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(317, 1, '2013-10-16 14:24:15', '2013-10-16 14:24:15', '<strong>REI CHOICE100</strong> - Down Payment and Closing Cost Assistance - Fannie Mae My Community Mortgage Loans\r\n\r\nThe REI Choice100 program is just that, it provides you with numerous choices and types of assistance. The program is utilized with Fannie Mae\'s 95% My Community Mortgage loan. We have structured the program to provide you with a second mortgage of 5% along with the \"choice\" to pay a higher interest rate and receive 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\n<strong>Program Highlights:</strong>\r\n\r\n<strong>Structure:</strong> This is a first and second mortgage program that are packaged together. The first mortgage loan is a 30 year fixed rate 95% My Community Mortgage and the second mortgage is utilized to pay the down payment, closing or mortgage insurance premiums associated with the first mortgage.\r\n\r\n<strong>Second Mortgage:</strong> The second mortgage is sized at 5% of the total first mortgage loan amount. The second mortgage is a 20 year fixed rate mortgage with an interest rate of 6.00%. There is no pre-payment penalties on the second mortgage. Borrower may be reimbursed for their earnest money and prepaid expenses.\r\n\r\n<strong>Lenders:</strong> You may use the lender of your choice, if they are approved for the REI Choice100 program. Many lenders throughout the state are approved. If you are using a lender that is not familiar with the program or is not approved, please have them contact Dena Sherrill, REI Down Payment Assistance Manager at 800-658-2823 or <a href=\"mailto:dsherrill@reiok.org\">dsherrill@reiok.org</a>.\r\n\r\n<strong>Income Limits:</strong> Income limits apply based on qualifying <a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/09/2013-Area-Median-Incomes-Bond-Program.pdf\">income</a>.\r\n\r\n<strong>Credit Score:</strong> Minimum credit score of 680.\r\n\r\n<strong>Mortgage Insurance:</strong> Required coverage amount is lower than normal My Community Mortgage loans.\r\n\r\n<strong>First Time Homebuyer:</strong> You do not have to be a first-time homebuyer for this program.\r\n\r\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.\r\n\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/09/2013-Area-Median-Incomes-Choice-100-Program.pdf\">2013 Area Median Incomes - Choice 100 Program</a>', 'Choice 100', '', 'inherit', 'open', 'open', '', '171-revision-v1', '', '', '2013-10-16 14:24:15', '2013-10-16 14:24:15', '', 171, 'http://reidownpayment.org/171-revision-24/', 0, 'revision', '', 0),
(318, 1, '2013-09-16 14:18:57', '2013-09-16 14:18:57', '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', '', '', '2013-09-16 14:18:57', '2013-09-16 14:18:57', '', 22, 'http://reidownpayment.org/22-revision-8/', 0, 'revision', '', 0),
(319, 1, '2013-10-16 04:18:11', '2013-10-16 04:18:11', 'Closing Cost Assistance for Government Loans\r\n\r\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.\r\n\r\nEligible closing costs for this program include title fees, pre-paid costs, escrows, lender fees, and up front mortgage insurance or guarantee fees.\r\n\r\nPlease review the Program Summary for more detailed information, below are some highlights of the program.\r\n\r\n<strong>Eligible Lenders:</strong> Lenders must be approved as a Mortgage Clearing Corporation (MCC) Correspondent Lender and in good standing. MCC requires that lenders must meet the FHA net worth requirements and be FHA approved to be eligible for MCC Correspondent Lender status. Lenders should contact Chris Jones, MCC at (918)749-2274 or <a href=\"mailto:chrisjones@mortgageclearing.com\">chrisjones@mortgageclearing.com</a> to inquire about becoming a participating lender. If you don\'t meet these requirements, please contact Dena Sherrill at <a href=\"mailto:dsherrill@reiok.org\">dsherrill@reiok.org</a> or Jeremy Layman <a href=\"mailto:jlayman@reiok.org\">jlayman@reiok.org</a>.\r\n\r\n<strong>Program Highlights:</strong>\r\n\r\n<strong>Structure:</strong> This is a first and second mortgage program that are packaged together. The first mortgage loan is a 30 year fixed rate government loan and the second mortgage is utilized to pay the closing costs associated with closing of the first mortgage loan.\r\n\r\n<strong>Second Mortgage:</strong> 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. Second loan proceeds may be used to cover any gap between the FHA-insured first mortgage and the amount necessary to acquire the property, including closing costs, prepaid expenses, and payment of upfront mortgage insurance premiums and/or guarantee fees. Borrower may be reimbursed for their earnest money and prepaid expenses.\r\n\r\n<strong>Interest Rates:</strong> Interest rates are distributed by email daily by MCC.\r\n\r\n<strong>Income Limits:</strong> Income limits apply based on household <a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/09/Income-Worksheet.xls\">Income Worksheet</a> (link to income limits for FHA &amp; HUD 184). Rural Development standard income limits apply.\r\n\r\n<strong>Credit Score:</strong> Minimum credit score of 640\r\n\r\n<strong>CLTV:</strong> Cannot exceed 105%\r\n\r\n<strong>DTI:</strong> Cannot exceed 45%\r\n\r\n<strong>First-Time Homebuyer:</strong> No first-time homebuyer requirement.\r\n\r\nLender Compensation, Fees, and Purchase: Please review the Program Summary for lender compensation, fees, and purchase information.\r\n\r\n<strong>Loan Funding:</strong> Lender will fund the First Mortgage. The second mortgage will be table funded by REI.\r\n\r\n<strong>For Example:</strong> 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.\r\n\r\nForms:\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/08/REIOK-MCC-Program-Summary-Closing-Costs-Only-1.pdf\">REIOK MCC Program Summary Closing Costs Only</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/09/Wire-Request-Form.xlsx\">REI Down Payment Assistance Wire Request Form</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/09/Income-Worksheet.xls\">REI Down Payment Assistance Income Verification Form</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/09/Loan-Registration-Form-1.xls\">Loan Registration Form</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/09/SECOND-LIEN-RIDER.pdf\">Second Lien Rider</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/09/MORTGAGORS-AGREEMENT-DISCLOSURE-FORM.pdf\">Mortgagors Agreement &amp; Disclosure Form</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/08/2013-Area-Median-Incomes-Bond-Program-2.pdf\">2013 Area Median Incomes - Bond Program</a></li>\r\n</ul>', 'REI Market Rate Program', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2013-10-16 04:18:11', '2013-10-16 04:18:11', '', 215, 'http://reidownpayment.org/215-revision-14/', 0, 'revision', '', 0),
(320, 1, '2013-10-16 04:22:55', '2013-10-16 04:22:55', '<div lang=\"EN-US\">\r\n\r\nREI 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\n<strong><a title=\"REI Market Rate Program\" href=\"http://reidownpayment.org/home-buyers/rei-market-rate-program/\">REI Market Rate Program</a>\r\nClosing Cost Assistance for Government Loans</strong>\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\n<strong><a title=\"Choice100 Program\" href=\"http://reidownpayment.org/home-buyers/choice100-program/\">REI CHOICE100</a></strong>\r\n<strong>Down Payment and Closing Cost Assistance - Fannie Mae My Community Mortgage Loans</strong>\r\n\r\nThe REI Choice100 program is just that, it provides you with numerous choices and types of assistance. 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\n</div>', 'Home Buyers', '', 'inherit', 'open', 'open', '', '6-revision-v1', '', '', '2013-10-16 04:22:55', '2013-10-16 04:22:55', '', 6, 'http://reidownpayment.org/6-revision-42/', 0, 'revision', '', 0),
(321, 1, '2013-10-16 16:21:31', '2013-10-16 16:21:31', '<strong>REI Market Rate Program</strong> - Closing Cost Assistance for Government Loans\r\n\r\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.\r\n\r\nEligible closing costs for this program include title fees, pre-paid costs, escrows, lender fees, and up front mortgage insurance or guarantee fees.\r\n\r\nPlease review the Program Summary for more detailed information, below are some highlights of the program.\r\n\r\n<strong>Eligible Lenders:</strong> Lenders must be approved as a Mortgage Clearing Corporation (MCC) Correspondent Lender and in good standing. MCC requires that lenders must meet the FHA net worth requirements and be FHA approved to be eligible for MCC Correspondent Lender status. Lenders should contact Chris Jones, MCC at (918)749-2274 or <a href=\"mailto:chrisjones@mortgageclearing.com\">chrisjones@mortgageclearing.com</a> to inquire about becoming a participating lender. If you don\'t meet these requirements, please contact Dena Sherrill at <a href=\"mailto:dsherrill@reiok.org\">dsherrill@reiok.org</a> or Jeremy Layman <a href=\"mailto:jlayman@reiok.org\">jlayman@reiok.org</a>.\r\n\r\n<strong>Program Highlights:</strong>\r\n\r\n<strong>Structure:</strong> This is a first and second mortgage program that are packaged together. The first mortgage loan is a 30 year fixed rate government loan and the second mortgage is utilized to pay the closing costs associated with closing of the first mortgage loan.\r\n\r\n<strong>Second Mortgage:</strong> 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. Second loan proceeds may be used to cover any gap between the FHA-insured first mortgage and the amount necessary to acquire the property, including closing costs, prepaid expenses, and payment of upfront mortgage insurance premiums and/or guarantee fees. Borrower may be reimbursed for their earnest money and prepaid expenses.\r\n\r\n<strong>Interest Rates:</strong> Interest rates are distributed by email daily by MCC.\r\n\r\n<strong>Income Limits:</strong> Income limits apply based on household <a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/09/Income-Worksheet.xls\">Income Worksheet</a> (link to income limits for FHA &amp; HUD 184). Rural Development standard income limits apply.\r\n\r\n<strong>Credit Score:</strong> Minimum credit score of 640\r\n\r\n<strong>CLTV:</strong> Cannot exceed 105%\r\n\r\n<strong>DTI:</strong> Cannot exceed 45%\r\n\r\n<strong>First-Time Homebuyer:</strong> No first-time homebuyer requirement.\r\n\r\nLender Compensation, Fees, and Purchase: Please review the Program Summary for lender compensation, fees, and purchase information.\r\n\r\n<strong>Loan Funding:</strong> Lender will fund the First Mortgage. The second mortgage will be table funded by REI.\r\n\r\n<strong>For Example:</strong> 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.\r\n\r\nForms:\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/08/REIOK-MCC-Program-Summary-Closing-Costs-Only-1.pdf\">REIOK MCC Program Summary Closing Costs Only</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/09/Wire-Request-Form.xlsx\">REI Down Payment Assistance Wire Request Form</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/09/Income-Worksheet.xls\">REI Down Payment Assistance Income Verification Form</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/09/Loan-Registration-Form-1.xls\">Loan Registration Form</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/09/SECOND-LIEN-RIDER.pdf\">Second Lien Rider</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/09/MORTGAGORS-AGREEMENT-DISCLOSURE-FORM.pdf\">Mortgagors Agreement &amp; Disclosure Form</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/08/2013-Area-Median-Incomes-Bond-Program-2.pdf\">2013 Area Median Incomes - Bond Program</a></li>\r\n</ul>', 'REI Market Rate Program', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2013-10-16 16:21:31', '2013-10-16 16:21:31', '', 215, 'http://reidownpayment.org/215-revision-15/', 0, 'revision', '', 0),
(322, 1, '2013-09-24 18:51:25', '2013-09-24 18:51:25', '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.\r\n\r\n<strong><a title=\"REI Market Rate Program\" href=\"http://reidownpayment.org/lenders/rei-market-rate-program/\">REI Market Rate Program</a>\r\nClosing Cost Assistance for Government Loans</strong>\r\n\r\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.\r\n\r\nEligible closing costs for this program include title fees, pre-paid costs, escrows, lender fees, and up front mortgage insurance or guarantee fees.\r\n\r\n<strong><a title=\"Choice100 Program\" href=\"http://reidownpayment.org/lenders/choice100-program/\">REI CHOICE100</a></strong>\r\n<strong>Down Payment and Closing Cost Assistance - Fannie Mae My Community Mortgage Loans</strong>\r\n\r\nThe REI Choice100 program is just that, it provides you with numerous choices and types of assistance for your borrowers. The program is utilized with Fannie Mae\'s 95% My Community Mortgage loan. We have structured the program to provide the borrower with a second mortgage of 5% along with the \"choice\" to pay a higher interest rate and receive 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.\r\n\r\nThis program can also be used for a rate/term refinance of existing loans. Any loan that is refinanced must prove a demonstrable benefit to the borrower (i.e. lower payments, term, or interest rates). Cash out refinances are not eligible.', 'Lenders', '', 'inherit', 'open', 'open', '', '7-revision-v1', '', '', '2013-09-24 18:51:25', '2013-09-24 18:51:25', '', 7, 'http://reidownpayment.org/7-revision-28/', 0, 'revision', '', 0),
(323, 1, '2013-10-16 17:21:37', '2013-10-16 17:21:37', '<strong>REI Market Rate Program</strong> - Closing Cost Assistance for Government Loans\r\n\r\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.\r\n\r\nEligible closing costs for this program include title fees, pre-paid costs, escrows, lender fees, and up front mortgage insurance or guarantee fees.\r\n\r\nPlease review the Program Summary for more detailed information, below are some highlights of the program.\r\n\r\n<strong>Eligible Lenders:</strong> Lenders must be approved as a Mortgage Clearing Corporation (MCC) Correspondent Lender and in good standing. MCC requires that lenders must meet the FHA net worth requirements and be FHA approved to be eligible for MCC Correspondent Lender status. Lenders should contact Chris Jones, MCC at (918)749-2274 or <a href=\"mailto:chrisjones@mortgageclearing.com\">chrisjones@mortgageclearing.com</a> to inquire about becoming a participating lender. If you don\'t meet these requirements, please contact Dena Sherrill at <a href=\"mailto:dsherrill@reiok.org\">dsherrill@reiok.org</a> or Jeremy Layman <a href=\"mailto:jlayman@reiok.org\">jlayman@reiok.org</a>.\r\n\r\n<strong>Program Highlights:</strong>\r\n\r\n<strong>Structure:</strong> This is a first and second mortgage program that are packaged together. The first mortgage loan is a 30 year fixed rate government loan and the second mortgage is utilized to pay the closing costs associated with closing of the first mortgage loan.\r\n\r\n<strong>Second Mortgage:</strong> 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. Second loan proceeds may be used to cover any gap between the FHA-insured first mortgage and the amount necessary to acquire the property, including closing costs, prepaid expenses, and payment of upfront mortgage insurance premiums and/or guarantee fees. Borrower may be reimbursed for their earnest money and prepaid expenses.\r\n\r\n<strong>Interest Rates:</strong> Interest rates are distributed by email daily by MCC.\r\n\r\n<strong>Income Limits:</strong> Income limits apply based on household <a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/09/Income-Worksheet.xls\">Income Worksheet</a> (link to income limits for FHA &amp; HUD 184). Rural Development standard income limits apply.\r\n\r\n<strong>Credit Score:</strong> Minimum credit score of 640\r\n\r\n<strong>CLTV:</strong> Cannot exceed 105%\r\n\r\n<strong>DTI:</strong> Cannot exceed 45%\r\n\r\n<strong>First-Time Homebuyer:</strong> No first-time homebuyer requirement.\r\n\r\nLender Compensation, Fees, and Purchase: Please review the Program Summary for lender compensation, fees, and purchase information.\r\n\r\n<strong>Loan Funding:</strong> Lender will fund the First Mortgage. The second mortgage will be table funded by REI.\r\n\r\n<strong>For Example:</strong> 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.\r\n\r\nForms:\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/08/REIOK-MCC-Program-Summary-Closing-Costs-Only-1.pdf\">REIOK MCC Program Summary Closing Costs Only</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/09/Wire-Request-Form.xlsx\">REI Down Payment Assistance Wire Request Form</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/09/Income-Worksheet.xls\">REI Down Payment Assistance Income Verification Form</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/09/Loan-Registration-Form-1.xls\">Loan Registration Form</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/09/SECOND-LIEN-RIDER.pdf\">Second Lien Rider</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/09/MORTGAGORS-AGREEMENT-DISCLOSURE-FORM.pdf\">Mortgagors Agreement &amp; Disclosure Form</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/08/2013-Area-Median-Incomes-Bond-Program-2.pdf\">2013 Area Median Incomes - Bond Program</a></li>\r\n</ul>', 'REI Market Rate Program', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2013-10-16 17:21:37', '2013-10-16 17:21:37', '', 215, 'http://reidownpayment.org/215-revision-16/', 0, 'revision', '', 0),
(324, 1, '2013-10-16 17:22:19', '2013-10-16 17:22:19', '<strong>REI Market Rate Program</strong> - Closing Cost Assistance for Government Loans\r\n\r\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.\r\n\r\nEligible closing costs for this program include title fees, pre-paid costs, escrows, lender fees, and up front mortgage insurance or guarantee fees.\r\n\r\nPlease review the Program Summary for more detailed information, below are some highlights of the program.\r\n\r\n<strong>Eligible Lenders:</strong> Lenders must be approved as a Mortgage Clearing Corporation (MCC) Correspondent Lender and in good standing. MCC requires that lenders must meet the FHA net worth requirements and be FHA approved to be eligible for MCC Correspondent Lender status. Lenders should contact Chris Jones, MCC at (918)749-2274 or <a href=\"mailto:chrisjones@mortgageclearing.com\">chrisjones@mortgageclearing.com</a> to inquire about becoming a participating lender. If you don\'t meet these requirements, please contact Dena Sherrill at <a href=\"mailto:dsherrill@reiok.org\">dsherrill@reiok.org</a> or Jeremy Layman <a href=\"mailto:jlayman@reiok.org\">jlayman@reiok.org</a>.\r\n\r\n<strong>Program Highlights:</strong>\r\n\r\n<strong>Structure:</strong> This is a first and second mortgage program that are packaged together. The first mortgage loan is a 30 year fixed rate government loan and the second mortgage is utilized to pay the closing costs associated with closing of the first mortgage loan.\r\n\r\n<strong>Second Mortgage:</strong> 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. Second loan proceeds may be used to cover any gap between the FHA-insured first mortgage and the amount necessary to acquire the property, including closing costs, prepaid expenses, and payment of upfront mortgage insurance premiums and/or guarantee fees. Borrower may be reimbursed for their earnest money and prepaid expenses.\r\n\r\n<strong>Interest Rates:</strong> Interest rates are distributed by email daily by MCC.\r\n\r\n<strong>Income Limits:</strong> Income limits apply based on household <a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/09/Income-Worksheet.xls\">Income Worksheet</a> (link to income limits for FHA &amp; HUD 184). Rural Development standard income limits apply.\r\n\r\n<strong>Credit Score:</strong> Minimum credit score of 640\r\n\r\n<strong>CLTV:</strong> Cannot exceed 105%\r\n\r\n<strong>DTI:</strong> Cannot exceed 45%\r\n\r\n<strong>First-Time Homebuyer:</strong> No first-time homebuyer requirement.\r\n\r\nLender Compensation, Fees, and Purchase: Please review the Program Summary for lender compensation, fees, and purchase information.\r\n\r\n<strong>Loan Funding:</strong> Lender will fund the First Mortgage. The second mortgage will be table funded by REI.\r\n\r\n<strong>For Example:</strong> 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.\r\n\r\nForms:\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/08/REIOK-MCC-Program-Summary-Closing-Costs-Only-1.pdf\">REIOK MCC Program Summary Closing Costs Only</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/09/Wire-Request-Form.xlsx\">REI Down Payment Assistance Wire Request Form</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/09/Income-Worksheet.xls\">REI Down Payment Assistance Income Verification Form</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/09/Loan-Registration-Form-1.xls\">Loan Registration Form</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/09/SECOND-LIEN-RIDER.pdf\">Second Lien Rider</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/09/MORTGAGORS-AGREEMENT-DISCLOSURE-FORM.pdf\">Mortgagors Agreement &amp; Disclosure Form</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/08/2013-Area-Median-Incomes-Bond-Program-2.pdf\">2013 Area Median Incomes - Bond Program</a></li>\r\n</ul>', 'REI Market Rate Program', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2013-10-16 17:22:19', '2013-10-16 17:22:19', '', 215, 'http://reidownpayment.org/215-revision-17/', 0, 'revision', '', 0),
(327, 1, '2013-10-16 14:22:07', '2013-10-16 14:22:07', '<img class=\"size-full wp-image-146 alignright\" alt=\"homebuyers-pic-1\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/homebuyers-pic-1.png\" width=\"348\" height=\"348\" />\r\n\r\n<strong>REI Market Rate Program</strong> - 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\n<strong>Program Highlights:</strong>\r\n\r\n<strong>Structure:</strong> This is a first and second mortgage program that are packaged together. The first mortgage loan is a 30 year fixed rate government loan and the second mortgage is utilized to pay the closing costs associated with closing of the first mortgage loan.\r\n\r\n<strong>Second Mortgage:</strong> 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\n<strong>Lenders:</strong> 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 <a href=\"mailto:dsherrill@reiok.org\">dsherrill@reiok.org</a>.\r\n\r\n<strong>Income Limits:</strong> Income limits apply based on household <a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/08/2013-Area-Median-Incomes-Bond-Program-2.pdf\">income</a>. Rural Development standard income limits apply.<strong>\r\n</strong>\r\n\r\n<strong>Credit Score:</strong> Minimum credit score of 640\r\n\r\n<strong>First-Time Homebuyer:</strong> You do not have to be a first-time homebuyer for this program.\r\n\r\n<strong>For Example:</strong> 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.\r\n\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/09/2013-Area-Median-Incomes-Bond-Program.pdf\">2013 Area Median Incomes - Market Rate Program</a>', 'Market Rate Program', '', 'inherit', 'open', 'open', '', '168-revision-v1', '', '', '2013-10-16 14:22:07', '2013-10-16 14:22:07', '', 168, 'http://reidownpayment.org/168-revision-21/', 0, 'revision', '', 0),
(328, 1, '2013-10-16 17:22:31', '2013-10-16 17:22:31', '<strong>REI Market Rate Program</strong> - Closing Cost Assistance for Government Loans\r\n\r\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.\r\n\r\nEligible closing costs for this program include title fees, pre-paid costs, escrows, lender fees, and up front mortgage insurance or guarantee fees.\r\n\r\nPlease review the Program Summary for more detailed information, below are some highlights of the program.\r\n\r\n<strong>Eligible Lenders:</strong> Lenders must be approved as a Mortgage Clearing Corporation (MCC) Correspondent Lender and in good standing. MCC requires that lenders must meet the FHA net worth requirements and be FHA approved to be eligible for MCC Correspondent Lender status. Lenders should contact Chris Jones, MCC at (918)749-2274 or <a href=\"mailto:chrisjones@mortgageclearing.com\">chrisjones@mortgageclearing.com</a> to inquire about becoming a participating lender. If you don\'t meet these requirements, please contact Dena Sherrill at <a href=\"mailto:dsherrill@reiok.org\">dsherrill@reiok.org</a> or Jeremy Layman <a href=\"mailto:jlayman@reiok.org\">jlayman@reiok.org</a>.\r\n\r\n<strong>Program Highlights:</strong>\r\n\r\n<strong>Structure:</strong> This is a first and second mortgage program that are packaged together. The first mortgage loan is a 30 year fixed rate government loan and the second mortgage is utilized to pay the closing costs associated with closing of the first mortgage loan.\r\n\r\n<strong>Second Mortgage:</strong> 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. Second loan proceeds may be used to cover any gap between the FHA-insured first mortgage and the amount necessary to acquire the property, including closing costs, prepaid expenses, and payment of upfront mortgage insurance premiums and/or guarantee fees. Borrower may be reimbursed for their earnest money and prepaid expenses.\r\n\r\n<strong>Interest Rates:</strong> Interest rates are distributed by email daily by MCC.\r\n\r\n<strong>Income Limits:</strong> Income limits apply based on household <a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/09/Income-Worksheet.xls\">Income Worksheet</a> (link to income limits for FHA &amp; HUD 184). Rural Development standard income limits apply.\r\n\r\n<strong>Credit Score:</strong> Minimum credit score of 640\r\n\r\n<strong>CLTV:</strong> Cannot exceed 105%\r\n\r\n<strong>DTI:</strong> Cannot exceed 45%\r\n\r\n<strong>First-Time Homebuyer:</strong> No first-time homebuyer requirement.\r\n\r\nLender Compensation, Fees, and Purchase: Please review the Program Summary for lender compensation, fees, and purchase information.\r\n\r\n<strong>Loan Funding:</strong> Lender will fund the First Mortgage. The second mortgage will be table funded by REI.\r\n\r\n<strong>For Example:</strong> 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.\r\n\r\nForms:\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/08/REIOK-MCC-Program-Summary-Closing-Costs-Only-1.pdf\">REIOK MCC Program Summary Closing Costs Only</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/09/Wire-Request-Form.xlsx\">REI Down Payment Assistance Wire Request Form</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/09/Income-Worksheet.xls\">REI Down Payment Assistance Income Verification Form</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/09/Loan-Registration-Form-1.xls\">Loan Registration Form</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/09/SECOND-LIEN-RIDER.pdf\">Second Lien Rider</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/09/MORTGAGORS-AGREEMENT-DISCLOSURE-FORM.pdf\">Mortgagors Agreement &amp; Disclosure Form</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/08/2013-Area-Median-Incomes-Bond-Program-2.pdf\">2013 Area Median Incomes - Bond Program</a></li>\r\n</ul>', 'REI Market Rate Program', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2013-10-16 17:22:31', '2013-10-16 17:22:31', '', 215, 'http://reidownpayment.org/215-revision-18/', 0, 'revision', '', 0),
(329, 1, '2013-11-13 22:27:26', '2013-11-13 22:27:26', '<strong>REI Market Rate Program</strong> - Closing Cost Assistance for Government Loans\r\n\r\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.\r\n\r\nEligible closing costs for this program include title fees, pre-paid costs, escrows, lender fees, and up front mortgage insurance or guarantee fees.\r\n\r\nPlease review the Program Summary for more detailed information, below are some highlights of the program.\r\n\r\n<strong>Eligible Lenders:</strong> Lenders must be approved as a Mortgage Clearing Corporation (MCC) Correspondent Lender and in good standing. MCC requires that lenders must meet the FHA net worth requirements and be FHA approved to be eligible for MCC Correspondent Lender status. Lenders should contact Chris Jones, MCC at (918)749-2274 or <a href=\"mailto:chrisjones@mortgageclearing.com\">chrisjones@mortgageclearing.com</a> to inquire about becoming a participating lender. If you don\'t meet these requirements, please contact Dena Sherrill at <a href=\"mailto:dsherrill@reiok.org\">dsherrill@reiok.org</a> or Jeremy Layman <a href=\"mailto:jlayman@reiok.org\">jlayman@reiok.org</a>.\r\n\r\n<strong>Program Highlights:</strong>\r\n\r\n<strong>Structure:</strong> This is a first and second mortgage program that are packaged together. The first mortgage loan is a 30 year fixed rate government loan and the second mortgage is utilized to pay the closing costs associated with closing of the first mortgage loan.\r\n\r\n<strong>Second Mortgage:</strong> 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. Second loan proceeds may be used to cover any gap between the FHA-insured first mortgage and the amount necessary to acquire the property, including closing costs, prepaid expenses, and payment of upfront mortgage insurance premiums and/or guarantee fees. Borrower may be reimbursed for their earnest money and prepaid expenses.\r\n\r\n<strong>Interest Rates:</strong> Interest rates are distributed by email daily by MCC.\r\n\r\n<strong>Income Limits:</strong> Income limits apply based on household <a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/09/Income-Worksheet.xls\">Income Worksheet</a> (link to income limits for FHA &amp; HUD 184). Rural Development standard income limits apply.\r\n\r\n<strong>Credit Score:</strong> Minimum credit score of 640\r\n\r\n<strong>CLTV:</strong> Cannot exceed 105%\r\n\r\n<strong>DTI:</strong> Cannot exceed 45%\r\n\r\n<strong>First-Time Homebuyer:</strong> No first-time homebuyer requirement.\r\n\r\nLender Compensation, Fees, and Purchase: Please review the Program Summary for lender compensation, fees, and purchase information.\r\n\r\n<strong>Loan Funding:</strong> Lender will fund the First Mortgage. The second mortgage will be table funded by REI.\r\n\r\n<strong>For Example:</strong> 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.\r\n\r\nForms:\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/08/REIOK-MCC-Program-Summary-Closing-Costs-Only-1.pdf\">REIOK MCC Program Summary Closing Costs Only</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/09/Wire-Request-Form.xlsx\">REI Down Payment Assistance Wire Request Form</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/09/Income-Worksheet.xls\">REI Down Payment Assistance Income Verification Form</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/09/Loan-Registration-Form-1.xls\">Loan Registration Form</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/09/SECOND-LIEN-RIDER.pdf\">Second Lien Rider</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/09/MORTGAGORS-AGREEMENT-DISCLOSURE-FORM.pdf\">Mortgagors Agreement &amp; Disclosure Form</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/08/2013-Area-Median-Incomes-Bond-Program-2.pdf\">2013 Area Median Incomes - Bond Program</a></li>\r\n</ul>', 'REI Market Rate Program', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2013-11-13 22:27:26', '2013-11-13 22:27:26', '', 215, 'http://reidownpayment.org/215-revision-19/', 0, 'revision', '', 0),
(330, 1, '2013-11-13 22:27:54', '2013-11-13 22:27:54', '<strong>REI Market Rate Program</strong> - Closing Cost Assistance for Government Loans\r\n\r\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.\r\n\r\nEligible closing costs for this program include title fees, pre-paid costs, escrows, lender fees, and up front mortgage insurance or guarantee fees.\r\n\r\nPlease review the Program Summary for more detailed information, below are some highlights of the program.\r\n\r\n<strong>Eligible Lenders:</strong> Lenders must be approved as a Mortgage Clearing Corporation (MCC) Correspondent Lender and in good standing. MCC requires that lenders must meet the FHA net worth requirements and be FHA approved to be eligible for MCC Correspondent Lender status. Lenders should contact Chris Jones, MCC at (918)749-2274 or <a href=\"mailto:chrisjones@mortgageclearing.com\">chrisjones@mortgageclearing.com</a> to inquire about becoming a participating lender. If you don\'t meet these requirements, please contact Dena Sherrill at <a href=\"mailto:dsherrill@reiok.org\">dsherrill@reiok.org</a> or Jeremy Layman <a href=\"mailto:jlayman@reiok.org\">jlayman@reiok.org</a>.\r\n\r\n<strong>Program Highlights:</strong>\r\n\r\n<strong>Structure:</strong> This is a first and second mortgage program that are packaged together. The first mortgage loan is a 30 year fixed rate government loan and the second mortgage is utilized to pay the closing costs associated with closing of the first mortgage loan.\r\n\r\n<strong>Second Mortgage:</strong> 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. Second loan proceeds may be used to cover any gap between the FHA-insured first mortgage and the amount necessary to acquire the property, including closing costs, prepaid expenses, and payment of upfront mortgage insurance premiums and/or guarantee fees. Borrower may be reimbursed for their earnest money and prepaid expenses.\r\n\r\n<strong>Interest Rates:</strong> Interest rates are distributed by email daily by MCC.\r\n\r\n<strong>Income Limits:</strong> Income limits apply based on household <a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/09/Income-Worksheet.xls\">Income Worksheet</a> (link to income limits for FHA &amp; HUD 184). Rural Development standard income limits apply.\r\n\r\n<strong>Credit Score:</strong> Minimum credit score of 640\r\n\r\n<strong>CLTV:</strong> Cannot exceed 105%\r\n\r\n<strong>DTI:</strong> Cannot exceed 45%\r\n\r\n<strong>First-Time Homebuyer:</strong> No first-time homebuyer requirement.\r\n\r\nLender Compensation, Fees, and Purchase: Please review the Program Summary for lender compensation, fees, and purchase information.\r\n\r\n<strong>Loan Funding:</strong> Lender will fund the First Mortgage. The second mortgage will be table funded by REI.\r\n\r\n<strong>For Example:</strong> 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.\r\n\r\nForms:\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/08/REIOK-MCC-Program-Summary-Closing-Costs-Only-1.pdf\">REIOK MCC Program Summary Closing Costs Only</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/09/Wire-Request-Form.xlsx\">REI Down Payment Assistance Wire Request Form</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/09/Income-Worksheet.xls\">REI Down Payment Assistance Income Verification Form</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/09/Loan-Registration-Form-1.xls\">Loan Registration Form</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/09/SECOND-LIEN-RIDER.pdf\">Second Lien Rider</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/09/MORTGAGORS-AGREEMENT-DISCLOSURE-FORM.pdf\">Mortgagors Agreement &amp; Disclosure Form</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/08/2013-Area-Median-Incomes-Bond-Program-2.pdf\">2013 Area Median Incomes - Bond Program</a></li>\r\n</ul>', 'REI Market Rate Program', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2013-11-13 22:27:54', '2013-11-13 22:27:54', '', 215, 'http://reidownpayment.org/215-revision-20/', 0, 'revision', '', 0),
(331, 1, '2013-11-13 22:30:01', '2013-11-13 22:30:01', '', 'Home100 Government FAQ', '', 'publish', 'open', 'closed', '', 'new-program-coming-soon-2', '', '', '2020-05-11 21:57:12', '2020-05-11 21:57:12', '', 0, 'http://reidownpayment.org/?p=331', 8, 'nav_menu_item', '', 0),
(333, 1, '2013-10-16 14:24:57', '2013-10-16 14:24:57', '<strong>REI CHOICE100</strong> - Down Payment and Closing Cost Assistance - Fannie Mae My Community Mortgage Loans\r\n\r\nThe REI Choice100 program is just that, it provides you with numerous choices and types of assistance. The program is utilized with Fannie Mae\'s 95% My Community Mortgage loan. We have structured the program to provide you with a second mortgage of 5% along with the \"choice\" to pay a higher interest rate and receive 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\n<strong>Program Highlights:</strong>\r\n\r\n<strong>Structure:</strong> This is a first and second mortgage program that are packaged together. The first mortgage loan is a 30 year fixed rate 95% My Community Mortgage and the second mortgage is utilized to pay the down payment, closing or mortgage insurance premiums associated with the first mortgage.\r\n\r\n<strong>Second Mortgage:</strong> The second mortgage is sized at 5% of the total first mortgage loan amount. The second mortgage is a 20 year fixed rate mortgage with an interest rate of 6.00%. There is no pre-payment penalties on the second mortgage. Borrower may be reimbursed for their earnest money and prepaid expenses.\r\n\r\n<strong>Lenders:</strong> You may use the lender of your choice, if they are approved for the REI Choice100 program. Many lenders throughout the state are approved. If you are using a lender that is not familiar with the program or is not approved, please have them contact Dena Sherrill, REI Down Payment Assistance Manager at 800-658-2823 or <a href=\"mailto:dsherrill@reiok.org\">dsherrill@reiok.org</a>.\r\n\r\n<strong>Income Limits:</strong> Income limits apply based on qualifying <a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/09/2013-Area-Median-Incomes-Choice-100-Program.pdf\">income</a>.\r\n\r\n<strong>Credit Score:</strong> Minimum credit score of 680.\r\n\r\n<strong>Mortgage Insurance:</strong> Required coverage amount is lower than normal My Community Mortgage loans.\r\n\r\n<strong>First Time Homebuyer:</strong> You do not have to be a first-time homebuyer for this program.\r\n\r\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.\r\n\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/09/2013-Area-Median-Incomes-Choice-100-Program.pdf\">2013 Area Median Incomes - Choice 100 Program</a>', 'Choice 100', '', 'inherit', 'open', 'open', '', '171-revision-v1', '', '', '2013-10-16 14:24:57', '2013-10-16 14:24:57', '', 171, 'http://reidownpayment.org/171-revision-25/', 0, 'revision', '', 0);
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(334, 1, '2013-11-20 17:22:17', '2013-11-20 17:22:17', '<strong>REI CHOICE100 PROGRAM</strong> - Down Payment and Closing Cost Assistance - Fannie Mae My Community Mortgage Loans\r\n\r\nThe REI Choice100 program is just that, it provides you with numerous choices and types of assistance. The program is utilized with Fannie Mae\'s 95% My Community Mortgage loan. We have structured the program to provide you with a second mortgage of 5% along with the \"choice\" to pay a higher interest rate and receive 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\n<strong>Program Highlights:</strong>\r\n\r\n<strong>Structure:</strong> This is a first and second mortgage program that are packaged together. The first mortgage loan is a 30 year fixed rate 95% My Community Mortgage and the second mortgage is utilized to pay the down payment, closing or mortgage insurance premiums associated with the first mortgage.\r\n\r\n<strong>Second Mortgage:</strong> The second mortgage is sized at 5% of the total first mortgage loan amount. The second mortgage is a 20 year fixed rate mortgage with an interest rate of 6.00%. There is no pre-payment penalties on the second mortgage. Borrower may be reimbursed for their earnest money and prepaid expenses.\r\n\r\n<strong>Lenders:</strong> You may use the lender of your choice, if they are approved for the REI Choice100 program. Many lenders throughout the state are approved. If you are using a lender that is not familiar with the program or is not approved, please have them contact Dena Sherrill, REI Down Payment Assistance Manager at 800-658-2823 or <a href=\"mailto:dsherrill@reiok.org\">dsherrill@reiok.org</a>.\r\n\r\n<strong>Income Limits:</strong> Income limits apply based on qualifying <a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/09/2013-Area-Median-Incomes-Choice-100-Program.pdf\">income</a>.\r\n\r\n<strong>Credit Score:</strong> Minimum credit score of 680.\r\n\r\n<strong>Mortgage Insurance:</strong> Required coverage amount is lower than normal My Community Mortgage loans.\r\n\r\n<strong>First Time Homebuyer:</strong> You do not have to be a first-time homebuyer for this program.\r\n\r\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.\r\n\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/09/2013-Area-Median-Incomes-Choice-100-Program.pdf\">2013 Area Median Incomes - Choice 100 Program</a>', 'Choice 100', '', 'inherit', 'open', 'open', '', '171-revision-v1', '', '', '2013-11-20 17:22:17', '2013-11-20 17:22:17', '', 171, 'http://reidownpayment.org/171-revision-26/', 0, 'revision', '', 0),
(337, 2, '2020-03-04 15:05:36', '2020-03-04 15:05:36', '<div lang=\"EN-US\">\n<p style=\"text-align: left;\">The REI Gift100 program provides first mortgage financing and down payment/closing cost assistance to eligible borrowers in the state of Oklahoma.  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.  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>\n<p style=\"text-align: left;\">REI works with lender’s across the state to provide down payment assistance of 3.5% or 4% 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>\n\n</div>\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>\n<noscript>Please enable JavaScript\n</noscript>\n<!-- END: Benchmark Email Signup Form Code -->', 'Home Buyers', '', 'inherit', 'open', 'open', '', '6-autosave-v1', '', '', '2020-03-04 15:05:36', '2020-03-04 15:05:36', '', 6, 'http://reidownpayment.org/wp/6-autosave-v1/', 0, 'revision', '', 0),
(338, 2, '2013-11-26 20:37:40', '2013-11-26 20:37:40', '<div lang=\"EN-US\">\r\n\r\nREI Down Payment Assistance provides closing cost assistance to eligible borrowers through partnerships with lenders across the state. 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\n<strong><a title=\"Choice100 Program\" href=\"http://reidownpayment.org/home-buyers/choice-100/\">REI CHOICE100</a></strong>\r\n<strong>Down Payment and Closing Cost Assistance - Fannie Mae My Community Mortgage Loans</strong>\r\n\r\nThe REI Choice100 program is just that, it provides you with numerous choices and types of assistance. 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\n</div>', 'Home Buyers', '', 'inherit', 'open', 'open', '', '6-revision-v1', '', '', '2013-11-26 20:37:40', '2013-11-26 20:37:40', '', 6, 'http://reidownpayment.org/wp/6-revision-v1/', 0, 'revision', '', 0),
(339, 2, '2020-05-11 22:03:03', '2020-05-11 22:03:03', '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.\n\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.\n\n<strong>REI Home100 Government Loan Program FAQ </strong><a href=\"http://reidownpayment.org/lenders/gift100-2/\">(click for more info)</a>\n\n<strong>REI Home100 Conventional Loan Program FAQ </strong><a href=\"http://reidownpayment.org/lenders/conventional-program/\">(click for more info)</a>\n\n<strong>US Bank Lender Information </strong><a href=\"http://reidownpayment.org/lenders/conventional-program/\">(click for more info)</a>\n\n&nbsp;\n\n&nbsp;\n\n&nbsp;', 'Lenders', '', 'inherit', 'open', 'open', '', '7-autosave-v1', '', '', '2020-05-11 22:03:03', '2020-05-11 22:03:03', '', 7, 'http://reidownpayment.org/wp/7-autosave-v1/', 0, 'revision', '', 0),
(340, 2, '2013-11-26 20:39:07', '2013-11-26 20:39:07', '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 REI CHOICE100, a versatile option that allows you and your lender to structure the mortgage loan to fit your individual closing cost and down payment requirements.\r\n\r\n<strong><a title=\"Choice100 Program\" href=\"http://reidownpayment.org/lenders/choice100-program/\">REI CHOICE100</a></strong>\r\n<strong>Down Payment and Closing Cost Assistance - Fannie Mae My Community Mortgage Loans</strong>\r\n\r\nThe REI Choice100 program is just that, it provides you with numerous choices and types of assistance for your borrowers. The program is utilized with Fannie Mae\'s 95% My Community Mortgage loan. We have structured the program to provide the borrower with a second mortgage of 5% along with the \"choice\" to pay a higher interest rate and receive 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.\r\n\r\nThis program can also be used for a rate/term refinance of existing loans. Any loan that is refinanced must prove a demonstrable benefit to the borrower (i.e. lower payments, term, or interest rates). Cash out refinances are not eligible.', 'Lenders', '', 'inherit', 'open', 'open', '', '7-revision-v1', '', '', '2013-11-26 20:39:07', '2013-11-26 20:39:07', '', 7, 'http://reidownpayment.org/wp/7-revision-v1/', 0, 'revision', '', 0),
(341, 2, '2013-11-26 21:03:54', '2013-11-26 21:03:54', '', 'dena mug', '', 'inherit', 'open', 'open', '', 'dena-mug', '', '', '2013-11-26 21:03:54', '2013-11-26 21:03:54', '', 0, 'http://reidownpayment.org/wp/wp-content/uploads/2013/11/dena-mug.jpg', 0, 'attachment', 'image/jpeg', 0),
(342, 2, '2013-09-16 14:18:59', '2013-09-16 14:18:59', '<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\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/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\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/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\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/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>', 'Staff', '', 'inherit', 'open', 'open', '', '9-revision-v1', '', '', '2013-09-16 14:18:59', '2013-09-16 14:18:59', '', 9, 'http://reidownpayment.org/wp/9-revision-v1/', 0, 'revision', '', 0),
(343, 2, '2013-11-26 21:04:15', '2013-11-26 21:04:15', '<h3></h3>\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/11/dena-mug.jpg\"><img class=\"size-full wp-image-45 alignleft\" style=\"margin-top: 0;\" alt=\"dena\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/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\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/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\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/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\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/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>', 'Staff', '', 'inherit', 'open', 'open', '', '9-revision-v1', '', '', '2013-11-26 21:04:15', '2013-11-26 21:04:15', '', 9, 'http://reidownpayment.org/wp/9-revision-v1/', 0, 'revision', '', 0),
(344, 2, '2013-11-26 21:05:04', '2013-11-26 21:05:04', '<h3></h3>\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/11/dena-mug.jpg\"><img class=\"size-full wp-image-45 alignleft\" style=\"margin-top: 0;\" alt=\"dena\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/11/dena-mug.jpg\" width=\"258\" height=\"260\" /></a>\r\n<h3></h3>\r\n<h3>Dena Sherrill</h3>\r\nHousing Manager\r\n<a href=\"mailto:dsherrill@reiok.org\">dsherrill@reiok.org</a>\r\n\r\n&nbsp;\r\n\r\n&nbsp;\r\n<div class=\"clearfix\"></div>\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/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\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/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\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/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>', 'Staff', '', 'inherit', 'open', 'open', '', '9-revision-v1', '', '', '2013-11-26 21:05:04', '2013-11-26 21:05:04', '', 9, 'http://reidownpayment.org/wp/9-revision-v1/', 0, 'revision', '', 0),
(345, 2, '2013-11-26 21:05:18', '2013-11-26 21:05:18', '', 'Jeremy mug', '', 'inherit', 'open', 'open', '', 'jeremy-mug', '', '', '2013-11-26 21:05:18', '2013-11-26 21:05:18', '', 0, 'http://reidownpayment.org/wp/wp-content/uploads/2013/11/Jeremy-mug.jpg', 0, 'attachment', 'image/jpeg', 0),
(346, 2, '2013-11-26 21:05:39', '2013-11-26 21:05:39', '<h3></h3>\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/11/dena-mug.jpg\"><img class=\"size-full wp-image-45 alignleft\" style=\"margin-top: 0;\" alt=\"dena\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/11/dena-mug.jpg\" width=\"258\" height=\"260\" /></a>\r\n<h3></h3>\r\n<h3>Dena Sherrill</h3>\r\nHousing Manager\r\n<a href=\"mailto:dsherrill@reiok.org\">dsherrill@reiok.org</a>\r\n\r\n&nbsp;\r\n\r\n&nbsp;\r\n<div class=\"clearfix\"></div>\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/11/Jeremy-mug.jpg\"><img class=\"size-medium wp-image-46 alignleft\" style=\"margin-top: 40px;\" alt=\"staff-2\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/11/Jeremy-mug.jpg\" width=\"258\" height=\"260\" /></a>\r\n<h3>Jeremy Layman</h3>\r\nHousing Specialist\r\n<a href=\"mailto:jlaylayman@reiok.org\">jlaylayman@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/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\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/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>', 'Staff', '', 'inherit', 'open', 'open', '', '9-revision-v1', '', '', '2013-11-26 21:05:39', '2013-11-26 21:05:39', '', 9, 'http://reidownpayment.org/wp/9-revision-v1/', 0, 'revision', '', 0),
(347, 2, '2013-11-26 21:05:54', '2013-11-26 21:05:54', '', 'linda mug', '', 'inherit', 'open', 'open', '', 'linda-mug', '', '', '2013-11-26 21:05:54', '2013-11-26 21:05:54', '', 0, 'http://reidownpayment.org/wp/wp-content/uploads/2013/11/linda-mug.jpg', 0, 'attachment', 'image/jpeg', 0),
(348, 2, '2013-11-26 21:06:19', '2013-11-26 21:06:19', '<h3></h3>\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/11/dena-mug.jpg\"><img class=\"size-full wp-image-45 alignleft\" style=\"margin-top: 0;\" alt=\"dena\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/11/dena-mug.jpg\" width=\"258\" height=\"260\" /></a>\r\n<h3></h3>\r\n<h3>Dena Sherrill</h3>\r\nHousing Manager\r\n<a href=\"mailto:dsherrill@reiok.org\">dsherrill@reiok.org</a>\r\n\r\n&nbsp;\r\n\r\n&nbsp;\r\n<div class=\"clearfix\"></div>\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/11/Jeremy-mug.jpg\"><img class=\"size-medium wp-image-46 alignleft\" style=\"margin-top: 40px;\" alt=\"staff-2\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/11/Jeremy-mug.jpg\" width=\"258\" height=\"260\" /></a>\r\n<h3>Jeremy Layman</h3>\r\nHousing Specialist\r\n<a href=\"mailto:jlaylayman@reiok.org\">jlaylayman@reiok.org</a>\r\n\r\n&nbsp;\r\n\r\n\r\n&nbsp;\r\n\r\n&nbsp;\r\n<div class=\"clearfix\"></div>\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/11/linda-mug.jpg\"><img class=\"size-full wp-image-47 alignleft\" style=\"margin-top: 40px;\" alt=\"staff-3\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/11/linda-mug.jpg\" width=\"258\" height=\"261\" /></a>\r\n<h3>Linda Davis</h3>\r\nHousing Coordinator\r\n<a href=\"mailto:ldavis@reiok.org\">ldavis@reiok.org</a>\r\n\r\n&nbsp;\r\n\r\n&nbsp;\r\n\r\n&nbsp;\r\n\r\n&nbsp;\r\n<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>', 'Staff', '', 'inherit', 'open', 'open', '', '9-revision-v1', '', '', '2013-11-26 21:06:19', '2013-11-26 21:06:19', '', 9, 'http://reidownpayment.org/wp/9-revision-v1/', 0, 'revision', '', 0),
(349, 2, '2013-11-26 21:06:33', '2013-11-26 21:06:33', '<h3></h3>\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/11/dena-mug.jpg\"><img class=\"size-full wp-image-45 alignleft\" style=\"margin-top: 0;\" alt=\"dena\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/11/dena-mug.jpg\" width=\"258\" height=\"260\" /></a>\r\n<h3></h3>\r\n<h3>Dena Sherrill</h3>\r\nHousing Manager\r\n<a href=\"mailto:dsherrill@reiok.org\">dsherrill@reiok.org</a>\r\n\r\n&nbsp;\r\n\r\n&nbsp;\r\n<div class=\"clearfix\"></div>\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/11/Jeremy-mug.jpg\"><img class=\"size-medium wp-image-46 alignleft\" style=\"margin-top: 40px;\" alt=\"staff-2\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/11/Jeremy-mug.jpg\" width=\"258\" height=\"260\" /></a>\r\n<h3>Jeremy Layman</h3>\r\nHousing Specialist\r\n<a href=\"mailto:jlaylayman@reiok.org\">jlaylayman@reiok.org</a>\r\n\r\n\r\n&nbsp;\r\n\r\n&nbsp;\r\n<div class=\"clearfix\"></div>\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/11/linda-mug.jpg\"><img class=\"size-full wp-image-47 alignleft\" style=\"margin-top: 40px;\" alt=\"staff-3\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/11/linda-mug.jpg\" width=\"258\" height=\"261\" /></a>\r\n<h3>Linda Davis</h3>\r\nHousing Coordinator\r\n<a href=\"mailto:ldavis@reiok.org\">ldavis@reiok.org</a>\r\n\r\n&nbsp;\r\n\r\n&nbsp;\r\n\r\n&nbsp;\r\n\r\n&nbsp;\r\n<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>', 'Staff', '', 'inherit', 'open', 'open', '', '9-revision-v1', '', '', '2013-11-26 21:06:33', '2013-11-26 21:06:33', '', 9, 'http://reidownpayment.org/wp/9-revision-v1/', 0, 'revision', '', 0),
(350, 2, '2013-11-26 21:06:50', '2013-11-26 21:06:50', '', 'keith mug', '', 'inherit', 'open', 'open', '', 'keith-mug', '', '', '2013-11-26 21:06:50', '2013-11-26 21:06:50', '', 0, 'http://reidownpayment.org/wp/wp-content/uploads/2013/11/keith-mug.jpg', 0, 'attachment', 'image/jpeg', 0),
(351, 2, '2013-11-26 21:07:22', '2013-11-26 21:07:22', '', 'keith mug', '', 'inherit', 'open', 'open', '', 'keith-mug-2', '', '', '2013-11-26 21:07:22', '2013-11-26 21:07:22', '', 0, 'http://reidownpayment.org/wp/wp-content/uploads/2013/11/keith-mug1.jpg', 0, 'attachment', 'image/jpeg', 0),
(352, 2, '2013-11-26 21:07:45', '2013-11-26 21:07:45', '<h3></h3>\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/11/dena-mug.jpg\"><img class=\"size-full wp-image-45 alignleft\" style=\"margin-top: 0;\" alt=\"dena\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/11/dena-mug.jpg\" width=\"258\" height=\"260\" /></a>\r\n<h3></h3>\r\n<h3>Dena Sherrill</h3>\r\nHousing Manager\r\n<a href=\"mailto:dsherrill@reiok.org\">dsherrill@reiok.org</a>\r\n\r\n&nbsp;\r\n\r\n&nbsp;\r\n<div class=\"clearfix\"></div>\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/11/Jeremy-mug.jpg\"><img class=\"size-medium wp-image-46 alignleft\" style=\"margin-top: 40px;\" alt=\"staff-2\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/11/Jeremy-mug.jpg\" width=\"258\" height=\"260\" /></a>\r\n<h3>Jeremy Layman</h3>\r\nHousing Specialist\r\n<a href=\"mailto:jlaylayman@reiok.org\">jlaylayman@reiok.org</a>\r\n\r\n\r\n&nbsp;\r\n\r\n&nbsp;\r\n<div class=\"clearfix\"></div>\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/11/linda-mug.jpg\"><img class=\"size-full wp-image-47 alignleft\" style=\"margin-top: 40px;\" alt=\"staff-3\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/11/linda-mug.jpg\" width=\"258\" height=\"261\" /></a>\r\n<h3>Linda Davis</h3>\r\nHousing Coordinator\r\n<a href=\"mailto:ldavis@reiok.org\">ldavis@reiok.org</a>\r\n\r\n&nbsp;\r\n\r\n&nbsp;\r\n<div class=\"clearfix\"></div>\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/11/keith-mug1.jpg\"><img class=\"size-full wp-image-48 alignleft\" style=\"margin-top: 40px;\" alt=\"staff-4\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/11/keith-mug1.jpg\" width=\"258\" height=\"262\" /></a>\r\n<h3>Keith Malott</h3>\r\nHousing Servicing Specialist\r\n<a href=\"mailto:kmalott@reiok.org\">kmalott@reiok.org</a>', 'Staff', '', 'inherit', 'open', 'open', '', '9-revision-v1', '', '', '2013-11-26 21:07:45', '2013-11-26 21:07:45', '', 9, 'http://reidownpayment.org/wp/9-revision-v1/', 0, 'revision', '', 0),
(353, 2, '2013-11-26 21:08:21', '2013-11-26 21:08:21', '<h3></h3>\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/11/dena-mug.jpg\"><img class=\"size-full wp-image-45 alignleft\" style=\"margin-top: 0;\" alt=\"dena\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/11/dena-mug.jpg\" width=\"258\" height=\"260\" /></a>\r\n<h3></h3>\r\n<h3>Dena Sherrill</h3>\r\nHousing Manager\r\n<a href=\"mailto:dsherrill@reiok.org\">dsherrill@reiok.org</a>\r\n\r\n&nbsp;\r\n\r\n&nbsp;\r\n<div class=\"clearfix\"></div>\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/11/Jeremy-mug.jpg\"><img class=\"size-medium wp-image-46 alignleft\" style=\"margin-top: 40px;\" alt=\"staff-2\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/11/Jeremy-mug.jpg\" width=\"258\" height=\"260\" /></a>\r\n<h3>Jeremy Layman</h3>\r\nHousing Specialist\r\n<a href=\"mailto:jlaylayman@reiok.org\">jlayman@reiok.org</a>\r\n\r\n\r\n&nbsp;\r\n\r\n&nbsp;\r\n<div class=\"clearfix\"></div>\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/11/linda-mug.jpg\"><img class=\"size-full wp-image-47 alignleft\" style=\"margin-top: 40px;\" alt=\"staff-3\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/11/linda-mug.jpg\" width=\"258\" height=\"261\" /></a>\r\n<h3>Linda Davis</h3>\r\nHousing Coordinator\r\n<a href=\"mailto:ldavis@reiok.org\">ldavis@reiok.org</a>\r\n\r\n&nbsp;\r\n\r\n&nbsp;\r\n<div class=\"clearfix\"></div>\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/11/keith-mug1.jpg\"><img class=\"size-full wp-image-48 alignleft\" style=\"margin-top: 40px;\" alt=\"staff-4\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/11/keith-mug1.jpg\" width=\"258\" height=\"262\" /></a>\r\n<h3>Keith Malott</h3>\r\nHousing Servicing Specialist\r\n<a href=\"mailto:kmalott@reiok.org\">kmalott@reiok.org</a>', 'Staff', '', 'inherit', 'open', 'open', '', '9-revision-v1', '', '', '2013-11-26 21:08:21', '2013-11-26 21:08:21', '', 9, 'http://reidownpayment.org/wp/9-revision-v1/', 0, 'revision', '', 0),
(354, 2, '2013-11-26 21:08:25', '2013-11-26 21:08:25', '<h3></h3>\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/11/dena-mug.jpg\"><img class=\"size-full wp-image-45 alignleft\" style=\"margin-top: 0;\" alt=\"dena\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/11/dena-mug.jpg\" width=\"258\" height=\"260\" /></a>\r\n<h3></h3>\r\n<h3>Dena Sherrill</h3>\r\nHousing Manager\r\n<a href=\"mailto:dsherrill@reiok.org\">dsherrill@reiok.org</a>\r\n\r\n&nbsp;\r\n\r\n&nbsp;\r\n<div class=\"clearfix\"></div>\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/11/Jeremy-mug.jpg\"><img class=\"size-medium wp-image-46 alignleft\" style=\"margin-top: 40px;\" alt=\"staff-2\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/11/Jeremy-mug.jpg\" width=\"258\" height=\"260\" /></a>\r\n<h3>Jeremy Layman</h3>\r\nHousing Specialist\r\n<a href=\"mailto:jlayman@reiok.org\">jlayman@reiok.org</a>\r\n\r\n\r\n&nbsp;\r\n\r\n&nbsp;\r\n<div class=\"clearfix\"></div>\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/11/linda-mug.jpg\"><img class=\"size-full wp-image-47 alignleft\" style=\"margin-top: 40px;\" alt=\"staff-3\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/11/linda-mug.jpg\" width=\"258\" height=\"261\" /></a>\r\n<h3>Linda Davis</h3>\r\nHousing Coordinator\r\n<a href=\"mailto:ldavis@reiok.org\">ldavis@reiok.org</a>\r\n\r\n&nbsp;\r\n\r\n&nbsp;\r\n<div class=\"clearfix\"></div>\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/11/keith-mug1.jpg\"><img class=\"size-full wp-image-48 alignleft\" style=\"margin-top: 40px;\" alt=\"staff-4\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/11/keith-mug1.jpg\" width=\"258\" height=\"262\" /></a>\r\n<h3>Keith Malott</h3>\r\nHousing Servicing Specialist\r\n<a href=\"mailto:kmalott@reiok.org\">kmalott@reiok.org</a>', 'Staff', '', 'inherit', 'open', 'open', '', '9-revision-v1', '', '', '2013-11-26 21:08:25', '2013-11-26 21:08:25', '', 9, 'http://reidownpayment.org/wp/9-revision-v1/', 0, 'revision', '', 0),
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(358, 2, '2013-10-16 16:16:29', '2013-10-16 16:16:29', '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.', 'Home... Where Life Begins', '', 'inherit', 'open', 'open', '', '22-revision-v1', '', '', '2013-10-16 16:16:29', '2013-10-16 16:16:29', '', 22, 'http://reidownpayment.org/wp/22-revision-v1/', 0, 'revision', '', 0),
(359, 2, '2013-11-26 21:27:47', '2013-11-26 21:27:47', 'Home is a place of comfort, refuge and rest. These feelings are amplified when you own your home, that is why homeownership is called \"The American Dream\". Many people do not believe that they are eligible to purchase a home. REI Down Payment Assistance has down payment and/or closing cost assistance programs, which could be the key to you becoming a homeowner.\r\n\r\nREI Down Payment Assistance has helped more than 3,000 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.', 'Home... Where Life Begins', '', 'inherit', 'open', 'open', '', '22-revision-v1', '', '', '2013-11-26 21:27:47', '2013-11-26 21:27:47', '', 22, 'http://reidownpayment.org/wp/22-revision-v1/', 0, 'revision', '', 0),
(360, 2, '2013-11-26 21:28:40', '2013-11-26 21:28:40', 'Home is a place of comfort, refuge and rest. These feelings are amplified when you own your home, that is why homeownership is called \"The American Dream\". Many people do not believe that they are eligible to purchase a home. REI Down Payment Assistance has down payment and/or closing cost assistance programs, which could be the key to you becoming a homeowner.\r\n\r\nREI Down Payment Assistance has helped more than 3,000 families achieve homeownership through our partnerships with mortgage lenders. These programs give mortgage lenders more tools in their tool belt to help eligible borrowers purchase the home of their dreams.\r\n\r\nHome...Where Life Begins! Let us help, whether you are a potential homebuyer or lender, click the appropriate links above to learn more.', 'Home... Where Life Begins', '', 'inherit', 'open', 'open', '', '22-revision-v1', '', '', '2013-11-26 21:28:40', '2013-11-26 21:28:40', '', 22, 'http://reidownpayment.org/wp/22-revision-v1/', 0, 'revision', '', 0),
(361, 2, '2013-11-26 21:28:59', '2013-11-26 21:28:59', 'Home is a place of comfort, refuge and rest. These feelings are amplified when you own your home, that is why homeownership is called \"The American Dream\".  Many people do not believe that they are eligible to purchase a home. REI Down Payment Assistance has down payment and/or closing cost assistance programs, which could be the key to you becoming a homeowner.\r\n\r\nREI Down Payment Assistance has helped more than 3,000 families achieve homeownership through our partnerships with mortgage lenders. These programs give mortgage lenders more tools in their tool belt to help eligible borrowers purchase the home of their dreams.\r\n\r\nHome...Where Life Begins! Let us help, whether you are a potential homebuyer or lender, click the appropriate links above to learn more.', 'Home... Where Life Begins', '', 'inherit', 'open', 'open', '', '22-revision-v1', '', '', '2013-11-26 21:28:59', '2013-11-26 21:28:59', '', 22, 'http://reidownpayment.org/wp/22-revision-v1/', 0, 'revision', '', 0),
(362, 2, '2013-11-26 21:30:25', '2013-11-26 21:30:25', '<div lang=\"EN-US\">\r\n\r\nREI Down Payment Assistance provides closing cost assistance to eligible borrowers through partnerships with lenders across the state. The programs are developed for people who have good jobs and the ability to re-pay a loan, but have not been able to save for the down payment or closing costs on a home.\r\n\r\n<strong><a title=\"Choice100 Program\" href=\"http://reidownpayment.org/home-buyers/choice-100/\">REI CHOICE100</a></strong>\r\n<strong>Down Payment and Closing Cost Assistance - Fannie Mae My Community Mortgage Loans</strong>\r\n\r\nThe REI Choice100 program is just that, it provides you with numerous choices and types of assistance. 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\n</div>', 'Home Buyers', '', 'inherit', 'open', 'open', '', '6-revision-v1', '', '', '2013-11-26 21:30:25', '2013-11-26 21:30:25', '', 6, 'http://reidownpayment.org/wp/6-revision-v1/', 0, 'revision', '', 0),
(363, 2, '2013-11-26 21:30:48', '2013-11-26 21:30:48', '<div lang=\"EN-US\">\r\n\r\nREI Down Payment Assistance provides closing cost assistance to eligible borrowers through partnerships with lenders across the state. The programs are developed for people who have good jobs and the ability to re-pay a loan, but have not been able to save for the down payment or closing costs on a home.\r\n\r\n<strong><a title=\"Choice100 Program\" href=\"http://reidownpayment.org/home-buyers/choice-100/\">REI CHOICE100 </a></strong><a title=\"Choice100 Program\" href=\"http://reidownpayment.org/home-buyers/choice-100/\">(click for more info)</a>\r\n<strong>Down Payment and Closing Cost Assistance - Fannie Mae My Community Mortgage Loans</strong>\r\n\r\nThe REI Choice100 program is just that, it provides you with numerous choices and types of assistance. 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\n</div>', 'Home Buyers', '', 'inherit', 'open', 'open', '', '6-revision-v1', '', '', '2013-11-26 21:30:48', '2013-11-26 21:30:48', '', 6, 'http://reidownpayment.org/wp/6-revision-v1/', 0, 'revision', '', 0),
(364, 2, '2013-11-26 21:31:40', '2013-11-26 21:31:40', '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 REI CHOICE100, a versatile option that allows you and your lender to structure the mortgage loan to fit your individual closing cost and down payment requirements.\r\n\r\n<strong><a title=\"Choice100 Program\" href=\"http://reidownpayment.org/lenders/choice100-program/\">REI CHOICE100 </a></strong><a title=\"Choice100 Program\" href=\"http://reidownpayment.org/lenders/choice100-program/\">(click for more info)</a>\r\n<strong>Down Payment and Closing Cost Assistance - Fannie Mae My Community Mortgage Loans</strong>\r\n\r\nThe REI Choice100 program is just that, it provides you with numerous choices and types of assistance for your borrowers. The program is utilized with Fannie Mae\'s 95% My Community Mortgage loan. We have structured the program to provide the borrower with a second mortgage of 5% along with the \"choice\" to pay a higher interest rate and receive 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.\r\n\r\nThis program can also be used for a rate/term refinance of existing loans. Any loan that is refinanced must prove a demonstrable benefit to the borrower (i.e. lower payments, term, or interest rates). Cash out refinances are not eligible.', 'Lenders', '', 'inherit', 'open', 'open', '', '7-revision-v1', '', '', '2013-11-26 21:31:40', '2013-11-26 21:31:40', '', 7, 'http://reidownpayment.org/wp/7-revision-v1/', 0, 'revision', '', 0),
(365, 2, '2013-11-26 21:32:56', '2013-11-26 21:32:56', '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 REI CHOICE100, a versatile option that allows you and your lender to structure the mortgage loan to fit your individual closing cost and down payment requirements.\r\n\r\n<strong><a title=\"Choice100 Program\" href=\"http://reidownpayment.org/lenders/choice100-program/\">REI CHOICE100 </a></strong><a title=\"Choice100 Program\" href=\"http://reidownpayment.org/lenders/choice100-program/\">(click for more info)</a>\r\n<strong>Down Payment and Closing Cost Assistance - Fannie Mae My Community Mortgage Loans</strong>\r\n\r\nThe REI Choice100 program is just that, it provides you with numerous choices and types of assistance for your borrowers. The program is utilized with Fannie Mae\'s 95% My Community Mortgage loan. We have structured the program to provide the borrower with a second mortgage of 5% along with the choice to pay a higher interest rate and receive 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.\r\n\r\nThis program can also be used for a rate/term refinance of existing loans. Any loan that is refinanced must prove a demonstrable benefit to the borrower (i.e. lower payments, term, or interest rates). Cash out refinances are not eligible.', 'Lenders', '', 'inherit', 'open', 'open', '', '7-revision-v1', '', '', '2013-11-26 21:32:56', '2013-11-26 21:32:56', '', 7, 'http://reidownpayment.org/wp/7-revision-v1/', 0, 'revision', '', 0),
(366, 2, '2013-10-15 18:17:14', '2013-10-15 18:17:14', 'Down Payment and Closing Cost Assistance - Fannie Mae My Community Mortgage Loans\r\n\r\nThe REI Choice100 program is just that, it provides you with numerous choices and types of assistance for your borrowers. The program is utilized with Fannie Mae\'s 95% My Community Mortgage loan. We have structured the program to provide the borrower with a second mortgage of 5% along with the \"choice\" to pay a higher interest rate and receive 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.\r\n\r\nThis program can also be used for a rate/term refinance of existing loans. Any loan that is refinanced must prove a demonstrable benefit to the borrower (i.e. lower payments, term, or interest rates). Cash out refinances are not eligible.\r\n\r\nPlease review Program Guidelines for more detailed information, below are some highlights of the program.\r\n\r\n<strong>Eligible Lenders:</strong> Lenders must be approved as a 360 Mortgage Delegated Correspondent Lender and in good standing. 360 Mortgage requires that Lenders meet a minimum net worth requirement of $2.5 million to be eligible to sell this Program. Lenders should contact Priscilla Bohot at (512)418-6094 or <a href=\"mailto:pbohot@360mortgage.com\">pbohot@360mortgage.com</a> to inquire about becoming a participating lender. If you do not meet this requirement, please contact Dena Sherrill at <a href=\"mailto:dsherrill@reiok.org\">dsherrill@reiok.org</a> or Jeremy Layman at <a href=\"mailto:jlayman@reiok.org\">jlayman@reiok.org</a>.\r\n\r\n<strong>Program Highlights:</strong>\r\n\r\n<strong>Structure:</strong> This is a first and second mortgage program that are packaged together. The first mortgage loan is a 30 year fixed rate 95% My Community Mortgage and the second mortgage is utilized to pay the down payment, closing or mortgage insurance premiums associated with the first mortgage.\r\n\r\n<strong>Second Mortgage:</strong> The second mortgage is sized at 5% of the total first mortgage loan amount. The second mortgage is a 20 year fixed rate mortgage with an interest rate of 6.00%. There is no pre-payment penalties on the second mortgage. Borrower may be reimbursed for their earnest money and prepaid expenses.\r\n\r\n<strong>Interest rates:</strong> Multiple choices of Mortgage Loan Rates will be posted daily by 360 Mortgage. Rates are subject to change and confirmation by 360 Mortgage.\r\n\r\n<strong>Income Limits:</strong> Income limits apply based on qualifying <a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/09/Income-Worksheet.xls\">Income Worksheet</a>.\r\nBorrower Investment: Minimum borrower investment of 15, which must be derived from verified assets.\r\n\r\n<strong>Credit Score:</strong> Minimum credit score of 660.\r\n\r\n<strong>Maximum DTI:</strong> 45%\r\n\r\n<strong>Mortgage Insurance:</strong> MCM 95 loans require 16% charter coverage. MI coverage rates should match the MI coverage recommended by AUS and are subject to change. Lenders may select from the various monthly, split and single “lender paid” MI premium plans available, subject to mortgage insurer terms and conditions. Upfront single or split premiums may be funded by the Second Loan proceeds or from any available rebate pricing, as reflected in the daily rate sheet, or from a Seller’s concession.\r\n\r\nWe are currently working with the following MI companies: Genworth, MGIC, and National MI. You must follow the MI companies HFA guidelines.\r\n\r\nFirst Time Homebuyer: No first-time homebuyer requirement.\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.\r\n\r\nLender Compensation, Fees, and Purchase: Please review the Program Guidelines for compensation, loan fees, and purchase requirements.\r\n\r\n<strong>Forms:</strong>\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/09/2013-Area-Median-Incomes-Bond-Program-1.pdf\">2013 Area Median Incomes - Choice 100 Programs</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/09/MORTGAGORS-AGREEMENT-DISCLOSURE-FORM.pdf\">Mortgagors Agreement &amp; Disclosure Form</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/08/Program-Guidelines-choice-100.pdf\">Program Guidelines choice 100</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/09/SECOND-LIEN-RIDER.pdf\">Second Lien Rider</a></li>\r\n</ul>', 'Choice100 Program', '', 'inherit', 'open', 'open', '', '217-revision-v1', '', '', '2013-10-15 18:17:14', '2013-10-15 18:17:14', '', 217, 'http://reidownpayment.org/wp/217-revision-v1/', 0, 'revision', '', 0);
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(367, 2, '2013-11-26 21:33:54', '2013-11-26 21:33:54', 'Down Payment and Closing Cost Assistance - Fannie Mae My Community Mortgage Loans\r\n\r\nThe REI Choice100 program is just that, it provides you with numerous choices and types of assistance for your borrowers. The program is utilized with Fannie Mae\'s 95% My Community Mortgage loan. We have structured the program to provide the borrower with a second mortgage of 5% along with the choice to pay a higher interest rate and receive 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.\r\n\r\nThis program can also be used for a rate/term refinance of existing loans. Any loan that is refinanced must prove a demonstrable benefit to the borrower (i.e. lower payments, term, or interest rates). Cash out refinances are not eligible.\r\n\r\nPlease review Program Guidelines for more detailed information, below are some highlights of the program.\r\n\r\n<strong>Eligible Lenders:</strong> Lenders must be approved as a 360 Mortgage Delegated Correspondent Lender and in good standing. 360 Mortgage requires that Lenders meet a minimum net worth requirement of $2.5 million to be eligible to sell this Program. Lenders should contact Priscilla Bohot at (512)418-6094 or <a href=\"mailto:pbohot@360mortgage.com\">pbohot@360mortgage.com</a> to inquire about becoming a participating lender. If you do not meet this requirement, please contact Dena Sherrill at <a href=\"mailto:dsherrill@reiok.org\">dsherrill@reiok.org</a> or Jeremy Layman at <a href=\"mailto:jlayman@reiok.org\">jlayman@reiok.org</a>.\r\n\r\n<strong>Program Highlights:</strong>\r\n\r\n<strong>Structure:</strong> This is a first and second mortgage program that are packaged together. The first mortgage loan is a 30 year fixed rate 95% My Community Mortgage and the second mortgage is utilized to pay the down payment, closing or mortgage insurance premiums associated with the first mortgage.\r\n\r\n<strong>Second Mortgage:</strong> The second mortgage is sized at 5% of the total first mortgage loan amount. The second mortgage is a 20 year fixed rate mortgage with an interest rate of 6.00%. There is no pre-payment penalties on the second mortgage. Borrower may be reimbursed for their earnest money and prepaid expenses.\r\n\r\n<strong>Interest rates:</strong> Multiple choices of Mortgage Loan Rates will be posted daily by 360 Mortgage. Rates are subject to change and confirmation by 360 Mortgage.\r\n\r\n<strong>Income Limits:</strong> Income limits apply based on qualifying <a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/09/Income-Worksheet.xls\">Income Worksheet</a>.\r\nBorrower Investment: Minimum borrower investment of 15, which must be derived from verified assets.\r\n\r\n<strong>Credit Score:</strong> Minimum credit score of 660.\r\n\r\n<strong>Maximum DTI:</strong> 45%\r\n\r\n<strong>Mortgage Insurance:</strong> MCM 95 loans require 16% charter coverage. MI coverage rates should match the MI coverage recommended by AUS and are subject to change. Lenders may select from the various monthly, split and single “lender paid” MI premium plans available, subject to mortgage insurer terms and conditions. Upfront single or split premiums may be funded by the Second Loan proceeds or from any available rebate pricing, as reflected in the daily rate sheet, or from a Seller’s concession.\r\n\r\nWe are currently working with the following MI companies: Genworth, MGIC, and National MI. You must follow the MI companies HFA guidelines.\r\n\r\nFirst Time Homebuyer: No first-time homebuyer requirement.\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.\r\n\r\nLender Compensation, Fees, and Purchase: Please review the Program Guidelines for compensation, loan fees, and purchase requirements.\r\n\r\n<strong>Forms:</strong>\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/09/2013-Area-Median-Incomes-Bond-Program-1.pdf\">2013 Area Median Incomes - Choice 100 Programs</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/09/MORTGAGORS-AGREEMENT-DISCLOSURE-FORM.pdf\">Mortgagors Agreement &amp; Disclosure Form</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/08/Program-Guidelines-choice-100.pdf\">Program Guidelines choice 100</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/09/SECOND-LIEN-RIDER.pdf\">Second Lien Rider</a></li>\r\n</ul>', 'Choice100 Program', '', 'inherit', 'open', 'open', '', '217-revision-v1', '', '', '2013-11-26 21:33:54', '2013-11-26 21:33:54', '', 217, 'http://reidownpayment.org/wp/217-revision-v1/', 0, 'revision', '', 0),
(368, 2, '2013-11-26 21:35:27', '2013-11-26 21:35:27', 'Down Payment and Closing Cost Assistance - Fannie Mae My Community Mortgage Loans\r\n\r\nThe REI Choice100 program is just that, it provides you with numerous choices and types of assistance for your borrowers. The program is utilized with Fannie Mae\'s 95% My Community Mortgage loan. We have structured the program to provide the borrower with a second mortgage of 5% along with the choice to pay a higher interest rate and receive 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.\r\n\r\nThis program can also be used for a rate/term refinance of existing loans. Any loan that is refinanced must prove a demonstrable benefit to the borrower (i.e. lower payments, term, or interest rates). Cash out refinances are not eligible.\r\n\r\nPlease review Program Guidelines for more detailed information, below are some highlights of the program.\r\n\r\n<strong>Eligible Lenders:</strong> Lenders must be approved as a 360 Mortgage Delegated Correspondent Lender and in good standing. 360 Mortgage requires that Lenders meet a minimum net worth requirement of $2.5 million to be eligible to sell this Program. Lenders should contact Priscilla Bohot at (512)418-6094 or <a href=\"mailto:pbohot@360mortgage.com\">pbohot@360mortgage.com</a> to inquire about becoming a participating lender. If you do not meet this requirement, please contact Dena Sherrill at <a href=\"mailto:dsherrill@reiok.org\">dsherrill@reiok.org</a> or Jeremy Layman at <a href=\"mailto:jlayman@reiok.org\">jlayman@reiok.org</a>.\r\n\r\n<strong>Program Highlights:</strong>\r\n\r\n<strong>Structure:</strong> This is a first and second mortgage program that are packaged together. The first mortgage loan is a 30 year fixed rate 95% My Community Mortgage and the second mortgage is utilized to pay the down payment, closing or mortgage insurance premiums associated with the first mortgage.\r\n\r\n<strong>Second Mortgage:</strong> The second mortgage is sized at 5% of the total first mortgage loan amount. The second mortgage is a 20 year fixed rate mortgage with an interest rate of 6.00%. There is no pre-payment penalties on the second mortgage. Borrower may be reimbursed for their earnest money and prepaid expenses.\r\n\r\n<strong>Interest rates:</strong> Multiple choices of Mortgage Loan Rates will be posted daily by 360 Mortgage. Rates are subject to change and confirmation by 360 Mortgage.\r\n\r\n<strong>Income Limits:</strong> Income limits apply based on qualifying <a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/09/Income-Worksheet.xls\">Income Worksheet</a>.\r\n\r\n<strong>Borrower Investment:</strong> Minimum borrower investment of 15, which must be derived from verified assets.\r\n\r\n<strong>Credit Score:</strong> Minimum credit score of 660.\r\n\r\n<strong>Maximum DTI:</strong> 45%\r\n\r\n<strong>Mortgage Insurance:</strong> MCM 95 loans require 16% charter coverage. MI coverage rates should match the MI coverage recommended by AUS and are subject to change. Lenders may select from the various monthly, split and single “lender paid” MI premium plans available, subject to mortgage insurer terms and conditions. Upfront single or split premiums may be funded by the Second Loan proceeds or from any available rebate pricing, as reflected in the daily rate sheet, or from a Seller’s concession.\r\n\r\nWe are currently working with the following MI companies: Genworth, MGIC, and National MI. You must follow the MI companies HFA guidelines.\r\n\r\nFirst Time Homebuyer: No first-time homebuyer requirement.\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.\r\n\r\nLender Compensation, Fees, and Purchase: Please review the Program Guidelines for compensation, loan fees, and purchase requirements.\r\n\r\n<strong>Forms:</strong>\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/09/2013-Area-Median-Incomes-Bond-Program-1.pdf\">2013 Area Median Incomes - Choice 100 Programs</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/09/MORTGAGORS-AGREEMENT-DISCLOSURE-FORM.pdf\">Mortgagors Agreement &amp; Disclosure Form</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/08/Program-Guidelines-choice-100.pdf\">Program Guidelines choice 100</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/09/SECOND-LIEN-RIDER.pdf\">Second Lien Rider</a></li>\r\n</ul>', 'Choice100 Program', '', 'inherit', 'open', 'open', '', '217-revision-v1', '', '', '2013-11-26 21:35:27', '2013-11-26 21:35:27', '', 217, 'http://reidownpayment.org/wp/217-revision-v1/', 0, 'revision', '', 0),
(369, 2, '2013-11-26 21:36:55', '2013-11-26 21:36:55', 'Down Payment and Closing Cost Assistance - Fannie Mae My Community Mortgage Loans\r\n\r\nThe REI Choice100 program is just that, it provides you with numerous choices and types of assistance for your borrowers. The program is utilized with Fannie Mae\'s 95% My Community Mortgage loan. We have structured the program to provide the borrower with a second mortgage of 5% along with the choice to pay a higher interest rate and receive 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.\r\n\r\nThis program can also be used for a rate/term refinance of existing loans. Any loan that is refinanced must prove a demonstrable benefit to the borrower (i.e. lower payments, term, or interest rates). Cash out refinances are not eligible.\r\n\r\nPlease review Program Guidelines for more detailed information, below are some highlights of the program.\r\n\r\n<strong>Eligible Lenders:</strong> Lenders must be approved as a 360 Mortgage Delegated Correspondent Lender and in good standing. 360 Mortgage requires that Lenders meet a minimum net worth requirement of $2.5 million to be eligible to sell this Program. Lenders should contact Priscilla Bohot at (512)418-6094 or <a href=\"mailto:pbohot@360mortgage.com\">pbohot@360mortgage.com</a> to inquire about becoming a participating lender. If you do not meet this requirement, please contact Dena Sherrill at <a href=\"mailto:dsherrill@reiok.org\">dsherrill@reiok.org</a> or Jeremy Layman at <a href=\"mailto:jlayman@reiok.org\">jlayman@reiok.org</a>.\r\n\r\n<strong>Program Highlights:</strong>\r\n\r\n<strong>Structure:</strong> This is a first and second mortgage program that are packaged together. The first mortgage loan is a 30 year fixed rate 95% My Community Mortgage and the second mortgage is utilized to pay the down payment, closing or mortgage insurance premiums associated with the first mortgage.\r\n\r\n<strong>Second Mortgage:</strong> The second mortgage is sized at 5% of the total first mortgage loan amount. The second mortgage is a 20 year fixed rate mortgage with an interest rate of 6.00%. There is no pre-payment penalties on the second mortgage. Borrower may be reimbursed for their earnest money and prepaid expenses.\r\n\r\n<strong>Interest rates:</strong> Multiple choices of Mortgage Loan Rates will be posted daily by 360 Mortgage. Rates are subject to change and confirmation by 360 Mortgage.\r\n\r\n<strong>Income Limits:</strong> Income limits apply based on qualifying <a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/09/Income-Worksheet.xls\">Income Worksheet</a>.\r\n\r\n<strong>Borrower Investment:</strong> Minimum borrower investment of 15, which must be derived from verified assets.\r\n\r\n<strong>Credit Score:</strong> Minimum credit score of 660.\r\n\r\n<strong>Maximum DTI:</strong> 45%\r\n\r\n<strong>Mortgage Insurance:</strong> MCM 95 loans require 16% charter coverage. MI coverage rates should match the MI coverage recommended by AUS and are subject to change. Lenders may select from the various monthly, split and single “lender paid” MI premium plans available, subject to mortgage insurer terms and conditions. Upfront single or split premiums may be funded by the Second Loan proceeds or from any available rebate pricing, as reflected in the daily rate sheet, or from a Seller’s concession.\r\n\r\n<strong>We are currently working with the following MI companies:</strong> Genworth, MGIC, and National MI. You must follow the MI companies HFA guidelines.\r\n\r\n<strong>First Time Homebuyer:</strong> No first-time homebuyer requirement.\r\n\r\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.\r\n\r\n<strong>Lender Compensation, Fees, and Purchase:</strong> Please review the Program Guidelines for compensation, loan fees, and purchase requirements.\r\n\r\n<strong>Forms:</strong>\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/09/2013-Area-Median-Incomes-Bond-Program-1.pdf\">2013 Area Median Incomes - Choice 100 Programs</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/09/MORTGAGORS-AGREEMENT-DISCLOSURE-FORM.pdf\">Mortgagors Agreement &amp; Disclosure Form</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/08/Program-Guidelines-choice-100.pdf\">Program Guidelines choice 100</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/09/SECOND-LIEN-RIDER.pdf\">Second Lien Rider</a></li>\r\n</ul>', 'Choice100 Program', '', 'inherit', 'open', 'open', '', '217-revision-v1', '', '', '2013-11-26 21:36:55', '2013-11-26 21:36:55', '', 217, 'http://reidownpayment.org/wp/217-revision-v1/', 0, 'revision', '', 0),
(370, 2, '2013-11-26 21:38:38', '2013-11-26 21:38:38', '<strong>REI CHOICE100 PROGRAM</strong> - Down Payment and Closing Cost Assistance - Fannie Mae My Community Mortgage Loans\r\n\r\nThe REI Choice100 program is just that, it provides you with numerous choices and types of assistance for your borrowers. The program is utilized with Fannie Mae\'s 95% My Community Mortgage loan. We have structured the program to provide the borrower with a second mortgage of 5% along with the choice to pay a higher interest rate and receive 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.\r\n\r\nThis program can also be used for a rate/term refinance of existing loans. Any loan that is refinanced must prove a demonstrable benefit to the borrower (i.e. lower payments, term, or interest rates). Cash out refinances are not eligible.\r\n\r\nPlease review Program Guidelines for more detailed information, below are some highlights of the program.\r\n\r\n<strong>Eligible Lenders:</strong> Lenders must be approved as a 360 Mortgage Delegated Correspondent Lender and in good standing. 360 Mortgage requires that Lenders meet a minimum net worth requirement of $2.5 million to be eligible to sell this Program. Lenders should contact Priscilla Bohot at (512)418-6094 or <a href=\"mailto:pbohot@360mortgage.com\">pbohot@360mortgage.com</a> to inquire about becoming a participating lender. If you do not meet this requirement, please contact Dena Sherrill at <a href=\"mailto:dsherrill@reiok.org\">dsherrill@reiok.org</a> or Jeremy Layman at <a href=\"mailto:jlayman@reiok.org\">jlayman@reiok.org</a>.\r\n\r\n<strong>Program Highlights:</strong>\r\n\r\n<strong>Structure:</strong> This is a first and second mortgage program that are packaged together. The first mortgage loan is a 30 year fixed rate 95% My Community Mortgage and the second mortgage is utilized to pay the down payment, closing or mortgage insurance premiums associated with the first mortgage.\r\n\r\n<strong>Second Mortgage:</strong> The second mortgage is sized at 5% of the total first mortgage loan amount. The second mortgage is a 20 year fixed rate mortgage with an interest rate of 6.00%. There is no pre-payment penalties on the second mortgage. Borrower may be reimbursed for their earnest money and prepaid expenses.\r\n\r\n<strong>Interest rates:</strong> Multiple choices of Mortgage Loan Rates will be posted daily by 360 Mortgage. Rates are subject to change and confirmation by 360 Mortgage.\r\n\r\n<strong>Income Limits:</strong> Income limits apply based on qualifying <a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/09/Income-Worksheet.xls\">Income Worksheet</a>.\r\n\r\n<strong>Borrower Investment:</strong> Minimum borrower investment of 15, which must be derived from verified assets.\r\n\r\n<strong>Credit Score:</strong> Minimum credit score of 660.\r\n\r\n<strong>Maximum DTI:</strong> 45%\r\n\r\n<strong>Mortgage Insurance:</strong> MCM 95 loans require 16% charter coverage. MI coverage rates should match the MI coverage recommended by AUS and are subject to change. Lenders may select from the various monthly, split and single “lender paid” MI premium plans available, subject to mortgage insurer terms and conditions. Upfront single or split premiums may be funded by the Second Loan proceeds or from any available rebate pricing, as reflected in the daily rate sheet, or from a Seller’s concession.\r\n\r\n<strong>We are currently working with the following MI companies:</strong> Genworth, MGIC, and National MI. You must follow the MI companies HFA guidelines.\r\n\r\n<strong>First Time Homebuyer:</strong> No first-time homebuyer requirement.\r\n\r\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.\r\n\r\n<strong>Lender Compensation, Fees, and Purchase:</strong> Please review the Program Guidelines for compensation, loan fees, and purchase requirements.\r\n\r\n<strong>Forms:</strong>\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/09/2013-Area-Median-Incomes-Bond-Program-1.pdf\">2013 Area Median Incomes - Choice 100 Programs</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/09/MORTGAGORS-AGREEMENT-DISCLOSURE-FORM.pdf\">Mortgagors Agreement &amp; Disclosure Form</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/08/Program-Guidelines-choice-100.pdf\">Program Guidelines choice 100</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/09/SECOND-LIEN-RIDER.pdf\">Second Lien Rider</a></li>\r\n</ul>', 'Choice100 Program', '', 'inherit', 'open', 'open', '', '217-revision-v1', '', '', '2013-11-26 21:38:38', '2013-11-26 21:38:38', '', 217, 'http://reidownpayment.org/wp/217-revision-v1/', 0, 'revision', '', 0),
(373, 1, '2019-10-03 13:31:42', '2019-10-03 13:31:42', '', 'Front Page Slider', '', 'publish', 'closed', 'closed', '', 'front-page-slider', '', '', '2019-10-03 13:31:42', '2019-10-03 13:31:42', '', 0, 'http://reidownpayment.org/?post_type=cycloneslider&#038;p=373', 0, 'cycloneslider', '', 0),
(377, 2, '2014-02-26 20:45:06', '2014-02-26 20:45:06', '<strong>REI CHOICE100 PROGRAM</strong> - Down Payment and Closing Cost Assistance - Fannie Mae My Community Mortgage Loans\r\n\r\nThe REI Choice100 program is just that, it provides you with numerous choices and types of assistance for your borrowers. The program is utilized with Fannie Mae\'s 95% My Community Mortgage loan. We have structured the program to provide the borrower with a second mortgage of 5% along with the choice to pay a higher interest rate and receive 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.\r\n\r\nThis program can also be used for a rate/term refinance of existing loans. Any loan that is refinanced must prove a demonstrable benefit to the borrower (i.e. lower payments, term, or interest rates). Cash out refinances are not eligible.\r\n\r\nPlease review Program Guidelines for more detailed information, below are some highlights of the program.\r\n\r\n<strong>Eligible Lenders:</strong> Lenders must be approved as a 360 Mortgage Delegated Correspondent Lender and in good standing. 360 Mortgage requires that Lenders meet a minimum net worth requirement of $2.5 million to be eligible to sell this Program. Lenders should contact Priscilla Bohot at (512)418-6094 or <a href=\"mailto:pbohot@360mortgage.com\">pbohot@360mortgage.com</a> to inquire about becoming a participating lender. If you do not meet this requirement, please contact Dena Sherrill at <a href=\"mailto:dsherrill@reiok.org\">dsherrill@reiok.org</a> or Jeremy Layman at <a href=\"mailto:jlayman@reiok.org\">jlayman@reiok.org</a>.\r\n\r\n<strong>Program Highlights:</strong>\r\n\r\n<strong>Structure:</strong> This is a first and second mortgage program that are packaged together. The first mortgage loan is a 30 year fixed rate 95% My Community Mortgage and the second mortgage is utilized to pay the down payment, closing or mortgage insurance premiums associated with the first mortgage.\r\n\r\n<strong>Second Mortgage:</strong> The second mortgage is sized at 5% of the total first mortgage loan amount. The second mortgage is a 20 year fixed rate mortgage with an interest rate of 6.00%. There is no pre-payment penalties on the second mortgage. Borrower may be reimbursed for their earnest money and prepaid expenses.\r\n\r\n<strong>Interest rates:</strong> Multiple choices of Mortgage Loan Rates will be posted daily by 360 Mortgage. Rates are subject to change and confirmation by 360 Mortgage.\r\n\r\n<strong>Income Limits:</strong> Income limits apply based on qualifying <a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/09/Income-Worksheet.xls\">Income Worksheet</a>.\r\n\r\n<strong>Borrower Investment:</strong> Minimum borrower investment of 15, which must be derived from verified assets.\r\n\r\n<strong>Credit Score:</strong> Minimum credit score of 660.\r\n\r\n<strong>Maximum DTI:</strong> 45%\r\n\r\n<strong>Mortgage Insurance:</strong> MCM 95 loans require 16% charter coverage. MI coverage rates should match the MI coverage recommended by AUS and are subject to change. Lenders may select from the various monthly, split and single “lender paid” MI premium plans available, subject to mortgage insurer terms and conditions. Upfront single or split premiums may be funded by the Second Loan proceeds or from any available rebate pricing, as reflected in the daily rate sheet, or from a Seller’s concession.\r\n\r\n<strong>We are currently working with the following MI companies:</strong> Genworth, MGIC, and National MI. You must follow the MI companies HFA guidelines.\r\n\r\n<strong>First Time Homebuyer:</strong> No first-time homebuyer requirement.\r\n\r\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.\r\n\r\n<strong>Lender Compensation, Fees, and Purchase:</strong> Please review the Program Guidelines for compensation, loan fees, and purchase requirements.\r\n\r\n<strong>Forms:</strong>\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/02/2013-Area-Median-Incomes-Choice-100-Program.pdf\" target=\"_blank\">2013 Area Median Incomes - Choice 100 Programs</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/09/MORTGAGORS-AGREEMENT-DISCLOSURE-FORM.pdf\">Mortgagors Agreement &amp; Disclosure Form</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/08/Program-Guidelines-choice-100.pdf\">Program Guidelines choice 100</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/09/SECOND-LIEN-RIDER.pdf\">Second Lien Rider</a></li>\r\n</ul>', 'Choice100 Program', '', 'inherit', 'open', 'open', '', '217-revision-v1', '', '', '2014-02-26 20:45:06', '2014-02-26 20:45:06', '', 217, 'http://reidownpayment.org/217-revision-v1/', 0, 'revision', '', 0),
(380, 2, '2013-11-20 17:22:51', '2013-11-20 17:22:51', '<strong>REI CHOICE100 PROGRAM</strong> - Down Payment and Closing Cost Assistance - Fannie Mae My Community Mortgage Loans\r\n\r\nThe REI Choice100 program is just that, it provides you with numerous choices and types of assistance. The program is utilized with Fannie Mae\'s 95% My Community Mortgage loan. We have structured the program to provide you with a second mortgage of 5% along with the \"choice\" to pay a higher interest rate and receive 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\n<strong>Program Highlights:</strong>\r\n\r\n<strong>Structure:</strong> This is a first and second mortgage program that are packaged together. The first mortgage loan is a 30 year fixed rate 95% My Community Mortgage and the second mortgage is utilized to pay the down payment, closing or mortgage insurance premiums associated with the first mortgage.\r\n\r\n<strong>Second Mortgage:</strong> The second mortgage is sized at 5% of the total first mortgage loan amount. The second mortgage is a 20 year fixed rate mortgage with an interest rate of 6.00%. There is no pre-payment penalties on the second mortgage. Borrower may be reimbursed for their earnest money and prepaid expenses.\r\n\r\n<strong>Lenders:</strong> You may use the lender of your choice, if they are approved for the REI Choice100 program. Many lenders throughout the state are approved. If you are using a lender that is not familiar with the program or is not approved, please have them contact Dena Sherrill, REI Down Payment Assistance Manager at 800-658-2823 or <a href=\"mailto:dsherrill@reiok.org\">dsherrill@reiok.org</a>.\r\n\r\n<strong>Income Limits:</strong> Income limits apply based on qualifying <a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/09/2013-Area-Median-Incomes-Choice-100-Program.pdf\">income</a>.\r\n\r\n<strong>Credit Score:</strong> Minimum credit score of 680.\r\n\r\n<strong>Mortgage Insurance:</strong> Required coverage amount is lower than normal My Community Mortgage loans.\r\n\r\n<strong>First Time Homebuyer:</strong> You do not have to be a first-time homebuyer for this program.\r\n\r\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.\r\n\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/09/2013-Area-Median-Incomes-Choice-100-Program.pdf\">2013 Area Median Incomes - Choice 100 Program</a>', 'Choice 100 Program', '', 'inherit', 'open', 'open', '', '171-revision-v1', '', '', '2013-11-20 17:22:51', '2013-11-20 17:22:51', '', 171, 'http://reidownpayment.org/171-revision-v1/', 0, 'revision', '', 0),
(381, 2, '2014-03-05 15:57:06', '2014-03-05 15:57:06', '<strong>REI CHOICE100 PROGRAM</strong> - Down Payment and Closing Cost Assistance - Fannie Mae My Community Mortgage Loans\r\n\r\nThe REI Choice100 program is just that, it provides you with numerous choices and types of assistance. The program is utilized with Fannie Mae\'s 95% My Community Mortgage loan. We have structured the program to provide you with a second mortgage of 5% along with the \"choice\" to pay a higher interest rate and receive 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\n<strong>Program Highlights:</strong>\r\n\r\n<strong>Structure:</strong> This is a first and second mortgage program that are packaged together. The first mortgage loan is a 30 year fixed rate 95% My Community Mortgage and the second mortgage is utilized to pay the down payment, closing or mortgage insurance premiums associated with the first mortgage.\r\n\r\n<strong>Second Mortgage:</strong> The second mortgage is sized at 5% of the total first mortgage loan amount. The second mortgage is a 20 year fixed rate mortgage with an interest rate of 6.00%. There is no pre-payment penalties on the second mortgage. Borrower may be reimbursed for their earnest money and prepaid expenses.\r\n\r\n<strong>Lenders:</strong> You may use the lender of your choice, if they are approved for the REI Choice100 program. Many lenders throughout the state are approved. If you are using a lender that is not familiar with the program or is not approved, please have them contact Dena Sherrill, REI Down Payment Assistance Manager at 800-658-2823 or <a href=\"mailto:dsherrill@reiok.org\">dsherrill@reiok.org</a>.\r\n\r\n<strong>Income Limits:</strong> Income limits apply based on qualifying <a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/09/2013-Area-Median-Incomes-Choice-100-Program.pdf\">income</a>.\r\n\r\n<strong>Credit Score:</strong> Minimum credit score of 680.\r\n\r\n<strong>Mortgage Insurance:</strong> Required coverage amount is lower than normal My Community Mortgage loans.\r\n\r\n<strong>First Time Homebuyer:</strong> You do not have to be a first-time homebuyer for this program.\r\n\r\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.\r\n\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/03/2014-Area-Median-Incomes-Choice-100-Program.pdf\" target=\"_blank\">2014 Area Median Incomes - Choice 100 Program</a>', 'Choice 100 Program', '', 'inherit', 'open', 'open', '', '171-revision-v1', '', '', '2014-03-05 15:57:06', '2014-03-05 15:57:06', '', 171, 'http://reidownpayment.org/171-revision-v1/', 0, 'revision', '', 0),
(384, 2, '2014-03-05 16:05:40', '2014-03-05 16:05:40', '<strong>REI CHOICE100 PROGRAM</strong> - Down Payment and Closing Cost Assistance - Fannie Mae My Community Mortgage Loans\r\n\r\nThe REI Choice100 program is just that, it provides you with numerous choices and types of assistance for your borrowers. The program is utilized with Fannie Mae\'s 95% My Community Mortgage loan. We have structured the program to provide the borrower with a second mortgage of 5% along with the choice to pay a higher interest rate and receive 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.\r\n\r\nThis program can also be used for a rate/term refinance of existing loans. Any loan that is refinanced must prove a demonstrable benefit to the borrower (i.e. lower payments, term, or interest rates). Cash out refinances are not eligible.\r\n\r\nPlease review Program Guidelines for more detailed information, below are some highlights of the program.\r\n\r\n<strong>Eligible Lenders:</strong> Lenders must be approved as a 360 Mortgage Delegated Correspondent Lender and in good standing. 360 Mortgage requires that Lenders meet a minimum net worth requirement of $2.5 million to be eligible to sell this Program. Lenders should contact Priscilla Bohot at (512)418-6094 or <a href=\"mailto:pbohot@360mortgage.com\">pbohot@360mortgage.com</a> to inquire about becoming a participating lender. If you do not meet this requirement, please contact Dena Sherrill at <a href=\"mailto:dsherrill@reiok.org\">dsherrill@reiok.org</a> or Jeremy Layman at <a href=\"mailto:jlayman@reiok.org\">jlayman@reiok.org</a>.\r\n\r\n<strong>Program Highlights:</strong>\r\n\r\n<strong>Structure:</strong> This is a first and second mortgage program that are packaged together. The first mortgage loan is a 30 year fixed rate 95% My Community Mortgage and the second mortgage is utilized to pay the down payment, closing or mortgage insurance premiums associated with the first mortgage.\r\n\r\n<strong>Second Mortgage:</strong> The second mortgage is sized at 5% of the total first mortgage loan amount. The second mortgage is a 20 year fixed rate mortgage with an interest rate of 6.00%. There is no pre-payment penalties on the second mortgage. Borrower may be reimbursed for their earnest money and prepaid expenses.\r\n\r\n<strong>Interest rates:</strong> Multiple choices of Mortgage Loan Rates will be posted daily by 360 Mortgage. Rates are subject to change and confirmation by 360 Mortgage.\r\n\r\n<strong>Income Limits:</strong> Income limits apply based on qualifying <a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/09/Income-Worksheet.xls\">Income Worksheet</a>.\r\n\r\n<strong>Borrower Investment:</strong> Minimum borrower investment of 15, which must be derived from verified assets.\r\n\r\n<strong>Credit Score:</strong> Minimum credit score of 660.\r\n\r\n<strong>Maximum DTI:</strong> 45%\r\n\r\n<strong>Mortgage Insurance:</strong> MCM 95 loans require 16% charter coverage. MI coverage rates should match the MI coverage recommended by AUS and are subject to change. Lenders may select from the various monthly, split and single “lender paid” MI premium plans available, subject to mortgage insurer terms and conditions. Upfront single or split premiums may be funded by the Second Loan proceeds or from any available rebate pricing, as reflected in the daily rate sheet, or from a Seller’s concession.\r\n\r\n<strong>We are currently working with the following MI companies:</strong> Genworth, MGIC, and National MI. You must follow the MI companies HFA guidelines.\r\n\r\n<strong>First Time Homebuyer:</strong> No first-time homebuyer requirement.\r\n\r\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.\r\n\r\n<strong>Lender Compensation, Fees, and Purchase:</strong> Please review the Program Guidelines for compensation, loan fees, and purchase requirements.\r\n\r\n<strong>Forms:</strong>\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/03/2014-Area-Median-Incomes-Choice-100-Program1.pdf\" target=\"_blank\">2014 Area Median Incomes - Choice 100 Programs</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/09/MORTGAGORS-AGREEMENT-DISCLOSURE-FORM.pdf\">Mortgagors Agreement &amp; Disclosure Form</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/08/Program-Guidelines-choice-100.pdf\">Program Guidelines choice 100</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/09/SECOND-LIEN-RIDER.pdf\">Second Lien Rider</a></li>\r\n</ul>', 'Choice100 Program', '', 'inherit', 'open', 'open', '', '217-revision-v1', '', '', '2014-03-05 16:05:40', '2014-03-05 16:05:40', '', 217, 'http://reidownpayment.org/217-revision-v1/', 0, 'revision', '', 0),
(385, 2, '2014-03-06 15:36:22', '2014-03-06 15:36:22', '<strong>REI CHOICE100 PROGRAM</strong> - Down Payment and Closing Cost Assistance - Fannie Mae My Community Mortgage Loans\r\n\r\nThe REI Choice100 program is just that, it provides you with numerous choices and types of assistance. The program is utilized with Fannie Mae\'s 95% My Community Mortgage loan. We have structured the program to provide you with a second mortgage of 5% along with the \"choice\" to pay a higher interest rate and receive 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\n<strong>Program Highlights:</strong>\r\n\r\n<strong>Structure:</strong> This is a first and second mortgage program that are packaged together. The first mortgage loan is a 30 year fixed rate 95% My Community Mortgage and the second mortgage is utilized to pay the down payment, closing or mortgage insurance premiums associated with the first mortgage.\r\n\r\n<strong>Second Mortgage:</strong> The second mortgage is sized at 5% of the total first mortgage loan amount. The second mortgage is a 20 year fixed rate mortgage with an interest rate of 6.00%. There is no pre-payment penalties on the second mortgage. Borrower may be reimbursed for their earnest money and prepaid expenses.\r\n\r\n<strong>Lenders:</strong> You may use the lender of your choice, if they are approved for the REI Choice100 program. Many lenders throughout the state are approved. If you are using a lender that is not familiar with the program or is not approved, please have them contact Dena Sherrill, REI Down Payment Assistance Manager at 800-658-2823 or <a href=\"mailto:dsherrill@reiok.org\">dsherrill@reiok.org</a>.\r\n\r\n<strong>Income Limits:</strong> Income limits apply based on qualifying <a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/03/2014-Area-Median-Incomes-Choice-100-Program1.pdf\" target=\"_blank\">income</a>.\r\n\r\n<strong>Credit Score:</strong> Minimum credit score of 680.\r\n\r\n<strong>Mortgage Insurance:</strong> Required coverage amount is lower than normal My Community Mortgage loans.\r\n\r\n<strong>First Time Homebuyer:</strong> You do not have to be a first-time homebuyer for this program.\r\n\r\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.\r\n\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/03/2014-Area-Median-Incomes-Choice-100-Program.pdf\" target=\"_blank\">2014 Area Median Incomes - Choice 100 Program</a>', 'Choice 100 Program', '', 'inherit', 'open', 'open', '', '171-revision-v1', '', '', '2014-03-06 15:36:22', '2014-03-06 15:36:22', '', 171, 'http://reidownpayment.org/171-revision-v1/', 0, 'revision', '', 0),
(386, 2, '2014-03-06 15:37:56', '2014-03-06 15:37:56', '<strong>REI CHOICE100 PROGRAM</strong> - Down Payment and Closing Cost Assistance - Fannie Mae My Community Mortgage Loans\r\n\r\nThe REI Choice100 program is just that, it provides you with numerous choices and types of assistance. The program is utilized with Fannie Mae\'s 95% My Community Mortgage loan. We have structured the program to provide you with a second mortgage of 5% along with the \"choice\" to pay a higher interest rate and receive 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\n<strong>Program Highlights:</strong>\r\n\r\n<strong>Structure:</strong> This is a first and second mortgage program that are packaged together. The first mortgage loan is a 30 year fixed rate 95% My Community Mortgage and the second mortgage is utilized to pay the down payment, closing or mortgage insurance premiums associated with the first mortgage.\r\n\r\n<strong>Second Mortgage:</strong> The second mortgage is sized at 5% of the total first mortgage loan amount. The second mortgage is a 20 year fixed rate mortgage with an interest rate of 6.00%. There is no pre-payment penalties on the second mortgage. Borrower may be reimbursed for their earnest money and prepaid expenses.\r\n\r\n<strong>Lenders:</strong> You may use the lender of your choice, if they are approved for the REI Choice100 program. Many lenders throughout the state are approved. If you are using a lender that is not familiar with the program or is not approved, please have them contact Dena Sherrill, REI Down Payment Assistance Manager at 800-658-2823 or <a href=\"mailto:dsherrill@reiok.org\">dsherrill@reiok.org</a>.\r\n\r\n<strong>Income Limits:</strong> Income limits apply based on qualifying <a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/03/2014-Area-Median-Incomes-Choice-100-Program1.pdf\" target=\"_blank\">income</a>.\r\n\r\n<strong>Credit Score:</strong> Minimum credit score of 660.\r\n\r\n<strong>Mortgage Insurance:</strong> Required coverage amount is lower than normal My Community Mortgage loans.\r\n\r\n<strong>First Time Homebuyer:</strong> You do not have to be a first-time homebuyer for this program.\r\n\r\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.\r\n\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/03/2014-Area-Median-Incomes-Choice-100-Program.pdf\" target=\"_blank\">2014 Area Median Incomes - Choice 100 Program</a>', 'Choice 100 Program', '', 'inherit', 'open', 'open', '', '171-revision-v1', '', '', '2014-03-06 15:37:56', '2014-03-06 15:37:56', '', 171, 'http://reidownpayment.org/171-revision-v1/', 0, 'revision', '', 0),
(388, 2, '2014-03-10 21:04:17', '2014-03-10 21:04:17', '<strong>REI CHOICE100 PROGRAM</strong> - Down Payment and Closing Cost Assistance - Fannie Mae My Community Mortgage Loans\r\n\r\nThe REI Choice100 program is just that, it provides you with numerous choices and types of assistance. The program is utilized with Fannie Mae\'s 95% My Community Mortgage loan. We have structured the program to provide you with a second mortgage of 5% along with the \"choice\" to pay a higher interest rate and receive 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\n<strong>Program Highlights:</strong>\r\n\r\n<strong>Structure:</strong> This is a first and second mortgage program that are packaged together. The first mortgage loan is a 30 year fixed rate 95% My Community Mortgage and the second mortgage is utilized to pay the down payment, closing or mortgage insurance premiums associated with the first mortgage.\r\n\r\n<strong>Second Mortgage:</strong> The second mortgage is sized at 5% of the total first mortgage loan amount. The second mortgage is a 20 year fixed rate mortgage with an interest rate of 6.00%. There is no pre-payment penalties on the second mortgage. Borrower may be reimbursed for their earnest money and prepaid expenses.\r\n\r\n<strong>Lenders:</strong> You may use the lender of your choice, if they are approved for the REI Choice100 program. Many lenders throughout the state are approved. If you are using a lender that is not familiar with the program or is not approved, please have them contact Dena Sherrill, REI Down Payment Assistance Manager at 800-658-2823 or <a href=\"mailto:dsherrill@reiok.org\">dsherrill@reiok.org</a>.\r\n\r\n<strong>Income Limits:</strong> Income limits apply based on qualifying <a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/03/2014-Area-Median-Incomes-Choice-100-Program2.pdf\" target=\"_blank\">income</a>.\r\n\r\n<strong>Credit Score:</strong> Minimum credit score of 660.\r\n\r\n<strong>Mortgage Insurance:</strong> Required coverage amount is lower than normal My Community Mortgage loans.\r\n\r\n<strong>First Time Homebuyer:</strong> You do not have to be a first-time homebuyer for this program.\r\n\r\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.\r\n\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/03/2014-Area-Median-Incomes-Choice-100-Program2.pdf\" target=\"_blank\">2014 Area Median Incomes - Choice 100 Program</a>', 'Choice 100 Program', '', 'inherit', 'open', 'open', '', '171-revision-v1', '', '', '2014-03-10 21:04:17', '2014-03-10 21:04:17', '', 171, 'http://reidownpayment.org/171-revision-v1/', 0, 'revision', '', 0);
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(389, 2, '2014-03-10 21:04:47', '2014-03-10 21:04:47', '<strong>REI CHOICE100 PROGRAM</strong> - Down Payment and Closing Cost Assistance - Fannie Mae My Community Mortgage Loans\r\n\r\nThe REI Choice100 program is just that, it provides you with numerous choices and types of assistance for your borrowers. The program is utilized with Fannie Mae\'s 95% My Community Mortgage loan. We have structured the program to provide the borrower with a second mortgage of 5% along with the choice to pay a higher interest rate and receive 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.\r\n\r\nThis program can also be used for a rate/term refinance of existing loans. Any loan that is refinanced must prove a demonstrable benefit to the borrower (i.e. lower payments, term, or interest rates). Cash out refinances are not eligible.\r\n\r\nPlease review Program Guidelines for more detailed information, below are some highlights of the program.\r\n\r\n<strong>Eligible Lenders:</strong> Lenders must be approved as a 360 Mortgage Delegated Correspondent Lender and in good standing. 360 Mortgage requires that Lenders meet a minimum net worth requirement of $2.5 million to be eligible to sell this Program. Lenders should contact Priscilla Bohot at (512)418-6094 or <a href=\"mailto:pbohot@360mortgage.com\">pbohot@360mortgage.com</a> to inquire about becoming a participating lender. If you do not meet this requirement, please contact Dena Sherrill at <a href=\"mailto:dsherrill@reiok.org\">dsherrill@reiok.org</a> or Jeremy Layman at <a href=\"mailto:jlayman@reiok.org\">jlayman@reiok.org</a>.\r\n\r\n<strong>Program Highlights:</strong>\r\n\r\n<strong>Structure:</strong> This is a first and second mortgage program that are packaged together. The first mortgage loan is a 30 year fixed rate 95% My Community Mortgage and the second mortgage is utilized to pay the down payment, closing or mortgage insurance premiums associated with the first mortgage.\r\n\r\n<strong>Second Mortgage:</strong> The second mortgage is sized at 5% of the total first mortgage loan amount. The second mortgage is a 20 year fixed rate mortgage with an interest rate of 6.00%. There is no pre-payment penalties on the second mortgage. Borrower may be reimbursed for their earnest money and prepaid expenses.\r\n\r\n<strong>Interest rates:</strong> Multiple choices of Mortgage Loan Rates will be posted daily by 360 Mortgage. Rates are subject to change and confirmation by 360 Mortgage.\r\n\r\n<strong>Income Limits:</strong> Income limits apply based on qualifying <a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/09/Income-Worksheet.xls\">Income Worksheet</a>.\r\n\r\n<strong>Borrower Investment:</strong> Minimum borrower investment of 15, which must be derived from verified assets.\r\n\r\n<strong>Credit Score:</strong> Minimum credit score of 660.\r\n\r\n<strong>Maximum DTI:</strong> 45%\r\n\r\n<strong>Mortgage Insurance:</strong> MCM 95 loans require 16% charter coverage. MI coverage rates should match the MI coverage recommended by AUS and are subject to change. Lenders may select from the various monthly, split and single “lender paid” MI premium plans available, subject to mortgage insurer terms and conditions. Upfront single or split premiums may be funded by the Second Loan proceeds or from any available rebate pricing, as reflected in the daily rate sheet, or from a Seller’s concession.\r\n\r\n<strong>We are currently working with the following MI companies:</strong> Genworth, MGIC, and National MI. You must follow the MI companies HFA guidelines.\r\n\r\n<strong>First Time Homebuyer:</strong> No first-time homebuyer requirement.\r\n\r\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.\r\n\r\n<strong>Lender Compensation, Fees, and Purchase:</strong> Please review the Program Guidelines for compensation, loan fees, and purchase requirements.\r\n\r\n<strong>Forms:</strong>\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/03/2014-Area-Median-Incomes-Choice-100-Program2.pdf\" target=\"_blank\">2014 Area Median Incomes - Choice 100 Programs</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/09/MORTGAGORS-AGREEMENT-DISCLOSURE-FORM.pdf\">Mortgagors Agreement &amp; Disclosure Form</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/08/Program-Guidelines-choice-100.pdf\">Program Guidelines choice 100</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/09/SECOND-LIEN-RIDER.pdf\">Second Lien Rider</a></li>\r\n</ul>', 'Choice100 Program', '', 'inherit', 'open', 'open', '', '217-revision-v1', '', '', '2014-03-10 21:04:47', '2014-03-10 21:04:47', '', 217, 'http://reidownpayment.org/217-revision-v1/', 0, 'revision', '', 0),
(390, 2, '2014-03-11 19:44:53', '2014-03-11 19:44:53', 'Home is a place of comfort, refuge and rest. These feelings are amplified when you own your home, that is why homeownership is called \"The American Dream\".  Many people do not believe that they are eligible to purchase a home. REI Down Payment Assistance has down payment and/or closing cost assistance programs, which could be the key to you becoming a homeowner.\r\n\r\nREI Down Payment Assistance has helped more than 3,000 families achieve homeownership through our partnerships with mortgage lenders. These programs give mortgage lenders more tools in their tool belt to help eligible borrowers purchase the home of their dreams.\r\n\r\nHome...Where Life Begins! Let us help, whether you are a potential homebuyer or lender, click the appropriate links above to learn more.', 'Home... Where Life Begins!', '', 'inherit', 'open', 'open', '', '22-revision-v1', '', '', '2014-03-11 19:44:53', '2014-03-11 19:44:53', '', 22, 'http://reidownpayment.org/22-revision-v1/', 0, 'revision', '', 0),
(391, 2, '2014-03-11 19:56:53', '2014-03-11 19:56:53', '', 'family banner web 1', '', 'inherit', 'open', 'open', '', 'family-banner-web-1', '', '', '2014-03-11 19:56:53', '2014-03-11 19:56:53', '', 0, 'http://reidownpayment.org/wp/wp-content/uploads/2014/03/family-banner-web-1.jpg', 0, 'attachment', 'image/jpeg', 0),
(392, 2, '2014-03-11 19:56:57', '2014-03-11 19:56:57', '', 'family banner web 2', '', 'inherit', 'open', 'open', '', 'family-banner-web-2', '', '', '2014-03-11 19:56:57', '2014-03-11 19:56:57', '', 0, 'http://reidownpayment.org/wp/wp-content/uploads/2014/03/family-banner-web-2.jpg', 0, 'attachment', 'image/jpeg', 0),
(394, 2, '2014-03-26 21:58:16', '2014-03-26 21:58:16', '<strong>REI CHOICE100 PROGRAM</strong> - Down Payment and Closing Cost Assistance - Fannie Mae My Community Mortgage Loans\r\n\r\nThe REI Choice100 program is just that, it provides you with numerous choices and types of assistance. The program is utilized with Fannie Mae\'s 95% My Community Mortgage loan. We have structured the program to provide you with a second mortgage of 5% along with the \"choice\" to pay a higher interest rate and receive 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\n<strong>Program Highlights:</strong>\r\n\r\n<strong>Structure:</strong> This is a first and second mortgage program that are packaged together. The first mortgage loan is a 30 year fixed rate 95% My Community Mortgage and the second mortgage is utilized to pay the down payment, closing or mortgage insurance premiums associated with the first mortgage.\r\n\r\n<strong>Second Mortgage:</strong> The second mortgage is sized at 5% of the total first mortgage loan amount. The second mortgage is a 20 year fixed rate mortgage with an interest rate of 6.00%. There is no pre-payment penalties on the second mortgage. Borrower may be reimbursed for their earnest money and prepaid expenses.\r\n\r\n<strong>Lenders:</strong> You may use the lender of your choice, if they are approved for the REI Choice100 program. Many lenders throughout the state are approved. If you are using a lender that is not familiar with the program or is not approved, please have them contact Dena Sherrill, REI Down Payment Assistance Manager at 800-658-2823 or <a href=\"mailto:dsherrill@reiok.org\">dsherrill@reiok.org</a>.\r\n\r\n<strong>Income Limits:</strong> Income limits apply based on qualifying <a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/03/2014-Area-Median-Incomes-Choice-100-Program2.pdf\" target=\"_blank\">income</a>.\r\n\r\n<strong>Credit Score:</strong> Minimum credit score of 660.\r\n\r\n<strong>Mortgage Insurance:</strong> Required coverage amount is lower than normal My Community Mortgage loans.\r\n\r\n<strong>First Time Home Buyer:</strong> You do not have to be a first-time home buyer for this program.\r\n\r\n<strong>Home Buyer Education:</strong> If all borrowers are first-time home buyers, at least one borrower must complete pre-purchase home-buyer education and counseling.\r\n\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/03/2014-Area-Median-Incomes-Choice-100-Program2.pdf\" target=\"_blank\">2014 Area Median Incomes - Choice100 Program</a>', 'Choice100 Program', '', 'inherit', 'open', 'open', '', '171-revision-v1', '', '', '2014-03-26 21:58:16', '2014-03-26 21:58:16', '', 171, 'http://reidownpayment.org/171-revision-v1/', 0, 'revision', '', 0),
(395, 2, '2014-03-26 21:59:57', '2014-03-26 21:59:57', '<strong>REI CHOICE100 PROGRAM</strong> - Down Payment and Closing Cost Assistance - Fannie Mae My Community Mortgage Loans\r\n\r\nThe REI Choice100 program is just that, it provides you with numerous choices and types of assistance for your borrowers. The program is utilized with Fannie Mae\'s 95% My Community Mortgage loan. We have structured the program to provide the borrower with a second mortgage of 5% along with the choice to pay a higher interest rate and receive 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.\r\n\r\nThis program can also be used for a rate/term refinance of existing loans. Any loan that is refinanced must prove a demonstrable benefit to the borrower (i.e. lower payments, term, or interest rates). Cash out refinances are not eligible.\r\n\r\nPlease review Program Guidelines for more detailed information, below are some highlights of the program.\r\n\r\n<strong>Eligible Lenders:</strong> Lenders must be approved as a 360 Mortgage Delegated Correspondent Lender and in good standing. 360 Mortgage requires that Lenders meet a minimum net worth requirement of $2.5 million to be eligible to sell this Program. Lenders should contact Priscilla Bohot at (512)418-6094 or <a href=\"mailto:pbohot@360mortgage.com\">pbohot@360mortgage.com</a> to inquire about becoming a participating lender. If you do not meet this requirement, please contact Dena Sherrill at <a href=\"mailto:dsherrill@reiok.org\">dsherrill@reiok.org</a> or Jeremy Layman at <a href=\"mailto:jlayman@reiok.org\">jlayman@reiok.org</a>.\r\n\r\n<strong>Program Highlights:</strong>\r\n\r\n<strong>Structure:</strong> This is a first and second mortgage program that are packaged together. The first mortgage loan is a 30 year fixed rate 95% My Community Mortgage and the second mortgage is utilized to pay the down payment, closing or mortgage insurance premiums associated with the first mortgage.\r\n\r\n<strong>Second Mortgage:</strong> The second mortgage is sized at 5% of the total first mortgage loan amount. The second mortgage is a 20 year fixed rate mortgage with an interest rate of 6.00%. There is no pre-payment penalties on the second mortgage. Borrower may be reimbursed for their earnest money and prepaid expenses.\r\n\r\n<strong>Interest rates:</strong> Multiple choices of Mortgage Loan Rates will be posted daily by 360 Mortgage. Rates are subject to change and confirmation by 360 Mortgage.\r\n\r\n<strong>Income Limits:</strong> Income limits apply based on qualifying <a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/09/Income-Worksheet.xls\">Income Worksheet</a>.\r\n\r\n<strong>Borrower Investment:</strong> Minimum borrower investment of 15, which must be derived from verified assets.\r\n\r\n<strong>Credit Score:</strong> Minimum credit score of 660.\r\n\r\n<strong>Maximum DTI:</strong> 45%\r\n\r\n<strong>Mortgage Insurance:</strong> MCM 95 loans require 16% charter coverage. MI coverage rates should match the MI coverage recommended by AUS and are subject to change. Lenders may select from the various monthly, split and single “lender paid” MI premium plans available, subject to mortgage insurer terms and conditions. Upfront single or split premiums may be funded by the Second Loan proceeds or from any available rebate pricing, as reflected in the daily rate sheet, or from a Seller’s concession.\r\n\r\n<strong>We are currently working with the following MI companies:</strong> Genworth, MGIC, and National MI. You must follow the MI companies HFA guidelines.\r\n\r\n<strong>First Time Home Buyer:</strong> No first-time home buyer requirement.\r\n\r\n<strong>Home Buyer Education:</strong> If all borrowers are first-time home buyers, at least one borrower must complete pre-purchase home-buyer education and counseling.\r\n\r\n<strong>Lender Compensation, Fees, and Purchase:</strong> Please review the Program Guidelines for compensation, loan fees, and purchase requirements.\r\n\r\n<strong>Forms:</strong>\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/03/2014-Area-Median-Incomes-Choice-100-Program2.pdf\" target=\"_blank\">2014 Area Median Incomes - Choice100 Programs</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/09/MORTGAGORS-AGREEMENT-DISCLOSURE-FORM.pdf\">Mortgagors Agreement &amp; Disclosure Form</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/08/Program-Guidelines-choice-100.pdf\">Program Guidelines Choice100</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/09/SECOND-LIEN-RIDER.pdf\">Second Lien Rider</a></li>\r\n</ul>', 'Choice100 Program', '', 'inherit', 'open', 'open', '', '217-revision-v1', '', '', '2014-03-26 21:59:57', '2014-03-26 21:59:57', '', 217, 'http://reidownpayment.org/217-revision-v1/', 0, 'revision', '', 0),
(396, 2, '2014-04-01 15:30:34', '2014-04-01 15:30:34', '<strong>REI CHOICE100 PROGRAM</strong> - Down Payment and Closing Cost Assistance - Fannie Mae My Community Mortgage Loans\r\n\r\nThe REI Choice100 program is just that, it provides you with numerous choices and types of assistance. The program is utilized with Fannie Mae\'s 95% My Community Mortgage loan. We have structured the program to provide you with a second mortgage of 5% along with the \"choice\" to pay a higher interest rate and receive 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\n<strong>Program Highlights:</strong>\r\n\r\n<strong>Structure:</strong> This is a first and second mortgage program that are packaged together. The first mortgage loan is a 30 year fixed rate 95% My Community Mortgage and the second mortgage is utilized to pay the down payment, closing or mortgage insurance premiums associated with the first mortgage.\r\n\r\n<strong>Second Mortgage:</strong> The second mortgage is sized at 5% of the total first mortgage loan amount. The second mortgage is a 20 year fixed rate mortgage with an interest rate of 6.00%. There are no pre-payment penalties on the second mortgage. Borrower may be reimbursed for their earnest money and prepaid expenses.\r\n\r\n<strong>Lenders:</strong> You may use the lender of your choice, if they are approved for the REI Choice100 program. Many lenders throughout the state are approved. If you are using a lender that is not familiar with the program or is not approved, please have them contact Dena Sherrill, REI Down Payment Assistance Manager at 800-658-2823 or <a href=\"mailto:dsherrill@reiok.org\">dsherrill@reiok.org</a>.\r\n\r\n<strong>Income Limits:</strong> Income limits apply based on qualifying <a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/03/2014-Area-Median-Incomes-Choice-100-Program2.pdf\" target=\"_blank\">income</a>.\r\n\r\n<strong>Credit Score:</strong> Minimum credit score of 660.\r\n\r\n<strong>Mortgage Insurance:</strong> Required coverage amount is lower than normal My Community Mortgage loans.\r\n\r\n<strong>First Time Home Buyer:</strong> You do not have to be a first-time home buyer for this program.\r\n\r\n<strong>Home Buyer Education:</strong> If all borrowers are first-time home buyers, at least one borrower must complete pre-purchase home-buyer education and counseling.\r\n\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/03/2014-Area-Median-Incomes-Choice-100-Program2.pdf\" target=\"_blank\">2014 Area Median Incomes - Choice100 Program</a>', 'Choice100 Program', '', 'inherit', 'open', 'open', '', '171-revision-v1', '', '', '2014-04-01 15:30:34', '2014-04-01 15:30:34', '', 171, 'http://reidownpayment.org/171-revision-v1/', 0, 'revision', '', 0),
(397, 2, '2014-04-03 15:13:57', '2014-04-03 15:13:57', '<img class=\"size-full wp-image-146 alignright\" alt=\"homebuyers-pic-1\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/homebuyers-pic-1.png\" width=\"348\" height=\"348\" />\r\n\r\n<strong>REI Market Rate Program</strong> - 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\n<strong>Program Highlights:</strong>\r\n\r\n<strong>Structure:</strong> This is a first and second mortgage program that are packaged together. The first mortgage loan is a 30 year fixed rate government loan and the second mortgage is utilized to pay the closing costs associated with closing of the first mortgage loan.\r\n\r\n<strong>Second Mortgage:</strong> 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\n<strong>Lenders:</strong> 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 <a href=\"mailto:dsherrill@reiok.org\">dsherrill@reiok.org</a>.\r\n\r\n<strong>Income Limits:</strong> Income limits apply based on household <a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/08/2013-Area-Median-Incomes-Bond-Program-2.pdf\">income</a>. Rural Development standard income limits apply.<strong>\r\n</strong>\r\n\r\n<strong>Credit Score:</strong> Minimum credit score of 640\r\n\r\n<strong>First-Time Homebuyer:</strong> You do not have to be a first-time homebuyer for this program.\r\n\r\n<strong>For Example:</strong> 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.\r\n\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/09/2013-Area-Median-Incomes-Bond-Program.pdf\">2013 Area Median Incomes - Market Rate Program</a>', 'Gift100', '', 'inherit', 'open', 'open', '', '168-revision-v1', '', '', '2014-04-03 15:13:57', '2014-04-03 15:13:57', '', 168, 'http://reidownpayment.org/168-revision-v1/', 0, 'revision', '', 0),
(398, 2, '2016-05-12 20:00:52', '2016-05-12 20:00:52', '<img class=\"size-full wp-image-146 alignright\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/homebuyers-pic-1.png\" alt=\"homebuyers-pic-1\" width=\"348\" height=\"348\" />\n\n<strong>REI Gift100 Program\n</strong>\n\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:\n<ul>\n	<li>FHA</li>\n	<li>VA</li>\n	<li>Rural Development</li>\n	<li>HUD Section 184</li>\n	<li>Fannie Mae HFA Preferred</li>\n</ul>\nRate/term refinance on any of the above loan products.\n\n<strong>Program Highlights:</strong>\n\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:\n<ul>\n	<li>FHA, VA, Rural Development &amp; HUD Section 184\n<ul>\n	<li>Gift of 3.5 or 5.0% of the total loan amount</li>\n</ul>\n</li>\n	<li>Fannie Mae HFA Preferred\n<ul>\n	<li>Gift of 3, 4, or 5% of the total loan amount</li>\n</ul>\n</li>\n</ul>\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>.\n\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.\n\n<strong>Credit Score:</strong>\n<ul>\n	<li>FHA, VA, Rural Development &amp; HUD Section 184\n<ul>\n	<li><span style=\"color: #190707;\">Minimum Credit Score of 640</span></li>\n</ul>\n</li>\n	<li>Fannie Mae HFA Preferred\n<ul>\n	<li>680 for loans &gt; 95% LTV</li>\n	<li>640 for loans =/&lt; 95% LTV</li>\n</ul>\n</li>\n</ul>\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>\n</strong>\n\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>\n<ul>\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>\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>\n</ul>', 'REI Gift100 Program', '', 'inherit', 'open', 'open', '', '168-autosave-v1', '', '', '2016-05-12 20:00:52', '2016-05-12 20:00:52', '', 168, 'http://reidownpayment.org/168-autosave-v1/', 0, 'revision', '', 0),
(399, 2, '2014-04-03 15:15:43', '2014-04-03 15:15:43', '<img class=\"size-full wp-image-146 alignright\" alt=\"homebuyers-pic-1\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/homebuyers-pic-1.png\" width=\"348\" height=\"348\" />\r\n\r\n<strong>REI Gift100</strong>\r\n\r\nREI Down Payment Assistance invests in Oklahoma’s future by providing housing opportunities to low income individuals and families. The new statewide REI Gift100 Program provides a competitive first mortgage and down payment/closing cost assistance to eligible mortgagors.  The down payment is in the form of a gift, you are not required to pay this back and there will not be any second liens or deed restrictions against your property.  This program can be used with the following loan types:\r\n<ul>\r\n	<li>FHA</li>\r\n	<li>VA</li>\r\n	<li>Rural Development</li>\r\n	<li>HUD Section 184</li>\r\n</ul>\r\nRate/term refinance on any of the above loan products.\r\n\r\n<strong>Program Highlights:</strong>\r\n\r\n<strong>Structure:</strong> Up to 4.5% of the total loan amount in the form of a gift.  The funds may be used to fund up to 100% of the Borrower\'s cash requirement to close, including the down payment, closing costs, pre-paid items and other related Mortgage Loan fees and expenses.\r\n\r\n<strong>Lenders:</strong> You may use the lender of your choice, if they are approved for the REI Gift100 program.   Many lenders throughout the state are approved.  If you are using a lender that is not familiar with the program or is not approved, please have them contact Dena Sherrill, REI Down Payment Assistance Manager at 800-658-2823 or <a href=\"mailto:dsherrill@reiok.org\">dsherrill@reiok.org</a>.\r\n\r\n<strong>Income Limits:</strong> Income limits apply based on qualifying income and household size.  Click on the Area Median Income link below to view income requirements.\r\n\r\n<strong>Credit Score:</strong> Minimum credit score of 640.\r\n\r\n<strong>First Time Home Buyer:</strong> You do not have to be a first-time home buyer for this program.\r\n\r\n<strong>Home Buyer Education:</strong> Recommended but not required.\r\n\r\n2014 Area Median Incomes - Gift100 Program', 'Gift100', '', 'inherit', 'open', 'open', '', '168-revision-v1', '', '', '2014-04-03 15:15:43', '2014-04-03 15:15:43', '', 168, 'http://reidownpayment.org/168-revision-v1/', 0, 'revision', '', 0),
(400, 2, '2014-04-03 15:16:17', '2014-04-03 15:16:17', '', '2014 Area Median Incomes - Gift 100 Program', '', 'inherit', 'open', 'open', '', '2014-area-median-incomes-gift-100-program', '', '', '2014-04-03 15:16:17', '2014-04-03 15:16:17', '', 0, 'http://reidownpayment.org/wp/wp-content/uploads/2014/04/2014-Area-Median-Incomes-Gift-100-Program.pdf', 0, 'attachment', 'application/pdf', 0),
(401, 2, '2014-04-03 15:16:45', '2014-04-03 15:16:45', '<img class=\"size-full wp-image-146 alignright\" alt=\"homebuyers-pic-1\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/homebuyers-pic-1.png\" width=\"348\" height=\"348\" />\r\n\r\n<strong>REI Gift100</strong>\r\n\r\nREI Down Payment Assistance invests in Oklahoma’s future by providing housing opportunities to low income individuals and families. The new statewide REI Gift100 Program provides a competitive first mortgage and down payment/closing cost assistance to eligible mortgagors.  The down payment is in the form of a gift, you are not required to pay this back and there will not be any second liens or deed restrictions against your property.  This program can be used with the following loan types:\r\n<ul>\r\n	<li>FHA</li>\r\n	<li>VA</li>\r\n	<li>Rural Development</li>\r\n	<li>HUD Section 184</li>\r\n</ul>\r\nRate/term refinance on any of the above loan products.\r\n\r\n<strong>Program Highlights:</strong>\r\n\r\n<strong>Structure:</strong> Up to 4.5% of the total loan amount in the form of a gift.  The funds may be used to fund up to 100% of the Borrower\'s cash requirement to close, including the down payment, closing costs, pre-paid items and other related Mortgage Loan fees and expenses.\r\n\r\n<strong>Lenders:</strong> You may use the lender of your choice, if they are approved for the REI Gift100 program.   Many lenders throughout the state are approved.  If you are using a lender that is not familiar with the program or is not approved, please have them contact Dena Sherrill, REI Down Payment Assistance Manager at 800-658-2823 or <a href=\"mailto:dsherrill@reiok.org\">dsherrill@reiok.org</a>.\r\n\r\n<strong>Income Limits:</strong> Income limits apply based on qualifying income and household size.  Click on the Area Median Income link below to view income requirements.\r\n\r\n<strong>Credit Score:</strong> Minimum credit score of 640.\r\n\r\n<strong>First Time Home Buyer:</strong> You do not have to be a first-time home buyer for this program.\r\n\r\n<strong>Home Buyer Education:</strong> Recommended but not required.\r\n\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/04/2014-Area-Median-Incomes-Gift-100-Program.pdf\" target=\"_blank\">2014 Area Median Incomes - Gift100 Program</a>', 'Gift100', '', 'inherit', 'open', 'open', '', '168-revision-v1', '', '', '2014-04-03 15:16:45', '2014-04-03 15:16:45', '', 168, 'http://reidownpayment.org/168-revision-v1/', 0, 'revision', '', 0),
(403, 2, '2014-04-03 15:20:48', '2014-04-03 15:20:48', '<b>REI GIFT100 PROGRAM</b>\r\n\r\nREI Down Payment Assistance invests in Oklahoma’s future by providing housing opportunities to low income individuals and families.  The new statewide REI Gift100 Program provides a competitive first mortgage and down payment and closing cost assistance to eligible mortgagors. The down payment is in the form of a gift, second liens or deed restrictions are not required for this program. The program includes the following loan types:\r\n<ul>\r\n	<li>FHA – 203(b), 234(c) &amp; 203ks (lenders must have an additional approval from U.S. Bank to originate 203ks loans) – 30 year fixed rate</li>\r\n	<li>VA – 203(b) &amp; 234(c) – 30 year fixed rate</li>\r\n	<li>Rural Housing Guaranteed Loan – 30 year fixed rate</li>\r\n	<li>HUD Section 184 – 30 year fixed rate</li>\r\n</ul>\r\nRate/term refinance on any of the above loan products.<strong>\r\n</strong>\r\n\r\n<strong>Lenders:</strong> Lenders must be approved by U.S. Bank to participate in the REI Gift100 program.  Interested lenders should contact U.S. Bank Help desk at 1-800-562-5165 or mrbp.helpdesk@usbank.com.  You can also contact Dena Sherrill, Housing Program Manager, REI Down Payment Assistance at 1-800-658-2823 or dsherrill@reiok.org or Jeremy Layman, Housing Program Specialist at jlayman@reiok.org.\r\n<p align=\"center\"><b>***Third Party Origination is not allowed***</b></p>\r\n <strong>Program Highlights</strong>\r\n\r\n<strong>Structure:</strong> Up to 4.5% of the total loan amount in the form of a gift. The funds may be used to fund up to 100% of the Borrower\'s cash requirement to close, including the down payment, closing costs, pre-paid items and other related Mortgage Loan fees and expenses.  No portion of the gift funds can be paid to the Borrower unless the Borrower is being reimbursed for an overage of his/her earnest money deposit to the extent the minimum Borrower contribution has been satisfied.  Under the rate/term refinance option, any funds above the amount needed to pay the Borrower\'s loan related costs must be used to reduce the principal amount of the First Mortgage loan.\r\n\r\n<b>First Mortgage Origination Fee:  </b>Up to 1%.\r\n\r\n<strong>Interest rates:</strong> REI Down Payment Assistance will post First Mortgage interest rates by 9:00 a.m. C.S.T. daily on the Lender Portal at www.reigift100.org.  The rates are based on a 45 day or 60 day lock reservation to lender.    Loans must be delivered and purchased by U.S. Bank prior to rate lock expiration.  One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>15 days is 0.1875%</li>\r\n	<li>30 days is 0.375%</li>\r\n</ul>\r\n<p align=\"center\"><b>***Rates can be subject to intra-day pricing changes***</b></p>\r\n<strong>Income Limits:</strong> FHA, VA, &amp; HUD 184 - The Borrower\'s qualifying income must not exceed Program Income Limits.  Click on Area Median Income below to view income limits.  They can also be found in the Lender Portal at www.reigift100.org.\r\n\r\nRural Development Loans - Income is based on Adjusted Household Income per Rural Development\'s Guidelines.  Income limits can be found by <span style=\"text-decoration: underline;\">clicking here</span>.\r\n\r\n<b>***Lenders will be responsible for ensuring that the income meets program guidelines.***</b>\r\n\r\n<strong>Credit Score:</strong> Minimum credit score of 640.\r\n\r\n<strong>Maximum DTI:</strong> 45%\r\n\r\n<strong>First Time Home Buyer:</strong> No first-time home buyer requirement.\r\n\r\n<strong>Home Buyer Education:</strong> Recommended but not required.\r\n\r\n<strong>Lender Compensation, Fees, and Purchase:</strong> Please review the Program Summary and Program Guidelines below for compensation, loan fees, and purchase requirements.  These documents can also be found on the Lender Portal at www.reigift100.org.\r\n\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/04/2014-Area-Median-Incomes-Gift-100-Program.pdf\" target=\"_blank\">2014 Area Median Income - Gift100 Program</a>', 'Gift100', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2014-04-03 15:20:48', '2014-04-03 15:20:48', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(404, 2, '2014-04-03 15:21:58', '2014-04-03 15:21:58', '<b>REI GIFT100 PROGRAM</b>\r\n\r\nREI Down Payment Assistance invests in Oklahoma’s future by providing housing opportunities to low income individuals and families.  The new statewide REI Gift100 Program provides a competitive first mortgage and down payment and closing cost assistance to eligible mortgagors. The down payment is in the form of a gift, second liens or deed restrictions are not required for this program. The program includes the following loan types:\r\n<ul>\r\n	<li>FHA – 203(b), 234(c) &amp; 203ks (lenders must have an additional approval from U.S. Bank to originate 203ks loans) – 30 year fixed rate</li>\r\n	<li>VA – 203(b) &amp; 234(c) – 30 year fixed rate</li>\r\n	<li>Rural Housing Guaranteed Loan – 30 year fixed rate</li>\r\n	<li>HUD Section 184 – 30 year fixed rate</li>\r\n</ul>\r\nRate/term refinance on any of the above loan products.<strong>\r\n</strong>\r\n\r\n<strong>Lenders:</strong> Lenders must be approved by U.S. Bank to participate in the REI Gift100 program.  Interested lenders should contact U.S. Bank Help desk at 1-800-562-5165 or mrbp.helpdesk@usbank.com.  You can also contact Dena Sherrill, Housing Program Manager, REI Down Payment Assistance at 1-800-658-2823 or dsherrill@reiok.org or Jeremy Layman, Housing Program Specialist at jlayman@reiok.org.\r\n<p align=\"center\"><b>***Third Party Origination is not allowed***</b></p>\r\n <strong>Program Highlights</strong>\r\n\r\n<strong>Structure:</strong> Up to 4.5% of the total loan amount in the form of a gift. The funds may be used to fund up to 100% of the Borrower\'s cash requirement to close, including the down payment, closing costs, pre-paid items and other related Mortgage Loan fees and expenses.  No portion of the gift funds can be paid to the Borrower unless the Borrower is being reimbursed for an overage of his/her earnest money deposit to the extent the minimum Borrower contribution has been satisfied.  Under the rate/term refinance option, any funds above the amount needed to pay the Borrower\'s loan related costs must be used to reduce the principal amount of the First Mortgage loan.\r\n\r\n<b>First Mortgage Origination Fee:  </b>Up to 1%.\r\n\r\n<strong>Interest rates:</strong> REI Down Payment Assistance will post First Mortgage interest rates by 9:00 a.m. C.S.T. daily on the Lender Portal at www.reigift100.org.  The rates are based on a 45 day or 60 day lock reservation to lender.    Loans must be delivered and purchased by U.S. Bank prior to rate lock expiration.  One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>15 days is 0.1875%</li>\r\n	<li>30 days is 0.375%</li>\r\n</ul>\r\n<p align=\"center\"><b>***Rates can be subject to intra-day pricing changes***</b></p>\r\n<strong>Income Limits:</strong> FHA, VA, &amp; HUD 184 - The Borrower\'s qualifying income must not exceed Program Income Limits.  Click on Area Median Income below to view income limits.  They can also be found in the Lender Portal at www.reigift100.org.\r\n\r\nRural Development Loans - Income is based on Adjusted Household Income per Rural Development\'s Guidelines.  Income limits can be found by <a href=\"http://www.rurdev.usda.gov/SupportDocuments/OK%20GRH.pdf\" target=\"_blank\"><span style=\"text-decoration: underline;\">clicking here</span></a>.\r\n\r\n<b>***Lenders will be responsible for ensuring that the income meets program guidelines.***</b>\r\n\r\n<strong>Credit Score:</strong> Minimum credit score of 640.\r\n\r\n<strong>Maximum DTI:</strong> 45%\r\n\r\n<strong>First Time Home Buyer:</strong> No first-time home buyer requirement.\r\n\r\n<strong>Home Buyer Education:</strong> Recommended but not required.\r\n\r\n<strong>Lender Compensation, Fees, and Purchase:</strong> Please review the Program Summary and Program Guidelines below for compensation, loan fees, and purchase requirements.  These documents can also be found on the Lender Portal at www.reigift100.org.\r\n\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/04/2014-Area-Median-Incomes-Gift-100-Program.pdf\" target=\"_blank\">2014 Area Median Income - Gift100 Program</a>', 'Gift100', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2014-04-03 15:21:58', '2014-04-03 15:21:58', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(405, 2, '2014-04-03 15:22:29', '2014-04-03 15:22:29', '<b>REI GIFT100 PROGRAM</b>\r\n\r\nREI Down Payment Assistance invests in Oklahoma’s future by providing housing opportunities to low income individuals and families.  The new statewide REI Gift100 Program provides a competitive first mortgage and down payment and closing cost assistance to eligible mortgagors. The down payment is in the form of a gift, second liens or deed restrictions are not required for this program. The program includes the following loan types:\r\n<ul>\r\n	<li>FHA – 203(b), 234(c) &amp; 203ks (lenders must have an additional approval from U.S. Bank to originate 203ks loans) – 30 year fixed rate</li>\r\n	<li>VA – 203(b) &amp; 234(c) – 30 year fixed rate</li>\r\n	<li>Rural Housing Guaranteed Loan – 30 year fixed rate</li>\r\n	<li>HUD Section 184 – 30 year fixed rate</li>\r\n</ul>\r\nRate/term refinance on any of the above loan products.<strong>\r\n</strong>\r\n\r\n<strong>Lenders:</strong> Lenders must be approved by U.S. Bank to participate in the REI Gift100 program.  Interested lenders should contact U.S. Bank Help desk at 1-800-562-5165 or mrbp.helpdesk@usbank.com.  You can also contact Dena Sherrill, Housing Program Manager, REI Down Payment Assistance at 1-800-658-2823 or <a href=\"mailto:dsherrill@reiok.org\" target=\"_blank\">dsherrill@reiok.org</a> or Jeremy Layman, Housing Program Specialist at <a href=\"mailto:jlayman@reiok.org\" target=\"_blank\">jlayman@reiok.org</a>.\r\n<p align=\"center\"><b>***Third Party Origination is not allowed***</b></p>\r\n <strong>Program Highlights</strong>\r\n\r\n<strong>Structure:</strong> Up to 4.5% of the total loan amount in the form of a gift. The funds may be used to fund up to 100% of the Borrower\'s cash requirement to close, including the down payment, closing costs, pre-paid items and other related Mortgage Loan fees and expenses.  No portion of the gift funds can be paid to the Borrower unless the Borrower is being reimbursed for an overage of his/her earnest money deposit to the extent the minimum Borrower contribution has been satisfied.  Under the rate/term refinance option, any funds above the amount needed to pay the Borrower\'s loan related costs must be used to reduce the principal amount of the First Mortgage loan.\r\n\r\n<b>First Mortgage Origination Fee:  </b>Up to 1%.\r\n\r\n<strong>Interest rates:</strong> REI Down Payment Assistance will post First Mortgage interest rates by 9:00 a.m. C.S.T. daily on the Lender Portal at www.reigift100.org.  The rates are based on a 45 day or 60 day lock reservation to lender.    Loans must be delivered and purchased by U.S. Bank prior to rate lock expiration.  One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>15 days is 0.1875%</li>\r\n	<li>30 days is 0.375%</li>\r\n</ul>\r\n<p align=\"center\"><b>***Rates can be subject to intra-day pricing changes***</b></p>\r\n<strong>Income Limits:</strong> FHA, VA, &amp; HUD 184 - The Borrower\'s qualifying income must not exceed Program Income Limits.  Click on Area Median Income below to view income limits.  They can also be found in the Lender Portal at www.reigift100.org.\r\n\r\nRural Development Loans - Income is based on Adjusted Household Income per Rural Development\'s Guidelines.  Income limits can be found by <a href=\"http://www.rurdev.usda.gov/SupportDocuments/OK%20GRH.pdf\" target=\"_blank\"><span style=\"text-decoration: underline;\">clicking here</span></a>.\r\n\r\n<b>***Lenders will be responsible for ensuring that the income meets program guidelines.***</b>\r\n\r\n<strong>Credit Score:</strong> Minimum credit score of 640.\r\n\r\n<strong>Maximum DTI:</strong> 45%\r\n\r\n<strong>First Time Home Buyer:</strong> No first-time home buyer requirement.\r\n\r\n<strong>Home Buyer Education:</strong> Recommended but not required.\r\n\r\n<strong>Lender Compensation, Fees, and Purchase:</strong> Please review the Program Summary and Program Guidelines below for compensation, loan fees, and purchase requirements.  These documents can also be found on the Lender Portal at www.reigift100.org.\r\n\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/04/2014-Area-Median-Incomes-Gift-100-Program.pdf\" target=\"_blank\">2014 Area Median Income - Gift100 Program</a>', 'Gift100', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2014-04-03 15:22:29', '2014-04-03 15:22:29', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(406, 2, '2014-04-03 15:26:28', '2014-04-03 15:26:28', '<div lang=\"EN-US\">\r\n\r\nREI Down Payment Assistance provides closing cost assistance to eligible borrowers through partnerships with lenders across the state. The programs are developed for people who have good jobs and the ability to re-pay a loan, but have not been able to save for the down payment or closing costs on a home.\r\n\r\n<strong><a title=\"Choice100 Program\" href=\"http://reidownpayment.org/home-buyers/choice-100/\">REI CHOICE100 </a></strong><a title=\"Choice100 Program\" href=\"http://reidownpayment.org/home-buyers/choice-100/\">(click for more info)</a>\r\n<strong>Down Payment and Closing Cost Assistance - Fannie Mae My Community Mortgage Loans</strong>\r\n\r\nThe REI Choice100 program is just that, it provides you with numerous choices and types of assistance. 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\n<strong><a href=\"http://reidownpayment.org/home-buyers/gift100/\">REI Gift100 (click for more info)</a></strong>\r\n<strong>Down Payment and Closing Cost Assistance</strong>\r\n\r\nREI Down Payment Assistance invests in Oklahoma’s future by providing housing opportunities to low income individuals and families. The new statewide REI Gift100 Program provides a competitive first mortgage and down payment/closing cost assistance to eligible mortgagors.  The down payment is in the form of a gift, you are not required to pay this back and there will not be any second liens or deed restrictions against your property.\r\n\r\n</div>', 'Home Buyers', '', 'inherit', 'open', 'open', '', '6-revision-v1', '', '', '2014-04-03 15:26:28', '2014-04-03 15:26:28', '', 6, 'http://reidownpayment.org/6-revision-v1/', 0, 'revision', '', 0),
(407, 2, '2014-04-03 15:26:46', '2014-04-03 15:26:46', '<div lang=\"EN-US\">\r\n\r\nREI Down Payment Assistance provides closing cost assistance to eligible borrowers through partnerships with lenders across the state. The programs are developed for people who have good jobs and the ability to re-pay a loan, but have not been able to save for the down payment or closing costs on a home.\r\n\r\n<strong><a title=\"Choice100 Program\" href=\"http://reidownpayment.org/home-buyers/choice-100/\">REI CHOICE100 </a></strong><a title=\"Choice100 Program\" href=\"http://reidownpayment.org/home-buyers/choice-100/\">(click for more info)</a>\r\n<strong>Down Payment and Closing Cost Assistance - Fannie Mae My Community Mortgage Loans</strong>\r\n\r\nThe REI Choice100 program is just that, it provides you with numerous choices and types of assistance. 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\n<strong><a href=\"http://reidownpayment.org/home-buyers/gift100/\">REI Gift100 </a></strong><a href=\"http://reidownpayment.org/home-buyers/gift100/\">(click for more info)</a>\r\n<strong>Down Payment and Closing Cost Assistance</strong>\r\n\r\nREI Down Payment Assistance invests in Oklahoma’s future by providing housing opportunities to low income individuals and families. The new statewide REI Gift100 Program provides a competitive first mortgage and down payment/closing cost assistance to eligible mortgagors.  The down payment is in the form of a gift, you are not required to pay this back and there will not be any second liens or deed restrictions against your property.\r\n\r\n</div>', 'Home Buyers', '', 'inherit', 'open', 'open', '', '6-revision-v1', '', '', '2014-04-03 15:26:46', '2014-04-03 15:26:46', '', 6, 'http://reidownpayment.org/6-revision-v1/', 0, 'revision', '', 0),
(408, 2, '2014-04-03 15:28:15', '2014-04-03 15:28:15', '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 REI CHOICE100, a versatile option that allows you and your lender to structure the mortgage loan to fit your individual closing cost and down payment requirements.\r\n\r\n<strong><a title=\"Choice100 Program\" href=\"http://reidownpayment.org/lenders/choice100-program/\">REI CHOICE100 </a></strong><a title=\"Choice100 Program\" href=\"http://reidownpayment.org/lenders/choice100-program/\">(click for more info)</a>\r\n<strong>Down Payment and Closing Cost Assistance - Fannie Mae My Community Mortgage Loans</strong>\r\n\r\nThe REI Choice100 program is just that, it provides you with numerous choices and types of assistance for your borrowers. The program is utilized with Fannie Mae\'s 95% My Community Mortgage loan. We have structured the program to provide the borrower with a second mortgage of 5% along with the choice to pay a higher interest rate and receive 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.\r\n\r\nThis program can also be used for a rate/term refinance of existing loans. Any loan that is refinanced must prove a demonstrable benefit to the borrower (i.e. lower payments, term, or interest rates). Cash out refinances are not eligible.\r\n\r\n<a href=\"http://reidownpayment.org/lenders/gift100/\"><strong>REI Gift100 </strong>(click for more info)</a>\r\n<strong>Down Payment and Closing Cost Assistance</strong>\r\n\r\nREI Down Payment Assistance invests in Oklahoma’s future by providing housing opportunities to low income individuals and families. The new statewide REI Gift100 Program provides a competitive first mortgage and down payment and closing cost assistance to eligible mortgagors. The down payment is in the form of a gift, second liens or deed restrictions are not required for this program.', 'Lenders', '', 'inherit', 'open', 'open', '', '7-revision-v1', '', '', '2014-04-03 15:28:15', '2014-04-03 15:28:15', '', 7, 'http://reidownpayment.org/7-revision-v1/', 0, 'revision', '', 0);
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(409, 2, '2014-04-03 15:31:15', '2014-04-03 15:31:15', '<b>REI GIFT100 PROGRAM</b>\r\n\r\nREI Down Payment Assistance invests in Oklahoma’s future by providing housing opportunities to low income individuals and families.  The new statewide REI Gift100 Program provides a competitive first mortgage and down payment and closing cost assistance to eligible mortgagors. The down payment is in the form of a gift, second liens or deed restrictions are not required for this program. The program includes the following loan types:\r\n<ul>\r\n	<li>FHA – 203(b), 234(c) &amp; 203ks (lenders must have an additional approval from U.S. Bank to originate 203ks loans) – 30 year fixed rate</li>\r\n	<li>VA – 203(b) &amp; 234(c) – 30 year fixed rate</li>\r\n	<li>Rural Housing Guaranteed Loan – 30 year fixed rate</li>\r\n	<li>HUD Section 184 – 30 year fixed rate</li>\r\n</ul>\r\nRate/term refinance on any of the above loan products.<strong>\r\n</strong>\r\n\r\n<strong>Lenders:</strong> Lenders must be approved by U.S. Bank to participate in the REI Gift100 program.  Interested lenders should contact U.S. Bank Help desk at 1-800-562-5165 or mrbp.helpdesk@usbank.com.  You can also contact Dena Sherrill, Housing Program Manager, REI Down Payment Assistance at 1-800-658-2823 or <a href=\"mailto:dsherrill@reiok.org\" target=\"_blank\">dsherrill@reiok.org</a> or Jeremy Layman, Housing Program Specialist at <a href=\"mailto:jlayman@reiok.org\" target=\"_blank\">jlayman@reiok.org</a>.\r\n<p align=\"center\"><b>***Third Party Origination is not allowed***</b></p>\r\n <strong>Program Highlights</strong>\r\n\r\n<strong>Structure:</strong> Up to 4.5% of the total loan amount in the form of a gift. The funds may be used to fund up to 100% of the Borrower\'s cash requirement to close, including the down payment, closing costs, pre-paid items and other related Mortgage Loan fees and expenses.  No portion of the gift funds can be paid to the Borrower unless the Borrower is being reimbursed for an overage of his/her earnest money deposit to the extent the minimum Borrower contribution has been satisfied.  Under the rate/term refinance option, any funds above the amount needed to pay the Borrower\'s loan related costs must be used to reduce the principal amount of the First Mortgage loan.\r\n\r\n<b>First Mortgage Origination Fee:  </b>Up to 1%.\r\n\r\n<strong>Interest rates:</strong> REI Down Payment Assistance will post First Mortgage interest rates by 9:00 a.m. C.S.T. daily on the Lender Portal at www.reigift100.org.  The rates are based on a 45 day or 60 day lock reservation to lender.    Loans must be delivered and purchased by U.S. Bank prior to rate lock expiration.  One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>15 days is 0.1875%</li>\r\n	<li>30 days is 0.375%</li>\r\n</ul>\r\n<p align=\"center\"><b>***Rates can be subject to intra-day pricing changes***</b></p>\r\n<strong>Income Limits:</strong> FHA, VA, &amp; HUD 184 - The Borrower\'s qualifying income must not exceed Program Income Limits.  Click on Area Median Income below to view income limits.  They can also be found in the Lender Portal at www.reigift100.org.\r\n\r\nRural Development Loans - Income is based on Adjusted Household Income per Rural Development\'s Guidelines.  Income limits can be found by <a href=\"http://www.rurdev.usda.gov/SupportDocuments/OK%20GRH.pdf\" target=\"_blank\"><span style=\"text-decoration: underline;\">clicking here</span></a>.\r\n\r\n<b>***Lenders will be responsible for ensuring that the income meets program guidelines.***</b>\r\n\r\n<strong>Credit Score:</strong> Minimum credit score of 640.\r\n\r\n<strong>Maximum DTI:</strong> 45%\r\n\r\n<strong>First Time Home Buyer:</strong> No first-time home buyer requirement.\r\n\r\n<strong>Home Buyer Education:</strong> Recommended but not required.\r\n\r\n<strong>Lender Compensation, Fees, and Purchase:</strong> Please review the Program Summary and Program Guidelines below for compensation, loan fees, and purchase requirements.  These documents can also be found on the Lender Portal at <a href=\"http://www.reigift100.org/\" target=\"_blank\">www.reigift100.org</a>.\r\n\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/04/2014-Area-Median-Incomes-Gift-100-Program.pdf\" target=\"_blank\">2014 Area Median Income - Gift100 Program</a>', 'Gift100', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2014-04-03 15:31:15', '2014-04-03 15:31:15', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(410, 2, '2014-04-03 15:33:15', '2014-04-03 15:33:15', '<b>REI GIFT100 PROGRAM</b>\r\n\r\nREI Down Payment Assistance invests in Oklahoma’s future by providing housing opportunities to low income individuals and families.  The new statewide REI Gift100 Program provides a competitive first mortgage and down payment and closing cost assistance to eligible mortgagors. The down payment is in the form of a gift, second liens or deed restrictions are not required for this program. The program includes the following loan types:\r\n<ul>\r\n	<li>FHA – 203(b), 234(c) &amp; 203ks (lenders must have an additional approval from U.S. Bank to originate 203ks loans) – 30 year fixed rate</li>\r\n	<li>VA – 203(b) &amp; 234(c) – 30 year fixed rate</li>\r\n	<li>Rural Housing Guaranteed Loan – 30 year fixed rate</li>\r\n	<li>HUD Section 184 – 30 year fixed rate</li>\r\n</ul>\r\nRate/term refinance on any of the above loan products.<strong>\r\n</strong>\r\n\r\n<strong>Lenders:</strong> Lenders must be approved by U.S. Bank to participate in the REI Gift100 program.  Interested lenders should contact U.S. Bank Help desk at 1-800-562-5165 or <a href=\"mailto:mrbp.helpdesk@usbank.com\" target=\"_blank\">mrbp.helpdesk@usbank.com</a>.  You can also contact Dena Sherrill, Housing Program Manager, REI Down Payment Assistance at 1-800-658-2823 or <a href=\"mailto:dsherrill@reiok.org\" target=\"_blank\">dsherrill@reiok.org</a> or Jeremy Layman, Housing Program Specialist at <a href=\"mailto:jlayman@reiok.org\" target=\"_blank\">jlayman@reiok.org</a>.\r\n<p align=\"center\"><b>***Third Party Origination is not allowed***</b></p>\r\n <strong>Program Highlights</strong>\r\n\r\n<strong>Structure:</strong> Up to 4.5% of the total loan amount in the form of a gift. The funds may be used to fund up to 100% of the Borrower\'s cash requirement to close, including the down payment, closing costs, pre-paid items and other related Mortgage Loan fees and expenses.  No portion of the gift funds can be paid to the Borrower unless the Borrower is being reimbursed for an overage of his/her earnest money deposit to the extent the minimum Borrower contribution has been satisfied.  Under the rate/term refinance option, any funds above the amount needed to pay the Borrower\'s loan related costs must be used to reduce the principal amount of the First Mortgage loan.\r\n\r\n<b>First Mortgage Origination Fee:  </b>Up to 1%.\r\n\r\n<strong>Interest rates:</strong> REI Down Payment Assistance will post First Mortgage interest rates by 9:00 a.m. C.S.T. daily on the Lender Portal at www.reigift100.org.  The rates are based on a 45 day or 60 day lock reservation to lender.    Loans must be delivered and purchased by U.S. Bank prior to rate lock expiration.  One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>15 days is 0.1875%</li>\r\n	<li>30 days is 0.375%</li>\r\n</ul>\r\n<p align=\"center\"><b>***Rates can be subject to intra-day pricing changes***</b></p>\r\n<strong>Income Limits:</strong> FHA, VA, &amp; HUD 184 - The Borrower\'s qualifying income must not exceed Program Income Limits.  Click on Area Median Income below to view income limits.  They can also be found in the Lender Portal at www.reigift100.org.\r\n\r\nRural Development Loans - Income is based on Adjusted Household Income per Rural Development\'s Guidelines.  Income limits can be found by <a href=\"http://www.rurdev.usda.gov/SupportDocuments/OK%20GRH.pdf\" target=\"_blank\"><span style=\"text-decoration: underline;\">clicking here</span></a>.\r\n\r\n<b>***Lenders will be responsible for ensuring that the income meets program guidelines.***</b>\r\n\r\n<strong>Credit Score:</strong> Minimum credit score of 640.\r\n\r\n<strong>Maximum DTI:</strong> 45%\r\n\r\n<strong>First Time Home Buyer:</strong> No first-time home buyer requirement.\r\n\r\n<strong>Home Buyer Education:</strong> Recommended but not required.\r\n\r\n<strong>Lender Compensation, Fees, and Purchase:</strong> Please review the Program Summary and Program Guidelines below for compensation, loan fees, and purchase requirements.  These documents can also be found on the Lender Portal at <a href=\"http://www.reigift100.org/\" target=\"_blank\">www.reigift100.org</a>.\r\n\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/04/2014-Area-Median-Incomes-Gift-100-Program.pdf\" target=\"_blank\">2014 Area Median Income - Gift100 Program</a>', 'Gift100', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2014-04-03 15:33:15', '2014-04-03 15:33:15', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(411, 2, '2014-04-03 15:35:03', '2014-04-03 15:35:03', '<b>REI GIFT100 PROGRAM</b>\r\n\r\nREI Down Payment Assistance invests in Oklahoma’s future by providing housing opportunities to low income individuals and families.  The new statewide REI Gift100 Program provides a competitive first mortgage and down payment and closing cost assistance to eligible mortgagors. The down payment is in the form of a gift, second liens or deed restrictions are not required for this program. The program includes the following loan types:\r\n<ul>\r\n	<li>FHA – 203(b), 234(c) &amp; 203ks (lenders must have an additional approval from U.S. Bank to originate 203ks loans) – 30 year fixed rate</li>\r\n	<li>VA – 203(b) &amp; 234(c) – 30 year fixed rate</li>\r\n	<li>Rural Housing Guaranteed Loan – 30 year fixed rate</li>\r\n	<li>HUD Section 184 – 30 year fixed rate</li>\r\n</ul>\r\nRate/term refinance on any of the above loan products.<strong>\r\n</strong>\r\n\r\n<strong>Lenders:</strong> Lenders must be approved by U.S. Bank to participate in the REI Gift100 program.  Interested lenders should contact U.S. Bank Help desk at 1-800-562-5165 or <a href=\"mailto:mrbp.helpdesk@usbank.com\" target=\"_blank\">mrbp.helpdesk@usbank.com</a>.  You can also contact Dena Sherrill, Housing Program Manager, REI Down Payment Assistance at 1-800-658-2823 or <a href=\"mailto:dsherrill@reiok.org\" target=\"_blank\">dsherrill@reiok.org</a> or Jeremy Layman, Housing Program Specialist at <a href=\"mailto:jlayman@reiok.org\" target=\"_blank\">jlayman@reiok.org</a>.\r\n<p align=\"center\"><b>***Third Party Origination is not allowed***</b></p>\r\n <strong>Program Highlights</strong>\r\n\r\n<strong>Structure:</strong> Up to 4.5% of the total loan amount in the form of a gift. The funds may be used to fund up to 100% of the Borrower\'s cash requirement to close, including the down payment, closing costs, pre-paid items and other related Mortgage Loan fees and expenses.  No portion of the gift funds can be paid to the Borrower unless the Borrower is being reimbursed for an overage of his/her earnest money deposit to the extent the minimum Borrower contribution has been satisfied.  Under the rate/term refinance option, any funds above the amount needed to pay the Borrower\'s loan related costs must be used to reduce the principal amount of the First Mortgage loan.\r\n\r\n<b>First Mortgage Origination Fee:  </b>Up to 1%.\r\n\r\n<strong>Interest rates:</strong> REI Down Payment Assistance will post First Mortgage interest rates by 9:00 a.m. C.S.T. daily on the Lender Portal at www.reigift100.org.  The rates are based on a 45 day or 60 day lock reservation to lender.    Loans must be delivered and purchased by U.S. Bank prior to rate lock expiration.  One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>15 days is 0.1875%</li>\r\n	<li>30 days is 0.375%</li>\r\n</ul>\r\n<p align=\"center\"><b>***Rates can be subject to intra-day pricing changes***</b></p>\r\n<strong>Income Limits:</strong> FHA, VA, &amp; HUD 184 - The Borrower\'s qualifying income must not exceed Program Income Limits.  Click on Area Median Income below to view income limits.  They can also be found in the Lender Portal at <a href=\"http://www.reigift100.org/\" target=\"_blank\">www.reigift100.org</a>.\r\n\r\nRural Development Loans - Income is based on Adjusted Household Income per Rural Development\'s Guidelines.  Income limits can be found by <a href=\"http://www.rurdev.usda.gov/SupportDocuments/OK%20GRH.pdf\" target=\"_blank\"><span style=\"text-decoration: underline;\">clicking here</span></a>.\r\n\r\n<b>***Lenders will be responsible for ensuring that the income meets program guidelines.***</b>\r\n\r\n<strong>Credit Score:</strong> Minimum credit score of 640.\r\n\r\n<strong>Maximum DTI:</strong> 45%\r\n\r\n<strong>First Time Home Buyer:</strong> No first-time home buyer requirement.\r\n\r\n<strong>Home Buyer Education:</strong> Recommended but not required.\r\n\r\n<strong>Lender Compensation, Fees, and Purchase:</strong> Please review the Program Summary and Program Guidelines below for compensation, loan fees, and purchase requirements.  These documents can also be found on the Lender Portal at <a href=\"http://www.reigift100.org/\" target=\"_blank\">www.reigift100.org</a>.\r\n\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/04/2014-Area-Median-Incomes-Gift-100-Program.pdf\" target=\"_blank\">2014 Area Median Income - Gift100 Program</a>', 'Gift100', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2014-04-03 15:35:03', '2014-04-03 15:35:03', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(412, 2, '2014-04-03 15:36:14', '2014-04-03 15:36:14', '<b>REI GIFT100 PROGRAM</b>\r\n\r\nREI Down Payment Assistance invests in Oklahoma’s future by providing housing opportunities to low income individuals and families.  The new statewide REI Gift100 Program provides a competitive first mortgage and down payment and closing cost assistance to eligible mortgagors. The down payment is in the form of a gift, second liens or deed restrictions are not required for this program. The program includes the following loan types:\r\n<ul>\r\n	<li>FHA – 203(b), 234(c) &amp; 203ks (lenders must have an additional approval from U.S. Bank to originate 203ks loans) – 30 year fixed rate</li>\r\n	<li>VA – 203(b) &amp; 234(c) – 30 year fixed rate</li>\r\n	<li>Rural Housing Guaranteed Loan – 30 year fixed rate</li>\r\n	<li>HUD Section 184 – 30 year fixed rate</li>\r\n</ul>\r\nRate/term refinance on any of the above loan products.<strong>\r\n</strong>\r\n\r\n<strong>Lenders:</strong> Lenders must be approved by U.S. Bank to participate in the REI Gift100 program.  Interested lenders should contact U.S. Bank Help desk at 1-800-562-5165 or <a href=\"mailto:mrbp.helpdesk@usbank.com\" target=\"_blank\">mrbp.helpdesk@usbank.com</a>.  You can also contact Dena Sherrill, Housing Program Manager, REI Down Payment Assistance at 1-800-658-2823 or <a href=\"mailto:dsherrill@reiok.org\" target=\"_blank\">dsherrill@reiok.org</a> or Jeremy Layman, Housing Program Specialist at <a href=\"mailto:jlayman@reiok.org\" target=\"_blank\">jlayman@reiok.org</a>.\r\n<p align=\"center\"><b>***Third Party Origination is not allowed***</b></p>\r\n <strong>Program Highlights</strong>\r\n\r\n<strong>Structure:</strong> Up to 4.5% of the total loan amount in the form of a gift. The funds may be used to fund up to 100% of the Borrower\'s cash requirement to close, including the down payment, closing costs, pre-paid items and other related Mortgage Loan fees and expenses.  No portion of the gift funds can be paid to the Borrower unless the Borrower is being reimbursed for an overage of his/her earnest money deposit to the extent the minimum Borrower contribution has been satisfied.  Under the rate/term refinance option, any funds above the amount needed to pay the Borrower\'s loan related costs must be used to reduce the principal amount of the First Mortgage loan.\r\n\r\n<b>First Mortgage Origination Fee:  </b>Up to 1%.\r\n\r\n<strong>Interest rates:</strong> REI Down Payment Assistance will post First Mortgage interest rates by 9:00 a.m. C.S.T. daily on the Lender Portal at <a href=\"http://www.reigift100.org/\">www.reigift100.org</a>.  The rates are based on a 45 day or 60 day lock reservation to lender.    Loans must be delivered and purchased by U.S. Bank prior to rate lock expiration.  One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>15 days is 0.1875%</li>\r\n	<li>30 days is 0.375%</li>\r\n</ul>\r\n<p align=\"center\"><b>***Rates can be subject to intra-day pricing changes***</b></p>\r\n<strong>Income Limits:</strong> FHA, VA, &amp; HUD 184 - The Borrower\'s qualifying income must not exceed Program Income Limits.  Click on Area Median Income below to view income limits.  They can also be found in the Lender Portal at <a href=\"http://www.reigift100.org/\" target=\"_blank\">www.reigift100.org</a>.\r\n\r\nRural Development Loans - Income is based on Adjusted Household Income per Rural Development\'s Guidelines.  Income limits can be found by <a href=\"http://www.rurdev.usda.gov/SupportDocuments/OK%20GRH.pdf\" target=\"_blank\"><span style=\"text-decoration: underline;\">clicking here</span></a>.\r\n\r\n<b>***Lenders will be responsible for ensuring that the income meets program guidelines.***</b>\r\n\r\n<strong>Credit Score:</strong> Minimum credit score of 640.\r\n\r\n<strong>Maximum DTI:</strong> 45%\r\n\r\n<strong>First Time Home Buyer:</strong> No first-time home buyer requirement.\r\n\r\n<strong>Home Buyer Education:</strong> Recommended but not required.\r\n\r\n<strong>Lender Compensation, Fees, and Purchase:</strong> Please review the Program Summary and Program Guidelines below for compensation, loan fees, and purchase requirements.  These documents can also be found on the Lender Portal at <a href=\"http://www.reigift100.org/\" target=\"_blank\">www.reigift100.org</a>.\r\n\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/04/2014-Area-Median-Incomes-Gift-100-Program.pdf\" target=\"_blank\">2014 Area Median Income - Gift100 Program</a>', 'Gift100', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2014-04-03 15:36:14', '2014-04-03 15:36:14', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(413, 2, '2014-04-03 15:37:07', '2014-04-03 15:37:07', '<b>REI GIFT100 PROGRAM</b>\r\n\r\nREI Down Payment Assistance invests in Oklahoma’s future by providing housing opportunities to low income individuals and families.  The new statewide REI Gift100 Program provides a competitive first mortgage and down payment and closing cost assistance to eligible mortgagors. The down payment is in the form of a gift, second liens or deed restrictions are not required for this program. The program includes the following loan types:\r\n<ul>\r\n	<li>FHA – 203(b), 234(c) &amp; 203ks (lenders must have an additional approval from U.S. Bank to originate 203ks loans) – 30 year fixed rate</li>\r\n	<li>VA – 203(b) &amp; 234(c) – 30 year fixed rate</li>\r\n	<li>Rural Housing Guaranteed Loan – 30 year fixed rate</li>\r\n	<li>HUD Section 184 – 30 year fixed rate</li>\r\n</ul>\r\nRate/term refinance on any of the above loan products.<strong>\r\n</strong>\r\n\r\n<strong>Lenders:</strong> Lenders must be approved by U.S. Bank to participate in the REI Gift100 program.  Interested lenders should contact U.S. Bank Help desk at 1-800-562-5165 or <a href=\"mailto:mrbp.helpdesk@usbank.com\" target=\"_blank\">mrbp.helpdesk@usbank.com</a>.  You can also contact Dena Sherrill, Housing Program Manager, REI Down Payment Assistance at 1-800-658-2823 or <a href=\"mailto:dsherrill@reiok.org\" target=\"_blank\">dsherrill@reiok.org</a> or Jeremy Layman, Housing Program Specialist at <a href=\"mailto:jlayman@reiok.org\" target=\"_blank\">jlayman@reiok.org</a>.\r\n<p align=\"center\"><b>***Third Party Origination is not allowed***</b></p>\r\n <strong>Program Highlights</strong>\r\n\r\n<strong>Structure:</strong> Up to 4.5% of the total loan amount in the form of a gift. The funds may be used to fund up to 100% of the Borrower\'s cash requirement to close, including the down payment, closing costs, pre-paid items and other related Mortgage Loan fees and expenses.  No portion of the gift funds can be paid to the Borrower unless the Borrower is being reimbursed for an overage of his/her earnest money deposit to the extent the minimum Borrower contribution has been satisfied.  Under the rate/term refinance option, any funds above the amount needed to pay the Borrower\'s loan related costs must be used to reduce the principal amount of the First Mortgage loan.\r\n\r\n<b>First Mortgage Origination Fee:  </b>Up to 1%.\r\n\r\n<strong>Interest rates:</strong> REI Down Payment Assistance will post First Mortgage interest rates by 9:00 a.m. C.S.T. daily on the Lender Portal at <a href=\"http://www.reigift100.org/\">www.reigift100.org</a>.  The rates are based on a 45 day or 60 day lock reservation to lender.    Loans must be delivered and purchased by U.S. Bank prior to rate lock expiration.  One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>15 days is 0.1875%</li>\r\n	<li>30 days is 0.375%</li>\r\n</ul>\r\n<p align=\"center\"><b>***Rates can be subject to intra-day pricing changes***</b></p>\r\n<strong>Income Limits:</strong> FHA, VA, &amp; HUD 184 - The Borrower\'s qualifying income must not exceed Program Income Limits.  Click on Area Median Income below to view income limits.  They can also be found in the Lender Portal at <a href=\"http://www.reigift100.org/\" target=\"_blank\">www.reigift100.org</a>.\r\n\r\nRural Development Loans - Income is based on Adjusted Household Income per Rural Development\'s Guidelines.  Income limits can be found by <a href=\"http://www.rurdev.usda.gov/SupportDocuments/OK%20GRH.pdf\" target=\"_blank\"><span style=\"text-decoration: underline;\">clicking here</span></a>.\r\n<p style=\"text-align: center;\"><b>***Lenders will be responsible for ensuring that the income meets program guidelines.***</b></p>\r\n<strong>Credit Score:</strong> Minimum credit score of 640.\r\n\r\n<strong>Maximum DTI:</strong> 45%\r\n\r\n<strong>First Time Home Buyer:</strong> No first-time home buyer requirement.\r\n\r\n<strong>Home Buyer Education:</strong> Recommended but not required.\r\n\r\n<strong>Lender Compensation, Fees, and Purchase:</strong> Please review the Program Summary and Program Guidelines below for compensation, loan fees, and purchase requirements.  These documents can also be found on the Lender Portal at <a href=\"http://www.reigift100.org/\" target=\"_blank\">www.reigift100.org</a>.\r\n\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/04/2014-Area-Median-Incomes-Gift-100-Program.pdf\" target=\"_blank\">2014 Area Median Income - Gift100 Program</a>', 'Gift100', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2014-04-03 15:37:07', '2014-04-03 15:37:07', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(415, 2, '2014-04-04 15:16:56', '2014-04-04 15:16:56', '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 REI CHOICE100 and REI Gift100, two options that allow you to offer closing cost and down payment to your borrower.\r\n\r\n<strong><a title=\"Choice100 Program\" href=\"http://reidownpayment.org/lenders/choice100-program/\">REI CHOICE100 </a></strong><a title=\"Choice100 Program\" href=\"http://reidownpayment.org/lenders/choice100-program/\">(click for more info)</a>\r\n<strong>Down Payment and Closing Cost Assistance - Fannie Mae My Community Mortgage Loans</strong>\r\n\r\nThe REI Choice100 program is just that, it provides you with numerous choices and types of assistance for your borrowers. The program is utilized with Fannie Mae\'s 95% My Community Mortgage loan. We have structured the program to provide the borrower with a second mortgage of 5% along with the choice to pay a higher interest rate and receive 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.\r\n\r\nThis program can also be used for a rate/term refinance of existing loans. Any loan that is refinanced must prove a demonstrable benefit to the borrower (i.e. lower payments, term, or interest rates). Cash out refinances are not eligible.\r\n\r\n<a href=\"http://reidownpayment.org/lenders/gift100/\"><strong>REI Gift100 </strong>(click for more info)</a>\r\n<strong>Down Payment and Closing Cost Assistance</strong>\r\n\r\nREI Down Payment Assistance invests in Oklahoma’s future by providing housing opportunities to low income individuals and families. The new statewide REI Gift100 Program provides a competitive first mortgage and down payment and closing cost assistance to eligible mortgagors. The down payment is in the form of a gift, second liens or deed restrictions are not required for this program.', 'Lenders', '', 'inherit', 'open', 'open', '', '7-revision-v1', '', '', '2014-04-04 15:16:56', '2014-04-04 15:16:56', '', 7, 'http://reidownpayment.org/7-revision-v1/', 0, 'revision', '', 0),
(416, 2, '2014-04-04 15:17:49', '2014-04-04 15:17:49', 'Saving for the down payment and/or closing costs can be one of the biggest hurdles many people face when purchasing a home. To help home buyers attain homeownership, REI Down Payment Assistance offers REI CHOICE100 and REI Gift100, two options that allow you to offer closing cost and down payment to your borrower.\r\n\r\n<strong><a title=\"Choice100 Program\" href=\"http://reidownpayment.org/lenders/choice100-program/\">REI CHOICE100 </a></strong><a title=\"Choice100 Program\" href=\"http://reidownpayment.org/lenders/choice100-program/\">(click for more info)</a>\r\n<strong>Down Payment and Closing Cost Assistance - Fannie Mae My Community Mortgage Loans</strong>\r\n\r\nThe REI Choice100 program is just that, it provides you with numerous choices and types of assistance for your borrowers. The program is utilized with Fannie Mae\'s 95% My Community Mortgage loan. We have structured the program to provide the borrower with a second mortgage of 5% along with the choice to pay a higher interest rate and receive 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.\r\n\r\nThis program can also be used for a rate/term refinance of existing loans. Any loan that is refinanced must prove a demonstrable benefit to the borrower (i.e. lower payments, term, or interest rates). Cash out refinances are not eligible.\r\n\r\n<a href=\"http://reidownpayment.org/lenders/gift100/\"><strong>REI Gift100 </strong>(click for more info)</a>\r\n<strong>Down Payment and Closing Cost Assistance</strong>\r\n\r\nREI Down Payment Assistance invests in Oklahoma’s future by providing housing opportunities to low income individuals and families. The new statewide REI Gift100 Program provides a competitive first mortgage and down payment and closing cost assistance to eligible mortgagors. The down payment is in the form of a gift, second liens or deed restrictions are not required for this program.', 'Lenders', '', 'inherit', 'open', 'open', '', '7-revision-v1', '', '', '2014-04-04 15:17:49', '2014-04-04 15:17:49', '', 7, 'http://reidownpayment.org/7-revision-v1/', 0, 'revision', '', 0),
(417, 2, '2014-04-04 15:19:01', '2014-04-04 15:19:01', '<div lang=\"EN-US\">\r\n\r\nREI Down Payment Assistance provides down payment and closing cost assistance to eligible borrowers through partnerships with lenders across the state. The programs are developed for people who have good jobs and the ability to re-pay a loan, but have not been able to save for the down payment or closing costs on a home.\r\n\r\n<strong><a title=\"Choice100 Program\" href=\"http://reidownpayment.org/home-buyers/choice-100/\">REI CHOICE100 </a></strong><a title=\"Choice100 Program\" href=\"http://reidownpayment.org/home-buyers/choice-100/\">(click for more info)</a>\r\n<strong>Down Payment and Closing Cost Assistance - Fannie Mae My Community Mortgage Loans</strong>\r\n\r\nThe REI Choice100 program is just that, it provides you with numerous choices and types of assistance. 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\n<strong><a href=\"http://reidownpayment.org/home-buyers/gift100/\">REI Gift100 </a></strong><a href=\"http://reidownpayment.org/home-buyers/gift100/\">(click for more info)</a>\r\n<strong>Down Payment and Closing Cost Assistance</strong>\r\n\r\nREI Down Payment Assistance invests in Oklahoma’s future by providing housing opportunities to low income individuals and families. The new statewide REI Gift100 Program provides a competitive first mortgage and down payment/closing cost assistance to eligible mortgagors.  The down payment is in the form of a gift, you are not required to pay this back and there will not be any second liens or deed restrictions against your property.\r\n\r\n</div>', 'Home Buyers', '', 'inherit', 'open', 'open', '', '6-revision-v1', '', '', '2014-04-04 15:19:01', '2014-04-04 15:19:01', '', 6, 'http://reidownpayment.org/6-revision-v1/', 0, 'revision', '', 0),
(418, 2, '2014-04-04 15:21:48', '2014-04-04 15:21:48', 'Saving for the down payment and/or closing costs can be one of the biggest hurdles many people face when purchasing a home. To help home buyers attain homeownership, REI Down Payment Assistance offers REI CHOICE100 and REI Gift100, two options that allow you to offer closing cost and down payment to your borrower.\r\n\r\n<strong><a title=\"Choice100 Program\" href=\"http://reidownpayment.org/lenders/choice100-program/\">REI CHOICE100 </a></strong><a title=\"Choice100 Program\" href=\"http://reidownpayment.org/lenders/choice100-program/\">(click for more info)</a>\r\n<strong>Down Payment and Closing Cost Assistance - Fannie Mae My Community Mortgage Loans</strong>\r\n\r\nThe REI Choice100 program is just that, it provides you with numerous choices and types of assistance for your borrowers. The program is utilized with Fannie Mae\'s 95% My Community Mortgage loan. We have structured the program to provide the borrower with a second mortgage of 5% along with the choice to pay a higher interest rate and receive 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.\r\n\r\nThis program can also be used for a rate/term refinance of existing loans. Any loan that is refinanced must prove a demonstrable benefit to the borrower (i.e. lower payments, term, or interest rates). Cash out refinances are not eligible.\r\n\r\n<a href=\"http://reidownpayment.org/lenders/gift100/\"><strong>REI Gift100 </strong>(click for more info)</a>\r\n<strong>Down Payment and Closing Cost Assistance</strong>\r\n\r\nREI Down Payment Assistance invests in Oklahoma’s future by providing housing opportunities to low income individuals and families. The new statewide REI Gift100 Program provides a competitive first mortgage and down payment and closing cost assistance to eligible mortgagors. The down payment is in the form of a gift, second liens or deed restrictions are not required for this program.The program includes the following loan types:\r\n<ul>\r\n	<li>FHA – 203(b), 234(c) &amp; 203ks (lenders must have an additional approval from U.S. Bank to originate 203ks loans) – 30 year fixed rate</li>\r\n	<li>VA – 203(b) &amp; 234(c) – 30 year fixed rate</li>\r\n	<li>Rural Housing Guaranteed Loan – 30 year fixed rate</li>\r\n	<li>HUD Section 184 – 30 year fixed rate</li>\r\n</ul>\r\nRate/term refinance on any of the above loan products.<strong>\r\n</strong>', 'Lenders', '', 'inherit', 'open', 'open', '', '7-revision-v1', '', '', '2014-04-04 15:21:48', '2014-04-04 15:21:48', '', 7, 'http://reidownpayment.org/7-revision-v1/', 0, 'revision', '', 0),
(419, 2, '2014-04-04 15:22:04', '2014-04-04 15:22:04', 'Saving for the down payment and/or closing costs can be one of the biggest hurdles many people face when purchasing a home. To help home buyers attain homeownership, REI Down Payment Assistance offers REI CHOICE100 and REI Gift100, two options that allow you to offer closing cost and down payment to your borrower.\r\n\r\n<strong><a title=\"Choice100 Program\" href=\"http://reidownpayment.org/lenders/choice100-program/\">REI CHOICE100 </a></strong><a title=\"Choice100 Program\" href=\"http://reidownpayment.org/lenders/choice100-program/\">(click for more info)</a>\r\n<strong>Down Payment and Closing Cost Assistance - Fannie Mae My Community Mortgage Loans</strong>\r\n\r\nThe REI Choice100 program is just that, it provides you with numerous choices and types of assistance for your borrowers. The program is utilized with Fannie Mae\'s 95% My Community Mortgage loan. We have structured the program to provide the borrower with a second mortgage of 5% along with the choice to pay a higher interest rate and receive 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.\r\n\r\nThis program can also be used for a rate/term refinance of existing loans. Any loan that is refinanced must prove a demonstrable benefit to the borrower (i.e. lower payments, term, or interest rates). Cash out refinances are not eligible.\r\n\r\n<a href=\"http://reidownpayment.org/lenders/gift100/\"><strong>REI Gift100 </strong>(click for more info)</a>\r\n<strong>Down Payment and Closing Cost Assistance</strong>\r\n\r\nREI Down Payment Assistance invests in Oklahoma’s future by providing housing opportunities to low income individuals and families. The new statewide REI Gift100 Program provides a competitive first mortgage and down payment and closing cost assistance to eligible mortgagors. The down payment is in the form of a gift, second liens or deed restrictions are not required for this program. The program includes the following loan types:\r\n<ul>\r\n	<li>FHA – 203(b), 234(c) &amp; 203ks (lenders must have an additional approval from U.S. Bank to originate 203ks loans) – 30 year fixed rate</li>\r\n	<li>VA – 203(b) &amp; 234(c) – 30 year fixed rate</li>\r\n	<li>Rural Housing Guaranteed Loan – 30 year fixed rate</li>\r\n	<li>HUD Section 184 – 30 year fixed rate</li>\r\n</ul>\r\nRate/term refinance on any of the above loan products.<strong>\r\n</strong>', 'Lenders', '', 'inherit', 'open', 'open', '', '7-revision-v1', '', '', '2014-04-04 15:22:04', '2014-04-04 15:22:04', '', 7, 'http://reidownpayment.org/7-revision-v1/', 0, 'revision', '', 0),
(423, 1, '2014-04-04 21:56:14', '2014-04-04 21:56:14', '<b>REI GIFT100 PROGRAM</b>\r\n\r\nREI Down Payment Assistance invests in Oklahoma’s future by providing housing opportunities to low income individuals and families.  The new statewide REI Gift100 Program provides a competitive first mortgage and down payment and closing cost assistance to eligible mortgagors. The down payment is in the form of a gift, second liens or deed restrictions are not required for this program. The program includes the following loan types:\r\n<ul>\r\n	<li>FHA – 203(b), 234(c) &amp; 203ks (lenders must have an additional approval from U.S. Bank to originate 203ks loans) – 30 year fixed rate</li>\r\n	<li>VA – 203(b) &amp; 234(c) – 30 year fixed rate</li>\r\n	<li>Rural Housing Guaranteed Loan – 30 year fixed rate</li>\r\n	<li>HUD Section 184 – 30 year fixed rate</li>\r\n</ul>\r\nRate/term refinance on any of the above loan products.<strong>\r\n</strong>\r\n\r\n<strong>Lenders:</strong> Lenders must be approved by U.S. Bank to participate in the REI Gift100 program.  Interested lenders should contact U.S. Bank Help desk at 1-800-562-5165 or <a href=\"mailto:mrbp.helpdesk@usbank.com\" target=\"_blank\">mrbp.helpdesk@usbank.com</a>.  You can also contact Dena Sherrill, Housing Program Manager, REI Down Payment Assistance at 1-800-658-2823 or <a href=\"mailto:dsherrill@reiok.org\" target=\"_blank\">dsherrill@reiok.org</a> or Jeremy Layman, Housing Program Specialist at <a href=\"mailto:jlayman@reiok.org\" target=\"_blank\">jlayman@reiok.org</a>.\r\n<p align=\"center\"><b>***Third Party Origination is not allowed***</b></p>\r\n <strong>Program Highlights</strong>\r\n\r\n<strong>Structure:</strong> Up to 4.5% of the total loan amount in the form of a gift. The funds may be used to fund up to 100% of the Borrower\'s cash requirement to close, including the down payment, closing costs, pre-paid items and other related Mortgage Loan fees and expenses.  No portion of the gift funds can be paid to the Borrower unless the Borrower is being reimbursed for an overage of his/her earnest money deposit to the extent the minimum Borrower contribution has been satisfied.  Under the rate/term refinance option, any funds above the amount needed to pay the Borrower\'s loan related costs must be used to reduce the principal amount of the First Mortgage loan.\r\n\r\n<b>First Mortgage Origination Fee:  </b>Up to 1%.\r\n\r\n<strong>Interest rates:</strong> REI Down Payment Assistance will post First Mortgage interest rates by 9:00 a.m. C.S.T. daily on the Lender Portal at <a href=\"http://www.reigift100.org/\">www.reigift100.org</a>.  The rates are based on a 45 day or 60 day lock reservation to lender.    Loans must be delivered and purchased by U.S. Bank prior to rate lock expiration.  One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>15 days is 0.1875%</li>\r\n	<li>30 days is 0.375%</li>\r\n</ul>\r\n<p align=\"center\"><b>***Rates can be subject to intra-day pricing changes***</b></p>\r\n<strong>Income Limits:</strong> FHA, VA, &amp; HUD 184 - The Borrower\'s qualifying income must not exceed Program Income Limits.  Click on Area Median Income below to view income limits.  They can also be found in the Lender Portal at <a href=\"http://www.reigift100.org/\" target=\"_blank\">www.reigift100.org</a>.\r\n\r\nRural Development Loans - Income is based on Adjusted Household Income per Rural Development\'s Guidelines.  Income limits can be found by <a href=\"http://www.rurdev.usda.gov/SupportDocuments/OK%20GRH.pdf\" target=\"_blank\"><span style=\"text-decoration: underline;\">clicking here</span></a>.\r\n<p style=\"text-align: center;\"><b>***Lenders will be responsible for ensuring that the income meets program guidelines.***</b></p>\r\n<strong>Credit Score:</strong> Minimum credit score of 640.\r\n\r\n<strong>Maximum DTI:</strong> 45%\r\n\r\n<strong>First Time Home Buyer:</strong> No first-time home buyer requirement.\r\n\r\n<strong>Home Buyer Education:</strong> Recommended but not required.\r\n\r\n<strong>Lender Compensation, Fees, and Purchase:</strong> Please review the Program Summary and Program Guidelines below for compensation, loan fees, and purchase requirements.  These documents can also be found on the Lender Portal at <a href=\"http://www.reigift100.org/\" target=\"_blank\">www.reigift100.org</a>.\r\n\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/04/2014-Area-Median-Incomes-Gift-100-Program.pdf\" target=\"_blank\">2014 Area Median Income - Gift100 Program</a>', 'Gift100', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2014-04-04 21:56:14', '2014-04-04 21:56:14', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(424, 1, '2014-04-04 21:56:14', '2014-04-04 21:56:14', '<b>REI GIFT100 PROGRAM</b>\r\n\r\nREI Down Payment Assistance invests in Oklahoma’s future by providing housing opportunities to low income individuals and families.  The new statewide REI Gift100 Program provides a competitive first mortgage and down payment and closing cost assistance to eligible mortgagors. The down payment is in the form of a gift, second liens or deed restrictions are not required for this program. The program includes the following loan types:\r\n<ul>\r\n	<li>FHA – 203(b), 234(c) &amp; 203ks (lenders must have an additional approval from U.S. Bank to originate 203ks loans) – 30 year fixed rate</li>\r\n	<li>VA – 203(b) &amp; 234(c) – 30 year fixed rate</li>\r\n	<li>Rural Housing Guaranteed Loan – 30 year fixed rate</li>\r\n	<li>HUD Section 184 – 30 year fixed rate</li>\r\n</ul>\r\nRate/term refinance on any of the above loan products.<strong>\r\n</strong>\r\n\r\n<strong>Lenders:</strong> Lenders must be approved by U.S. Bank to participate in the REI Gift100 program.  Interested lenders should contact U.S. Bank Help desk at 1-800-562-5165 or <a href=\"mailto:mrbp.helpdesk@usbank.com\" target=\"_blank\">mrbp.helpdesk@usbank.com</a>.  You can also contact Dena Sherrill, Housing Program Manager, REI Down Payment Assistance at 1-800-658-2823 or <a href=\"mailto:dsherrill@reiok.org\" target=\"_blank\">dsherrill@reiok.org</a> or Jeremy Layman, Housing Program Specialist at <a href=\"mailto:jlayman@reiok.org\" target=\"_blank\">jlayman@reiok.org</a>.\r\n<p align=\"center\"><b>***Third Party Origination is not allowed***</b></p>\r\n <strong>Program Highlights</strong>\r\n\r\n<strong>Structure:</strong> Up to 4.5% of the total loan amount in the form of a gift. The funds may be used to fund up to 100% of the Borrower\'s cash requirement to close, including the down payment, closing costs, pre-paid items and other related Mortgage Loan fees and expenses.  No portion of the gift funds can be paid to the Borrower unless the Borrower is being reimbursed for an overage of his/her earnest money deposit to the extent the minimum Borrower contribution has been satisfied.  Under the rate/term refinance option, any funds above the amount needed to pay the Borrower\'s loan related costs must be used to reduce the principal amount of the First Mortgage loan.\r\n\r\n<b>First Mortgage Origination Fee:  </b>Up to 1%.\r\n\r\n<strong>Interest rates:</strong> REI Down Payment Assistance will post First Mortgage interest rates by 9:00 a.m. C.S.T. daily on the Lender Portal at <a href=\"http://www.reigift100.org/\">www.reigift100.org</a>.  The rates are based on a 45 day or 60 day lock reservation to lender.    Loans must be delivered and purchased by U.S. Bank prior to rate lock expiration.  One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>15 days is 0.1875%</li>\r\n	<li>30 days is 0.375%</li>\r\n</ul>\r\n<p align=\"center\"><b>***Rates can be subject to intra-day pricing changes***</b></p>\r\n<strong>Income Limits:</strong> FHA, VA, &amp; HUD 184 - The Borrower\'s qualifying income must not exceed Program Income Limits.  Click on Area Median Income below to view income limits.  They can also be found in the Lender Portal at <a href=\"http://www.reigift100.org/\" target=\"_blank\">www.reigift100.org</a>.\r\n\r\nRural Development Loans - Income is based on Adjusted Household Income per Rural Development\'s Guidelines.  Income limits can be found by <a href=\"http://www.rurdev.usda.gov/SupportDocuments/OK%20GRH.pdf\" target=\"_blank\"><span style=\"text-decoration: underline;\">clicking here</span></a>.\r\n<p style=\"text-align: center;\"><b>***Lenders will be responsible for ensuring that the income meets program guidelines.***</b></p>\r\n<strong>Credit Score:</strong> Minimum credit score of 640.\r\n\r\n<strong>Maximum DTI:</strong> 45%\r\n\r\n<strong>First Time Home Buyer:</strong> No first-time home buyer requirement.\r\n\r\n<strong>Home Buyer Education:</strong> Recommended but not required.\r\n\r\n<strong>Lender Compensation, Fees, and Purchase:</strong> Please review the Program Summary and Program Guidelines below for compensation, loan fees, and purchase requirements.  These documents can also be found on the Lender Portal at <a href=\"http://www.reigift100.org/\" target=\"_blank\">www.reigift100.org</a>.\r\n\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/04/2014-Area-Median-Incomes-Gift-100-Program.pdf\" target=\"_blank\">2014 Area Median Income - Gift100 Program</a>', 'Gift100', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2014-04-04 21:56:14', '2014-04-04 21:56:14', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(425, 1, '2014-04-04 21:56:43', '2014-04-04 21:56:43', '<img class=\"size-full wp-image-146 alignright\" alt=\"homebuyers-pic-1\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/homebuyers-pic-1.png\" width=\"348\" height=\"348\" />\r\n\r\n<strong>REI Gift100</strong>\r\n\r\nREI Down Payment Assistance invests in Oklahoma’s future by providing housing opportunities to low income individuals and families. The new statewide REI Gift100 Program provides a competitive first mortgage and down payment/closing cost assistance to eligible mortgagors.  The down payment is in the form of a gift, you are not required to pay this back and there will not be any second liens or deed restrictions against your property.  This program can be used with the following loan types:\r\n<ul>\r\n	<li>FHA</li>\r\n	<li>VA</li>\r\n	<li>Rural Development</li>\r\n	<li>HUD Section 184</li>\r\n</ul>\r\nRate/term refinance on any of the above loan products.\r\n\r\n<strong>Program Highlights:</strong>\r\n\r\n<strong>Structure:</strong> Up to 4.5% of the total loan amount in the form of a gift.  The funds may be used to fund up to 100% of the Borrower\'s cash requirement to close, including the down payment, closing costs, pre-paid items and other related Mortgage Loan fees and expenses.\r\n\r\n<strong>Lenders:</strong> You may use the lender of your choice, if they are approved for the REI Gift100 program.   Many lenders throughout the state are approved.  If you are using a lender that is not familiar with the program or is not approved, please have them contact Dena Sherrill, REI Down Payment Assistance Manager at 800-658-2823 or <a href=\"mailto:dsherrill@reiok.org\">dsherrill@reiok.org</a>.\r\n\r\n<strong>Income Limits:</strong> Income limits apply based on qualifying income and household size.  Click on the Area Median Income link below to view income requirements.\r\n\r\n<strong>Credit Score:</strong> Minimum credit score of 640.\r\n\r\n<strong>First Time Home Buyer:</strong> You do not have to be a first-time home buyer for this program.\r\n\r\n<strong>Home Buyer Education:</strong> Recommended but not required.\r\n\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/04/2014-Area-Median-Incomes-Gift-100-Program.pdf\" target=\"_blank\">2014 Area Median Incomes - Gift100 Program</a>', 'Gift100', '', 'inherit', 'open', 'open', '', '168-revision-v1', '', '', '2014-04-04 21:56:43', '2014-04-04 21:56:43', '', 168, 'http://reidownpayment.org/168-revision-v1/', 0, 'revision', '', 0);
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(426, 1, '2014-04-04 21:59:01', '2014-04-04 21:59:01', '<img class=\"size-full wp-image-146 alignright\" alt=\"homebuyers-pic-1\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/homebuyers-pic-1.png\" width=\"348\" height=\"348\" />\r\n\r\n<strong>REI Gift100</strong>\r\n\r\nREI Down Payment Assistance invests in Oklahoma’s future by providing housing opportunities to low income individuals and families. The new statewide REI Gift100 Program provides a competitive first mortgage and down payment/closing cost assistance to eligible mortgagors.  The down payment is in the form of a gift, you are not required to pay this back and there will not be any second liens or deed restrictions against your property.  This program can be used with the following loan types:\r\n<ul>\r\n	<li>FHA</li>\r\n	<li>VA</li>\r\n	<li>Rural Development</li>\r\n	<li>HUD Section 184</li>\r\n</ul>\r\nRate/term refinance on any of the above loan products.\r\n\r\n<strong>Program Highlights:</strong>\r\n\r\n<strong>Structure:</strong> Up to 4.5% of the total loan amount in the form of a gift.  The funds may be used to fund up to 100% of the Borrower\'s cash requirement to close, including the down payment, closing costs, pre-paid items and other related Mortgage Loan fees and expenses.\r\n\r\n<strong>Lenders:</strong> You may use the lender of your choice, if they are approved for the REI Gift100 program.   Many lenders throughout the state are approved.  If you are using a lender that is not familiar with the program or is not approved, please have them contact Dena Sherrill, REI Down Payment Assistance Manager at 800-658-2823 or <a href=\"mailto:dsherrill@reiok.org\">dsherrill@reiok.org</a>.\r\n\r\n<strong>Income Limits:</strong> Income limits apply based on qualifying income and household size.  Click on the Area Median Income link below to view income requirements.\r\n\r\n<strong>Credit Score:</strong> Minimum credit score of 640.\r\n\r\n<strong>First Time Home Buyer:</strong> You do not have to be a first-time home buyer for this program.\r\n\r\n<strong>Home Buyer Education:</strong> Recommended but not required.\r\n\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/04/2014-Area-Median-Incomes-Gift-100-Program.pdf\" target=\"_blank\">2014 Area Median Incomes - Gift100 Program</a>', 'Gift100', '', 'inherit', 'open', 'open', '', '168-revision-v1', '', '', '2014-04-04 21:59:01', '2014-04-04 21:59:01', '', 168, 'http://reidownpayment.org/168-revision-v1/', 0, 'revision', '', 0),
(427, 1, '2014-04-04 21:59:05', '2014-04-04 21:59:05', '<b>REI GIFT100 PROGRAM</b>\r\n\r\nREI Down Payment Assistance invests in Oklahoma’s future by providing housing opportunities to low income individuals and families.  The new statewide REI Gift100 Program provides a competitive first mortgage and down payment and closing cost assistance to eligible mortgagors. The down payment is in the form of a gift, second liens or deed restrictions are not required for this program. The program includes the following loan types:\r\n<ul>\r\n	<li>FHA – 203(b), 234(c) &amp; 203ks (lenders must have an additional approval from U.S. Bank to originate 203ks loans) – 30 year fixed rate</li>\r\n	<li>VA – 203(b) &amp; 234(c) – 30 year fixed rate</li>\r\n	<li>Rural Housing Guaranteed Loan – 30 year fixed rate</li>\r\n	<li>HUD Section 184 – 30 year fixed rate</li>\r\n</ul>\r\nRate/term refinance on any of the above loan products.<strong>\r\n</strong>\r\n\r\n<strong>Lenders:</strong> Lenders must be approved by U.S. Bank to participate in the REI Gift100 program.  Interested lenders should contact U.S. Bank Help desk at 1-800-562-5165 or <a href=\"mailto:mrbp.helpdesk@usbank.com\" target=\"_blank\">mrbp.helpdesk@usbank.com</a>.  You can also contact Dena Sherrill, Housing Program Manager, REI Down Payment Assistance at 1-800-658-2823 or <a href=\"mailto:dsherrill@reiok.org\" target=\"_blank\">dsherrill@reiok.org</a> or Jeremy Layman, Housing Program Specialist at <a href=\"mailto:jlayman@reiok.org\" target=\"_blank\">jlayman@reiok.org</a>.\r\n<p align=\"center\"><b>***Third Party Origination is not allowed***</b></p>\r\n <strong>Program Highlights</strong>\r\n\r\n<strong>Structure:</strong> Up to 4.5% of the total loan amount in the form of a gift. The funds may be used to fund up to 100% of the Borrower\'s cash requirement to close, including the down payment, closing costs, pre-paid items and other related Mortgage Loan fees and expenses.  No portion of the gift funds can be paid to the Borrower unless the Borrower is being reimbursed for an overage of his/her earnest money deposit to the extent the minimum Borrower contribution has been satisfied.  Under the rate/term refinance option, any funds above the amount needed to pay the Borrower\'s loan related costs must be used to reduce the principal amount of the First Mortgage loan.\r\n\r\n<b>First Mortgage Origination Fee:  </b>Up to 1%.\r\n\r\n<strong>Interest rates:</strong> REI Down Payment Assistance will post First Mortgage interest rates by 9:00 a.m. C.S.T. daily on the Lender Portal at <a href=\"http://www.reigift100.org/\">www.reigift100.org</a>.  The rates are based on a 45 day or 60 day lock reservation to lender.    Loans must be delivered and purchased by U.S. Bank prior to rate lock expiration.  One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>15 days is 0.1875%</li>\r\n	<li>30 days is 0.375%</li>\r\n</ul>\r\n<p align=\"center\"><b>***Rates can be subject to intra-day pricing changes***</b></p>\r\n<strong>Income Limits:</strong> FHA, VA, &amp; HUD 184 - The Borrower\'s qualifying income must not exceed Program Income Limits.  Click on Area Median Income below to view income limits.  They can also be found in the Lender Portal at <a href=\"http://www.reigift100.org/\" target=\"_blank\">www.reigift100.org</a>.\r\n\r\nRural Development Loans - Income is based on Adjusted Household Income per Rural Development\'s Guidelines.  Income limits can be found by <a href=\"http://www.rurdev.usda.gov/SupportDocuments/OK%20GRH.pdf\" target=\"_blank\"><span style=\"text-decoration: underline;\">clicking here</span></a>.\r\n<p style=\"text-align: center;\"><b>***Lenders will be responsible for ensuring that the income meets program guidelines.***</b></p>\r\n<strong>Credit Score:</strong> Minimum credit score of 640.\r\n\r\n<strong>Maximum DTI:</strong> 45%\r\n\r\n<strong>First Time Home Buyer:</strong> No first-time home buyer requirement.\r\n\r\n<strong>Home Buyer Education:</strong> Recommended but not required.\r\n\r\n<strong>Lender Compensation, Fees, and Purchase:</strong> Please review the Program Summary and Program Guidelines below for compensation, loan fees, and purchase requirements.  These documents can also be found on the Lender Portal at <a href=\"http://www.reigift100.org/\" target=\"_blank\">www.reigift100.org</a>.\r\n\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/04/2014-Area-Median-Incomes-Gift-100-Program.pdf\" target=\"_blank\">2014 Area Median Income - Gift100 Program</a>', 'Gift100', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2014-04-04 21:59:05', '2014-04-04 21:59:05', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(428, 2, '2014-04-07 13:33:32', '2014-04-07 13:33:32', '<b>REI GIFT100 PROGRAM</b>\r\n\r\nREI Down Payment Assistance invests in Oklahoma’s future by providing housing opportunities to low income individuals and families.  The new statewide REI Gift100 Program provides a competitive first mortgage and down payment and closing cost assistance to eligible mortgagors. The down payment is in the form of a gift, second liens or deed restrictions are not required for this program. The program includes the following loan types:\r\n<ul>\r\n	<li>FHA – 203(b), 234(c) &amp; 203ks (lenders must have an additional approval from U.S. Bank to originate 203ks loans) – 30 year fixed rate</li>\r\n	<li>VA – 203(b) &amp; 234(c) – 30 year fixed rate</li>\r\n	<li>Rural Housing Guaranteed Loan – 30 year fixed rate</li>\r\n	<li>HUD Section 184 – 30 year fixed rate</li>\r\n</ul>\r\nRate/term refinance on any of the above loan products.<strong>\r\n</strong>\r\n\r\n<strong>Lenders:</strong> Lenders must be approved by U.S. Bank to participate in the REI Gift100 program.  Interested lenders should contact U.S. Bank Help desk at 1-800-562-5165 or <a href=\"mailto:mrbp.helpdesk@usbank.com\" target=\"_blank\">mrbp.helpdesk@usbank.com</a>.  You can also contact Dena Sherrill, Housing Program Manager, REI Down Payment Assistance at 1-800-658-2823 or <a href=\"mailto:dsherrill@reiok.org\" target=\"_blank\">dsherrill@reiok.org</a> or Jeremy Layman, Housing Program Specialist at <a href=\"mailto:jlayman@reiok.org\" target=\"_blank\">jlayman@reiok.org</a>.\r\n<p align=\"center\"><b>***Third Party Origination is not allowed***</b></p>\r\n <strong>Program Highlights</strong>\r\n\r\n<strong>Structure:</strong> Up to 4.5% of the total loan amount in the form of a gift. The funds may be used to fund up to 100% of the Borrower\'s cash requirement to close, including the down payment, closing costs, pre-paid items and other related Mortgage Loan fees and expenses.  No portion of the gift funds can be paid to the Borrower unless the Borrower is being reimbursed for an overage of his/her earnest money deposit to the extent the minimum Borrower contribution has been satisfied.  Under the rate/term refinance option, any funds above the amount needed to pay the Borrower\'s loan related costs must be used to reduce the principal amount of the First Mortgage loan.\r\n\r\n<b>First Mortgage Origination Fee:  </b>Up to 1%.\r\n\r\n<strong>Interest rates:</strong> REI Down Payment Assistance will post First Mortgage interest rates by 9:00 a.m. C.S.T. daily on the Lender Portal at <a href=\"http://www.reigift100.org/\">www.reigift100.org</a>.  The rates are based on a 45 day or 60 day lock reservation to lender.    Loans must be delivered and purchased by U.S. Bank prior to rate lock expiration.  One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>15 days is 0.1875%</li>\r\n	<li>30 days is 0.375%</li>\r\n</ul>\r\n<p align=\"center\"><b>***Rates can be subject to intra-day pricing changes***</b></p>\r\n<strong>Income Limits:</strong> FHA, VA, &amp; HUD 184 - The Borrower\'s qualifying income must not exceed Program Income Limits.  Click on Area Median Income below to view income limits.  They can also be found in the Lender Portal at <a href=\"http://www.reigift100.org/\" target=\"_blank\">www.reigift100.org</a>.\r\n\r\nRural Development Loans - Income is based on Adjusted Household Income per Rural Development\'s Guidelines.  Income limits can be found by <a href=\"http://www.rurdev.usda.gov/SupportDocuments/OK%20GRH.pdf\" target=\"_blank\"><span style=\"text-decoration: underline;\">clicking here</span></a>.\r\n<p style=\"text-align: center;\"><b>***Lenders will be responsible for ensuring that the income meets program guidelines.***</b></p>\r\n<strong>Credit Score:</strong> Minimum credit score of 640.\r\n\r\n<strong>Maximum DTI:</strong> 45%\r\n\r\n<strong>First Time Home Buyer:</strong> No first-time home buyer requirement.\r\n\r\n<strong>Home Buyer Education:</strong> Recommended but not required.\r\n\r\n<strong>Lender Compensation, Fees, and Purchase:</strong> Please review the Program Summary and Program Guidelines below for compensation, loan fees, and purchase requirements.  These documents can also be found on the Lender Portal at <a href=\"http://www.reigift100.org/\" target=\"_blank\">www.reigift100.org</a>.\r\n\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/04/2014-Area-Median-Incomes-Gift-100-Program.pdf\" target=\"_blank\">2014 Area Median Income - Gift100 Program</a>', 'Gift100', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2014-04-07 13:33:32', '2014-04-07 13:33:32', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(429, 2, '2014-04-07 13:33:51', '2014-04-07 13:33:51', '<b>REI GIFT100 PROGRAM</b>\r\n\r\nREI Down Payment Assistance invests in Oklahoma’s future by providing housing opportunities to low income individuals and families.  The new statewide REI Gift100 Program provides a competitive first mortgage and down payment and closing cost assistance to eligible mortgagors. The down payment is in the form of a gift, second liens or deed restrictions are not required for this program. The program includes the following loan types:\r\n<ul>\r\n	<li>FHA – 203(b), 234(c) &amp; 203ks (lenders must have an additional approval from U.S. Bank to originate 203ks loans) – 30 year fixed rate</li>\r\n	<li>VA – 203(b) &amp; 234(c) – 30 year fixed rate</li>\r\n	<li>Rural Housing Guaranteed Loan – 30 year fixed rate</li>\r\n	<li>HUD Section 184 – 30 year fixed rate</li>\r\n</ul>\r\nRate/term refinance on any of the above loan products.<strong>\r\n</strong>\r\n\r\n<strong>Lenders:</strong> Lenders must be approved by U.S. Bank to participate in the REI Gift100 program.  Interested lenders should contact U.S. Bank Help desk at 1-800-562-5165 or <a href=\"mailto:mrbp.helpdesk@usbank.com\" target=\"_blank\">mrbp.helpdesk@usbank.com</a>.  You can also contact Dena Sherrill, Housing Program Manager, REI Down Payment Assistance at 1-800-658-2823 or <a href=\"mailto:dsherrill@reiok.org\" target=\"_blank\">dsherrill@reiok.org</a> or Jeremy Layman, Housing Program Specialist at <a href=\"mailto:jlayman@reiok.org\" target=\"_blank\">jlayman@reiok.org</a>.\r\n<p align=\"center\"><b>***Third Party Origination is not allowed***</b></p>\r\n <strong>Program Highlights</strong>\r\n\r\n<strong>Structure:</strong> Up to 4.5% of the total loan amount in the form of a gift. The funds may be used to fund up to 100% of the Borrower\'s cash requirement to close, including the down payment, closing costs, pre-paid items and other related Mortgage Loan fees and expenses.  No portion of the gift funds can be paid to the Borrower unless the Borrower is being reimbursed for an overage of his/her earnest money deposit to the extent the minimum Borrower contribution has been satisfied.  Under the rate/term refinance option, any funds above the amount needed to pay the Borrower\'s loan related costs must be used to reduce the principal amount of the First Mortgage loan.\r\n\r\n<b>First Mortgage Origination Fee:  </b>Up to 1%.\r\n\r\n<strong>Interest rates:</strong> REI Down Payment Assistance will post First Mortgage interest rates by 9:00 a.m. C.S.T. daily on the Lender Portal at <a href=\"http://www.reigift100.org/\">www.reigift100.org</a>.  The rates are based on a 45 day or 60 day lock reservation to lender.    Loans must be delivered and purchased by U.S. Bank prior to rate lock expiration.  One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>15 days is 0.1875%</li>\r\n	<li>30 days is 0.375%</li>\r\n</ul>\r\n<p align=\"center\"><b>***Rates can be subject to intra-day pricing changes***</b></p>\r\n<strong>Income Limits:</strong> FHA, VA, &amp; HUD 184 - The Borrower\'s qualifying income must not exceed Program Income Limits.  Click on Area Median Income below to view income limits.  They can also be found in the Lender Portal at <a href=\"http://www.reigift100.org/\" target=\"_blank\">www.reigift100.org</a>.\r\n\r\nRural Development Loans - Income is based on Adjusted Household Income per Rural Development\'s Guidelines.  Income limits can be found by <a href=\"http://www.rurdev.usda.gov/SupportDocuments/OK%20GRH.pdf\" target=\"_blank\"><span style=\"text-decoration: underline;\">clicking here</span></a>.\r\n<p style=\"text-align: center;\"><b>***Lenders will be responsible for ensuring that the income meets program guidelines.***</b></p>\r\n<strong>Credit Score:</strong> Minimum credit score of 640.\r\n\r\n<strong>Maximum DTI:</strong> 45%\r\n\r\n<strong>First Time Home Buyer:</strong> No first-time home buyer requirement.\r\n\r\n<strong>Home Buyer Education:</strong> Recommended but not required.\r\n\r\n<strong>Lender Compensation, Fees, and Purchase:</strong> Please review the Program Summary and Program Guidelines below for compensation, loan fees, and purchase requirements.  These documents can also be found on the Lender Portal at <a href=\"http://www.reigift100.org/\" target=\"_blank\">www.reigift100.org</a>.\r\n\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/04/2014-Area-Median-Incomes-Gift-100-Program.pdf\" target=\"_blank\">2014 Area Median Income - Gift100 Program</a>', 'Gift100', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2014-04-07 13:33:51', '2014-04-07 13:33:51', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(430, 2, '2014-04-07 13:34:01', '2014-04-07 13:34:01', '<b>REI GIFT100 PROGRAM</b>\r\n\r\nREI Down Payment Assistance invests in Oklahoma’s future by providing housing opportunities to low income individuals and families.  The new statewide REI Gift100 Program provides a competitive first mortgage and down payment and closing cost assistance to eligible mortgagors. The down payment is in the form of a gift, second liens or deed restrictions are not required for this program. The program includes the following loan types:\r\n<ul>\r\n	<li>FHA – 203(b), 234(c) &amp; 203ks (lenders must have an additional approval from U.S. Bank to originate 203ks loans) – 30 year fixed rate</li>\r\n	<li>VA – 203(b) &amp; 234(c) – 30 year fixed rate</li>\r\n	<li>Rural Housing Guaranteed Loan – 30 year fixed rate</li>\r\n	<li>HUD Section 184 – 30 year fixed rate</li>\r\n</ul>\r\nRate/term refinance on any of the above loan products.<strong>\r\n</strong>\r\n\r\n<strong>Lenders:</strong> Lenders must be approved by U.S. Bank to participate in the REI Gift100 program.  Interested lenders should contact U.S. Bank Help desk at 1-800-562-5165 or <a href=\"mailto:mrbp.helpdesk@usbank.com\" target=\"_blank\">mrbp.helpdesk@usbank.com</a>.  You can also contact Dena Sherrill, Housing Program Manager, REI Down Payment Assistance at 1-800-658-2823 or <a href=\"mailto:dsherrill@reiok.org\" target=\"_blank\">dsherrill@reiok.org</a> or Jeremy Layman, Housing Program Specialist at <a href=\"mailto:jlayman@reiok.org\" target=\"_blank\">jlayman@reiok.org</a>.\r\n<p align=\"center\"><b>***Third Party Origination is not allowed***</b></p>\r\n <strong>Program Highlights</strong>\r\n\r\n<strong>Structure:</strong> Up to 4.5% of the total loan amount in the form of a gift. The funds may be used to fund up to 100% of the Borrower\'s cash requirement to close, including the down payment, closing costs, pre-paid items and other related Mortgage Loan fees and expenses.  No portion of the gift funds can be paid to the Borrower unless the Borrower is being reimbursed for an overage of his/her earnest money deposit to the extent the minimum Borrower contribution has been satisfied.  Under the rate/term refinance option, any funds above the amount needed to pay the Borrower\'s loan related costs must be used to reduce the principal amount of the First Mortgage loan.\r\n\r\n<b>First Mortgage Origination Fee:  </b>Up to 1%.\r\n\r\n<strong>Interest rates:</strong> REI Down Payment Assistance will post First Mortgage interest rates by 9:00 a.m. C.S.T. daily on the Lender Portal at <a href=\"http://www.reigift100.org/\">www.reigift100.org</a>.  The rates are based on a 45 day or 60 day lock reservation to lender.    Loans must be delivered and purchased by U.S. Bank prior to rate lock expiration.  One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>15 days is 0.1875%</li>\r\n	<li>30 days is 0.375%</li>\r\n</ul>\r\n<p align=\"center\"><b>***Rates can be subject to intra-day pricing changes***</b></p>\r\n<strong>Income Limits:</strong> FHA, VA, &amp; HUD 184 - The Borrower\'s qualifying income must not exceed Program Income Limits.  Click on Area Median Income below to view income limits.  They can also be found in the Lender Portal at <a href=\"http://www.reigift100.org/\" target=\"_blank\">www.reigift100.org</a>.\r\n\r\nRural Development Loans - Income is based on Adjusted Household Income per Rural Development\'s Guidelines.  Income limits can be found by <a href=\"http://www.rurdev.usda.gov/SupportDocuments/OK%20GRH.pdf\" target=\"_blank\"><span style=\"text-decoration: underline;\">clicking here</span></a>.\r\n<p style=\"text-align: center;\"><b>***Lenders will be responsible for ensuring that the income meets program guidelines.***</b></p>\r\n<strong>Credit Score:</strong> Minimum credit score of 640.\r\n\r\n<strong>Maximum DTI:</strong> 45%\r\n\r\n<strong>First Time Home Buyer:</strong> No first-time home buyer requirement.\r\n\r\n<strong>Home Buyer Education:</strong> Recommended but not required.\r\n\r\n<strong>Lender Compensation, Fees, and Purchase:</strong> Please review the Program Summary and Program Guidelines below for compensation, loan fees, and purchase requirements.  These documents can also be found on the Lender Portal at <a href=\"http://www.reigift100.org/\" target=\"_blank\">www.reigift100.org</a>.\r\n\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/04/2014-Area-Median-Incomes-Gift-100-Program.pdf\" target=\"_blank\">2014 Area Median Income - Gift100 Program</a>', 'Gift100', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2014-04-07 13:34:01', '2014-04-07 13:34:01', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(431, 2, '2014-04-07 13:45:31', '2014-04-07 13:45:31', '[hs-faq-cat id=\"7\"]\r\n\r\n&nbsp;\r\n<ul>\r\n 	<li><a href=\"https://reidownpayment.org/wp/wp-content/uploads/2021/09/REI-Home100-Program-Summary-20.08.17.pdf\" target=\"_blank\" rel=\"noopener\">Program Summary</a></li>\r\n 	<li><a href=\"https://reidownpayment.org/wp/wp-content/uploads/2021/06/2021-Area-Median-Incomes-FHA-VA.pdf\" target=\"_blank\" rel=\"noopener\">FHA &amp; VA Income Limits</a></li>\r\n 	<li><a href=\"https://reidownpayment.org/wp/wp-content/uploads/2020/08/US-Bank-Government-File-Checklist.pdf\" target=\"_blank\" rel=\"noopener\">Government Stacking Order</a></li>\r\n 	<li><a href=\"http://www.reihome100.org\" target=\"_blank\" rel=\"noopener\">Lender Portal</a></li>\r\n</ul>', 'REI Home100 Government Loan Program FAQ', '', 'publish', 'open', 'open', '', 'gift100-2', '', '', '2021-09-13 19:10:26', '2021-09-13 19:10:26', '', 7, 'http://reidownpayment.org/?page_id=431', 0, 'page', '', 0),
(432, 2, '2014-04-07 13:45:31', '2014-04-07 13:45:31', '<b>REI GIFT100 PROGRAM</b>\r\n\r\nREI Down Payment Assistance invests in Oklahoma’s future by providing housing opportunities to low income individuals and families.  The new statewide REI Gift100 Program provides a competitive first mortgage and down payment and closing cost assistance to eligible mortgagors. The down payment is in the form of a gift, second liens or deed restrictions are not required for this program. The program includes the following loan types:\r\n<ul>\r\n	<li>FHA – 203(b), 234(c) &amp; 203ks (lenders must have an additional approval from U.S. Bank to originate 203ks loans) – 30 year fixed rate</li>\r\n	<li>VA – 203(b) &amp; 234(c) – 30 year fixed rate</li>\r\n	<li>Rural Housing Guaranteed Loan – 30 year fixed rate</li>\r\n	<li>HUD Section 184 – 30 year fixed rate</li>\r\n</ul>\r\nRate/term refinance on any of the above loan products.<strong>\r\n</strong>\r\n\r\n<strong>Lenders:</strong> Lenders must be approved by U.S. Bank to participate in the REI Gift100 program.  Interested lenders should contact U.S. Bank Help desk at 1-800-562-5165 or <a href=\"mailto:mrbp.helpdesk@usbank.com\" target=\"_blank\">mrbp.helpdesk@usbank.com</a>.  You can also contact Dena Sherrill, Housing Program Manager, REI Down Payment Assistance at 1-800-658-2823 or <a href=\"mailto:dsherrill@reiok.org\" target=\"_blank\">dsherrill@reiok.org</a> or Jeremy Layman, Housing Program Specialist at <a href=\"mailto:jlayman@reiok.org\" target=\"_blank\">jlayman@reiok.org</a>.\r\n<p align=\"center\"><b>***Third Party Origination is not allowed***</b></p>\r\n <strong>Program Highlights</strong>\r\n\r\n<strong>Structure:</strong> Up to 4.5% of the total loan amount in the form of a gift. The funds may be used to fund up to 100% of the Borrower\'s cash requirement to close, including the down payment, closing costs, pre-paid items and other related Mortgage Loan fees and expenses.  No portion of the gift funds can be paid to the Borrower unless the Borrower is being reimbursed for an overage of his/her earnest money deposit to the extent the minimum Borrower contribution has been satisfied.  Under the rate/term refinance option, any funds above the amount needed to pay the Borrower\'s loan related costs must be used to reduce the principal amount of the First Mortgage loan.\r\n\r\n<b>First Mortgage Origination Fee:  </b>Up to 1%.\r\n\r\n<strong>Interest rates:</strong> REI Down Payment Assistance will post First Mortgage interest rates by 9:00 a.m. C.S.T. daily on the Lender Portal at <a href=\"http://www.reigift100.org/\">www.reigift100.org</a>.  The rates are based on a 45 day or 60 day lock reservation to lender.    Loans must be delivered and purchased by U.S. Bank prior to rate lock expiration.  One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>15 days is 0.1875%</li>\r\n	<li>30 days is 0.375%</li>\r\n</ul>\r\n<p align=\"center\"><b>***Rates can be subject to intra-day pricing changes***</b></p>\r\n<strong>Income Limits:</strong> FHA, VA, &amp; HUD 184 - The Borrower\'s qualifying income must not exceed Program Income Limits.  Click on Area Median Income below to view income limits.  They can also be found in the Lender Portal at <a href=\"http://www.reigift100.org/\" target=\"_blank\">www.reigift100.org</a>.\r\n\r\nRural Development Loans - Income is based on Adjusted Household Income per Rural Development\'s Guidelines.  Income limits can be found by <a href=\"http://www.rurdev.usda.gov/SupportDocuments/OK%20GRH.pdf\" target=\"_blank\">clicking here</a>.\r\n\r\n<b>***Lenders will be responsible for ensuring that the income meets program guidelines.***</b>\r\n\r\n<strong>Credit Score:</strong> Minimum credit score of 640.\r\n\r\n<strong>Maximum DTI:</strong> 45%\r\n\r\n<strong>First Time Home Buyer:</strong> No first-time home buyer requirement.\r\n\r\n<strong>Home Buyer Education:</strong> Recommended but not required.\r\n\r\n<strong>Lender Compensation, Fees, and Purchase:</strong> Please review the Program Summary and Program Guidelines below for compensation, loan fees, and purchase requirements.  These documents can also be found on the Lender Portal at <a href=\"http://www.reigift100.org/\" target=\"_blank\">www.reigift100.org</a>.\r\n\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/04/2014-Area-Median-Incomes-Gift-100-Program.pdf\" target=\"_blank\">2014 Area Median Income - Gift100 Program</a>', 'Gift100', '', 'inherit', 'open', 'open', '', '431-revision-v1', '', '', '2014-04-07 13:45:31', '2014-04-07 13:45:31', '', 431, 'http://reidownpayment.org/431-revision-v1/', 0, 'revision', '', 0),
(434, 2, '2014-04-07 13:49:56', '2014-04-07 13:49:56', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nThe rates are based on a 45 day or 60 day lock reservation to lender.    Loans must be delivered and purchased by U.S. Bank prior to rate lock expiration.  One time extension can be purchased at the following rates:\r\n\r\n•             15 days is 0.1875%\r\n•             30 days is 0.375%\r\n\r\n&nbsp;\r\n\r\nClick here for Program Highlights\r\n\r\n&nbsp;', 'Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2014-04-07 13:49:56', '2014-04-07 13:49:56', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(435, 2, '2014-04-07 13:50:03', '2014-04-07 13:50:03', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nThe rates are based on a 45 day or 60 day lock reservation to lender.    Loans must be delivered and purchased by U.S. Bank prior to rate lock expiration.  One time extension can be purchased at the following rates:\r\n\r\n•             15 days is 0.1875%\r\n•             30 days is 0.375%\r\n\r\n&nbsp;\r\n\r\nClick here for Program Highlights\r\n\r\n&nbsp;', 'Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2014-04-07 13:50:03', '2014-04-07 13:50:03', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(436, 2, '2014-04-07 13:50:17', '2014-04-07 13:50:17', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nThe rates are based on a 45 day or 60 day lock reservation to lender.    Loans must be delivered and purchased by U.S. Bank prior to rate lock expiration.  One time extension can be purchased at the following rates:\r\n\r\n•             15 days is 0.1875%\r\n•             30 days is 0.375%\r\n\r\n&nbsp;\r\n\r\nClick here for Program Highlights\r\n\r\n&nbsp;', 'Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2014-04-07 13:50:17', '2014-04-07 13:50:17', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(437, 2, '2014-04-07 13:50:28', '2014-04-07 13:50:28', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nThe rates are based on a 45 day or 60 day lock reservation to lender.    Loans must be delivered and purchased by U.S. Bank prior to rate lock expiration.  One time extension can be purchased at the following rates:\r\n\r\n•             15 days is 0.1875%\r\n•             30 days is 0.375%\r\n\r\n&nbsp;\r\n\r\nClick here for Program Highlights\r\n\r\n&nbsp;', 'Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2014-04-07 13:50:28', '2014-04-07 13:50:28', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(438, 2, '2014-04-07 13:50:40', '2014-04-07 13:50:40', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nThe rates are based on a 45 day or 60 day lock reservation to lender.    Loans must be delivered and purchased by U.S. Bank prior to rate lock expiration.  One time extension can be purchased at the following rates:\r\n\r\n•             15 days is 0.1875%\r\n•             30 days is 0.375%\r\n\r\nClick here for Program Highlights\r\n\r\n&nbsp;', 'Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2014-04-07 13:50:40', '2014-04-07 13:50:40', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(439, 2, '2014-04-07 13:50:52', '2014-04-07 13:50:52', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nThe rates are based on a 45 day lock reservation to lender.    Loans must be delivered and purchased by U.S. Bank prior to rate lock expiration.  One time extension can be purchased at the following rates:\r\n\r\n•             15 days is 0.1875%\r\n•             30 days is 0.375%\r\n\r\nClick here for Program Highlights\r\n\r\n&nbsp;', 'Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2014-04-07 13:50:52', '2014-04-07 13:50:52', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(440, 2, '2014-04-07 13:52:40', '2014-04-07 13:52:40', '<b>REI GIFT100 PROGRAM</b>\r\n\r\nREI Down Payment Assistance invests in Oklahoma’s future by providing housing opportunities to low income individuals and families.  The new statewide REI Gift100 Program provides a competitive first mortgage and down payment and closing cost assistance to eligible mortgagors. The down payment is in the form of a gift, second liens or deed restrictions are not required for this program. The program includes the following loan types:\r\n<ul>\r\n	<li>FHA – 203(b), 234(c) &amp; 203ks (lenders must have an additional approval from U.S. Bank to originate 203ks loans) – 30 year fixed rate</li>\r\n	<li>VA – 203(b) &amp; 234(c) – 30 year fixed rate</li>\r\n	<li>Rural Housing Guaranteed Loan – 30 year fixed rate</li>\r\n	<li>HUD Section 184 – 30 year fixed rate</li>\r\n</ul>\r\nRate/term refinance on any of the above loan products.<strong>\r\n</strong>\r\n\r\n<strong>Lenders:</strong> Lenders must be approved by U.S. Bank to participate in the REI Gift100 program.  Interested lenders should contact U.S. Bank Help desk at 1-800-562-5165 or <a href=\"mailto:mrbp.helpdesk@usbank.com\" target=\"_blank\">mrbp.helpdesk@usbank.com</a>.  You can also contact Dena Sherrill, Housing Program Manager, REI Down Payment Assistance at 1-800-658-2823 or <a href=\"mailto:dsherrill@reiok.org\" target=\"_blank\">dsherrill@reiok.org</a> or Jeremy Layman, Housing Program Specialist at <a href=\"mailto:jlayman@reiok.org\" target=\"_blank\">jlayman@reiok.org</a>.\r\n<p align=\"center\"><b>***Third Party Origination is not allowed***</b></p>\r\n <strong>Program Highlights</strong>\r\n\r\n<strong>Structure:</strong> Up to 4.5% of the total loan amount in the form of a gift. The funds may be used to fund up to 100% of the Borrower\'s cash requirement to close, including the down payment, closing costs, pre-paid items and other related Mortgage Loan fees and expenses.  No portion of the gift funds can be paid to the Borrower unless the Borrower is being reimbursed for an overage of his/her earnest money deposit to the extent the minimum Borrower contribution has been satisfied.  Under the rate/term refinance option, any funds above the amount needed to pay the Borrower\'s loan related costs must be used to reduce the principal amount of the First Mortgage loan.\r\n\r\n<b>First Mortgage Origination Fee:  </b>Up to 1%.\r\n\r\n<strong>Interest rates:</strong> REI Down Payment Assistance will post First Mortgage interest rates by 9:00 a.m. C.S.T. daily on the Lender Portal at <a href=\"http://www.reigift100.org/\">www.reigift100.org</a>.  The rates are based on a 45 day lock reservation to lender.    Loans must be delivered and purchased by U.S. Bank prior to rate lock expiration.  One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>15 days is 0.1875%</li>\r\n	<li>30 days is 0.375%</li>\r\n</ul>\r\n<p align=\"center\"><b>***Rates can be subject to intra-day pricing changes***</b></p>\r\n<strong>Income Limits:</strong> FHA, VA, &amp; HUD 184 - The Borrower\'s qualifying income must not exceed Program Income Limits.  Click on Area Median Income below to view income limits.  They can also be found in the Lender Portal at <a href=\"http://www.reigift100.org/\" target=\"_blank\">www.reigift100.org</a>.\r\n\r\nRural Development Loans - Income is based on Adjusted Household Income per Rural Development\'s Guidelines.  Income limits can be found by <a href=\"http://www.rurdev.usda.gov/SupportDocuments/OK%20GRH.pdf\" target=\"_blank\">clicking here</a>.\r\n\r\n<b>***Lenders will be responsible for ensuring that the income meets program guidelines.***</b>\r\n\r\n<strong>Credit Score:</strong> Minimum credit score of 640.\r\n\r\n<strong>Maximum DTI:</strong> 45%\r\n\r\n<strong>First Time Home Buyer:</strong> No first-time home buyer requirement.\r\n\r\n<strong>Home Buyer Education:</strong> Recommended but not required.\r\n\r\n<strong>Lender Compensation, Fees, and Purchase:</strong> Please review the Program Summary and Program Guidelines below for compensation, loan fees, and purchase requirements.  These documents can also be found on the Lender Portal at <a href=\"http://www.reigift100.org/\" target=\"_blank\">www.reigift100.org</a>.\r\n\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/04/2014-Area-Median-Incomes-Gift-100-Program.pdf\" target=\"_blank\">2014 Area Median Income - Gift100 Program</a>', 'Gift100', '', 'inherit', 'open', 'open', '', '431-revision-v1', '', '', '2014-04-07 13:52:40', '2014-04-07 13:52:40', '', 431, 'http://reidownpayment.org/431-revision-v1/', 0, 'revision', '', 0),
(441, 2, '2014-04-07 13:54:08', '2014-04-07 13:54:08', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nThe rates are based on a 45 day lock reservation to lender.    Loans must be delivered and purchased by U.S. Bank prior to rate lock expiration.  One time extension can be purchased at the following rates:\r\n\r\n•             15 days is 0.1875%\r\n•             30 days is 0.375%\r\n\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n&nbsp;', 'Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2014-04-07 13:54:08', '2014-04-07 13:54:08', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(442, 2, '2014-04-07 14:06:40', '2014-04-07 14:06:40', '', 'REI Gift100 Program Summary', '', 'inherit', 'open', 'open', '', 'rei-gift100-program-summary', '', '', '2014-04-07 14:06:40', '2014-04-07 14:06:40', '', 0, 'http://reidownpayment.org/wp/wp-content/uploads/2014/04/REI-Gift100-Program-Summary.pdf', 0, 'attachment', 'application/pdf', 0),
(443, 2, '2014-04-07 14:07:49', '2014-04-07 14:07:49', '<b>REI GIFT100 PROGRAM</b>\r\n\r\nREI Down Payment Assistance invests in Oklahoma’s future by providing housing opportunities to low income individuals and families.  The new statewide REI Gift100 Program provides a competitive first mortgage and down payment and closing cost assistance to eligible mortgagors. The down payment is in the form of a gift, second liens or deed restrictions are not required for this program. The program includes the following loan types:\r\n<ul>\r\n	<li>FHA – 203(b), 234(c) &amp; 203ks (lenders must have an additional approval from U.S. Bank to originate 203ks loans) – 30 year fixed rate</li>\r\n	<li>VA – 203(b) &amp; 234(c) – 30 year fixed rate</li>\r\n	<li>Rural Housing Guaranteed Loan – 30 year fixed rate</li>\r\n	<li>HUD Section 184 – 30 year fixed rate</li>\r\n</ul>\r\nRate/term refinance on any of the above loan products.<strong>\r\n</strong>\r\n\r\n<strong>Lenders:</strong> Lenders must be approved by U.S. Bank to participate in the REI Gift100 program.  Interested lenders should contact U.S. Bank Help desk at 1-800-562-5165 or <a href=\"mailto:mrbp.helpdesk@usbank.com\" target=\"_blank\">mrbp.helpdesk@usbank.com</a>.  You can also contact Dena Sherrill, Housing Program Manager, REI Down Payment Assistance at 1-800-658-2823 or <a href=\"mailto:dsherrill@reiok.org\" target=\"_blank\">dsherrill@reiok.org</a> or Jeremy Layman, Housing Program Specialist at <a href=\"mailto:jlayman@reiok.org\" target=\"_blank\">jlayman@reiok.org</a>.\r\n<p align=\"center\"><b>***Third Party Origination is not allowed***</b></p>\r\n <strong>Program Highlights</strong>\r\n\r\n<strong>Structure:</strong> Up to 4.5% of the total loan amount in the form of a gift. The funds may be used to fund up to 100% of the Borrower\'s cash requirement to close, including the down payment, closing costs, pre-paid items and other related Mortgage Loan fees and expenses.  No portion of the gift funds can be paid to the Borrower unless the Borrower is being reimbursed for an overage of his/her earnest money deposit to the extent the minimum Borrower contribution has been satisfied.  Under the rate/term refinance option, any funds above the amount needed to pay the Borrower\'s loan related costs must be used to reduce the principal amount of the First Mortgage loan.\r\n\r\n<b>First Mortgage Origination Fee:  </b>Up to 1%.\r\n\r\n<strong>Interest rates:</strong> REI Down Payment Assistance will post First Mortgage interest rates by 9:00 a.m. C.S.T. daily on the Lender Portal at <a href=\"http://www.reigift100.org/\">www.reigift100.org</a>.  The rates are based on a 45 day lock reservation to lender.    Loans must be delivered and purchased by U.S. Bank prior to rate lock expiration.  One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>15 days is 0.1875%</li>\r\n	<li>30 days is 0.375%</li>\r\n</ul>\r\n<p align=\"center\"><b>***Rates can be subject to intra-day pricing changes***</b></p>\r\n<strong>Income Limits:</strong> FHA, VA, &amp; HUD 184 - The Borrower\'s qualifying income must not exceed Program Income Limits.  Click on Area Median Income below to view income limits.  They can also be found in the Lender Portal at <a href=\"http://www.reigift100.org/\" target=\"_blank\">www.reigift100.org</a>.\r\n\r\nRural Development Loans - Income is based on Adjusted Household Income per Rural Development\'s Guidelines.  Income limits can be found by <a href=\"http://www.rurdev.usda.gov/SupportDocuments/OK%20GRH.pdf\" target=\"_blank\">clicking here</a>.\r\n\r\n<b>***Lenders will be responsible for ensuring that the income meets program guidelines.***</b>\r\n\r\n<strong>Credit Score:</strong> Minimum credit score of 640.\r\n\r\n<strong>Maximum DTI:</strong> 45%\r\n\r\n<strong>First Time Home Buyer:</strong> No first-time home buyer requirement.\r\n\r\n<strong>Home Buyer Education:</strong> Recommended but not required.\r\n\r\n<strong>Lender Compensation, Fees, and Purchase:</strong> Please review the Program Summary and Program Guidelines below for compensation, loan fees, and purchase requirements.  These documents can also be found on the Lender Portal at <a href=\"http://www.reigift100.org/\" target=\"_blank\">www.reigift100.org</a>.\r\n\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/04/2014-Area-Median-Incomes-Gift-100-Program.pdf\" target=\"_blank\">2014 Area Median Income - Gift100 Program</a>\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/04/REI-Gift100-Program-Summary.pdf\" target=\"_blank\">REI Gift100 Program Summary</a>', 'Gift100', '', 'inherit', 'open', 'open', '', '431-revision-v1', '', '', '2014-04-07 14:07:49', '2014-04-07 14:07:49', '', 431, 'http://reidownpayment.org/431-revision-v1/', 0, 'revision', '', 0),
(444, 2, '2020-02-04 21:54:39', '2020-02-04 21:54:39', '[hs-faq-cat id=\"7\"]\n\n&nbsp;\n<ul>\n 	<li><a href=\"https://reidownpayment.org/wp/wp-content/uploads/2020/02/REI-Home100-Program-Summary-20.2.03-1.pdf\" target=\"_blank\" rel=\"noopener\">Program Summary</a></li>\n 	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2019/05/2019-Updated-Area-Median-Incomes-FHA-VA.pdf\" target=\"_blank\" rel=\"noopener\">FHA &amp; VA Income Limits</a></li>\n 	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2016/05/Government-Loan-Delivery-Checklist-2.12.16.pdf\" target=\"_blank\" rel=\"noopener\">Government Stacking Order</a></li>\n 	<li><a href=\"http://www.reihome100.org\" target=\"_blank\" rel=\"noopener\">Lender Portal</a></li>\n</ul>\n<strong>US Bank Forms &amp; Bulletins:</strong>\n<ul>\n 	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/05/USB-002-DPA-Form.pdf\" target=\"_blank\" rel=\"noopener\">US Bank Down Payment Assistance Form</a></li>\n</ul>', 'REI Home100 Government Loan Program FAQ', '', 'inherit', 'open', 'open', '', '431-autosave-v1', '', '', '2020-02-04 21:54:39', '2020-02-04 21:54:39', '', 431, 'http://reidownpayment.org/431-autosave-v1/', 0, 'revision', '', 0),
(445, 2, '2014-04-07 14:09:13', '2014-04-07 14:09:13', '<b>REI GIFT100 PROGRAM</b>\r\n\r\nREI Down Payment Assistance invests in Oklahoma’s future by providing housing opportunities to low income individuals and families.  The new statewide REI Gift100 Program provides a competitive first mortgage and down payment and closing cost assistance to eligible mortgagors. The down payment is in the form of a gift, second liens or deed restrictions are not required for this program. The program includes the following loan types:\r\n<ul>\r\n	<li>FHA – 203(b), 234(c) &amp; 203ks (lenders must have an additional approval from U.S. Bank to originate 203ks loans) – 30 year fixed rate</li>\r\n	<li>VA – 203(b) &amp; 234(c) – 30 year fixed rate</li>\r\n	<li>Rural Housing Guaranteed Loan – 30 year fixed rate</li>\r\n	<li>HUD Section 184 – 30 year fixed rate</li>\r\n</ul>\r\nRate/term refinance on any of the above loan products.<strong>\r\n</strong>\r\n\r\n<strong>Lenders:</strong> Lenders must be approved by U.S. Bank to participate in the REI Gift100 program.  Interested lenders should contact U.S. Bank Help desk at 1-800-562-5165 or <a href=\"mailto:mrbp.helpdesk@usbank.com\" target=\"_blank\">mrbp.helpdesk@usbank.com</a>.  You can also contact Dena Sherrill, Housing Program Manager, REI Down Payment Assistance at 1-800-658-2823 or <a href=\"mailto:dsherrill@reiok.org\" target=\"_blank\">dsherrill@reiok.org</a> or Jeremy Layman, Housing Program Specialist at <a href=\"mailto:jlayman@reiok.org\" target=\"_blank\">jlayman@reiok.org</a>.\r\n<p align=\"center\"><b>***Third Party Origination is not allowed***</b></p>\r\n <strong>Program Highlights</strong>\r\n\r\n<strong>Structure:</strong> Up to 4.5% of the total loan amount in the form of a gift. The funds may be used to fund up to 100% of the Borrower\'s cash requirement to close, including the down payment, closing costs, pre-paid items and other related Mortgage Loan fees and expenses.  No portion of the gift funds can be paid to the Borrower unless the Borrower is being reimbursed for an overage of his/her earnest money deposit to the extent the minimum Borrower contribution has been satisfied.  Under the rate/term refinance option, any funds above the amount needed to pay the Borrower\'s loan related costs must be used to reduce the principal amount of the First Mortgage loan.\r\n\r\n<b>First Mortgage Origination Fee:  </b>Up to 1%.\r\n\r\n<strong>Interest rates:</strong> REI Down Payment Assistance will post First Mortgage interest rates by 9:00 a.m. C.S.T. daily on the Lender Portal at <a href=\"http://www.reigift100.org/\">www.reigift100.org</a>.  The rates are based on a 45 day lock reservation to lender.    Loans must be delivered and purchased by U.S. Bank prior to rate lock expiration.  One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>15 days is 0.1875%</li>\r\n	<li>30 days is 0.375%</li>\r\n</ul>\r\n<p align=\"center\"><b>***Rates can be subject to intra-day pricing changes***</b></p>\r\n<strong>Income Limits:</strong> FHA, VA, &amp; HUD 184 - The Borrower\'s qualifying income must not exceed Program Income Limits.  Click on Area Median Income below to view income limits.  They can also be found in the Lender Portal at <a href=\"http://www.reigift100.org/\" target=\"_blank\">www.reigift100.org</a>.\r\n\r\nRural Development Loans - Income is based on Adjusted Household Income per Rural Development\'s Guidelines.  Income limits can be found by <a href=\"http://www.rurdev.usda.gov/SupportDocuments/OK%20GRH.pdf\" target=\"_blank\">clicking here</a>.\r\n\r\n<b>***Lenders will be responsible for ensuring that the income meets program guidelines.***</b>\r\n\r\n<strong>Credit Score:</strong> Minimum credit score of 640.\r\n\r\n<strong>Maximum DTI:</strong> 45%\r\n\r\n<strong>First Time Home Buyer:</strong> No first-time home buyer requirement.\r\n\r\n<strong>Home Buyer Education:</strong> Recommended but not required.\r\n\r\n<strong>Lender Compensation, Fees, and Purchase:</strong> Please review the Program Summary and Program Guidelines below for compensation, loan fees, and purchase requirements.  These documents can also be found on the Lender Portal at <a href=\"http://www.reigift100.org/\" target=\"_blank\">www.reigift100.org</a>.\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/04/2014-Area-Median-Incomes-Gift-100-Program.pdf\" target=\"_blank\">2014 Area Median Income - Gift100 Program</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/04/REI-Gift100-Program-Summary.pdf\" target=\"_blank\">REI Gift100 Program Summary</a></li>\r\n</ul>', 'Gift100', '', 'inherit', 'open', 'open', '', '431-revision-v1', '', '', '2014-04-07 14:09:13', '2014-04-07 14:09:13', '', 431, 'http://reidownpayment.org/431-revision-v1/', 0, 'revision', '', 0);
INSERT INTO `wp_posts` (`ID`, `post_author`, `post_date`, `post_date_gmt`, `post_content`, `post_title`, `post_excerpt`, `post_status`, `comment_status`, `ping_status`, `post_password`, `post_name`, `to_ping`, `pinged`, `post_modified`, `post_modified_gmt`, `post_content_filtered`, `post_parent`, `guid`, `menu_order`, `post_type`, `post_mime_type`, `comment_count`) VALUES
(446, 2, '2014-04-07 14:10:30', '2014-04-07 14:10:30', '<img class=\"size-full wp-image-146 alignright\" alt=\"homebuyers-pic-1\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/homebuyers-pic-1.png\" width=\"348\" height=\"348\" />\r\n\r\n<strong>REI Gift100</strong>\r\n\r\nREI Down Payment Assistance invests in Oklahoma’s future by providing housing opportunities to low income individuals and families. The new statewide REI Gift100 Program provides a competitive first mortgage and down payment/closing cost assistance to eligible mortgagors.  The down payment is in the form of a gift, you are not required to pay this back and there will not be any second liens or deed restrictions against your property.  This program can be used with the following loan types:\r\n<ul>\r\n	<li>FHA</li>\r\n	<li>VA</li>\r\n	<li>Rural Development</li>\r\n	<li>HUD Section 184</li>\r\n</ul>\r\nRate/term refinance on any of the above loan products.\r\n\r\n<strong>Program Highlights:</strong>\r\n\r\n<strong>Structure:</strong> Up to 4.5% of the total loan amount in the form of a gift.  The funds may be used to fund up to 100% of the Borrower\'s cash requirement to close, including the down payment, closing costs, pre-paid items and other related Mortgage Loan fees and expenses.\r\n\r\n<strong>Lenders:</strong> You may use the lender of your choice, if they are approved for the REI Gift100 program.   Many lenders throughout the state are approved.  If you are using a lender that is not familiar with the program or is not approved, please have them contact Dena Sherrill, REI Down Payment Assistance Manager at 800-658-2823 or <a href=\"mailto:dsherrill@reiok.org\">dsherrill@reiok.org</a>.\r\n\r\n<strong>Income Limits:</strong> Income limits apply based on qualifying income and household size.  Click on the Area Median Income link below to view income requirements.\r\n\r\n<strong>Credit Score:</strong> Minimum credit score of 640.\r\n\r\n<strong>First Time Home Buyer:</strong> You do not have to be a first-time home buyer for this program.\r\n\r\n<strong>Home Buyer Education:</strong> Recommended but not required.\r\n\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/04/2014-Area-Median-Incomes-Gift-100-Program.pdf\" target=\"_blank\">2014 Area Median Incomes - Gift100 Program</a>', 'Gift100', '', 'inherit', 'open', 'open', '', '168-revision-v1', '', '', '2014-04-07 14:10:30', '2014-04-07 14:10:30', '', 168, 'http://reidownpayment.org/168-revision-v1/', 0, 'revision', '', 0),
(447, 2, '2014-04-07 14:11:23', '2014-04-07 14:11:23', '<img class=\"size-full wp-image-146 alignright\" alt=\"homebuyers-pic-1\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/homebuyers-pic-1.png\" width=\"348\" height=\"348\" />\r\n\r\n<strong>REI Gift100</strong>\r\n\r\nREI Down Payment Assistance invests in Oklahoma’s future by providing housing opportunities to low income individuals and families. The new statewide REI Gift100 Program provides a competitive first mortgage and down payment/closing cost assistance to eligible mortgagors.  The down payment is in the form of a gift, you are not required to pay this back and there will not be any second liens or deed restrictions against your property.  This program can be used with the following loan types:\r\n<ul>\r\n	<li>FHA</li>\r\n	<li>VA</li>\r\n	<li>Rural Development</li>\r\n	<li>HUD Section 184</li>\r\n</ul>\r\nRate/term refinance on any of the above loan products.\r\n\r\n<strong>Program Highlights:</strong>\r\n\r\n<strong>Structure:</strong> Up to 4.5% of the total loan amount in the form of a gift.  The funds may be used to fund up to 100% of the Borrower\'s cash requirement to close, including the down payment, closing costs, pre-paid items and other related Mortgage Loan fees and expenses.\r\n\r\n<strong>Lenders:</strong> You may use the lender of your choice, if they are approved for the REI Gift100 program.   Many lenders throughout the state are approved.  If you are using a lender that is not familiar with the program or is not approved, please have them contact Dena Sherrill, REI Down Payment Assistance Manager at 800-658-2823 or <a href=\"mailto:dsherrill@reiok.org\">dsherrill@reiok.org</a>.\r\n\r\n<strong>Income Limits:</strong> Income limits apply based on qualifying income and household size.  Click on the Area Median Income link below to view income requirements.\r\n\r\n<strong>Credit Score:</strong> Minimum credit score of 640.\r\n\r\n<strong>First Time Home Buyer:</strong> You do not have to be a first-time home buyer for this program.\r\n\r\n<strong>Home Buyer Education:</strong> Recommended but not required.\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/04/2014-Area-Median-Incomes-Gift-100-Program.pdf\" target=\"_blank\">2014 Area Median Incomes - Gift100 Program</a></li>\r\n</ul>', 'Gift100', '', 'inherit', 'open', 'open', '', '168-revision-v1', '', '', '2014-04-07 14:11:23', '2014-04-07 14:11:23', '', 168, 'http://reidownpayment.org/168-revision-v1/', 0, 'revision', '', 0),
(448, 2, '2014-04-07 14:12:36', '2014-04-07 14:12:36', '<div lang=\"EN-US\">\r\n\r\nREI Down Payment Assistance provides down payment and closing cost assistance to eligible borrowers through partnerships with lenders across the state. The programs are developed for people who have good jobs and the ability to re-pay a loan, but have not been able to save for the down payment or closing costs on a home.\r\n<ul>\r\n	<li><strong><a title=\"Choice100 Program\" href=\"http://reidownpayment.org/home-buyers/choice-100/\">REI CHOICE100 </a></strong><a title=\"Choice100 Program\" href=\"http://reidownpayment.org/home-buyers/choice-100/\">(click for more info)</a></li>\r\n</ul>\r\n<strong>Down Payment and Closing Cost Assistance - Fannie Mae My Community Mortgage Loans</strong>\r\n\r\nThe REI Choice100 program is just that, it provides you with numerous choices and types of assistance. 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<ul>\r\n	<li><strong><a href=\"http://reidownpayment.org/home-buyers/gift100/\">REI Gift100 </a></strong><a href=\"http://reidownpayment.org/home-buyers/gift100/\">(click for more info)</a></li>\r\n</ul>\r\n<strong>Down Payment and Closing Cost Assistance</strong>\r\n\r\nREI Down Payment Assistance invests in Oklahoma’s future by providing housing opportunities to low income individuals and families. The new statewide REI Gift100 Program provides a competitive first mortgage and down payment/closing cost assistance to eligible mortgagors.  The down payment is in the form of a gift, you are not required to pay this back and there will not be any second liens or deed restrictions against your property.\r\n\r\n</div>', 'Home Buyers', '', 'inherit', 'open', 'open', '', '6-revision-v1', '', '', '2014-04-07 14:12:36', '2014-04-07 14:12:36', '', 6, 'http://reidownpayment.org/6-revision-v1/', 0, 'revision', '', 0),
(449, 2, '2014-04-07 14:12:55', '2014-04-07 14:12:55', '<div lang=\"EN-US\">\r\n\r\nREI Down Payment Assistance provides down payment and closing cost assistance to eligible borrowers through partnerships with lenders across the state. The programs are developed for people who have good jobs and the ability to re-pay a loan, but have not been able to save for the down payment or closing costs on a home.\r\n<ul>\r\n	<li><strong><a title=\"Choice100 Program\" href=\"http://reidownpayment.org/home-buyers/choice-100/\">REI CHOICE100 </a></strong><a title=\"Choice100 Program\" href=\"http://reidownpayment.org/home-buyers/choice-100/\">(click for more info)</a></li>\r\n<strong>Down Payment and Closing Cost Assistance - Fannie Mae My Community Mortgage Loans</strong>\r\n\r\nThe REI Choice100 program is just that, it provides you with numerous choices and types of assistance. 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<ul>\r\n	<li><strong><a href=\"http://reidownpayment.org/home-buyers/gift100/\">REI Gift100 </a></strong><a href=\"http://reidownpayment.org/home-buyers/gift100/\">(click for more info)</a></li>\r\n<strong>Down Payment and Closing Cost Assistance</strong>\r\n\r\nREI Down Payment Assistance invests in Oklahoma’s future by providing housing opportunities to low income individuals and families. The new statewide REI Gift100 Program provides a competitive first mortgage and down payment/closing cost assistance to eligible mortgagors.  The down payment is in the form of a gift, you are not required to pay this back and there will not be any second liens or deed restrictions against your property.\r\n\r\n</div>', 'Home Buyers', '', 'inherit', 'open', 'open', '', '6-revision-v1', '', '', '2014-04-07 14:12:55', '2014-04-07 14:12:55', '', 6, 'http://reidownpayment.org/6-revision-v1/', 0, 'revision', '', 0),
(450, 2, '2014-04-07 14:13:41', '2014-04-07 14:13:41', 'Saving for the down payment and/or closing costs can be one of the biggest hurdles many people face when purchasing a home. To help home buyers attain homeownership, REI Down Payment Assistance offers REI CHOICE100 and REI Gift100, two options that allow you to offer closing cost and down payment to your borrower.\r\n<ul>\r\n<ul>\r\n	<li><strong><a title=\"Choice100 Program\" href=\"http://reidownpayment.org/lenders/choice100-program/\">REI CHOICE100 </a></strong><a title=\"Choice100 Program\" href=\"http://reidownpayment.org/lenders/choice100-program/\">(click for more info)</a></li>\r\n</ul>\r\n</ul>\r\n<strong>Down Payment and Closing Cost Assistance - Fannie Mae My Community Mortgage Loans</strong>\r\n\r\nThe REI Choice100 program is just that, it provides you with numerous choices and types of assistance for your borrowers. The program is utilized with Fannie Mae\'s 95% My Community Mortgage loan. We have structured the program to provide the borrower with a second mortgage of 5% along with the choice to pay a higher interest rate and receive 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.\r\n\r\nThis program can also be used for a rate/term refinance of existing loans. Any loan that is refinanced must prove a demonstrable benefit to the borrower (i.e. lower payments, term, or interest rates). Cash out refinances are not eligible.\r\n<ul>\r\n<ul>\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/lenders/gift100/\"><strong>REI Gift100 </strong>(click for more info)</a></li>\r\n</ul>\r\n</ul>\r\n</ul>\r\n<strong>Down Payment and Closing Cost Assistance</strong>\r\n\r\nREI Down Payment Assistance invests in Oklahoma’s future by providing housing opportunities to low income individuals and families. The new statewide REI Gift100 Program provides a competitive first mortgage and down payment and closing cost assistance to eligible mortgagors. The down payment is in the form of a gift, second liens or deed restrictions are not required for this program. The program includes the following loan types:\r\n<ul>\r\n<ul>\r\n<ul>\r\n<ul>\r\n	<li>FHA – 203(b), 234(c) &amp; 203ks (lenders must have an additional approval from U.S. Bank to originate 203ks loans) – 30 year fixed rate</li>\r\n	<li>VA – 203(b) &amp; 234(c) – 30 year fixed rate</li>\r\n	<li>Rural Housing Guaranteed Loan – 30 year fixed rate</li>\r\n	<li>HUD Section 184 – 30 year fixed rate</li>\r\n</ul>\r\n</ul>\r\n</ul>\r\n</ul>\r\nRate/term refinance on any of the above loan products.<strong>\r\n</strong>', 'Lenders', '', 'inherit', 'open', 'open', '', '7-revision-v1', '', '', '2014-04-07 14:13:41', '2014-04-07 14:13:41', '', 7, 'http://reidownpayment.org/7-revision-v1/', 0, 'revision', '', 0),
(451, 2, '2014-04-07 14:14:10', '2014-04-07 14:14:10', 'Saving for the down payment and/or closing costs can be one of the biggest hurdles many people face when purchasing a home. To help home buyers attain homeownership, REI Down Payment Assistance offers REI CHOICE100 and REI Gift100, two options that allow you to offer closing cost and down payment to your borrower.\r\n<ul>\r\n<ul>\r\n<ul>\r\n	<li><strong><a title=\"Choice100 Program\" href=\"http://reidownpayment.org/lenders/choice100-program/\">REI CHOICE100 </a></strong><a title=\"Choice100 Program\" href=\"http://reidownpayment.org/lenders/choice100-program/\">(click for more info)</a></li>\r\n</ul>\r\n</ul>\r\n</ul>\r\n<strong>Down Payment and Closing Cost Assistance - Fannie Mae My Community Mortgage Loans</strong>\r\n\r\nThe REI Choice100 program is just that, it provides you with numerous choices and types of assistance for your borrowers. The program is utilized with Fannie Mae\'s 95% My Community Mortgage loan. We have structured the program to provide the borrower with a second mortgage of 5% along with the choice to pay a higher interest rate and receive 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.\r\n\r\nThis program can also be used for a rate/term refinance of existing loans. Any loan that is refinanced must prove a demonstrable benefit to the borrower (i.e. lower payments, term, or interest rates). Cash out refinances are not eligible.\r\n<ul>\r\n<ul>\r\n<ul>\r\n<ul>\r\n<ul>\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/lenders/gift100/\"><strong>REI Gift100 </strong>(click for more info)</a></li>\r\n</ul>\r\n</ul>\r\n</ul>\r\n</ul>\r\n</ul>\r\n</ul>\r\n<strong>Down Payment and Closing Cost Assistance</strong>\r\n\r\nREI Down Payment Assistance invests in Oklahoma’s future by providing housing opportunities to low income individuals and families. The new statewide REI Gift100 Program provides a competitive first mortgage and down payment and closing cost assistance to eligible mortgagors. The down payment is in the form of a gift, second liens or deed restrictions are not required for this program. The program includes the following loan types:\r\n<ul>\r\n<ul>\r\n<ul>\r\n<ul>\r\n<ul>\r\n<ul>\r\n<ul>\r\n<ul>\r\n<ul>\r\n<ul>\r\n	<li>FHA – 203(b), 234(c) &amp; 203ks (lenders must have an additional approval from U.S. Bank to originate 203ks loans) – 30 year fixed rate</li>\r\n	<li>VA – 203(b) &amp; 234(c) – 30 year fixed rate</li>\r\n	<li>Rural Housing Guaranteed Loan – 30 year fixed rate</li>\r\n	<li>HUD Section 184 – 30 year fixed rate</li>\r\n</ul>\r\n</ul>\r\n</ul>\r\n</ul>\r\n</ul>\r\n</ul>\r\n</ul>\r\n</ul>\r\n</ul>\r\n</ul>\r\nRate/term refinance on any of the above loan products.<strong>\r\n</strong>', 'Lenders', '', 'inherit', 'open', 'open', '', '7-revision-v1', '', '', '2014-04-07 14:14:10', '2014-04-07 14:14:10', '', 7, 'http://reidownpayment.org/7-revision-v1/', 0, 'revision', '', 0),
(452, 2, '2014-04-07 14:14:39', '2014-04-07 14:14:39', 'Saving for the down payment and/or closing costs can be one of the biggest hurdles many people face when purchasing a home. To help home buyers attain homeownership, REI Down Payment Assistance offers REI CHOICE100 and REI Gift100, two options that allow you to offer closing cost and down payment to your borrower.\r\n\r\n<strong><a title=\"Choice100 Program\" href=\"http://reidownpayment.org/lenders/choice100-program/\">REI CHOICE100 </a></strong><a title=\"Choice100 Program\" href=\"http://reidownpayment.org/lenders/choice100-program/\">(click for more info)</a>\r\n\r\n<strong>Down Payment and Closing Cost Assistance - Fannie Mae My Community Mortgage Loans</strong>\r\n\r\nThe REI Choice100 program is just that, it provides you with numerous choices and types of assistance for your borrowers. The program is utilized with Fannie Mae\'s 95% My Community Mortgage loan. We have structured the program to provide the borrower with a second mortgage of 5% along with the choice to pay a higher interest rate and receive 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.\r\n\r\nThis program can also be used for a rate/term refinance of existing loans. Any loan that is refinanced must prove a demonstrable benefit to the borrower (i.e. lower payments, term, or interest rates). Cash out refinances are not eligible.\r\n\r\n<a href=\"http://reidownpayment.org/lenders/gift100/\"><strong>REI Gift100 </strong>(click for more info)</a>\r\n\r\n<strong>Down Payment and Closing Cost Assistance</strong>\r\n\r\nREI Down Payment Assistance invests in Oklahoma’s future by providing housing opportunities to low income individuals and families. The new statewide REI Gift100 Program provides a competitive first mortgage and down payment and closing cost assistance to eligible mortgagors. The down payment is in the form of a gift, second liens or deed restrictions are not required for this program. The program includes the following loan types:\r\n<ul>\r\n<ul>\r\n<ul>\r\n<ul>\r\n<ul>\r\n<ul>\r\n<ul>\r\n<ul>\r\n<ul>\r\n<ul>\r\n	<li>FHA – 203(b), 234(c) &amp; 203ks (lenders must have an additional approval from U.S. Bank to originate 203ks loans) – 30 year fixed rate</li>\r\n	<li>VA – 203(b) &amp; 234(c) – 30 year fixed rate</li>\r\n	<li>Rural Housing Guaranteed Loan – 30 year fixed rate</li>\r\n	<li>HUD Section 184 – 30 year fixed rate</li>\r\n</ul>\r\n</ul>\r\n</ul>\r\n</ul>\r\n</ul>\r\n</ul>\r\n</ul>\r\n</ul>\r\n</ul>\r\n</ul>\r\nRate/term refinance on any of the above loan products.<strong>\r\n</strong>', 'Lenders', '', 'inherit', 'open', 'open', '', '7-revision-v1', '', '', '2014-04-07 14:14:39', '2014-04-07 14:14:39', '', 7, 'http://reidownpayment.org/7-revision-v1/', 0, 'revision', '', 0),
(453, 2, '2014-04-07 14:16:16', '2014-04-07 14:16:16', 'Saving for the down payment and/or closing costs can be one of the biggest hurdles many people face when purchasing a home. To help home buyers attain homeownership, REI Down Payment Assistance offers REI CHOICE100 and REI Gift100, two options that allow you to offer closing cost and down payment to your borrower.\r\n<ul>\r\n<ul>\r\n	<li><strong><a title=\"Choice100 Program\" href=\"http://reidownpayment.org/lenders/choice100-program/\">REI CHOICE100 </a></strong><a title=\"Choice100 Program\" href=\"http://reidownpayment.org/lenders/choice100-program/\">(click for more info)</a></li>\r\n</ul>\r\n</ul>\r\n<strong>Down Payment and Closing Cost Assistance - Fannie Mae My Community Mortgage Loans</strong>\r\n\r\nThe REI Choice100 program is just that, it provides you with numerous choices and types of assistance for your borrowers. The program is utilized with Fannie Mae\'s 95% My Community Mortgage loan. We have structured the program to provide the borrower with a second mortgage of 5% along with the choice to pay a higher interest rate and receive 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.\r\n\r\nThis program can also be used for a rate/term refinance of existing loans. Any loan that is refinanced must prove a demonstrable benefit to the borrower (i.e. lower payments, term, or interest rates). Cash out refinances are not eligible.\r\n<ul>\r\n<ul>\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/lenders/gift100/\"><strong>REI Gift100 </strong>(click for more info)</a></li>\r\n</ul>\r\n</ul>\r\n</ul>\r\n<strong>Down Payment and Closing Cost Assistance</strong>\r\n\r\nREI Down Payment Assistance invests in Oklahoma’s future by providing housing opportunities to low income individuals and families. The new statewide REI Gift100 Program provides a competitive first mortgage and down payment and closing cost assistance to eligible mortgagors. The down payment is in the form of a gift, second liens or deed restrictions are not required for this program. The program includes the following loan types:\r\n<ul>\r\n<ul>\r\n<ul>\r\n<ul>\r\n<ul>\r\n<ul>\r\n<ul>\r\n<ul>\r\n<ul>\r\n<ul>\r\n<ul>\r\n<ul>\r\n<ul>\r\n	<li>FHA – 203(b), 234(c) &amp; 203ks (lenders must have an additional approval from U.S. Bank to originate 203ks loans) – 30 year fixed rate</li>\r\n	<li>VA – 203(b) &amp; 234(c) – 30 year fixed rate</li>\r\n	<li>Rural Housing Guaranteed Loan – 30 year fixed rate</li>\r\n	<li>HUD Section 184 – 30 year fixed rate</li>\r\n</ul>\r\n</ul>\r\n</ul>\r\n</ul>\r\n</ul>\r\n</ul>\r\n</ul>\r\n</ul>\r\n</ul>\r\n</ul>\r\n</ul>\r\n</ul>\r\n</ul>\r\nRate/term refinance on any of the above loan products.<strong>\r\n</strong>', 'Lenders', '', 'inherit', 'open', 'open', '', '7-revision-v1', '', '', '2014-04-07 14:16:16', '2014-04-07 14:16:16', '', 7, 'http://reidownpayment.org/7-revision-v1/', 0, 'revision', '', 0),
(454, 2, '2014-04-07 14:16:52', '2014-04-07 14:16:52', 'Saving for the down payment and/or closing costs can be one of the biggest hurdles many people face when purchasing a home. To help home buyers attain homeownership, REI Down Payment Assistance offers REI CHOICE100 and REI Gift100, two options that allow you to offer closing cost and down payment to your borrower.\r\n<ul>\r\n	<li><strong><a title=\"Choice100 Program\" href=\"http://reidownpayment.org/lenders/choice100-program/\">REI CHOICE100 </a></strong><a title=\"Choice100 Program\" href=\"http://reidownpayment.org/lenders/choice100-program/\">(click for more info)</a></li>\r\n</ul><strong>Down Payment and Closing Cost Assistance - Fannie Mae My Community Mortgage Loans</strong>\r\n\r\nThe REI Choice100 program is just that, it provides you with numerous choices and types of assistance for your borrowers. The program is utilized with Fannie Mae\'s 95% My Community Mortgage loan. We have structured the program to provide the borrower with a second mortgage of 5% along with the choice to pay a higher interest rate and receive 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.\r\n\r\nThis program can also be used for a rate/term refinance of existing loans. Any loan that is refinanced must prove a demonstrable benefit to the borrower (i.e. lower payments, term, or interest rates). Cash out refinances are not eligible.\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/lenders/gift100/\"><strong>REI Gift100 </strong>(click for more info)</a></li></ul>\r\n<strong>Down Payment and Closing Cost Assistance</strong>\r\n\r\nREI Down Payment Assistance invests in Oklahoma’s future by providing housing opportunities to low income individuals and families. The new statewide REI Gift100 Program provides a competitive first mortgage and down payment and closing cost assistance to eligible mortgagors. The down payment is in the form of a gift, second liens or deed restrictions are not required for this program. The program includes the following loan types:\r\n<ul>\r\n<ul>\r\n<ul>\r\n<ul>\r\n<ul>\r\n<ul>\r\n<ul>\r\n<ul>\r\n<ul>\r\n<ul>\r\n<ul>\r\n<ul>\r\n<ul>\r\n	<li>FHA – 203(b), 234(c) &amp; 203ks (lenders must have an additional approval from U.S. Bank to originate 203ks loans) – 30 year fixed rate</li>\r\n	<li>VA – 203(b) &amp; 234(c) – 30 year fixed rate</li>\r\n	<li>Rural Housing Guaranteed Loan – 30 year fixed rate</li>\r\n	<li>HUD Section 184 – 30 year fixed rate</li>\r\n</ul>\r\n</ul>\r\n</ul>\r\n</ul>\r\n</ul>\r\n</ul>\r\n</ul>\r\n</ul>\r\n</ul>\r\n</ul>\r\n</ul>\r\n</ul>\r\n</ul>\r\nRate/term refinance on any of the above loan products.<strong>\r\n</strong>', 'Lenders', '', 'inherit', 'open', 'open', '', '7-revision-v1', '', '', '2014-04-07 14:16:52', '2014-04-07 14:16:52', '', 7, 'http://reidownpayment.org/7-revision-v1/', 0, 'revision', '', 0),
(455, 2, '2014-04-07 14:17:10', '2014-04-07 14:17:10', 'Saving for the down payment and/or closing costs can be one of the biggest hurdles many people face when purchasing a home. To help home buyers attain homeownership, REI Down Payment Assistance offers REI CHOICE100 and REI Gift100, two options that allow you to offer closing cost and down payment to your borrower.\r\n<ul>\r\n	<li><strong><a title=\"Choice100 Program\" href=\"http://reidownpayment.org/lenders/choice100-program/\">REI CHOICE100 </a></strong><a title=\"Choice100 Program\" href=\"http://reidownpayment.org/lenders/choice100-program/\">(click for more info)</a></li>\r\n<strong>Down Payment and Closing Cost Assistance - Fannie Mae My Community Mortgage Loans</strong>\r\n\r\nThe REI Choice100 program is just that, it provides you with numerous choices and types of assistance for your borrowers. The program is utilized with Fannie Mae\'s 95% My Community Mortgage loan. We have structured the program to provide the borrower with a second mortgage of 5% along with the choice to pay a higher interest rate and receive 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.\r\n\r\nThis program can also be used for a rate/term refinance of existing loans. Any loan that is refinanced must prove a demonstrable benefit to the borrower (i.e. lower payments, term, or interest rates). Cash out refinances are not eligible.\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/lenders/gift100/\"><strong>REI Gift100 </strong>(click for more info)</a></li></ul>\r\n<strong>Down Payment and Closing Cost Assistance</strong>\r\n\r\nREI Down Payment Assistance invests in Oklahoma’s future by providing housing opportunities to low income individuals and families. The new statewide REI Gift100 Program provides a competitive first mortgage and down payment and closing cost assistance to eligible mortgagors. The down payment is in the form of a gift, second liens or deed restrictions are not required for this program. The program includes the following loan types:\r\n<ul>\r\n<ul>\r\n<ul>\r\n<ul>\r\n<ul>\r\n<ul>\r\n<ul>\r\n<ul>\r\n<ul>\r\n<ul>\r\n<ul>\r\n<ul>\r\n<ul>\r\n	<li>FHA – 203(b), 234(c) &amp; 203ks (lenders must have an additional approval from U.S. Bank to originate 203ks loans) – 30 year fixed rate</li>\r\n	<li>VA – 203(b) &amp; 234(c) – 30 year fixed rate</li>\r\n	<li>Rural Housing Guaranteed Loan – 30 year fixed rate</li>\r\n	<li>HUD Section 184 – 30 year fixed rate</li>\r\n</ul>\r\n</ul>\r\n</ul>\r\n</ul>\r\n</ul>\r\n</ul>\r\n</ul>\r\n</ul>\r\n</ul>\r\n</ul>\r\n</ul>\r\n</ul>\r\n</ul>\r\nRate/term refinance on any of the above loan products.<strong>\r\n</strong>', 'Lenders', '', 'inherit', 'open', 'open', '', '7-revision-v1', '', '', '2014-04-07 14:17:10', '2014-04-07 14:17:10', '', 7, 'http://reidownpayment.org/7-revision-v1/', 0, 'revision', '', 0),
(456, 2, '2014-04-07 14:17:34', '2014-04-07 14:17:34', 'Saving for the down payment and/or closing costs can be one of the biggest hurdles many people face when purchasing a home. To help home buyers attain homeownership, REI Down Payment Assistance offers REI CHOICE100 and REI Gift100, two options that allow you to offer closing cost and down payment to your borrower.\r\n<ul>\r\n	<li><strong><a title=\"Choice100 Program\" href=\"http://reidownpayment.org/lenders/choice100-program/\">REI CHOICE100 </a></strong><a title=\"Choice100 Program\" href=\"http://reidownpayment.org/lenders/choice100-program/\">(click for more info)</a></li>\r\n<strong>Down Payment and Closing Cost Assistance - Fannie Mae My Community Mortgage Loans</strong>\r\n\r\nThe REI Choice100 program is just that, it provides you with numerous choices and types of assistance for your borrowers. The program is utilized with Fannie Mae\'s 95% My Community Mortgage loan. We have structured the program to provide the borrower with a second mortgage of 5% along with the choice to pay a higher interest rate and receive 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.\r\n\r\nThis program can also be used for a rate/term refinance of existing loans. Any loan that is refinanced must prove a demonstrable benefit to the borrower (i.e. lower payments, term, or interest rates). Cash out refinances are not eligible.\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/lenders/gift100/\"><strong>REI Gift100 </strong>(click for more info)</a></li>\r\n<strong>Down Payment and Closing Cost Assistance</strong>\r\n\r\nREI Down Payment Assistance invests in Oklahoma’s future by providing housing opportunities to low income individuals and families. The new statewide REI Gift100 Program provides a competitive first mortgage and down payment and closing cost assistance to eligible mortgagors. The down payment is in the form of a gift, second liens or deed restrictions are not required for this program. The program includes the following loan types:\r\n<ul>\r\n<ul>\r\n<ul>\r\n<ul>\r\n<ul>\r\n<ul>\r\n<ul>\r\n<ul>\r\n<ul>\r\n<ul>\r\n<ul>\r\n<ul>\r\n<ul>\r\n	<li>FHA – 203(b), 234(c) &amp; 203ks (lenders must have an additional approval from U.S. Bank to originate 203ks loans) – 30 year fixed rate</li>\r\n	<li>VA – 203(b) &amp; 234(c) – 30 year fixed rate</li>\r\n	<li>Rural Housing Guaranteed Loan – 30 year fixed rate</li>\r\n	<li>HUD Section 184 – 30 year fixed rate</li>\r\n</ul>\r\n</ul>\r\n</ul>\r\n</ul>\r\n</ul>\r\n</ul>\r\n</ul>\r\n</ul>\r\n</ul>\r\n</ul>\r\n</ul>\r\n</ul>\r\n</ul>\r\nRate/term refinance on any of the above loan products.<strong>\r\n</strong>', 'Lenders', '', 'inherit', 'open', 'open', '', '7-revision-v1', '', '', '2014-04-07 14:17:34', '2014-04-07 14:17:34', '', 7, 'http://reidownpayment.org/7-revision-v1/', 0, 'revision', '', 0),
(457, 2, '2014-04-07 14:18:11', '2014-04-07 14:18:11', 'Saving for the down payment and/or closing costs can be one of the biggest hurdles many people face when purchasing a home. To help home buyers attain homeownership, REI Down Payment Assistance offers REI CHOICE100 and REI Gift100, two options that allow you to offer closing cost and down payment to your borrower.\r\n<ul>\r\n<ul>\r\n	<li><strong><a title=\"Choice100 Program\" href=\"http://reidownpayment.org/lenders/choice100-program/\">REI CHOICE100 </a></strong><a title=\"Choice100 Program\" href=\"http://reidownpayment.org/lenders/choice100-program/\">(click for more info)</a></li>\r\n</ul>\r\n</ul>\r\n<strong>Down Payment and Closing Cost Assistance - Fannie Mae My Community Mortgage Loans</strong>\r\n\r\nThe REI Choice100 program is just that, it provides you with numerous choices and types of assistance for your borrowers. The program is utilized with Fannie Mae\'s 95% My Community Mortgage loan. We have structured the program to provide the borrower with a second mortgage of 5% along with the choice to pay a higher interest rate and receive 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.\r\n\r\nThis program can also be used for a rate/term refinance of existing loans. Any loan that is refinanced must prove a demonstrable benefit to the borrower (i.e. lower payments, term, or interest rates). Cash out refinances are not eligible.\r\n<ul>\r\n<ul>\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/lenders/gift100/\"><strong>REI Gift100 </strong>(click for more info)</a></li>\r\n</ul>\r\n</ul>\r\n</ul>\r\n<strong>Down Payment and Closing Cost Assistance</strong>\r\n\r\nREI Down Payment Assistance invests in Oklahoma’s future by providing housing opportunities to low income individuals and families. The new statewide REI Gift100 Program provides a competitive first mortgage and down payment and closing cost assistance to eligible mortgagors. The down payment is in the form of a gift, second liens or deed restrictions are not required for this program. The program includes the following loan types:\r\n<ul>\r\n<ul>\r\n<ul>\r\n<ul>\r\n<ul>\r\n<ul>\r\n<ul>\r\n<ul>\r\n<ul>\r\n<ul>\r\n<ul>\r\n<ul>\r\n<ul>\r\n<ul>\r\n<ul>\r\n<ul>\r\n	<li>FHA – 203(b), 234(c) &amp; 203ks (lenders must have an additional approval from U.S. Bank to originate 203ks loans) – 30 year fixed rate</li>\r\n	<li>VA – 203(b) &amp; 234(c) – 30 year fixed rate</li>\r\n	<li>Rural Housing Guaranteed Loan – 30 year fixed rate</li>\r\n	<li>HUD Section 184 – 30 year fixed rate</li>\r\n</ul>\r\n</ul>\r\n</ul>\r\n</ul>\r\n</ul>\r\n</ul>\r\n</ul>\r\n</ul>\r\n</ul>\r\n</ul>\r\n</ul>\r\n</ul>\r\n</ul>\r\n</ul>\r\n</ul>\r\n</ul>\r\nRate/term refinance on any of the above loan products.<strong>\r\n</strong>', 'Lenders', '', 'inherit', 'open', 'open', '', '7-revision-v1', '', '', '2014-04-07 14:18:11', '2014-04-07 14:18:11', '', 7, 'http://reidownpayment.org/7-revision-v1/', 0, 'revision', '', 0),
(458, 2, '2014-04-07 14:19:24', '2014-04-07 14:19:24', 'Saving for the down payment and/or closing costs can be one of the biggest hurdles many people face when purchasing a home. To help home buyers attain homeownership, REI Down Payment Assistance offers REI CHOICE100 and REI Gift100, two options that allow you to offer closing cost and down payment to your borrower.\r\n<ul>\r\n<ul>\r\n	<li><strong><a title=\"Choice100 Program\" href=\"http://reidownpayment.org/lenders/choice100-program/\">REI CHOICE100 </a></strong><a title=\"Choice100 Program\" href=\"http://reidownpayment.org/lenders/choice100-program/\">(click for more info)</a></li>\r\n<strong>Down Payment and Closing Cost Assistance - Fannie Mae My Community Mortgage Loans</strong>\r\n\r\nThe REI Choice100 program is just that, it provides you with numerous choices and types of assistance for your borrowers. The program is utilized with Fannie Mae\'s 95% My Community Mortgage loan. We have structured the program to provide the borrower with a second mortgage of 5% along with the choice to pay a higher interest rate and receive 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.\r\n\r\nThis program can also be used for a rate/term refinance of existing loans. Any loan that is refinanced must prove a demonstrable benefit to the borrower (i.e. lower payments, term, or interest rates). Cash out refinances are not eligible.\r\n<ul>\r\n<ul>\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/lenders/gift100/\"><strong>REI Gift100 </strong>(click for more info)</a></li>\r\n<strong>Down Payment and Closing Cost Assistance</strong>\r\n\r\nREI Down Payment Assistance invests in Oklahoma’s future by providing housing opportunities to low income individuals and families. The new statewide REI Gift100 Program provides a competitive first mortgage and down payment and closing cost assistance to eligible mortgagors. The down payment is in the form of a gift, second liens or deed restrictions are not required for this program. The program includes the following loan types:\r\n<ul>\r\n<ul>\r\n<ul>\r\n<ul>\r\n<ul>\r\n<ul>\r\n<ul>\r\n<ul>\r\n<ul>\r\n<ul>\r\n<ul>\r\n<ul>\r\n<ul>\r\n<ul>\r\n<ul>\r\n<ul>\r\n	<li>FHA – 203(b), 234(c) &amp; 203ks (lenders must have an additional approval from U.S. Bank to originate 203ks loans) – 30 year fixed rate</li>\r\n	<li>VA – 203(b) &amp; 234(c) – 30 year fixed rate</li>\r\n	<li>Rural Housing Guaranteed Loan – 30 year fixed rate</li>\r\n	<li>HUD Section 184 – 30 year fixed rate</li>\r\n</ul>\r\n</ul>\r\n</ul>\r\n</ul>\r\n</ul>\r\n</ul>\r\n</ul>\r\n</ul>\r\n</ul>\r\n</ul>\r\n</ul>\r\n</ul>\r\n</ul>\r\n</ul>\r\n</ul>\r\n</ul>\r\nRate/term refinance on any of the above loan products.<strong>\r\n</strong>', 'Lenders', '', 'inherit', 'open', 'open', '', '7-revision-v1', '', '', '2014-04-07 14:19:24', '2014-04-07 14:19:24', '', 7, 'http://reidownpayment.org/7-revision-v1/', 0, 'revision', '', 0),
(459, 2, '2014-04-07 14:22:01', '2014-04-07 14:22:01', 'Saving for the down payment and/or closing costs can be one of the biggest hurdles many people face when purchasing a home. To help home buyers attain homeownership, REI Down Payment Assistance offers REI CHOICE100 and REI Gift100, two options that allow you to offer closing cost and down payment to your borrower.\r\n<ul>\r\n<ul>\r\n<ul>\r\n	<li><strong><a title=\"Choice100 Program\" href=\"http://reidownpayment.org/lenders/choice100-program/\">REI CHOICE100 </a></strong><a title=\"Choice100 Program\" href=\"http://reidownpayment.org/lenders/choice100-program/\">(click for more info)</a></li>\r\n</ul>\r\n</ul>\r\n</ul>\r\n<strong>Down Payment and Closing Cost Assistance - Fannie Mae My Community Mortgage Loans</strong>\r\n\r\nThe REI Choice100 program is just that, it provides you with numerous choices and types of assistance for your borrowers. The program is utilized with Fannie Mae\'s 95% My Community Mortgage loan. We have structured the program to provide the borrower with a second mortgage of 5% along with the choice to pay a higher interest rate and receive 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.\r\n\r\nThis program can also be used for a rate/term refinance of existing loans. Any loan that is refinanced must prove a demonstrable benefit to the borrower (i.e. lower payments, term, or interest rates). Cash out refinances are not eligible.\r\n<ul>\r\n<ul>\r\n<ul>\r\n<ul>\r\n<ul>\r\n<ul>\r\n	<li><strong>REI Gift100 </strong><a href=\"http://reidownpayment.org/lenders/gift100-2/\">(click for more info)</a></li>\r\n</ul>\r\n</ul>\r\n</ul>\r\n</ul>\r\n</ul>\r\n</ul>\r\n<strong>Down Payment and Closing Cost Assistance</strong>\r\n\r\nREI Down Payment Assistance invests in Oklahoma’s future by providing housing opportunities to low income individuals and families. The new statewide REI Gift100 Program provides a competitive first mortgage and down payment and closing cost assistance to eligible mortgagors. The down payment is in the form of a gift, second liens or deed restrictions are not required for this program. The program includes the following loan types:\r\n<ul>\r\n<ul>\r\n<ul>\r\n<ul>\r\n<ul>\r\n<ul>\r\n<ul>\r\n<ul>\r\n<ul>\r\n<ul>\r\n<ul>\r\n<ul>\r\n<ul>\r\n<ul>\r\n<ul>\r\n<ul>\r\n<ul>\r\n<ul>\r\n<ul>\r\n<ul>\r\n<ul>\r\n<ul>\r\n	<li>FHA – 203(b), 234(c) &amp; 203ks (lenders must have an additional approval from U.S. Bank to originate 203ks loans) – 30 year fixed rate</li>\r\n	<li>VA – 203(b) &amp; 234(c) – 30 year fixed rate</li>\r\n	<li>Rural Housing Guaranteed Loan – 30 year fixed rate</li>\r\n	<li>HUD Section 184 – 30 year fixed rate</li>\r\n</ul>\r\n</ul>\r\n</ul>\r\n</ul>\r\n</ul>\r\n</ul>\r\n</ul>\r\n</ul>\r\n</ul>\r\n</ul>\r\n</ul>\r\n</ul>\r\n</ul>\r\n</ul>\r\n</ul>\r\n</ul>\r\n</ul>\r\n</ul>\r\n</ul>\r\n</ul>\r\n</ul>\r\n</ul>\r\nRate/term refinance on any of the above loan products.<strong>\r\n</strong>', 'Lenders', '', 'inherit', 'open', 'open', '', '7-revision-v1', '', '', '2014-04-07 14:22:01', '2014-04-07 14:22:01', '', 7, 'http://reidownpayment.org/7-revision-v1/', 0, 'revision', '', 0),
(460, 2, '2014-04-07 14:22:32', '2014-04-07 14:22:32', 'Saving for the down payment and/or closing costs can be one of the biggest hurdles many people face when purchasing a home. To help home buyers attain homeownership, REI Down Payment Assistance offers REI CHOICE100 and REI Gift100, two options that allow you to offer closing cost and down payment to your borrower.\r\n\r\n<strong><a title=\"Choice100 Program\" href=\"http://reidownpayment.org/lenders/choice100-program/\">REI CHOICE100 </a></strong><a title=\"Choice100 Program\" href=\"http://reidownpayment.org/lenders/choice100-program/\">(click for more info)</a>\r\n<strong>Down Payment and Closing Cost Assistance - Fannie Mae My Community Mortgage Loans</strong>\r\n\r\nThe REI Choice100 program is just that, it provides you with numerous choices and types of assistance for your borrowers. The program is utilized with Fannie Mae\'s 95% My Community Mortgage loan. We have structured the program to provide the borrower with a second mortgage of 5% along with the choice to pay a higher interest rate and receive 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.\r\n\r\nThis program can also be used for a rate/term refinance of existing loans. Any loan that is refinanced must prove a demonstrable benefit to the borrower (i.e. lower payments, term, or interest rates). Cash out refinances are not eligible.\r\n\r\n<strong>REI Gift100 </strong><a href=\"http://reidownpayment.org/lenders/gift100-2/\">(click for more info)</a>\r\n<strong>Down Payment and Closing Cost Assistance</strong>\r\n\r\nREI Down Payment Assistance invests in Oklahoma’s future by providing housing opportunities to low income individuals and families. The new statewide REI Gift100 Program provides a competitive first mortgage and down payment and closing cost assistance to eligible mortgagors. The down payment is in the form of a gift, second liens or deed restrictions are not required for this program. The program includes the following loan types:\r\n<ul>\r\n<ul>\r\n<ul>\r\n<ul>\r\n<ul>\r\n<ul>\r\n<ul>\r\n<ul>\r\n<ul>\r\n<ul>\r\n<ul>\r\n<ul>\r\n<ul>\r\n<ul>\r\n<ul>\r\n<ul>\r\n<ul>\r\n<ul>\r\n<ul>\r\n<ul>\r\n<ul>\r\n<ul>\r\n	<li>FHA – 203(b), 234(c) &amp; 203ks (lenders must have an additional approval from U.S. Bank to originate 203ks loans) – 30 year fixed rate</li>\r\n	<li>VA – 203(b) &amp; 234(c) – 30 year fixed rate</li>\r\n	<li>Rural Housing Guaranteed Loan – 30 year fixed rate</li>\r\n	<li>HUD Section 184 – 30 year fixed rate</li>\r\n</ul>\r\n</ul>\r\n</ul>\r\n</ul>\r\n</ul>\r\n</ul>\r\n</ul>\r\n</ul>\r\n</ul>\r\n</ul>\r\n</ul>\r\n</ul>\r\n</ul>\r\n</ul>\r\n</ul>\r\n</ul>\r\n</ul>\r\n</ul>\r\n</ul>\r\n</ul>\r\n</ul>\r\n</ul>\r\nRate/term refinance on any of the above loan products.<strong>\r\n</strong>', 'Lenders', '', 'inherit', 'open', 'open', '', '7-revision-v1', '', '', '2014-04-07 14:22:32', '2014-04-07 14:22:32', '', 7, 'http://reidownpayment.org/7-revision-v1/', 0, 'revision', '', 0),
(461, 2, '2014-04-07 18:22:53', '2014-04-07 18:22:53', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nThe rates are based on a 45 day lock reservation to lender.    Loans must be delivered and purchased by U.S. Bank prior to rate lock expiration.  One time extension can be purchased at the following rates:\r\n\r\n•             15 days is 0.1875%\r\n•             30 days is 0.375%\r\n\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n&nbsp;', 'Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2014-04-07 18:22:53', '2014-04-07 18:22:53', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(462, 2, '2014-04-09 14:57:34', '2014-04-09 14:57:34', '', 'REI Gift100 Guidelines', '', 'inherit', 'open', 'open', '', 'rei-gift100-guidelines', '', '', '2014-04-09 14:57:34', '2014-04-09 14:57:34', '', 0, 'http://reidownpayment.org/wp/wp-content/uploads/2014/04/REI-Gift100-Guidelines.pdf', 0, 'attachment', 'application/pdf', 0),
(463, 2, '2014-04-09 14:58:02', '2014-04-09 14:58:02', '<b>REI GIFT100 PROGRAM</b>\r\n\r\nREI Down Payment Assistance invests in Oklahoma’s future by providing housing opportunities to low income individuals and families.  The new statewide REI Gift100 Program provides a competitive first mortgage and down payment and closing cost assistance to eligible mortgagors. The down payment is in the form of a gift, second liens or deed restrictions are not required for this program. The program includes the following loan types:\r\n<ul>\r\n	<li>FHA – 203(b), 234(c) &amp; 203ks (lenders must have an additional approval from U.S. Bank to originate 203ks loans) – 30 year fixed rate</li>\r\n	<li>VA – 203(b) &amp; 234(c) – 30 year fixed rate</li>\r\n	<li>Rural Housing Guaranteed Loan – 30 year fixed rate</li>\r\n	<li>HUD Section 184 – 30 year fixed rate</li>\r\n</ul>\r\nRate/term refinance on any of the above loan products.<strong>\r\n</strong>\r\n\r\n<strong>Lenders:</strong> Lenders must be approved by U.S. Bank to participate in the REI Gift100 program.  Interested lenders should contact U.S. Bank Help desk at 1-800-562-5165 or <a href=\"mailto:mrbp.helpdesk@usbank.com\" target=\"_blank\">mrbp.helpdesk@usbank.com</a>.  You can also contact Dena Sherrill, Housing Program Manager, REI Down Payment Assistance at 1-800-658-2823 or <a href=\"mailto:dsherrill@reiok.org\" target=\"_blank\">dsherrill@reiok.org</a> or Jeremy Layman, Housing Program Specialist at <a href=\"mailto:jlayman@reiok.org\" target=\"_blank\">jlayman@reiok.org</a>.\r\n<p align=\"center\"><b>***Third Party Origination is not allowed***</b></p>\r\n <strong>Program Highlights</strong>\r\n\r\n<strong>Structure:</strong> Up to 4.5% of the total loan amount in the form of a gift. The funds may be used to fund up to 100% of the Borrower\'s cash requirement to close, including the down payment, closing costs, pre-paid items and other related Mortgage Loan fees and expenses.  No portion of the gift funds can be paid to the Borrower unless the Borrower is being reimbursed for an overage of his/her earnest money deposit to the extent the minimum Borrower contribution has been satisfied.  Under the rate/term refinance option, any funds above the amount needed to pay the Borrower\'s loan related costs must be used to reduce the principal amount of the First Mortgage loan.\r\n\r\n<b>First Mortgage Origination Fee:  </b>Up to 1%.\r\n\r\n<strong>Interest rates:</strong> REI Down Payment Assistance will post First Mortgage interest rates by 9:00 a.m. C.S.T. daily on the Lender Portal at <a href=\"http://www.reigift100.org/\">www.reigift100.org</a>.  The rates are based on a 45 day lock reservation to lender.    Loans must be delivered and purchased by U.S. Bank prior to rate lock expiration.  One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>15 days is 0.1875%</li>\r\n	<li>30 days is 0.375%</li>\r\n</ul>\r\n<p align=\"center\"><b>***Rates can be subject to intra-day pricing changes***</b></p>\r\n<strong>Income Limits:</strong> FHA, VA, &amp; HUD 184 - The Borrower\'s qualifying income must not exceed Program Income Limits.  Click on Area Median Income below to view income limits.  They can also be found in the Lender Portal at <a href=\"http://www.reigift100.org/\" target=\"_blank\">www.reigift100.org</a>.\r\n\r\nRural Development Loans - Income is based on Adjusted Household Income per Rural Development\'s Guidelines.  Income limits can be found by <a href=\"http://www.rurdev.usda.gov/SupportDocuments/OK%20GRH.pdf\" target=\"_blank\">clicking here</a>.\r\n\r\n<b>***Lenders will be responsible for ensuring that the income meets program guidelines.***</b>\r\n\r\n<strong>Credit Score:</strong> Minimum credit score of 640.\r\n\r\n<strong>Maximum DTI:</strong> 45%\r\n\r\n<strong>First Time Home Buyer:</strong> No first-time home buyer requirement.\r\n\r\n<strong>Home Buyer Education:</strong> Recommended but not required.\r\n\r\n<strong>Lender Compensation, Fees, and Purchase:</strong> Please review the Program Summary and Program Guidelines below for compensation, loan fees, and purchase requirements.  These documents can also be found on the Lender Portal at <a href=\"http://www.reigift100.org/\" target=\"_blank\">www.reigift100.org</a>.\r\n<ul>\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/04/2014-Area-Median-Incomes-Gift-100-Program.pdf\" target=\"_blank\">2014 Area Median Income - Gift100 Program</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/04/REI-Gift100-Program-Summary.pdf\" target=\"_blank\">REI Gift100 Program Summary</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/04/REI-Gift100-Guidelines.pdf\" target=\"_blank\">REI Gift100 Guidelines</a></li>\r\n</ul>\r\n</ul>', 'Gift100', '', 'inherit', 'open', 'open', '', '431-revision-v1', '', '', '2014-04-09 14:58:02', '2014-04-09 14:58:02', '', 431, 'http://reidownpayment.org/431-revision-v1/', 0, 'revision', '', 0);
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(464, 2, '2014-04-09 14:59:34', '2014-04-09 14:59:34', '<b>REI GIFT100 PROGRAM</b>\r\n\r\nREI Down Payment Assistance invests in Oklahoma’s future by providing housing opportunities to low income individuals and families.  The new statewide REI Gift100 Program provides a competitive first mortgage and down payment and closing cost assistance to eligible mortgagors. The down payment is in the form of a gift, second liens or deed restrictions are not required for this program. The program includes the following loan types:\r\n<ul>\r\n	<li>FHA – 203(b), 234(c) &amp; 203ks (lenders must have an additional approval from U.S. Bank to originate 203ks loans) – 30 year fixed rate</li>\r\n	<li>VA – 203(b) &amp; 234(c) – 30 year fixed rate</li>\r\n	<li>Rural Housing Guaranteed Loan – 30 year fixed rate</li>\r\n	<li>HUD Section 184 – 30 year fixed rate</li>\r\n</ul>\r\nRate/term refinance on any of the above loan products.<strong>\r\n</strong>\r\n\r\n<strong>Lenders:</strong> Lenders must be approved by U.S. Bank to participate in the REI Gift100 program.  Interested lenders should contact U.S. Bank Help desk at 1-800-562-5165 or <a href=\"mailto:mrbp.helpdesk@usbank.com\" target=\"_blank\">mrbp.helpdesk@usbank.com</a>.  You can also contact Dena Sherrill, Housing Program Manager, REI Down Payment Assistance at 1-800-658-2823 or <a href=\"mailto:dsherrill@reiok.org\" target=\"_blank\">dsherrill@reiok.org</a> or Jeremy Layman, Housing Program Specialist at <a href=\"mailto:jlayman@reiok.org\" target=\"_blank\">jlayman@reiok.org</a>.\r\n<p align=\"center\"><b>***Third Party Origination is not allowed***</b></p>\r\n <strong>Program Highlights</strong>\r\n\r\n<strong>Structure:</strong> Up to 4.5% of the total loan amount in the form of a gift. The funds may be used to fund up to 100% of the Borrower\'s cash requirement to close, including the down payment, closing costs, pre-paid items and other related Mortgage Loan fees and expenses.  No portion of the gift funds can be paid to the Borrower unless the Borrower is being reimbursed for an overage of his/her earnest money deposit to the extent the minimum Borrower contribution has been satisfied.  Under the rate/term refinance option, any funds above the amount needed to pay the Borrower\'s loan related costs must be used to reduce the principal amount of the First Mortgage loan.\r\n\r\n<b>First Mortgage Origination Fee:  </b>Up to 1%.\r\n\r\n<strong>Interest rates:</strong> REI Down Payment Assistance will post First Mortgage interest rates by 9:00 a.m. C.S.T. daily on the Lender Portal at <a href=\"http://www.reigift100.org/\">www.reigift100.org</a>.  The rates are based on a 45 day lock reservation to lender.    Loans must be delivered and purchased by U.S. Bank prior to rate lock expiration.  One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>15 days is 0.1875%</li>\r\n	<li>30 days is 0.375%</li>\r\n</ul>\r\n<p align=\"center\"><b>***Rates can be subject to intra-day pricing changes***</b></p>\r\n<strong>Income Limits:</strong> FHA, VA, &amp; HUD 184 - The Borrower\'s qualifying income must not exceed Program Income Limits.  Click on Area Median Income below to view income limits.  They can also be found in the Lender Portal at <a href=\"http://www.reigift100.org/\" target=\"_blank\">www.reigift100.org</a>.\r\n\r\nRural Development Loans - Income is based on Adjusted Household Income per Rural Development\'s Guidelines.  Income limits can be found by <a href=\"http://www.rurdev.usda.gov/SupportDocuments/OK%20GRH.pdf\" target=\"_blank\">clicking here</a>.\r\n\r\n<b>***Lenders will be responsible for ensuring that the income meets program guidelines.***</b>\r\n\r\n<strong>Credit Score:</strong> Minimum credit score of 640.\r\n\r\n<strong>Maximum DTI:</strong> 45%\r\n\r\n<strong>First Time Home Buyer:</strong> No first-time home buyer requirement.\r\n\r\n<strong>Home Buyer Education:</strong> Recommended but not required.\r\n\r\n<strong>Lender Compensation, Fees, and Purchase:</strong> Please review the Program Summary and Program Guidelines below for compensation, loan fees, and purchase requirements.  These documents can also be found on the Lender Portal at <a href=\"http://www.reigift100.org/\" target=\"_blank\">www.reigift100.org</a>.\r\n<ul>\r\n<ul>\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/04/2014-Area-Median-Incomes-Gift-100-Program.pdf\" target=\"_blank\">2014 Area Median Income - Gift100 Program</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/04/REI-Gift100-Program-Summary.pdf\" target=\"_blank\">REI Gift100 Program Summary</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/04/REI-Gift100-Guidelines.pdf\" target=\"_blank\">REI Gift100 Guidelines</a></li>\r\n	<li><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a></li>\r\n</ul>\r\n</ul>\r\n</ul>', 'Gift100', '', 'inherit', 'open', 'open', '', '431-revision-v1', '', '', '2014-04-09 14:59:34', '2014-04-09 14:59:34', '', 431, 'http://reidownpayment.org/431-revision-v1/', 0, 'revision', '', 0),
(465, 2, '2014-04-09 15:01:05', '2014-04-09 15:01:05', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nThe rates are based on a 45 day lock reservation to lender.    Loans must be delivered and purchased by U.S. Bank prior to rate lock expiration.  One time extension can be purchased at the following rates:\r\n\r\n•             15 days is 0.1875%\r\n•             30 days is 0.375%\r\n\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\n&nbsp;', 'Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2014-04-09 15:01:05', '2014-04-09 15:01:05', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(466, 2, '2014-04-09 15:03:52', '2014-04-09 15:03:52', '<b>REI GIFT100 PROGRAM</b>\r\n\r\nREI Down Payment Assistance invests in Oklahoma’s future by providing housing opportunities to low income individuals and families.  The new statewide REI Gift100 Program provides a competitive first mortgage and down payment and closing cost assistance to eligible mortgagors. The down payment is in the form of a gift, second liens or deed restrictions are not required for this program. The program includes the following loan types:\r\n<ul>\r\n	<li>FHA – 203(b), 234(c) &amp; 203ks (lenders must have an additional approval from U.S. Bank to originate 203ks loans) – 30 year fixed rate</li>\r\n	<li>VA – 203(b) &amp; 234(c) – 30 year fixed rate</li>\r\n	<li>Rural Housing Guaranteed Loan – 30 year fixed rate</li>\r\n	<li>HUD Section 184 – 30 year fixed rate</li>\r\n</ul>\r\nRate/term refinance on any of the above loan products.<strong>\r\n</strong>\r\n\r\n<strong>Lenders:</strong> Lenders must be approved by U.S. Bank to participate in the REI Gift100 program.  Interested lenders should contact U.S. Bank Help desk at 1-800-562-5165 or <a href=\"mailto:mrbp.helpdesk@usbank.com\" target=\"_blank\">mrbp.helpdesk@usbank.com</a>.  You can also contact Dena Sherrill, Housing Program Manager, REI Down Payment Assistance at 1-800-658-2823 or <a href=\"mailto:dsherrill@reiok.org\" target=\"_blank\">dsherrill@reiok.org</a> or Jeremy Layman, Housing Program Specialist at <a href=\"mailto:jlayman@reiok.org\" target=\"_blank\">jlayman@reiok.org</a>.\r\n<p align=\"center\"><b>***Third Party Origination is not allowed***</b></p>\r\n <strong>Program Highlights</strong>\r\n\r\n<strong>Structure:</strong> Up to 4.5% of the total loan amount in the form of a gift. The funds may be used to fund up to 100% of the Borrower\'s cash requirement to close, including the down payment, closing costs, pre-paid items and other related Mortgage Loan fees and expenses.  No portion of the gift funds can be paid to the Borrower unless the Borrower is being reimbursed for an overage of his/her earnest money deposit to the extent the minimum Borrower contribution has been satisfied.  Under the rate/term refinance option, any funds above the amount needed to pay the Borrower\'s loan related costs must be used to reduce the principal amount of the First Mortgage loan.\r\n\r\n<b>First Mortgage Origination Fee:  </b>Up to 1%.\r\n\r\n<strong>Interest rates:</strong> REI Down Payment Assistance will post First Mortgage interest rates by 9:00 a.m. C.S.T. daily on the Lender Portal at <a href=\"http://www.reigift100.org/\">www.reigift100.org</a>.  The rates are based on a 45 day lock reservation to lender.    Loans must be delivered and purchased by U.S. Bank prior to rate lock expiration.  One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>15 days is 0.1875%</li>\r\n	<li>30 days is 0.375%</li>\r\n</ul>\r\n<p align=\"center\"><b>***Rates can be subject to intra-day pricing changes***</b></p>\r\n<strong>Income Limits:</strong> FHA, VA, &amp; HUD 184 - The Borrower\'s qualifying income must not exceed Program Income Limits.  Click on Area Median Income below to view income limits.  They can also be found in the Lender Portal at <a href=\"http://www.reigift100.org/\" target=\"_blank\">www.reigift100.org</a>.\r\n\r\nRural Development Loans - Income is based on Adjusted Household Income per Rural Development\'s Guidelines.  Income limits can be found by <a href=\"http://www.rurdev.usda.gov/SupportDocuments/OK%20GRH.pdf\" target=\"_blank\">clicking here</a>.\r\n\r\n<b>***Lenders will be responsible for ensuring that the income meets program guidelines.***</b>\r\n\r\n<strong>Credit Score:</strong> Minimum credit score of 640.\r\n\r\n<strong>Maximum DTI:</strong> 45%\r\n\r\n<strong>First Time Home Buyer:</strong> No first-time home buyer requirement.\r\n\r\n<strong>Home Buyer Education:</strong> Recommended but not required.\r\n\r\n<strong>Lender Compensation, Fees, and Purchase:</strong> Please review the Program Summary and Program Guidelines below for compensation, loan fees, and purchase requirements.  These documents can also be found on the Lender Portal at <a href=\"http://www.reigift100.org/\" target=\"_blank\">www.reigift100.org</a>.\r\n<ul>\r\n<ul>\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/04/2014-Area-Median-Incomes-Gift-100-Program.pdf\" target=\"_blank\">2014 Area Median Income - Gift100 Program</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/04/REI-Gift100-Program-Summary.pdf\" target=\"_blank\">REI Gift100 Program Summary</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/04/REI-Gift100-Guidelines.pdf\" target=\"_blank\">REI Gift100 Guidelines</a></li>\r\n	<li><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a></li>\r\n</ul>\r\n</ul>\r\n</ul>', 'REI Gift100 Program', '', 'inherit', 'open', 'open', '', '431-revision-v1', '', '', '2014-04-09 15:03:52', '2014-04-09 15:03:52', '', 431, 'http://reidownpayment.org/431-revision-v1/', 0, 'revision', '', 0),
(467, 2, '2014-04-09 15:04:23', '2014-04-09 15:04:23', '<strong>REI CHOICE100 PROGRAM</strong> - Down Payment and Closing Cost Assistance - Fannie Mae My Community Mortgage Loans\r\n\r\nThe REI Choice100 program is just that, it provides you with numerous choices and types of assistance for your borrowers. The program is utilized with Fannie Mae\'s 95% My Community Mortgage loan. We have structured the program to provide the borrower with a second mortgage of 5% along with the choice to pay a higher interest rate and receive 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.\r\n\r\nThis program can also be used for a rate/term refinance of existing loans. Any loan that is refinanced must prove a demonstrable benefit to the borrower (i.e. lower payments, term, or interest rates). Cash out refinances are not eligible.\r\n\r\nPlease review Program Guidelines for more detailed information, below are some highlights of the program.\r\n\r\n<strong>Eligible Lenders:</strong> Lenders must be approved as a 360 Mortgage Delegated Correspondent Lender and in good standing. 360 Mortgage requires that Lenders meet a minimum net worth requirement of $2.5 million to be eligible to sell this Program. Lenders should contact Priscilla Bohot at (512)418-6094 or <a href=\"mailto:pbohot@360mortgage.com\">pbohot@360mortgage.com</a> to inquire about becoming a participating lender. If you do not meet this requirement, please contact Dena Sherrill at <a href=\"mailto:dsherrill@reiok.org\">dsherrill@reiok.org</a> or Jeremy Layman at <a href=\"mailto:jlayman@reiok.org\">jlayman@reiok.org</a>.\r\n\r\n<strong>Program Highlights:</strong>\r\n\r\n<strong>Structure:</strong> This is a first and second mortgage program that are packaged together. The first mortgage loan is a 30 year fixed rate 95% My Community Mortgage and the second mortgage is utilized to pay the down payment, closing or mortgage insurance premiums associated with the first mortgage.\r\n\r\n<strong>Second Mortgage:</strong> The second mortgage is sized at 5% of the total first mortgage loan amount. The second mortgage is a 20 year fixed rate mortgage with an interest rate of 6.00%. There is no pre-payment penalties on the second mortgage. Borrower may be reimbursed for their earnest money and prepaid expenses.\r\n\r\n<strong>Interest rates:</strong> Multiple choices of Mortgage Loan Rates will be posted daily by 360 Mortgage. Rates are subject to change and confirmation by 360 Mortgage.\r\n\r\n<strong>Income Limits:</strong> Income limits apply based on qualifying <a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/09/Income-Worksheet.xls\">Income Worksheet</a>.\r\n\r\n<strong>Borrower Investment:</strong> Minimum borrower investment of 15, which must be derived from verified assets.\r\n\r\n<strong>Credit Score:</strong> Minimum credit score of 660.\r\n\r\n<strong>Maximum DTI:</strong> 45%\r\n\r\n<strong>Mortgage Insurance:</strong> MCM 95 loans require 16% charter coverage. MI coverage rates should match the MI coverage recommended by AUS and are subject to change. Lenders may select from the various monthly, split and single “lender paid” MI premium plans available, subject to mortgage insurer terms and conditions. Upfront single or split premiums may be funded by the Second Loan proceeds or from any available rebate pricing, as reflected in the daily rate sheet, or from a Seller’s concession.\r\n\r\n<strong>We are currently working with the following MI companies:</strong> Genworth, MGIC, and National MI. You must follow the MI companies HFA guidelines.\r\n\r\n<strong>First Time Home Buyer:</strong> No first-time home buyer requirement.\r\n\r\n<strong>Home Buyer Education:</strong> If all borrowers are first-time home buyers, at least one borrower must complete pre-purchase home-buyer education and counseling.\r\n\r\n<strong>Lender Compensation, Fees, and Purchase:</strong> Please review the Program Guidelines for compensation, loan fees, and purchase requirements.\r\n\r\n<strong>Forms:</strong>\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/03/2014-Area-Median-Incomes-Choice-100-Program2.pdf\" target=\"_blank\">2014 Area Median Incomes - Choice100 Programs</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/09/MORTGAGORS-AGREEMENT-DISCLOSURE-FORM.pdf\">Mortgagors Agreement &amp; Disclosure Form</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/08/Program-Guidelines-choice-100.pdf\">Program Guidelines Choice100</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/09/SECOND-LIEN-RIDER.pdf\">Second Lien Rider</a></li>\r\n</ul>', 'REI Choice100 Program', '', 'inherit', 'open', 'open', '', '217-revision-v1', '', '', '2014-04-09 15:04:23', '2014-04-09 15:04:23', '', 217, 'http://reidownpayment.org/217-revision-v1/', 0, 'revision', '', 0),
(468, 2, '2014-04-09 15:04:41', '2014-04-09 15:04:41', '<img class=\"size-full wp-image-146 alignright\" alt=\"homebuyers-pic-1\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/homebuyers-pic-1.png\" width=\"348\" height=\"348\" />\r\n\r\n<strong>REI Gift100</strong>\r\n\r\nREI Down Payment Assistance invests in Oklahoma’s future by providing housing opportunities to low income individuals and families. The new statewide REI Gift100 Program provides a competitive first mortgage and down payment/closing cost assistance to eligible mortgagors.  The down payment is in the form of a gift, you are not required to pay this back and there will not be any second liens or deed restrictions against your property.  This program can be used with the following loan types:\r\n<ul>\r\n	<li>FHA</li>\r\n	<li>VA</li>\r\n	<li>Rural Development</li>\r\n	<li>HUD Section 184</li>\r\n</ul>\r\nRate/term refinance on any of the above loan products.\r\n\r\n<strong>Program Highlights:</strong>\r\n\r\n<strong>Structure:</strong> Up to 4.5% of the total loan amount in the form of a gift.  The funds may be used to fund up to 100% of the Borrower\'s cash requirement to close, including the down payment, closing costs, pre-paid items and other related Mortgage Loan fees and expenses.\r\n\r\n<strong>Lenders:</strong> You may use the lender of your choice, if they are approved for the REI Gift100 program.   Many lenders throughout the state are approved.  If you are using a lender that is not familiar with the program or is not approved, please have them contact Dena Sherrill, REI Down Payment Assistance Manager at 800-658-2823 or <a href=\"mailto:dsherrill@reiok.org\">dsherrill@reiok.org</a>.\r\n\r\n<strong>Income Limits:</strong> Income limits apply based on qualifying income and household size.  Click on the Area Median Income link below to view income requirements.\r\n\r\n<strong>Credit Score:</strong> Minimum credit score of 640.\r\n\r\n<strong>First Time Home Buyer:</strong> You do not have to be a first-time home buyer for this program.\r\n\r\n<strong>Home Buyer Education:</strong> Recommended but not required.\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/04/2014-Area-Median-Incomes-Gift-100-Program.pdf\" target=\"_blank\">2014 Area Median Incomes - Gift100 Program</a></li>\r\n</ul>', 'REI Gift100 Program', '', 'inherit', 'open', 'open', '', '168-revision-v1', '', '', '2014-04-09 15:04:41', '2014-04-09 15:04:41', '', 168, 'http://reidownpayment.org/168-revision-v1/', 0, 'revision', '', 0),
(469, 2, '2014-04-09 15:04:53', '2014-04-09 15:04:53', '<strong>REI CHOICE100 PROGRAM</strong> - Down Payment and Closing Cost Assistance - Fannie Mae My Community Mortgage Loans\r\n\r\nThe REI Choice100 program is just that, it provides you with numerous choices and types of assistance. The program is utilized with Fannie Mae\'s 95% My Community Mortgage loan. We have structured the program to provide you with a second mortgage of 5% along with the \"choice\" to pay a higher interest rate and receive 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\n<strong>Program Highlights:</strong>\r\n\r\n<strong>Structure:</strong> This is a first and second mortgage program that are packaged together. The first mortgage loan is a 30 year fixed rate 95% My Community Mortgage and the second mortgage is utilized to pay the down payment, closing or mortgage insurance premiums associated with the first mortgage.\r\n\r\n<strong>Second Mortgage:</strong> The second mortgage is sized at 5% of the total first mortgage loan amount. The second mortgage is a 20 year fixed rate mortgage with an interest rate of 6.00%. There are no pre-payment penalties on the second mortgage. Borrower may be reimbursed for their earnest money and prepaid expenses.\r\n\r\n<strong>Lenders:</strong> You may use the lender of your choice, if they are approved for the REI Choice100 program. Many lenders throughout the state are approved. If you are using a lender that is not familiar with the program or is not approved, please have them contact Dena Sherrill, REI Down Payment Assistance Manager at 800-658-2823 or <a href=\"mailto:dsherrill@reiok.org\">dsherrill@reiok.org</a>.\r\n\r\n<strong>Income Limits:</strong> Income limits apply based on qualifying <a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/03/2014-Area-Median-Incomes-Choice-100-Program2.pdf\" target=\"_blank\">income</a>.\r\n\r\n<strong>Credit Score:</strong> Minimum credit score of 660.\r\n\r\n<strong>Mortgage Insurance:</strong> Required coverage amount is lower than normal My Community Mortgage loans.\r\n\r\n<strong>First Time Home Buyer:</strong> You do not have to be a first-time home buyer for this program.\r\n\r\n<strong>Home Buyer Education:</strong> If all borrowers are first-time home buyers, at least one borrower must complete pre-purchase home-buyer education and counseling.\r\n\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/03/2014-Area-Median-Incomes-Choice-100-Program2.pdf\" target=\"_blank\">2014 Area Median Incomes - Choice100 Program</a>', 'REI Choice100 Program', '', 'inherit', 'open', 'open', '', '171-revision-v1', '', '', '2014-04-09 15:04:53', '2014-04-09 15:04:53', '', 171, 'http://reidownpayment.org/171-revision-v1/', 0, 'revision', '', 0),
(470, 2, '2014-04-09 15:05:05', '2014-04-09 15:05:05', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nThe rates are based on a 45 day lock reservation to lender.    Loans must be delivered and purchased by U.S. Bank prior to rate lock expiration.  One time extension can be purchased at the following rates:\r\n\r\n•             15 days is 0.1875%\r\n•             30 days is 0.375%\r\n\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2014-04-09 15:05:05', '2014-04-09 15:05:05', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(471, 2, '2014-04-09 20:58:34', '2014-04-09 20:58:34', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nThe rates are based on a 45 day lock reservation to lender.    Loans must be delivered and purchased by U.S. Bank prior to rate lock expiration.  One time extension can be purchased at the following rates:\r\n\r\n•             15 days is 0.1875%\r\n•             30 days is 0.375%\r\n\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2014-04-09 20:58:34', '2014-04-09 20:58:34', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(472, 2, '2014-04-09 20:58:45', '2014-04-09 20:58:45', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nThe rates are based on a 45 day lock reservation to lender.    Loans must be delivered and purchased by U.S. Bank prior to rate lock expiration.  One time extension can be purchased at the following rates:\r\n\r\n•             15 days is 0.1875%\r\n•             30 days is 0.375%\r\n\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2014-04-09 20:58:45', '2014-04-09 20:58:45', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(473, 2, '2014-04-09 21:01:59', '2014-04-09 21:01:59', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nThe rates are based on a 45 day lock reservation to lender.    Loans must be delivered and purchased by U.S. Bank prior to rate lock expiration.  One time extension can be purchased at the following rates:\r\n\r\n• 15 days is 0.1875%\r\n• 30 days is 0.375%\r\n\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2014-04-09 21:01:59', '2014-04-09 21:01:59', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(475, 2, '2014-05-28 13:50:19', '2014-05-28 13:50:19', '<b>REI GIFT100 PROGRAM INTEREST RATE\r\n</b>\r\n\r\nThe rates are based on a 45 day lock reservation to lender.    Loans must be delivered and purchased by U.S. Bank prior to rate lock expiration.  One time extension can be purchased at the following rates:\r\n\r\n• 15 days is 0.1875%\r\n• 30 days is 0.375%\r\n\r\n<a href=\"http://reidownpayment.org/lenders/gift100-2/\">Click here</a> for Program Highlights\r\n\r\n<a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a>\r\n\r\n&nbsp;', 'REI Gift100 Interest Rate', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2014-05-28 13:50:19', '2014-05-28 13:50:19', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(476, 2, '2014-05-28 13:58:08', '2014-05-28 13:58:08', 'Saving for the down payment and/or closing costs can be one of the biggest hurdles many people face when purchasing a home. To help home buyers attain homeownership, REI Down Payment Assistance offers REI CHOICE100 and REI Gift100, two options that allow you to offer closing cost and down payment to your borrower.\r\n\r\n<strong><a title=\"Choice100 Program\" href=\"http://reidownpayment.org/lenders/choice100-program/\">REI CHOICE100 </a></strong><a title=\"Choice100 Program\" href=\"http://reidownpayment.org/lenders/choice100-program/\">(click for more info)</a>\r\n<strong>Down Payment and Closing Cost Assistance - Fannie Mae My Community Mortgage Loans</strong>\r\n\r\nThe REI Choice100 program is just that, it provides you with numerous choices and types of assistance for your borrowers. The program is utilized with Fannie Mae\'s 95% My Community Mortgage loan. We have structured the program to provide the borrower with a second mortgage of 5% along with the choice to pay a higher interest rate and receive additional assistance which can be used to fund split or single premium mortgage insurance. As the borrower\'s lender, you can advise them of the different choices available to them and what will be best for their situation.\r\n\r\nThis program can also be used for a rate/term refinance of existing loans. Any loan that is refinanced must prove a demonstrable benefit to the borrower (i.e. lower payments or interest rates). Cash out refinances are not eligible.\r\n\r\n<strong>REI Gift100 </strong><a href=\"http://reidownpayment.org/lenders/gift100-2/\">(click for more info)</a>\r\n<strong>Down Payment and Closing Cost Assistance</strong>\r\n\r\nREI Down Payment Assistance invests in Oklahoma’s future by providing housing opportunities to low income individuals and families. The new statewide REI Gift100 Program provides a competitive first mortgage and down payment and closing cost assistance to eligible mortgagors. The down payment is in the form of a gift, second liens or deed restrictions are not required for this program. The program includes the following loan types:\r\n<ul>\r\n	<li>FHA – 203(b), 234(c) &amp; 203ks (lenders must have an additional approval from U.S. Bank to originate 203ks loans) – 30 year fixed rate</li>\r\n	<li>VA – 203(b) &amp; 234(c) – 30 year fixed rate</li>\r\n	<li>Rural Housing Guaranteed Loan – 30 year fixed rate</li>\r\n	<li>HUD Section 184 – 30 year fixed rate</li>\r\n</ul>\r\nRate/term refinance on any of the above loan products.<strong>\r\n</strong>', 'Lenders', '', 'inherit', 'open', 'open', '', '7-revision-v1', '', '', '2014-05-28 13:58:08', '2014-05-28 13:58:08', '', 7, 'http://reidownpayment.org/7-revision-v1/', 0, 'revision', '', 0),
(477, 2, '2014-05-28 13:58:35', '2014-05-28 13:58:35', 'Saving for the down payment and/or closing costs can be one of the biggest hurdles many people face when purchasing a home. To help home buyers attain homeownership, REI Down Payment Assistance offers REI CHOICE100 and REI Gift100, two options that allow you to offer closing cost and down payment to your borrower. <strong>REI Oklahoma is QM/ATR Exempt.</strong>\r\n\r\n<strong><a title=\"Choice100 Program\" href=\"http://reidownpayment.org/lenders/choice100-program/\">REI CHOICE100 </a></strong><a title=\"Choice100 Program\" href=\"http://reidownpayment.org/lenders/choice100-program/\">(click for more info)</a>\r\n<strong>Down Payment and Closing Cost Assistance - Fannie Mae My Community Mortgage Loans</strong>\r\n\r\nThe REI Choice100 program is just that, it provides you with numerous choices and types of assistance for your borrowers. The program is utilized with Fannie Mae\'s 95% My Community Mortgage loan. We have structured the program to provide the borrower with a second mortgage of 5% along with the choice to pay a higher interest rate and receive additional assistance which can be used to fund split or single premium mortgage insurance. As the borrower\'s lender, you can advise them of the different choices available to them and what will be best for their situation.\r\n\r\nThis program can also be used for a rate/term refinance of existing loans. Any loan that is refinanced must prove a demonstrable benefit to the borrower (i.e. lower payments or interest rates). Cash out refinances are not eligible.\r\n\r\n<strong>REI Gift100 </strong><a href=\"http://reidownpayment.org/lenders/gift100-2/\">(click for more info)</a>\r\n<strong>Down Payment and Closing Cost Assistance</strong>\r\n\r\nREI Down Payment Assistance invests in Oklahoma’s future by providing housing opportunities to low income individuals and families. The new statewide REI Gift100 Program provides a competitive first mortgage and down payment and closing cost assistance to eligible mortgagors. The down payment is in the form of a gift, second liens or deed restrictions are not required for this program. The program includes the following loan types:\r\n<ul>\r\n	<li>FHA – 203(b), 234(c) &amp; 203ks (lenders must have an additional approval from U.S. Bank to originate 203ks loans) – 30 year fixed rate</li>\r\n	<li>VA – 203(b) &amp; 234(c) – 30 year fixed rate</li>\r\n	<li>Rural Housing Guaranteed Loan – 30 year fixed rate</li>\r\n	<li>HUD Section 184 – 30 year fixed rate</li>\r\n</ul>\r\nRate/term refinance on any of the above loan products.<strong>\r\n</strong>', 'Lenders', '', 'inherit', 'open', 'open', '', '7-revision-v1', '', '', '2014-05-28 13:58:35', '2014-05-28 13:58:35', '', 7, 'http://reidownpayment.org/7-revision-v1/', 0, 'revision', '', 0),
(478, 2, '2014-05-28 14:01:36', '2014-05-28 14:01:36', '<b>REI GIFT100 PROGRAM</b>\r\n\r\nREI Down Payment Assistance invests in Oklahoma’s future by providing housing opportunities to low income individuals and families.  The new statewide REI Gift100 Program provides a competitive first mortgage and down payment and closing cost assistance to eligible mortgagors. The down payment is in the form of a gift, second liens or deed restrictions are not required for this program. <strong>REI Oklahoma is QM/ATR Exempt.</strong>\r\n\r\nThe program includes the following loan types:\r\n<ul>\r\n	<li>FHA – 203(b), 234(c) &amp; 203ks (lenders must have an additional approval from U.S. Bank to originate 203ks loans) – 30 year fixed rate</li>\r\n	<li>VA – 203(b) &amp; 234(c) – 30 year fixed rate</li>\r\n	<li>Rural Housing Guaranteed Loan – 30 year fixed rate</li>\r\n	<li>HUD Section 184 – 30 year fixed rate</li>\r\n</ul>\r\nRate/term refinance on any of the above loan products.<strong>\r\n</strong>\r\n\r\n<strong>Lenders:</strong> Lenders must be approved by U.S. Bank to participate in the REI Gift100 program.  Interested lenders should contact U.S. Bank Help desk at 1-800-562-5165 or <a href=\"mailto:mrbp.helpdesk@usbank.com\" target=\"_blank\">mrbp.helpdesk@usbank.com</a>.  You can also contact Dena Sherrill, Housing Program Manager, REI Down Payment Assistance at 1-800-658-2823 or <a href=\"mailto:dsherrill@reiok.org\" target=\"_blank\">dsherrill@reiok.org</a> or Jeremy Layman, Housing Program Specialist at <a href=\"mailto:jlayman@reiok.org\" target=\"_blank\">jlayman@reiok.org</a>.\r\n<p align=\"center\"><b>***Third Party Origination is not allowed***</b></p>\r\n <strong>Program Highlights</strong>\r\n\r\n<strong>Structure:</strong> Up to 4.5% of the total loan amount in the form of a gift. The funds may be used to fund up to 100% of the Borrower\'s cash requirement to close, including the down payment, closing costs, pre-paid items and other related Mortgage Loan fees and expenses.  No portion of the gift funds can be paid to the Borrower unless the Borrower is being reimbursed for an overage of his/her earnest money deposit to the extent the minimum Borrower contribution has been satisfied.  Under the rate/term refinance option, any funds above the amount needed to pay the Borrower\'s loan related costs must be used to reduce the principal amount of the First Mortgage loan.\r\n\r\n<b>First Mortgage Origination Fee:  </b>Usual and customary as allowed by First Mortgage loan program.\r\n\r\n<strong>Interest rates:</strong> REI Down Payment Assistance will post First Mortgage interest rates by 9:00 a.m. C.S.T. daily on the Lender Portal at <a href=\"http://www.reigift100.org/\">www.reigift100.org</a>.  All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock  One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>15 days is 0.1875%</li>\r\n	<li>30 days is 0.375%</li>\r\n</ul>\r\n<p align=\"center\"><b>***Rates can be subject to intra-day pricing changes***</b></p>\r\n<strong>Income Limits:</strong> FHA, VA, &amp; HUD 184 - The Borrower\'s qualifying income must not exceed Program Income Limits.  Click on Area Median Income below to view income limits.  They can also be found in the Lender Portal at <a href=\"http://www.reigift100.org/\" target=\"_blank\">www.reigift100.org</a>.\r\n\r\nRural Development Loans - Income is based on Adjusted Household Income per Rural Development\'s Guidelines.  Income limits can be found by <a href=\"http://www.rurdev.usda.gov/SupportDocuments/OK%20GRH.pdf\" target=\"_blank\">clicking here</a>.\r\n\r\n<b>***Lenders will be responsible for ensuring that the income meets program guidelines.***</b>\r\n\r\n<strong>Credit Score:</strong> Minimum credit score of 640.\r\n\r\n<strong>Maximum DTI:</strong> 45%\r\n\r\n<strong>First Time Home Buyer:</strong> No first-time home buyer requirement.\r\n\r\n<strong>Home Buyer Education:</strong> Recommended but not required.\r\n\r\n<strong>Lender Compensation, Fees, and Purchase:</strong> Please review the Program Summary and Program Guidelines below for compensation, loan fees, and purchase requirements.  These documents can also be found on the Lender Portal at <a href=\"http://www.reigift100.org/\" target=\"_blank\">www.reigift100.org</a>.\r\n<ul>\r\n<ul>\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/04/2014-Area-Median-Incomes-Gift-100-Program.pdf\" target=\"_blank\">2014 Area Median Income - Gift100 Program</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/04/REI-Gift100-Program-Summary.pdf\" target=\"_blank\">REI Gift100 Program Summary</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/04/REI-Gift100-Guidelines.pdf\" target=\"_blank\">REI Gift100 Guidelines</a></li>\r\n	<li><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a></li>\r\n</ul>\r\n</ul>\r\n</ul>', 'REI Gift100 Program', '', 'inherit', 'open', 'open', '', '431-revision-v1', '', '', '2014-05-28 14:01:36', '2014-05-28 14:01:36', '', 431, 'http://reidownpayment.org/431-revision-v1/', 0, 'revision', '', 0),
(479, 2, '2014-05-28 14:03:19', '2014-05-28 14:03:19', '<b>REI GIFT100 PROGRAM</b>\r\n\r\nREI Down Payment Assistance invests in Oklahoma’s future by providing housing opportunities to low income individuals and families.  The new statewide REI Gift100 Program provides a competitive first mortgage and down payment and closing cost assistance to eligible mortgagors. The down payment is in the form of a gift, second liens or deed restrictions are not required for this program. <strong>REI Oklahoma is QM/ATR Exempt.</strong>\r\n\r\nThe program includes the following loan types:\r\n<ul>\r\n	<li>FHA – 203(b), 234(c) &amp; 203ks (lenders must have an additional approval from U.S. Bank to originate 203ks loans) – 30 year fixed rate</li>\r\n	<li>VA – 203(b) &amp; 234(c) – 30 year fixed rate</li>\r\n	<li>Rural Housing Guaranteed Loan – 30 year fixed rate</li>\r\n	<li>HUD Section 184 – 30 year fixed rate</li>\r\n</ul>\r\nRate/term refinance on any of the above loan products.<strong>\r\n</strong>\r\n\r\n<strong>Lenders:</strong> Lenders must be approved by U.S. Bank to participate in the REI Gift100 program.  Interested lenders should contact U.S. Bank Help desk at 1-800-562-5165 or <a href=\"mailto:mrbp.helpdesk@usbank.com\" target=\"_blank\">mrbp.helpdesk@usbank.com</a>.  You can also contact Dena Sherrill, Housing Program Manager, REI Down Payment Assistance at 1-800-658-2823 or <a href=\"mailto:dsherrill@reiok.org\" target=\"_blank\">dsherrill@reiok.org</a> or Jeremy Layman, Housing Program Specialist at <a href=\"mailto:jlayman@reiok.org\" target=\"_blank\">jlayman@reiok.org</a>.\r\n<p align=\"center\"><b>***Third Party Origination is not allowed***</b></p>\r\n <strong>Program Highlights</strong>\r\n\r\n<strong>Structure:</strong> Up to 4.5% of the total loan amount in the form of a gift. The funds may be used to fund up to 100% of the Borrower\'s cash requirement to close, including the down payment, closing costs, pre-paid items and other related Mortgage Loan fees and expenses.  No portion of the gift funds can be paid to the Borrower unless the Borrower is being reimbursed for an overage of his/her earnest money deposit to the extent the minimum Borrower contribution has been satisfied.  Under the rate/term refinance option, any funds above the amount needed to pay the Borrower\'s loan related costs must be used to reduce the principal amount of the First Mortgage loan.\r\n\r\n<b>First Mortgage Origination Fee:  </b>Usual and customary as allowed by First Mortgage loan program.\r\n\r\n<strong>Interest rates:</strong> REI Down Payment Assistance will post First Mortgage interest rates by 9:00 a.m. C.S.T. daily on the Lender Portal at <a href=\"http://www.reigift100.org/\">www.reigift100.org</a>.  All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock  One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>15 days is 0.1875%</li>\r\n	<li>30 days is 0.375%</li>\r\n</ul>\r\n<p align=\"center\"><b>***Rates can be subject to intra-day pricing changes***</b></p>\r\n<strong>Income Limits:</strong> FHA, VA, &amp; HUD 184 - The Borrower\'s <strong>qualifying </strong>income must not exceed Program Income Limits.  Click on Area Median Income below to view income limits.  They can also be found in the Lender Portal at <a href=\"http://www.reigift100.org/\" target=\"_blank\">www.reigift100.org</a>.\r\n\r\nRural Development Loans - Income is based on Adjusted Household Income per Rural Development\'s Guidelines.  Income limits can be found by <a href=\"http://www.rurdev.usda.gov/SupportDocuments/OK%20GRH.pdf\" target=\"_blank\">clicking here</a>.\r\n\r\n<b>***Lenders will be responsible for ensuring that the income meets program guidelines.***</b>\r\n\r\n<strong>Credit Score:</strong> Minimum credit score of 640.\r\n\r\n<strong>Maximum DTI:</strong> 45%\r\n\r\n<strong>First Time Home Buyer:</strong> No first-time home buyer requirement.\r\n\r\n<strong>Home Buyer Education:</strong> Recommended but not required.\r\n\r\n<strong>Lender Compensation, Fees, and Purchase:</strong> Please review the Program Summary and Program Guidelines below for compensation, loan fees, and purchase requirements.  These documents can also be found on the Lender Portal at <a href=\"http://www.reigift100.org/\" target=\"_blank\">www.reigift100.org</a>.\r\n<ul>\r\n<ul>\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/04/2014-Area-Median-Incomes-Gift-100-Program.pdf\" target=\"_blank\">2014 Area Median Income - Gift100 Program</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/04/REI-Gift100-Program-Summary.pdf\" target=\"_blank\">REI Gift100 Program Summary</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/04/REI-Gift100-Guidelines.pdf\" target=\"_blank\">REI Gift100 Guidelines</a></li>\r\n	<li><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a></li>\r\n</ul>\r\n</ul>\r\n</ul>', 'REI Gift100 Program', '', 'inherit', 'open', 'open', '', '431-revision-v1', '', '', '2014-05-28 14:03:19', '2014-05-28 14:03:19', '', 431, 'http://reidownpayment.org/431-revision-v1/', 0, 'revision', '', 0),
(480, 2, '2014-05-28 14:04:02', '2014-05-28 14:04:02', '<strong>REI CHOICE100 PROGRAM</strong> - Down Payment and Closing Cost Assistance - Fannie Mae My Community Mortgage Loans\r\n\r\nThe REI Choice100 program is just that, it provides you with numerous choices and types of assistance for your borrowers. The program is utilized with Fannie Mae\'s 95% My Community Mortgage loan. We have structured the program to provide the borrower with a second mortgage of 5% along with the choice to pay a higher interest rate and receive 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.\r\n\r\nThis program can also be used for a rate/term refinance of existing loans. Any loan that is refinanced must prove a demonstrable benefit to the borrower (i.e. lower payments, term, or interest rates). Cash out refinances are not eligible.\r\n\r\nPlease review Program Guidelines for more detailed information, below are some highlights of the program.\r\n\r\n<strong>Eligible Lenders:</strong> Lenders must be approved as a 360 Mortgage Delegated Correspondent Lender and in good standing. 360 Mortgage requires that Lenders meet a minimum net worth requirement of $2.5 million to be eligible to sell this Program. Lenders should contact Priscilla Bohot at (512)418-6094 or <a href=\"mailto:pbohot@360mortgage.com\">pbohot@360mortgage.com</a> to inquire about becoming a participating lender. If you do not meet this requirement, please contact Dena Sherrill at <a href=\"mailto:dsherrill@reiok.org\">dsherrill@reiok.org</a> or Jeremy Layman at <a href=\"mailto:jlayman@reiok.org\">jlayman@reiok.org</a>.\r\n\r\n<strong>Program Highlights:</strong>\r\n\r\n<strong>Structure:</strong> This is a first and second mortgage program that are packaged together. The first mortgage loan is a 30 year fixed rate 95% My Community Mortgage and the second mortgage is utilized to pay the down payment, closing or mortgage insurance premiums associated with the first mortgage.\r\n\r\n<strong>Second Mortgage:</strong> The second mortgage is sized at 5% of the total first mortgage loan amount. The second mortgage is a 20 year fixed rate mortgage with an interest rate of 6.00%. There is no pre-payment penalties on the second mortgage. Borrower may be reimbursed for their earnest money and prepaid expenses.\r\n\r\n<strong>Interest rates:</strong> Multiple choices of Mortgage Loan Rates will be posted daily by 360 Mortgage. Rates are subject to change and confirmation by 360 Mortgage.\r\n\r\n<strong>Income Limits:</strong> The Borrower\'s <strong>qualifying </strong>income must not exceed Program Income Limits.  Click on Area Median Income below to view income limits.\r\n\r\n<strong>Borrower Investment:</strong> Minimum borrower investment of 15, which must be derived from verified assets.\r\n\r\n<strong>Credit Score:</strong> Minimum credit score of 660.\r\n\r\n<strong>Maximum DTI:</strong> 45%\r\n\r\n<strong>Mortgage Insurance:</strong> MCM 95 loans require 16% charter coverage. MI coverage rates should match the MI coverage recommended by AUS and are subject to change. Lenders may select from the various monthly, split and single “lender paid” MI premium plans available, subject to mortgage insurer terms and conditions. Upfront single or split premiums may be funded by the Second Loan proceeds or from any available rebate pricing, as reflected in the daily rate sheet, or from a Seller’s concession.\r\n\r\n<strong>We are currently working with the following MI companies:</strong> Genworth, MGIC, and National MI. You must follow the MI companies HFA guidelines.\r\n\r\n<strong>First Time Home Buyer:</strong> No first-time home buyer requirement.\r\n\r\n<strong>Home Buyer Education:</strong> If all borrowers are first-time home buyers, at least one borrower must complete pre-purchase home-buyer education and counseling.\r\n\r\n<strong>Lender Compensation, Fees, and Purchase:</strong> Please review the Program Guidelines for compensation, loan fees, and purchase requirements.\r\n\r\n<strong>Forms:</strong>\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/03/2014-Area-Median-Incomes-Choice-100-Program2.pdf\" target=\"_blank\">2014 Area Median Incomes - Choice100 Programs</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/09/MORTGAGORS-AGREEMENT-DISCLOSURE-FORM.pdf\">Mortgagors Agreement &amp; Disclosure Form</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/08/Program-Guidelines-choice-100.pdf\">Program Guidelines Choice100</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/09/SECOND-LIEN-RIDER.pdf\">Second Lien Rider</a></li>\r\n</ul>', 'REI Choice100 Program', '', 'inherit', 'open', 'open', '', '217-revision-v1', '', '', '2014-05-28 14:04:02', '2014-05-28 14:04:02', '', 217, 'http://reidownpayment.org/217-revision-v1/', 0, 'revision', '', 0);
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(481, 2, '2014-05-28 14:09:34', '2014-05-28 14:09:34', '<strong>REI CHOICE100 PROGRAM</strong> - Down Payment and Closing Cost Assistance - Fannie Mae My Community Mortgage Loans. <strong>REI Oklahoma is QM/ATR Exempt.</strong>\r\n\r\nThe REI Choice100 program is just that, it provides you with numerous choices and types of assistance for your borrowers. The program is utilized with Fannie Mae\'s 95% My Community Mortgage loan. We have structured the program to provide the borrower with a second mortgage of 5% along with the choice to pay a higher interest rate and receive  additional 2% assistance which can be used to fund split or single premium mortgage insurance. As the borrower\'s lender, you can advise them of the different choices available to them and what will be best for their situation.\r\n\r\nThis program can also be used for a rate/term refinance of existing loans. Any loan that is refinanced must prove a demonstrable benefit to the borrower (i.e. lower payments, term, or interest rates). Cash out refinances are not eligible.\r\n\r\nPlease review Program Guidelines for more detailed information, below are some highlights of the program.\r\n\r\n<strong>Eligible Lenders:</strong> Lenders must be approved as a 360 Mortgage Delegated Correspondent Lender and in good standing. 360 Mortgage requires that Lenders meet a minimum net worth requirement of $2.5 million to be eligible to sell this Program. Lenders should contact Priscilla Bohot at (512)418-6094 or <a href=\"mailto:pbohot@360mortgage.com\">pbohot@360mortgage.com</a> to inquire about becoming a participating lender. If you do not meet this requirement, please contact Dena Sherrill at <a href=\"mailto:dsherrill@reiok.org\">dsherrill@reiok.org</a> or Jeremy Layman at <a href=\"mailto:jlayman@reiok.org\">jlayman@reiok.org</a>.\r\n\r\n<strong>Program Highlights:</strong>\r\n\r\n<strong>Structure:</strong> This is a first and second mortgage program that are packaged together. The first mortgage loan is a 30 year fixed rate 95% My Community Mortgage and the second mortgage is utilized to pay the down payment, closing or mortgage insurance premiums associated with the first mortgage.\r\n\r\n<strong>Second Mortgage:</strong> The second mortgage is sized at 5% of the total first mortgage loan amount. The second mortgage is a 20 year fixed rate mortgage with an interest rate of 6.00%. There is no pre-payment penalties on the second mortgage. Borrower may be reimbursed for their earnest money and prepaid expenses.\r\n\r\n<strong>Interest rates:</strong> Multiple choices of Mortgage Loan Rates will be posted daily by 360 Mortgage. Rates are subject to change and confirmation by 360 Mortgage.\r\n\r\n<strong>Income Limits:</strong> The Borrower\'s <strong>qualifying </strong>income must not exceed Program Income Limits.  Click on Area Median Income below to view income limits.\r\n\r\n<strong>Borrower Investment:</strong> Minimum borrower investment of 15, which must be derived from verified assets.\r\n\r\n<strong>Credit Score:</strong> Minimum credit score of 660.\r\n\r\n<strong>Maximum DTI:</strong> 45%\r\n\r\n<strong>Mortgage Insurance:</strong> MCM 95 loans require 16% charter coverage. MI coverage rates should match the MI coverage recommended by AUS and are subject to change. Lenders may select from the various monthly, split and single “lender paid” MI premium plans available, subject to mortgage insurer terms and conditions. Upfront single or split premiums may be funded by the Second Loan proceeds or from any available rebate pricing, as reflected in the daily rate sheet, or from a Seller’s concession.\r\n\r\n<strong>We are currently working with the following MI companies:</strong> Genworth, MGIC, and National MI. You must follow the MI companies HFA guidelines.\r\n\r\n<strong>First Time Home Buyer:</strong> No first-time home buyer requirement.\r\n\r\n<strong>Home Buyer Education:</strong> If all borrowers are first-time home buyers, at least one borrower must complete pre-purchase home-buyer education and counseling.\r\n\r\n<strong>Lender Compensation, Fees, and Purchase:</strong> Please review the Program Guidelines for compensation, loan fees, and purchase requirements.\r\n\r\n<strong>Forms:</strong>\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/03/2014-Area-Median-Incomes-Choice-100-Program2.pdf\" target=\"_blank\">2014 Area Median Incomes - Choice100 Programs</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/09/MORTGAGORS-AGREEMENT-DISCLOSURE-FORM.pdf\">Mortgagors Agreement &amp; Disclosure Form</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/08/Program-Guidelines-choice-100.pdf\">Program Guidelines Choice100</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/09/SECOND-LIEN-RIDER.pdf\">Second Lien Rider</a></li>\r\n</ul>', 'REI Choice100 Program', '', 'inherit', 'open', 'open', '', '217-revision-v1', '', '', '2014-05-28 14:09:34', '2014-05-28 14:09:34', '', 217, 'http://reidownpayment.org/217-revision-v1/', 0, 'revision', '', 0),
(482, 2, '2014-05-28 14:09:43', '2014-05-28 14:09:43', '<strong>REI CHOICE100 PROGRAM</strong> - Down Payment and Closing Cost Assistance - Fannie Mae My Community Mortgage Loans. <strong>REI Oklahoma is QM/ATR Exempt.</strong>\r\n\r\nThe REI Choice100 program is just that, it provides you with numerous choices and types of assistance for your borrowers. The program is utilized with Fannie Mae\'s 95% My Community Mortgage loan. We have structured the program to provide the borrower with a second mortgage of 5% along with the choice to pay a higher interest rate and receive  additional 2% assistance which can be used to fund split or single premium mortgage insurance. As the borrower\'s lender, you can advise them of the different choices available to them and what will be best for their situation.\r\n\r\nThis program can also be used for a rate/term refinance of existing loans. Any loan that is refinanced must prove a demonstrable benefit to the borrower (i.e. lower payments or interest rates). Cash out refinances are not eligible.\r\n\r\nPlease review Program Guidelines for more detailed information, below are some highlights of the program.\r\n\r\n<strong>Eligible Lenders:</strong> Lenders must be approved as a 360 Mortgage Delegated Correspondent Lender and in good standing. 360 Mortgage requires that Lenders meet a minimum net worth requirement of $2.5 million to be eligible to sell this Program. Lenders should contact Priscilla Bohot at (512)418-6094 or <a href=\"mailto:pbohot@360mortgage.com\">pbohot@360mortgage.com</a> to inquire about becoming a participating lender. If you do not meet this requirement, please contact Dena Sherrill at <a href=\"mailto:dsherrill@reiok.org\">dsherrill@reiok.org</a> or Jeremy Layman at <a href=\"mailto:jlayman@reiok.org\">jlayman@reiok.org</a>.\r\n\r\n<strong>Program Highlights:</strong>\r\n\r\n<strong>Structure:</strong> This is a first and second mortgage program that are packaged together. The first mortgage loan is a 30 year fixed rate 95% My Community Mortgage and the second mortgage is utilized to pay the down payment, closing or mortgage insurance premiums associated with the first mortgage.\r\n\r\n<strong>Second Mortgage:</strong> The second mortgage is sized at 5% of the total first mortgage loan amount. The second mortgage is a 20 year fixed rate mortgage with an interest rate of 6.00%. There is no pre-payment penalties on the second mortgage. Borrower may be reimbursed for their earnest money and prepaid expenses.\r\n\r\n<strong>Interest rates:</strong> Multiple choices of Mortgage Loan Rates will be posted daily by 360 Mortgage. Rates are subject to change and confirmation by 360 Mortgage.\r\n\r\n<strong>Income Limits:</strong> The Borrower\'s <strong>qualifying </strong>income must not exceed Program Income Limits.  Click on Area Median Income below to view income limits.\r\n\r\n<strong>Borrower Investment:</strong> Minimum borrower investment of 15, which must be derived from verified assets.\r\n\r\n<strong>Credit Score:</strong> Minimum credit score of 660.\r\n\r\n<strong>Maximum DTI:</strong> 45%\r\n\r\n<strong>Mortgage Insurance:</strong> MCM 95 loans require 16% charter coverage. MI coverage rates should match the MI coverage recommended by AUS and are subject to change. Lenders may select from the various monthly, split and single “lender paid” MI premium plans available, subject to mortgage insurer terms and conditions. Upfront single or split premiums may be funded by the Second Loan proceeds or from any available rebate pricing, as reflected in the daily rate sheet, or from a Seller’s concession.\r\n\r\n<strong>We are currently working with the following MI companies:</strong> Genworth, MGIC, and National MI. You must follow the MI companies HFA guidelines.\r\n\r\n<strong>First Time Home Buyer:</strong> No first-time home buyer requirement.\r\n\r\n<strong>Home Buyer Education:</strong> If all borrowers are first-time home buyers, at least one borrower must complete pre-purchase home-buyer education and counseling.\r\n\r\n<strong>Lender Compensation, Fees, and Purchase:</strong> Please review the Program Guidelines for compensation, loan fees, and purchase requirements.\r\n\r\n<strong>Forms:</strong>\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/03/2014-Area-Median-Incomes-Choice-100-Program2.pdf\" target=\"_blank\">2014 Area Median Incomes - Choice100 Programs</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/09/MORTGAGORS-AGREEMENT-DISCLOSURE-FORM.pdf\">Mortgagors Agreement &amp; Disclosure Form</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/08/Program-Guidelines-choice-100.pdf\">Program Guidelines Choice100</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/09/SECOND-LIEN-RIDER.pdf\">Second Lien Rider</a></li>\r\n</ul>', 'REI Choice100 Program', '', 'inherit', 'open', 'open', '', '217-revision-v1', '', '', '2014-05-28 14:09:43', '2014-05-28 14:09:43', '', 217, 'http://reidownpayment.org/217-revision-v1/', 0, 'revision', '', 0),
(483, 2, '2014-05-28 14:10:40', '2014-05-28 14:10:40', '<strong>REI CHOICE100 PROGRAM</strong> - Down Payment and Closing Cost Assistance - Fannie Mae My Community Mortgage Loans. <strong>REI Oklahoma is QM/ATR Exempt.</strong>\r\n\r\nThe REI Choice100 program is just that, it provides you with numerous choices and types of assistance for your borrowers. The program is utilized with Fannie Mae\'s 95% My Community Mortgage loan. We have structured the program to provide the borrower with a second mortgage of 5% along with the choice to pay a higher interest rate and receive  additional 2% assistance which can be used to fund split or single premium mortgage insurance. As the borrower\'s lender, you can advise them of the different choices available to them and what will be best for their situation.\r\n\r\nThis program can also be used for a rate/term refinance of existing loans. Any loan that is refinanced must prove a demonstrable benefit to the borrower (i.e. lower payments or interest rates). Cash out refinances are not eligible.\r\n\r\nPlease review Program Guidelines for more detailed information, below are some highlights of the program.\r\n\r\n<strong>Eligible Lenders:</strong> Lenders must be approved as a 360 Mortgage Delegated Correspondent Lender, or Broker, and in good standing. Lenders should contact Priscilla Bohot at (512)418-6094 or <a href=\"mailto:pbohot@360mortgage.com\">pbohot@360mortgage.com</a> to inquire about becoming a participating lender. You can also contact Dena Sherrill at <a href=\"mailto:dsherrill@reiok.org\">dsherrill@reiok.org</a> or Jeremy Layman at <a href=\"mailto:jlayman@reiok.org\">jlayman@reiok.org</a>.\r\n\r\n<strong>Program Highlights:</strong>\r\n\r\n<strong>Structure:</strong> This is a first and second mortgage program that are packaged together. The first mortgage loan is a 30 year fixed rate 95% My Community Mortgage and the second mortgage is utilized to pay the down payment, closing or mortgage insurance premiums associated with the first mortgage.\r\n\r\n<strong>Second Mortgage:</strong> The second mortgage is sized at 5% of the total first mortgage loan amount. The second mortgage is a 20 year fixed rate mortgage with an interest rate of 6.00%. There is no pre-payment penalties on the second mortgage. Borrower may be reimbursed for their earnest money and prepaid expenses.\r\n\r\n<strong>Interest rates:</strong> Multiple choices of Mortgage Loan Rates will be posted daily by 360 Mortgage. Rates are subject to change and confirmation by 360 Mortgage.\r\n\r\n<strong>Income Limits:</strong> The Borrower\'s <strong>qualifying </strong>income must not exceed Program Income Limits.  Click on Area Median Income below to view income limits.\r\n\r\n<strong>Borrower Investment:</strong> Minimum borrower investment of 15, which must be derived from verified assets.\r\n\r\n<strong>Credit Score:</strong> Minimum credit score of 660.\r\n\r\n<strong>Maximum DTI:</strong> 45%\r\n\r\n<strong>Mortgage Insurance:</strong> MCM 95 loans require 16% charter coverage. MI coverage rates should match the MI coverage recommended by AUS and are subject to change. Lenders may select from the various monthly, split and single “lender paid” MI premium plans available, subject to mortgage insurer terms and conditions. Upfront single or split premiums may be funded by the Second Loan proceeds or from any available rebate pricing, as reflected in the daily rate sheet, or from a Seller’s concession.\r\n\r\n<strong>We are currently working with the following MI companies:</strong> Genworth, MGIC, and National MI. You must follow the MI companies HFA guidelines.\r\n\r\n<strong>First Time Home Buyer:</strong> No first-time home buyer requirement.\r\n\r\n<strong>Home Buyer Education:</strong> If all borrowers are first-time home buyers, at least one borrower must complete pre-purchase home-buyer education and counseling.\r\n\r\n<strong>Lender Compensation, Fees, and Purchase:</strong> Please review the Program Guidelines for compensation, loan fees, and purchase requirements.\r\n\r\n<strong>Forms:</strong>\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/03/2014-Area-Median-Incomes-Choice-100-Program2.pdf\" target=\"_blank\">2014 Area Median Incomes - Choice100 Programs</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/09/MORTGAGORS-AGREEMENT-DISCLOSURE-FORM.pdf\">Mortgagors Agreement &amp; Disclosure Form</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/08/Program-Guidelines-choice-100.pdf\">Program Guidelines Choice100</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/09/SECOND-LIEN-RIDER.pdf\">Second Lien Rider</a></li>\r\n</ul>', 'REI Choice100 Program', '', 'inherit', 'open', 'open', '', '217-revision-v1', '', '', '2014-05-28 14:10:40', '2014-05-28 14:10:40', '', 217, 'http://reidownpayment.org/217-revision-v1/', 0, 'revision', '', 0),
(484, 2, '2014-05-28 14:15:08', '2014-05-28 14:15:08', '<strong>REI CHOICE100 PROGRAM</strong> - Down Payment and Closing Cost Assistance - Fannie Mae My Community Mortgage Loans. <strong>REI Oklahoma is QM/ATR Exempt.</strong>\r\n\r\nThe REI Choice100 program is just that, it provides you with numerous choices and types of assistance for your borrowers. The program is utilized with Fannie Mae\'s 95% My Community Mortgage loan. We have structured the program to provide the borrower with a second mortgage of 5% along with the choice to pay a higher interest rate and receive  additional 2% assistance which can be used to fund split or single premium mortgage insurance. As the borrower\'s lender, you can advise them of the different choices available to them and what will be best for their situation.\r\n\r\nThis program can also be used for a rate/term refinance of existing loans. Any loan that is refinanced must prove a demonstrable benefit to the borrower (i.e. lower payments or interest rates). Cash out refinances are not eligible.\r\n\r\nPlease review Program Guidelines for more detailed information, below are some highlights of the program.\r\n\r\n<strong>Eligible Lenders:</strong> Lenders must be approved as a 360 Mortgage Delegated Correspondent Lender, or Broker, and in good standing. Lenders should contact Priscilla Bohot at (512)418-6094 or <a href=\"mailto:pbohot@360mortgage.com\">pbohot@360mortgage.com</a> to inquire about becoming a participating lender. You can also contact Dena Sherrill at <a href=\"mailto:dsherrill@reiok.org\">dsherrill@reiok.org</a> or Jeremy Layman at <a href=\"mailto:jlayman@reiok.org\">jlayman@reiok.org</a>.\r\n\r\n<strong>Program Highlights:</strong>\r\n\r\n<strong>Structure:</strong> This is a first and second mortgage program that are packaged together. The first mortgage loan is a 30 year fixed rate 95% My Community Mortgage and the second mortgage is utilized to pay the down payment, closing costs, or single or split mortgage insurance premiums associated with the first mortgage.\r\n\r\n<strong>Second Mortgage:</strong> The second mortgage is sized at 5% of the total first mortgage loan amount. The second mortgage is a 20 year fixed rate mortgage with an interest rate of 6.00%. There is no pre-payment penalties on the second mortgage. Borrower may be reimbursed for their earnest money and prepaid expenses.\r\n\r\n<strong>Interest rates:</strong> Multiple choices of Mortgage Loan Rates will be posted daily by 360 Mortgage. Rates are subject to change and confirmation by 360 Mortgage.\r\n\r\n<strong>Income Limits:</strong> The Borrower\'s <strong>qualifying </strong>income must not exceed Program Income Limits.  Click on Area Median Income below to view income limits.\r\n\r\n<strong>Borrower Investment:</strong> Minimum borrower investment of 1%, which must be derived from verified assets.\r\n\r\n<strong>Credit Score:</strong> Minimum credit score of 660, or per MI Guidelines\r\n\r\n<strong>Maximum DTI:</strong> 45%\r\n\r\n<strong>Mortgage Insurance:</strong> MCM 95 loans require 16% charter coverage. MI coverage rates should match the MI coverage recommended by AUS and are subject to change. Lenders may select from the various monthly, split and single “lender paid” MI premium plans available, subject to mortgage insurer terms and conditions. Upfront single or split premiums may be funded by the Second Loan proceeds or from any available rebate pricing, as reflected in the daily rate sheet, or from a Seller’s concession.\r\n\r\n<strong>We are currently working with the following MI companies:</strong> Genworth, MGIC, United Guaranty, Essent Guaranty, and National MI. You must follow the MI companies HFA guidelines.\r\n\r\n<strong>First Time Home Buyer:</strong> No first-time home buyer requirement.\r\n\r\n<strong>Home Buyer Education:</strong> If all borrowers are first-time home buyers, at least one borrower must complete pre-purchase home-buyer education and counseling. Oklahoma Homebuyer Education Association (OHEA) Certified instructors and HUD Certified instructors are eligible Homebuyer Education providers.\r\n\r\n<strong>Lender Compensation, Fees, and Purchase:</strong> Please review the Program Guidelines for compensation, loan fees, and purchase requirements.\r\n\r\n<strong>Forms:</strong>\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/03/2014-Area-Median-Incomes-Choice-100-Program2.pdf\" target=\"_blank\">2014 Area Median Incomes - Choice100 Programs</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/09/MORTGAGORS-AGREEMENT-DISCLOSURE-FORM.pdf\">Mortgagors Agreement &amp; Disclosure Form</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/08/Program-Guidelines-choice-100.pdf\">Program Guidelines Choice100</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/09/SECOND-LIEN-RIDER.pdf\">Second Lien Rider</a></li>\r\n</ul>', 'REI Choice100 Program', '', 'inherit', 'open', 'open', '', '217-revision-v1', '', '', '2014-05-28 14:15:08', '2014-05-28 14:15:08', '', 217, 'http://reidownpayment.org/217-revision-v1/', 0, 'revision', '', 0),
(485, 2, '2014-05-28 14:16:23', '2014-05-28 14:16:23', '', 'Program Guidelines', '', 'inherit', 'open', 'open', '', 'program-guidelines', '', '', '2014-05-28 14:16:23', '2014-05-28 14:16:23', '', 0, 'http://reidownpayment.org/wp/wp-content/uploads/2014/05/Program-Guidelines.pdf', 0, 'attachment', 'application/pdf', 0),
(487, 2, '2014-05-28 14:21:23', '2014-05-28 14:21:23', '<strong>REI CHOICE100 PROGRAM</strong> - Down Payment and Closing Cost Assistance - Fannie Mae My Community Mortgage Loans. <strong>REI Oklahoma is QM/ATR Exempt.</strong>\r\n\r\nThe REI Choice100 program is just that, it provides you with numerous choices and types of assistance for your borrowers. The program is utilized with Fannie Mae\'s 95% My Community Mortgage loan. We have structured the program to provide the borrower with a second mortgage of 5% along with the choice to pay a higher interest rate and receive  additional 2% assistance which can be used to fund split or single premium mortgage insurance. As the borrower\'s lender, you can advise them of the different choices available to them and what will be best for their situation.\r\n\r\nThis program can also be used for a rate/term refinance of existing loans. Any loan that is refinanced must prove a demonstrable benefit to the borrower (i.e. lower payments or interest rates). Cash out refinances are not eligible.\r\n\r\nPlease review Program Guidelines for more detailed information, below are some highlights of the program.\r\n\r\n<strong>Eligible Lenders:</strong> Lenders must be approved as a 360 Mortgage Delegated Correspondent Lender, or Broker, and in good standing. Lenders should contact Priscilla Bohot at (512)418-6094 or <a href=\"mailto:pbohot@360mortgage.com\">pbohot@360mortgage.com</a> to inquire about becoming a participating lender. You can also contact Dena Sherrill at <a href=\"mailto:dsherrill@reiok.org\">dsherrill@reiok.org</a> or Jeremy Layman at <a href=\"mailto:jlayman@reiok.org\">jlayman@reiok.org</a>.\r\n\r\n<strong>Program Highlights:</strong>\r\n\r\n<strong>Structure:</strong> This is a first and second mortgage program that are packaged together. The first mortgage loan is a 30 year fixed rate 95% My Community Mortgage and the second mortgage is utilized to pay the down payment, closing costs, or single or split mortgage insurance premiums associated with the first mortgage.\r\n\r\n<strong>Second Mortgage:</strong> The second mortgage is sized at 5% of the total first mortgage loan amount. The second mortgage is a 20 year fixed rate mortgage with an interest rate of 6.00%. There is no pre-payment penalties on the second mortgage. Borrower may be reimbursed for their earnest money and prepaid expenses.\r\n\r\n<strong>Interest rates:</strong> Multiple choices of Mortgage Loan Rates will be posted daily by 360 Mortgage. Rates are subject to change and confirmation by 360 Mortgage.\r\n\r\n<strong>Income Limits:</strong> The Borrower\'s <strong>qualifying </strong>income must not exceed Program Income Limits.  Click on Area Median Income below to view income limits.\r\n\r\n<strong>Borrower Investment:</strong> Minimum borrower investment of 1%, which must be derived from verified assets.\r\n\r\n<strong>Credit Score:</strong> Minimum credit score of 660, or per MI Guidelines\r\n\r\n<strong>Maximum DTI:</strong> 45%\r\n\r\n<strong>Mortgage Insurance:</strong> MCM 95 loans require 16% charter coverage. MI coverage rates should match the MI coverage recommended by AUS and are subject to change. Lenders may select from the various monthly, split and single “lender paid” MI premium plans available, subject to mortgage insurer terms and conditions. Upfront single or split premiums may be funded by the Second Loan proceeds or from any available rebate pricing, as reflected in the daily rate sheet, or from a Seller’s concession.\r\n\r\n<strong>We are currently working with the following MI companies:</strong> Genworth, MGIC, United Guaranty, Essent Guaranty, and National MI. You must follow the MI companies HFA guidelines.\r\n\r\n<strong>First Time Home Buyer:</strong> No first-time home buyer requirement.\r\n\r\n<strong>Home Buyer Education:</strong> If all borrowers are first-time home buyers, at least one borrower must complete pre-purchase home-buyer education and counseling. Oklahoma Homebuyer Education Association (OHEA) Certified instructors and HUD Certified instructors are eligible Homebuyer Education providers.\r\n\r\n<strong>Lender Compensation, Fees, and Purchase:</strong> Please review the Program Guidelines for compensation, loan fees, and purchase requirements.\r\n\r\n<strong>Forms:</strong>\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/05/2014-Area-Median-Incomes-Choice-100-Program.pdf\" target=\"_blank\">2014 Area Median Incomes - Choice100 Program</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/09/MORTGAGORS-AGREEMENT-DISCLOSURE-FORM.pdf\">Mortgagors Agreement &amp; Disclosure Form</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/05/Program-Guidelines.pdf\" target=\"_blank\">Program Guidelines Choice100</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/09/SECOND-LIEN-RIDER.pdf\">Second Lien Rider</a></li>\r\n</ul>', 'REI Choice100 Program', '', 'inherit', 'open', 'open', '', '217-revision-v1', '', '', '2014-05-28 14:21:23', '2014-05-28 14:21:23', '', 217, 'http://reidownpayment.org/217-revision-v1/', 0, 'revision', '', 0),
(488, 2, '2014-05-28 14:23:58', '2014-05-28 14:23:58', '', 'REI Gift100 Program Summary 14 05 20', '', 'inherit', 'open', 'open', '', 'rei-gift100-program-summary-14-05-20', '', '', '2014-05-28 14:23:58', '2014-05-28 14:23:58', '', 0, 'http://reidownpayment.org/wp/wp-content/uploads/2014/05/REI-Gift100-Program-Summary-14-05-20.pdf', 0, 'attachment', 'application/pdf', 0),
(489, 2, '2014-05-28 14:27:46', '2014-05-28 14:27:46', '<b>REI GIFT100 PROGRAM</b>\r\n\r\nREI Down Payment Assistance invests in Oklahoma’s future by providing housing opportunities to low income individuals and families.  The new statewide REI Gift100 Program provides a competitive first mortgage and down payment and closing cost assistance to eligible mortgagors. The down payment is in the form of a gift, second liens or deed restrictions are not required for this program. <strong>REI Oklahoma is QM/ATR Exempt.</strong>\r\n\r\nThe program includes the following loan types:\r\n<ul>\r\n	<li>FHA – 203(b), 234(c) &amp; 203ks (lenders must have an additional approval from U.S. Bank to originate 203ks loans) – 30 year fixed rate</li>\r\n	<li>VA – 203(b) &amp; 234(c) – 30 year fixed rate</li>\r\n	<li>Rural Housing Guaranteed Loan – 30 year fixed rate</li>\r\n	<li>HUD Section 184 – 30 year fixed rate</li>\r\n</ul>\r\nRate/term refinance on any of the above loan products.<strong>\r\n</strong>\r\n\r\n<strong>Lenders:</strong> Lenders must be approved by U.S. Bank to participate in the REI Gift100 program.  Interested lenders should contact U.S. Bank Help desk at 1-800-562-5165 or <a href=\"mailto:mrbp.helpdesk@usbank.com\" target=\"_blank\">mrbp.helpdesk@usbank.com</a>.  You can also contact Dena Sherrill, Housing Program Manager, REI Down Payment Assistance at 1-800-658-2823 or <a href=\"mailto:dsherrill@reiok.org\" target=\"_blank\">dsherrill@reiok.org</a> or Jeremy Layman, Housing Program Specialist at <a href=\"mailto:jlayman@reiok.org\" target=\"_blank\">jlayman@reiok.org</a>.\r\n<p align=\"center\"><b>***Third Party Origination is not allowed***</b></p>\r\n <strong>Program Highlights</strong>\r\n\r\n<strong>Structure:</strong> Up to 4.5% of the total loan amount in the form of a gift. The funds may be used to fund up to 100% of the Borrower\'s cash requirement to close, including the down payment, closing costs, pre-paid items and other related Mortgage Loan fees and expenses.  No portion of the gift funds can be paid to the Borrower unless the Borrower is being reimbursed for an overage of his/her earnest money deposit to the extent the minimum Borrower contribution has been satisfied.  Under the rate/term refinance option, any funds above the amount needed to pay the Borrower\'s loan related costs must be used to reduce the principal amount of the First Mortgage loan.\r\n\r\n<b>First Mortgage Origination Fee:  </b>Usual and customary as allowed by First Mortgage loan program.\r\n\r\n<strong>Interest rates:</strong> REI Down Payment Assistance will post First Mortgage interest rates by 9:00 a.m. C.S.T. daily on the Lender Portal at <a href=\"http://www.reigift100.org/\">www.reigift100.org</a>.  All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock  One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>15 days is 0.1875%</li>\r\n	<li>30 days is 0.375%</li>\r\n</ul>\r\n<p align=\"center\"><b>***Rates can be subject to intra-day pricing changes***</b></p>\r\n<strong>Income Limits:</strong> FHA, VA, &amp; HUD 184 - The Borrower\'s <strong>qualifying </strong>income must not exceed Program Income Limits.  Click on Area Median Income below to view income limits.  They can also be found in the Lender Portal at <a href=\"http://www.reigift100.org/\" target=\"_blank\">www.reigift100.org</a>.\r\n\r\nRural Development Loans - Income is based on Adjusted Household Income per Rural Development\'s Guidelines.  Income limits can be found by <a href=\"http://www.rurdev.usda.gov/SupportDocuments/OK%20GRH.pdf\" target=\"_blank\">clicking here</a>.\r\n\r\n<b>***Lenders will be responsible for ensuring that the income meets program guidelines.***</b>\r\n\r\n<strong>Credit Score:</strong> Minimum credit score of 640.\r\n\r\n<strong>Maximum DTI:</strong> 45%\r\n\r\n<strong>First Time Home Buyer:</strong> No first-time home buyer requirement.\r\n\r\n<strong>Home Buyer Education:</strong> Recommended but not required.\r\n\r\n<strong>Lender Compensation, Fees, and Purchase:</strong> Please review the Program Summary and Program Guidelines below for compensation, loan fees, and purchase requirements.  These documents can also be found on the Lender Portal at <a href=\"http://www.reigift100.org/\" target=\"_blank\">www.reigift100.org</a>.\r\n<ul>\r\n<ul>\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/04/2014-Area-Median-Incomes-Gift-100-Program.pdf\" target=\"_blank\"><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/05/REI-Gift100-Program-Summary-14-05-20.pdf\" target=\"_blank\">REI Gift100 Program Summary</a></a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/04/2014-Area-Median-Incomes-Gift-100-Program.pdf\" target=\"_blank\">2014 Area Median Income - Gift100 Program</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/04/REI-Gift100-Guidelines.pdf\" target=\"_blank\">REI Gift100 Guidelines</a></li>\r\n	<li><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a></li>\r\n</ul>\r\n</ul>\r\n</ul>', 'REI Gift100 Program', '', 'inherit', 'open', 'open', '', '431-revision-v1', '', '', '2014-05-28 14:27:46', '2014-05-28 14:27:46', '', 431, 'http://reidownpayment.org/431-revision-v1/', 0, 'revision', '', 0),
(490, 2, '2014-05-28 14:33:45', '2014-05-28 14:33:45', '<b>REI GIFT100 PROGRAM</b>\r\n\r\nREI Down Payment Assistance invests in Oklahoma’s future by providing housing opportunities to low income individuals and families.  The new statewide REI Gift100 Program provides a competitive first mortgage and down payment and closing cost assistance to eligible mortgagors. The down payment is in the form of a gift, second liens or deed restrictions are not required for this program. <strong>REI Oklahoma is QM/ATR Exempt.</strong>\r\n\r\nThe program includes the following loan types:\r\n<ul>\r\n	<li>FHA – 203(b), 234(c) &amp; 203ks (lenders must have an additional approval from U.S. Bank to originate 203ks loans) – 30 year fixed rate</li>\r\n	<li>VA – 203(b) &amp; 234(c) – 30 year fixed rate</li>\r\n	<li>Rural Housing Guaranteed Loan – 30 year fixed rate</li>\r\n	<li>HUD Section 184 – 30 year fixed rate</li>\r\n</ul>\r\nRate/term refinance on any of the above loan products.<strong>\r\n</strong>\r\n\r\n<strong>Lenders:</strong> Lenders must be approved by U.S. Bank to participate in the REI Gift100 program.  Interested lenders should contact U.S. Bank Help desk at 1-800-562-5165 or <a href=\"mailto:mrbp.helpdesk@usbank.com\" target=\"_blank\">mrbp.helpdesk@usbank.com</a>.  You can also contact Dena Sherrill, Housing Program Manager, REI Down Payment Assistance at 1-800-658-2823 or <a href=\"mailto:dsherrill@reiok.org\" target=\"_blank\">dsherrill@reiok.org</a> or Jeremy Layman, Housing Program Specialist at <a href=\"mailto:jlayman@reiok.org\" target=\"_blank\">jlayman@reiok.org</a>.\r\n<p align=\"center\"><b>***Third Party Origination is not allowed***</b></p>\r\n <strong>Program Highlights</strong>\r\n\r\n<strong>Structure:</strong> Up to 4.5% of the total loan amount in the form of a gift. The funds may be used to fund up to 100% of the Borrower\'s cash requirement to close, including the down payment, closing costs, pre-paid items and other related Mortgage Loan fees and expenses.  No portion of the gift funds can be paid to the Borrower unless the Borrower is being reimbursed for an overage of his/her earnest money deposit to the extent the minimum Borrower contribution has been satisfied.  Under the rate/term refinance option, any funds above the amount needed to pay the Borrower\'s loan related costs must be used to reduce the principal amount of the First Mortgage loan.\r\n\r\n<b>First Mortgage Origination Fee:  </b>Usual and customary as allowed by First Mortgage loan program.\r\n\r\n<strong>Interest rates:</strong> REI Down Payment Assistance will post First Mortgage interest rates by 9:00 a.m. C.S.T. daily on the Lender Portal at <a href=\"http://www.reigift100.org/\">www.reigift100.org</a>.  All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock  One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>15 days is 0.1875%</li>\r\n	<li>30 days is 0.375%</li>\r\n</ul>\r\n<p align=\"center\"><b>***Rates can be subject to intra-day pricing changes***</b></p>\r\n<strong>Income Limits:</strong> FHA, VA, &amp; HUD 184 - The Borrower\'s <strong>qualifying </strong>income must not exceed Program Income Limits.  Click on Area Median Income below to view income limits.  They can also be found in the Lender Portal at <a href=\"http://www.reigift100.org/\" target=\"_blank\">www.reigift100.org</a>.\r\n\r\nRural Development Loans - Income is based on Adjusted Household Income per Rural Development\'s Guidelines.  Income limits can be found by <a href=\"http://www.rurdev.usda.gov/SupportDocuments/OK%20GRH.pdf\" target=\"_blank\">clicking here</a>.\r\n\r\n<b>***Lenders will be responsible for ensuring that the income meets program guidelines.***</b>\r\n\r\n<strong>Credit Score:</strong> Minimum credit score of 640.\r\n\r\n<strong>Maximum DTI:</strong> 45%\r\n\r\n<strong>First Time Home Buyer:</strong> No first-time home buyer requirement.\r\n\r\n<strong>Home Buyer Education:</strong> Recommended but not required.\r\n\r\n<strong>Lender Compensation, Fees, and Purchase:</strong> Please review the Program Summary and Program Guidelines below for compensation, loan fees, and purchase requirements.  These documents can also be found on the Lender Portal at <a href=\"http://www.reigift100.org/\" target=\"_blank\">www.reigift100.org</a>.\r\n\r\nForms:\r\n<ul>\r\n<ul>\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/05/REI-Gift100-Program-Summary-14-05-20.pdf\" target=\"_blank\">REI Gift100 Program Summary</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/04/2014-Area-Median-Incomes-Gift-100-Program.pdf\" target=\"_blank\">2014 Area Median Income - Gift100 Program</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/04/REI-Gift100-Guidelines.pdf\" target=\"_blank\">REI Gift100 Guidelines</a></li>\r\n	<li><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a></li>\r\n</ul>\r\n</ul>\r\n</ul>\r\nUS Bank Forms &amp; Bulletins:\r\n\r\n&nbsp;', 'REI Gift100 Program', '', 'inherit', 'open', 'open', '', '431-revision-v1', '', '', '2014-05-28 14:33:45', '2014-05-28 14:33:45', '', 431, 'http://reidownpayment.org/431-revision-v1/', 0, 'revision', '', 0),
(491, 2, '2014-05-28 14:34:58', '2014-05-28 14:34:58', '<b>REI GIFT100 PROGRAM</b>\r\n\r\nREI Down Payment Assistance invests in Oklahoma’s future by providing housing opportunities to low income individuals and families.  The new statewide REI Gift100 Program provides a competitive first mortgage and down payment and closing cost assistance to eligible mortgagors. The down payment is in the form of a gift, second liens or deed restrictions are not required for this program. <strong>REI Oklahoma is QM/ATR Exempt.</strong>\r\n\r\nThe program includes the following loan types:\r\n<ul>\r\n	<li>FHA – 203(b), 234(c) &amp; 203ks (lenders must have an additional approval from U.S. Bank to originate 203ks loans) – 30 year fixed rate</li>\r\n	<li>VA – 203(b) &amp; 234(c) – 30 year fixed rate</li>\r\n	<li>Rural Housing Guaranteed Loan – 30 year fixed rate</li>\r\n	<li>HUD Section 184 – 30 year fixed rate</li>\r\n</ul>\r\nRate/term refinance on any of the above loan products.<strong>\r\n</strong>\r\n\r\n<strong>Lenders:</strong> Lenders must be approved by U.S. Bank to participate in the REI Gift100 program.  Interested lenders should contact U.S. Bank Help desk at 1-800-562-5165 or <a href=\"mailto:mrbp.helpdesk@usbank.com\" target=\"_blank\">mrbp.helpdesk@usbank.com</a>.  You can also contact Dena Sherrill, Housing Program Manager, REI Down Payment Assistance at 1-800-658-2823 or <a href=\"mailto:dsherrill@reiok.org\" target=\"_blank\">dsherrill@reiok.org</a> or Jeremy Layman, Housing Program Specialist at <a href=\"mailto:jlayman@reiok.org\" target=\"_blank\">jlayman@reiok.org</a>.\r\n<p align=\"center\"><b>***Third Party Origination is not allowed***</b></p>\r\n <strong>Program Highlights</strong>\r\n\r\n<strong>Structure:</strong> Up to 4.5% of the total loan amount in the form of a gift. The funds may be used to fund up to 100% of the Borrower\'s cash requirement to close, including the down payment, closing costs, pre-paid items and other related Mortgage Loan fees and expenses.  No portion of the gift funds can be paid to the Borrower unless the Borrower is being reimbursed for an overage of his/her earnest money deposit to the extent the minimum Borrower contribution has been satisfied.  Under the rate/term refinance option, any funds above the amount needed to pay the Borrower\'s loan related costs must be used to reduce the principal amount of the First Mortgage loan.\r\n\r\n<b>First Mortgage Origination Fee:  </b>Usual and customary as allowed by First Mortgage loan program.\r\n\r\n<strong>Interest rates:</strong> REI Down Payment Assistance will post First Mortgage interest rates by 9:00 a.m. C.S.T. daily on the Lender Portal at <a href=\"http://www.reigift100.org/\">www.reigift100.org</a>.  All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock  One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>15 days is 0.1875%</li>\r\n	<li>30 days is 0.375%</li>\r\n</ul>\r\n<p align=\"center\"><b>***Rates can be subject to intra-day pricing changes***</b></p>\r\n<strong>Income Limits:</strong> FHA, VA, &amp; HUD 184 - The Borrower\'s <strong>qualifying </strong>income must not exceed Program Income Limits.  Click on Area Median Income below to view income limits.  They can also be found in the Lender Portal at <a href=\"http://www.reigift100.org/\" target=\"_blank\">www.reigift100.org</a>.\r\n\r\nRural Development Loans - Income is based on Adjusted Household Income per Rural Development\'s Guidelines.  Income limits can be found by <a href=\"http://www.rurdev.usda.gov/SupportDocuments/OK%20GRH.pdf\" target=\"_blank\">clicking here</a>.\r\n\r\n<b>***Lenders will be responsible for ensuring that the income meets program guidelines.***</b>\r\n\r\n<strong>Credit Score:</strong> Minimum credit score of 640.\r\n\r\n<strong>Maximum DTI:</strong> 45%\r\n\r\n<strong>First Time Home Buyer:</strong> No first-time home buyer requirement.\r\n\r\n<strong>Home Buyer Education:</strong> Recommended but not required.\r\n\r\n<strong>Lender Compensation, Fees, and Purchase:</strong> Please review the Program Summary and Program Guidelines below for compensation, loan fees, and purchase requirements.  These documents can also be found on the Lender Portal at <a href=\"http://www.reigift100.org/\" target=\"_blank\">www.reigift100.org</a>.\r\n\r\n<strong>Forms:</strong>\r\n<ul>\r\n<ul>\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/05/REI-Gift100-Program-Summary-14-05-20.pdf\" target=\"_blank\">REI Gift100 Program Summary</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/04/2014-Area-Median-Incomes-Gift-100-Program.pdf\" target=\"_blank\">2014 Area Median Income - Gift100 Program</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/04/REI-Gift100-Guidelines.pdf\" target=\"_blank\">REI Gift100 Guidelines</a></li>\r\n	<li><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a></li>\r\n</ul>\r\n</ul>\r\n</ul>\r\n<strong>US Bank Forms &amp; Bulletins:</strong>\r\n<ul>\r\n	<li>Down Payment Assistance Form</li>\r\n	<li>Delivery Checklist Form</li>\r\n	<li>Funding Fee Increase Bulletin 2014-37</li>\r\n	<li>Loan Review Process Bulletin 2014-26</li>\r\n</ul>', 'REI Gift100 Program', '', 'inherit', 'open', 'open', '', '431-revision-v1', '', '', '2014-05-28 14:34:58', '2014-05-28 14:34:58', '', 431, 'http://reidownpayment.org/431-revision-v1/', 0, 'revision', '', 0),
(492, 2, '2014-05-28 14:35:23', '2014-05-28 14:35:23', '<b>REI GIFT100 PROGRAM</b>\r\n\r\nREI Down Payment Assistance invests in Oklahoma’s future by providing housing opportunities to low income individuals and families.  The new statewide REI Gift100 Program provides a competitive first mortgage and down payment and closing cost assistance to eligible mortgagors. The down payment is in the form of a gift, second liens or deed restrictions are not required for this program. <strong>REI Oklahoma is QM/ATR Exempt.</strong>\r\n\r\nThe program includes the following loan types:\r\n<ul>\r\n	<li>FHA – 203(b), 234(c) &amp; 203ks (lenders must have an additional approval from U.S. Bank to originate 203ks loans) – 30 year fixed rate</li>\r\n	<li>VA – 203(b) &amp; 234(c) – 30 year fixed rate</li>\r\n	<li>Rural Housing Guaranteed Loan – 30 year fixed rate</li>\r\n	<li>HUD Section 184 – 30 year fixed rate</li>\r\n</ul>\r\nRate/term refinance on any of the above loan products.<strong>\r\n</strong>\r\n\r\n<strong>Lenders:</strong> Lenders must be approved by U.S. Bank to participate in the REI Gift100 program.  Interested lenders should contact U.S. Bank Help desk at 1-800-562-5165 or <a href=\"mailto:mrbp.helpdesk@usbank.com\" target=\"_blank\">mrbp.helpdesk@usbank.com</a>.  You can also contact Dena Sherrill, Housing Program Manager, REI Down Payment Assistance at 1-800-658-2823 or <a href=\"mailto:dsherrill@reiok.org\" target=\"_blank\">dsherrill@reiok.org</a> or Jeremy Layman, Housing Program Specialist at <a href=\"mailto:jlayman@reiok.org\" target=\"_blank\">jlayman@reiok.org</a>.\r\n<p align=\"center\"><b>***Third Party Origination is not allowed***</b></p>\r\n <strong>Program Highlights</strong>\r\n\r\n<strong>Structure:</strong> Up to 4.5% of the total loan amount in the form of a gift. The funds may be used to fund up to 100% of the Borrower\'s cash requirement to close, including the down payment, closing costs, pre-paid items and other related Mortgage Loan fees and expenses.  No portion of the gift funds can be paid to the Borrower unless the Borrower is being reimbursed for an overage of his/her earnest money deposit to the extent the minimum Borrower contribution has been satisfied.  Under the rate/term refinance option, any funds above the amount needed to pay the Borrower\'s loan related costs must be used to reduce the principal amount of the First Mortgage loan.\r\n\r\n<b>First Mortgage Origination Fee:  </b>Usual and customary as allowed by First Mortgage loan program.\r\n\r\n<strong>Interest rates:</strong> REI Down Payment Assistance will post First Mortgage interest rates by 9:00 a.m. C.S.T. daily on the Lender Portal at <a href=\"http://www.reigift100.org/\">www.reigift100.org</a>.  All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock  One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>15 days is 0.1875%</li>\r\n	<li>30 days is 0.375%</li>\r\n</ul>\r\n<p align=\"center\"><b>***Rates can be subject to intra-day pricing changes***</b></p>\r\n<strong>Income Limits:</strong> FHA, VA, &amp; HUD 184 - The Borrower\'s <strong>qualifying </strong>income must not exceed Program Income Limits.  Click on Area Median Income below to view income limits.  They can also be found in the Lender Portal at <a href=\"http://www.reigift100.org/\" target=\"_blank\">www.reigift100.org</a>.\r\n\r\nRural Development Loans - Income is based on Adjusted Household Income per Rural Development\'s Guidelines.  Income limits can be found by <a href=\"http://www.rurdev.usda.gov/SupportDocuments/OK%20GRH.pdf\" target=\"_blank\">clicking here</a>.\r\n\r\n<b>***Lenders will be responsible for ensuring that the income meets program guidelines.***</b>\r\n\r\n<strong>Credit Score:</strong> Minimum credit score of 640.\r\n\r\n<strong>Maximum DTI:</strong> 45%\r\n\r\n<strong>First Time Home Buyer:</strong> No first-time home buyer requirement.\r\n\r\n<strong>Home Buyer Education:</strong> Recommended but not required.\r\n\r\n<strong>Lender Compensation, Fees, and Purchase:</strong> Please review the Program Summary and Program Guidelines below for compensation, loan fees, and purchase requirements.  These documents can also be found on the Lender Portal at <a href=\"http://www.reigift100.org/\" target=\"_blank\">www.reigift100.org</a>.\r\n\r\n<strong>Forms:</strong>\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/05/REI-Gift100-Program-Summary-14-05-20.pdf\" target=\"_blank\">REI Gift100 Program Summary</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/04/2014-Area-Median-Incomes-Gift-100-Program.pdf\" target=\"_blank\">2014 Area Median Income - Gift100 Program</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/04/REI-Gift100-Guidelines.pdf\" target=\"_blank\">REI Gift100 Guidelines</a></li>\r\n	<li><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a></li>\r\n</ul>\r\n<strong>US Bank Forms &amp; Bulletins:</strong>\r\n<ul>\r\n	<li>Down Payment Assistance Form</li>\r\n	<li>Delivery Checklist Form</li>\r\n	<li>Funding Fee Increase Bulletin 2014-37</li>\r\n	<li>Loan Review Process Bulletin 2014-26</li>\r\n</ul>', 'REI Gift100 Program', '', 'inherit', 'open', 'open', '', '431-revision-v1', '', '', '2014-05-28 14:35:23', '2014-05-28 14:35:23', '', 431, 'http://reidownpayment.org/431-revision-v1/', 0, 'revision', '', 0),
(493, 2, '2014-05-28 14:35:50', '2014-05-28 14:35:50', '', 'USB 002 DPA Form', '', 'inherit', 'open', 'open', '', 'usb-002-dpa-form', '', '', '2014-05-28 14:35:50', '2014-05-28 14:35:50', '', 0, 'http://reidownpayment.org/wp/wp-content/uploads/2014/05/USB-002-DPA-Form.pdf', 0, 'attachment', 'application/pdf', 0),
(494, 2, '2014-05-28 14:36:19', '2014-05-28 14:36:19', '', 'MRBP Government Loan Delivery Checklist pg 1', '', 'inherit', 'open', 'open', '', 'mrbp-government-loan-delivery-checklist-pg-1', '', '', '2014-05-28 14:36:19', '2014-05-28 14:36:19', '', 0, 'http://reidownpayment.org/wp/wp-content/uploads/2014/05/MRBP-Government-Loan-Delivery-Checklist-pg-1.pdf', 0, 'attachment', 'application/pdf', 0),
(495, 2, '2014-05-28 14:36:56', '2014-05-28 14:36:56', '', 'MRB Funding Fee Increase 2014-37', '', 'inherit', 'open', 'open', '', 'mrb-funding-fee-increase-2014-37', '', '', '2014-05-28 14:36:56', '2014-05-28 14:36:56', '', 0, 'http://reidownpayment.org/wp/wp-content/uploads/2014/05/MRB-Funding-Fee-Increase-2014-37.pdf', 0, 'attachment', 'application/pdf', 0),
(496, 2, '2014-05-28 14:37:18', '2014-05-28 14:37:18', '', 'Loan Review Process Reminders 2014-26', '', 'inherit', 'open', 'open', '', 'loan-review-process-reminders-2014-26', '', '', '2014-05-28 14:37:18', '2014-05-28 14:37:18', '', 0, 'http://reidownpayment.org/wp/wp-content/uploads/2014/05/Loan-Review-Process-Reminders-2014-26.pdf', 0, 'attachment', 'application/pdf', 0);
