Hello,

My fiancé and I recently had a phone call with an approved REI lender (First American Mortgage) regarding a potential FHA loan and they informed us that they don't generally use the REI program for DPA because it is in the form of a 2nd mortgage. This is not the impression we got from REI's website. Could you please confirm if it is in the form of a 2nd mortgage or a gift that we're not required to pay back?

Thank you!