\nStructure:  This is a First and Second Loan Program offering financing to low-to-moderate income individuals and families in Oklahoma.\r\n \r\nFirst Mortgage Loan Types:   FHA, HUD 184, and Rural Development\r\n \r\nFirst Mortgage Rates:  First Mortgage rates are set daily.  \r\n \r\nStructure of Assistance:  Borrower is entitled to borrow from REI DPA an amount equal to 5%, 6%, or 7%, of the first mortgage total loan amount.  The assistance will be in the form of a Second Mortgage at 7.375% fixed rate for 20 years.  There is no pre-payment penalty on the Second Mortgage.  Borrower may be reimbursed for their earnest money and prepaid expenses.\r\n \r\nIncome Limits:  Income limits apply based on household income (link to income limits for FHA & HUD 184).  Rural Development standard income limits apply.\r\n \r\nCredit Score:  Minimum 620 credit score.\r\n \r\nSeller Contributions:  Allowed up to first mortgage loan program maximum guidelines.\r\n \r\nFHA Loan Example: (attached) The example below assumes a $105,000 loan at an interest rate of 3.5% amortized for 30 years.  The first part of the chart will show you the total payment you could expect on this loan with the REI second mortgage.  As you can see, the payments for the Second Mortgage are minimal due to the 20 year amortization.  You can also prepay this loan at any time, thus reducing your monthly payment.\r\n \r\nThe second portion of the chart shows the borrowers out of pocket expenses at closing.  It assumes the same loan as above, with the Seller paying 3% of the borrowers closing costs.  The amount due from the borrower is lessened based on the size of the Second Mortgage.\r\n \r\n<a style=\"color=\"red\", text-decoration=\"underline\"\" title=\"Contact\" href=\"http://reidownpayment.org/?page_id=10\">Contact us</a> for more information about this program.\r\n\r\n&nbsp;', 'Home Buyers', '', 'inherit', 'open', 'open', '', '6-revision-v1', '', '', '2013-09-13 22:04:51', '2013-09-13 22:04:51', '', 6, 'http://reidownpayment.org/6-revision-24/', 0, 'revision', '', 0),
(186, 1, '2013-09-13 22:05:36', '2013-09-13 22:05:36', '<img class=\"alignright\" alt=\"homebuyers-pic-1\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/homebuyers-pic-1.png\" width=\"348\" height=\"348\" />Do you have a good job and the ability re-pay a loan, but have not been able to save for the down payment and closing costs on a home.  REI Down Payment Assistance can help!\r\n \r\nOur Market Rate Program is structured to help low-moderate income borrowers through a program that provides you with a First and Second Mortgage.  The Second Mortgage allows you to borrower the funds required for your down payment and closing cost assistance.\r\n \r\n \r\nProgram Highlights:\r\n \r\nLenders:  You may use the lender of your choice, if they are approved for the REI DPA program.  Many lenders throughout the state are approved.  If you come across 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 dsherrill@reiok.org.\r\n \r\nStructure:  This is a First and Second Loan Program offering financing to low-to-moderate income individuals and families in Oklahoma.\r\n \r\nFirst Mortgage Loan Types:   FHA, HUD 184, and Rural Development\r\n \r\nFirst Mortgage Rates:  First Mortgage rates are set daily.  \r\n \r\nStructure of Assistance:  Borrower is entitled to borrow from REI DPA an amount equal to 5%, 6%, or 7%, of the first mortgage total loan amount.  The assistance will be in the form of a Second Mortgage at 7.375% fixed rate for 20 years.  There is no pre-payment penalty on the Second Mortgage.  Borrower may be reimbursed for their earnest money and prepaid expenses.\r\n \r\nIncome Limits:  Income limits apply based on household income (link to income limits for FHA & HUD 184).  Rural Development standard income limits apply.\r\n \r\nCredit Score:  Minimum 620 credit score.\r\n \r\nSeller Contributions:  Allowed up to first mortgage loan program maximum guidelines.\r\n \r\nFHA Loan Example: (attached) The example below assumes a $105,000 loan at an interest rate of 3.5% amortized for 30 years.  The first part of the chart will show you the total payment you could expect on this loan with the REI second mortgage.  As you can see, the payments for the Second Mortgage are minimal due to the 20 year amortization.  You can also prepay this loan at any time, thus reducing your monthly payment.\r\n \r\nThe second portion of the chart shows the borrowers out of pocket expenses at closing.  It assumes the same loan as above, with the Seller paying 3% of the borrowers closing costs.  The amount due from the borrower is lessened based on the size of the Second Mortgage.\r\n \r\n<a style=\"color:red, text-decoration:underline\" title=\"Contact\" href=\"http://reidownpayment.org/?page_id=10\">Contact us</a> for more information about this program.\r\n\r\n&nbsp;', 'Home Buyers', '', 'inherit', 'open', 'open', '', '6-revision-v1', '', '', '2013-09-13 22:05:36', '2013-09-13 22:05:36', '', 6, 'http://reidownpayment.org/6-revision-25/', 0, 'revision', '', 0),
(187, 1, '2013-09-13 22:05:44', '2013-09-13 22:05:44', '<img class=\"alignright\" alt=\"homebuyers-pic-1\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/homebuyers-pic-1.png\" width=\"348\" height=\"348\" />Do you have a good job and the ability re-pay a loan, but have not been able to save for the down payment and closing costs on a home.  REI Down Payment Assistance can help!\r\n \r\nOur Market Rate Program is structured to help low-moderate income borrowers through a program that provides you with a First and Second Mortgage.  The Second Mortgage allows you to borrower the funds required for your down payment and closing cost assistance.\r\n \r\n \r\nProgram Highlights:\r\n \r\nLenders:  You may use the lender of your choice, if they are approved for the REI DPA program.  Many lenders throughout the state are approved.  If you come across 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 dsherrill@reiok.org.\r\n \r\nStructure:  This is a First and Second Loan Program offering financing to low-to-moderate income individuals and families in Oklahoma.\r\n \r\nFirst Mortgage Loan Types:   FHA, HUD 184, and Rural Development\r\n \r\nFirst Mortgage Rates:  First Mortgage rates are set daily.  \r\n \r\nStructure of Assistance:  Borrower is entitled to borrow from REI DPA an amount equal to 5%, 6%, or 7%, of the first mortgage total loan amount.  The assistance will be in the form of a Second Mortgage at 7.375% fixed rate for 20 years.  There is no pre-payment penalty on the Second Mortgage.  Borrower may be reimbursed for their earnest money and prepaid expenses.\r\n \r\nIncome Limits:  Income limits apply based on household income (link to income limits for FHA & HUD 184).  Rural Development standard income limits apply.\r\n \r\nCredit Score:  Minimum 620 credit score.\r\n \r\nSeller Contributions:  Allowed up to first mortgage loan program maximum guidelines.\r\n \r\nFHA Loan Example: (attached) The example below assumes a $105,000 loan at an interest rate of 3.5% amortized for 30 years.  The first part of the chart will show you the total payment you could expect on this loan with the REI second mortgage.  As you can see, the payments for the Second Mortgage are minimal due to the 20 year amortization.  You can also prepay this loan at any time, thus reducing your monthly payment.\r\n \r\nThe second portion of the chart shows the borrowers out of pocket expenses at closing.  It assumes the same loan as above, with the Seller paying 3% of the borrowers closing costs.  The amount due from the borrower is lessened based on the size of the Second Mortgage.\r\n \r\n<a style=\"color:red, text-decoration:underline\" title=\"Contact\" href=\"http://reidownpayment.org/?page_id=10\">Contact us</a> for more information about this program.\r\n\r\n&nbsp;', 'Home Buyers', '', 'inherit', 'open', 'open', '', '6-revision-v1', '', '', '2013-09-13 22:05:44', '2013-09-13 22:05:44', '', 6, 'http://reidownpayment.org/6-revision-26/', 0, 'revision', '', 0),
(188, 1, '2013-09-16 14:19:22', '2013-09-16 14:19:22', 'Lorem ipsum dolor sit amet, consectetur adipiscing elit. Quisque et fermentum elit. Praesent sit amet tortor sit amet massa aliquam congue ac in purus. Suspendisse id ipsum et risus posuere ultricies in et elit. Quisque sit amet convallis justo. Suspendisse vel ornare velit. Ut ut ipsum rutrum, semper augue a, commodo nisl. Aenean fermentum sed libero molestie vehicula.\r\n\r\nSuspendisse at varius enim. Ut magna tellus, viverra et laoreet ac, aliquam eget nulla. Proin et dui metus. Fusce ultricies non metus quis auctor. Ut laoreet nibh quis augue viverra, sit amet semper orci sagittis. Vivamus consectetur euismod arcu, ac cursus lacus varius sed. Donec fringilla aliquam vulputate.', 'Choice 100', '', 'inherit', 'open', 'open', '', '171-revision-v1', '', '', '2013-09-16 14:19:22', '2013-09-16 14:19:22', '', 171, 'http://reidownpayment.org/171-revision-2/', 0, 'revision', '', 0),
(189, 1, '2013-09-16 14:25:54', '2013-09-16 14:25:54', 'REI CHOICE100 - Down Payment and Closing Cost Assistance - Fannie Mae My Community Mortgage Loans\r\n \r\nThe REI Choice100 program is just that, it provides you with numerous choices and types of assistance.  The program is utilized with Fannie Mae\'s 95% My Community Mortgage loan.  We have structured the program to provide you with a second mortgage of 5% along with the \"choice\" to pay a higher interest rate and receive an additional 2% or more in assistance.  The choice is yours and can be made with direction from your lender.\r\n \r\nYou can also use this program for a rate/term refinance of existing loans.  Any loan that is refinanced must prove a demonstrable benefit to the borrower (i.e. lower payments, term, or interest rates).  Cash out refinances are not eligible.\r\n \r\nProgram Highlights: \r\n \r\nStructure:  This is a first and second mortgage program that are packaged together.  The first mortgage loan is a 30 year fixed rate 95% My Community Mortgage and the second mortgage is utilized to pay the down payment, closing or mortgage insurance premiums associated with the first mortgage.\r\n \r\nSecond Mortgage:  The second mortgage is sized at 5% of the total first mortgage loan amount.  The second mortgage is a 20 year fixed rate mortgage with an interest rate of 6.00%.  There is no pre-payment penalties on the second mortgage.  Borrower may be reimbursed for their earnest money and prepaid expenses.\r\n \r\nLenders:  You may use the lender of your choice, if they are approved for the REI Choice100 program.  Many lenders throughout the state are approved.  If you are using a lender that is not familiar with the program or is not approved, please have them contact Dena Sherrill, REI Down Payment Assistance Manager at 800-658-2823 or dsherrill@reiok.org.\r\n \r\nIncome Limits:  Income limits apply based on qualifying income (link to income limits). \r\n \r\nCredit Score:  Minimum credit score of 680.\r\n \r\nMortgage Insurance:  Required coverage amount is lower than normal My Community Mortgage loans. \r\n \r\nFirst Time Homebuyer:  You do not have to be a first-time homebuyer for this program.\r\n \r\nHomebuyer Education:  If all borrowers are first-time home buyers, at least one borrower must complete pre-purchase home-buyer education and counseling. ', 'Choice 100', '', 'inherit', 'open', 'open', '', '171-revision-v1', '', '', '2013-09-16 14:25:54', '2013-09-16 14:25:54', '', 171, 'http://reidownpayment.org/171-revision-3/', 0, 'revision', '', 0),
(192, 1, '2013-10-15 18:27:58', '2013-10-15 18:27:58', '<strong>REI CHOICE100</strong> - Down Payment and Closing Cost Assistance - Fannie Mae My Community Mortgage Loans\n\nThe REI Choice100 program is just that, it provides you with numerous choices and types of assistance. The program is utilized with Fannie Mae\'s 95% My Community Mortgage loan. We have structured the program to provide you with a second mortgage of 5% along with the \"choice\" to pay a higher interest rate and receive an additional 2% or more in assistance. The choice is yours and can be made with direction from your lender.\n\nYou can also use this program for a rate/term refinance of existing loans. Any loan that is refinanced must prove a demonstrable benefit to the borrower (i.e. lower payments, term, or interest rates). Cash out refinances are not eligible.\n\n<strong>Program Highlights:</strong>\n\n<strong>Structure:</strong> This is a first and second mortgage program that are packaged together. The first mortgage loan is a 30 year fixed rate 95% My Community Mortgage and the second mortgage is utilized to pay the down payment, closing or mortgage insurance premiums associated with the first mortgage.\n\n<strong>Second Mortgage:</strong> The second mortgage is sized at 5% of the total first mortgage loan amount. The second mortgage is a 20 year fixed rate mortgage with an interest rate of 6.00%. There is no pre-payment penalties on the second mortgage. Borrower may be reimbursed for their earnest money and prepaid expenses.\n\n<strong>Lenders:</strong> You may use the lender of your choice, if they are approved for the REI Choice100 program. Many lenders throughout the state are approved. If you are using a lender that is not familiar with the program or is not approved, please have them contact Dena Sherrill, REI Down Payment Assistance Manager at 800-658-2823 or <a href=\"mailto:dsherrill@reiok.org\">dsherrill@reiok.org</a>.\n\n<strong>Income Limits:</strong> Income limits apply based on qualifying <a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/08/2013-Area-Median-Incomes-Bond-Program-2.pdf\">income</a>.\n\n<strong>Credit Score:</strong> Minimum credit score of 680.\n\n<strong>Mortgage Insurance:</strong> Required coverage amount is lower than normal My Community Mortgage loans.\n\n<strong>First Time Homebuyer:</strong> You do not have to be a first-time homebuyer for this program.\n\n<strong>Homebuyer Education:</strong> If all borrowers are first-time home buyers, at least one borrower must complete pre-purchase home-buyer education and counseling.', 'Choice 100', '', 'inherit', 'open', 'open', '', '171-autosave-v1', '', '', '2013-10-15 18:27:58', '2013-10-15 18:27:58', '', 171, 'http://reidownpayment.org/171-autosave/', 0, 'revision', '', 0);
