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
(1124, 2, '2015-12-02 19:33:53', '2015-12-02 19:33:53', '<img class=\"size-full wp-image-146 alignright\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/homebuyers-pic-1.png\" alt=\"homebuyers-pic-1\" width=\"348\" height=\"348\" />\r\n<div lang=\"EN-US\">\r\n\r\nREI Down Payment Assistance provides down payment and closing cost assistance to eligible borrowers through partnerships with lenders across the state. The programs are developed for people who have good jobs and the ability to re-pay a loan, but have not been able to save for the down payment or closing costs on a home.\r\n\r\nThe statewide REI Gift100 Program provides a competitive first mortgage and down payment/closing cost assistance to eligible mortgagors. The down payment is in the form of a gift that you are not required to pay back and there will not be second liens or deed restrictions against your property. This program can be used with the following loan types:\r\n<ul>\r\n	<li>FHA</li>\r\n	<li>VA</li>\r\n	<li>Rural Development</li>\r\n	<li>HUD Section 184</li>\r\n	<li>Fannie Mae HFA Preferred</li>\r\n</ul>\r\nRate/term refinance on any of the above loan products.\r\n\r\n<strong>Program Highlights:</strong>\r\n\r\n<strong>Structure: </strong>The funds may be used to fund up to 100% of the Borrower\'s cash requirement to close, including the down payment, closing costs, pre-paid items and other related mortgage loan fees and expenses. The following is a breakdown of the assistance available:\r\n<ul>\r\n	<li>FHA\r\n<ul>\r\n	<li>Gift of up to 5.0% of the total loan amount. The amount of assistance varies based on credit score and underwriting.</li>\r\n</ul>\r\n</li>\r\n	<li>VA, Rural Development &amp; HUD Section 184\r\n	<li>Gift of 3.5 or 5.0% of the total loan amount</li>\r\n</ul>\r\n</li>\r\n	<li>Fannie Mae HFA Preferred\r\n<ul>\r\n	<li>Gift of 3.0, 4.0, or 5.0% of the total loan amount</li>\r\n</ul>\r\n</li>\r\n</ul>\r\n<strong>Lenders:</strong> You may use the REI Gift100 approved lender of your choice. If you are using a lender that is not familiar with the program or is not approved, please have them contact Dena Sherrill, REI Down Payment Assistance Manager at 800-658-2823 or <a href=\"mailto:dsherrill@reiok.org\">dsherrill@reiok.org</a>.\r\n\r\n<strong>Income Limits:</strong> Income limits apply based on qualifying income and household size. Click on the appropriate link below for the Area Median Income requirements.\r\n\r\n<strong>Credit Score:</strong>\r\n<ul>\r\n	<li>FHA, VA, Rural Development &amp; HUD Section 184\r\n<ul>\r\n	<li><span style=\"color: #190707;\">Minimum Credit Score of 640</span></li>\r\n</ul>\r\n</li>\r\n	<li>Fannie Mae HFA Preferred &amp; Freddie Mac HFA Advantage\r\n<ul>\r\n	<li><span style=\"color: #190707;\">Loan to Value (LTV) of 95.01% - 97% - minimum credit score of 680</span></li>\r\n	<li><span style=\"color: #190707;\">Loan to Value (LTV) =&lt;95% - minimum credit score of 640</span></li>\r\n</ul>\r\n</li>\r\n</ul>\r\n<strong>First Time Home Buyer: </strong>No first-time home buyer requirement, however the borrower cannot  as of the note date, have any individual or joint ownership interest in any other residential properties.<strong>\r\n</strong>\r\n\r\n<strong>REI can provide Homebuyer Education through EHome America, please click on the following link to take the online course. The cost is $99.00. </strong><a href=\"http://www.ehomeamerica.org/reiok\">www.ehomeamerica.org/reiok</a>\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2015/06/2015-Area-Median-Incomes-FHA-VA-HUD-184.pdf\" target=\"_blank\">2015 Income Limits for FHA, VA, &amp; HUD 184</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2015/06/2015-Area-Median-Incomes-Conventional.pdf\" target=\"_blank\">2015 Income Limits for Conventional Program</a></li>\r\n</ul>\r\n</div>', 'Home Buyers', '', 'inherit', 'open', 'open', '', '6-revision-v1', '', '', '2015-12-02 19:33:53', '2015-12-02 19:33:53', '', 6, 'http://reidownpayment.org/6-revision-v1/', 0, 'revision', '', 0),
(1125, 2, '2015-12-02 19:34:26', '2015-12-02 19:34:26', '<img class=\"size-full wp-image-146 alignright\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/homebuyers-pic-1.png\" alt=\"homebuyers-pic-1\" width=\"348\" height=\"348\" />\r\n<div lang=\"EN-US\">\r\n\r\nREI Down Payment Assistance provides down payment and closing cost assistance to eligible borrowers through partnerships with lenders across the state. The programs are developed for people who have good jobs and the ability to re-pay a loan, but have not been able to save for the down payment or closing costs on a home.\r\n\r\nThe statewide REI Gift100 Program provides a competitive first mortgage and down payment/closing cost assistance to eligible mortgagors. The down payment is in the form of a gift that you are not required to pay back and there will not be second liens or deed restrictions against your property. This program can be used with the following loan types:\r\n<ul>\r\n	<li>FHA</li>\r\n	<li>VA</li>\r\n	<li>Rural Development</li>\r\n	<li>HUD Section 184</li>\r\n	<li>Fannie Mae HFA Preferred</li>\r\n</ul>\r\nRate/term refinance on any of the above loan products.\r\n\r\n<strong>Program Highlights:</strong>\r\n\r\n<strong>Structure: </strong>The funds may be used to fund up to 100% of the Borrower\'s cash requirement to close, including the down payment, closing costs, pre-paid items and other related mortgage loan fees and expenses. The following is a breakdown of the assistance available:\r\n<ul>\r\n	<li>FHA\r\n<ul>\r\n	<li>Gift of up to 5.0% of the total loan amount. The amount of assistance varies based on credit score and underwriting.</li>\r\n\r\n</li>\r\n	<li>VA, Rural Development &amp; HUD Section 184\r\n	<li>Gift of 3.5 or 5.0% of the total loan amount</li>\r\n</ul>\r\n</li>\r\n	<li>Fannie Mae HFA Preferred\r\n\r\n	<li>Gift of 3.0, 4.0, or 5.0% of the total loan amount</li>\r\n</ul>\r\n</li>\r\n</ul>\r\n<strong>Lenders:</strong> You may use the REI Gift100 approved lender of your choice. If you are using a lender that is not familiar with the program or is not approved, please have them contact Dena Sherrill, REI Down Payment Assistance Manager at 800-658-2823 or <a href=\"mailto:dsherrill@reiok.org\">dsherrill@reiok.org</a>.\r\n\r\n<strong>Income Limits:</strong> Income limits apply based on qualifying income and household size. Click on the appropriate link below for the Area Median Income requirements.\r\n\r\n<strong>Credit Score:</strong>\r\n<ul>\r\n	<li>FHA, VA, Rural Development &amp; HUD Section 184\r\n<ul>\r\n	<li><span style=\"color: #190707;\">Minimum Credit Score of 640</span></li>\r\n</ul>\r\n</li>\r\n	<li>Fannie Mae HFA Preferred &amp; Freddie Mac HFA Advantage\r\n<ul>\r\n	<li><span style=\"color: #190707;\">Loan to Value (LTV) of 95.01% - 97% - minimum credit score of 680</span></li>\r\n	<li><span style=\"color: #190707;\">Loan to Value (LTV) =&lt;95% - minimum credit score of 640</span></li>\r\n</ul>\r\n</li>\r\n</ul>\r\n<strong>First Time Home Buyer: </strong>No first-time home buyer requirement, however the borrower cannot  as of the note date, have any individual or joint ownership interest in any other residential properties.<strong>\r\n</strong>\r\n\r\n<strong>REI can provide Homebuyer Education through EHome America, please click on the following link to take the online course. The cost is $99.00. </strong><a href=\"http://www.ehomeamerica.org/reiok\">www.ehomeamerica.org/reiok</a>\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2015/06/2015-Area-Median-Incomes-FHA-VA-HUD-184.pdf\" target=\"_blank\">2015 Income Limits for FHA, VA, &amp; HUD 184</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2015/06/2015-Area-Median-Incomes-Conventional.pdf\" target=\"_blank\">2015 Income Limits for Conventional Program</a></li>\r\n</ul>\r\n</div>', 'Home Buyers', '', 'inherit', 'open', 'open', '', '6-revision-v1', '', '', '2015-12-02 19:34:26', '2015-12-02 19:34:26', '', 6, 'http://reidownpayment.org/6-revision-v1/', 0, 'revision', '', 0),
(1126, 2, '2015-12-02 19:34:48', '2015-12-02 19:34:48', '<img class=\"size-full wp-image-146 alignright\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/homebuyers-pic-1.png\" alt=\"homebuyers-pic-1\" width=\"348\" height=\"348\" />\r\n<div lang=\"EN-US\">\r\n\r\nREI Down Payment Assistance provides down payment and closing cost assistance to eligible borrowers through partnerships with lenders across the state. The programs are developed for people who have good jobs and the ability to re-pay a loan, but have not been able to save for the down payment or closing costs on a home.\r\n\r\nThe statewide REI Gift100 Program provides a competitive first mortgage and down payment/closing cost assistance to eligible mortgagors. The down payment is in the form of a gift that you are not required to pay back and there will not be second liens or deed restrictions against your property. This program can be used with the following loan types:\r\n<ul>\r\n	<li>FHA</li>\r\n	<li>VA</li>\r\n	<li>Rural Development</li>\r\n	<li>HUD Section 184</li>\r\n	<li>Fannie Mae HFA Preferred</li>\r\n</ul>\r\nRate/term refinance on any of the above loan products.\r\n\r\n<strong>Program Highlights:</strong>\r\n\r\n<strong>Structure: </strong>The funds may be used to fund up to 100% of the Borrower\'s cash requirement to close, including the down payment, closing costs, pre-paid items and other related mortgage loan fees and expenses. The following is a breakdown of the assistance available:\r\n<ul>\r\n	<li>FHA\r\n<ul>\r\n	<li>Gift of up to 5.0% of the total loan amount. The amount of assistance varies based on credit score and underwriting.</li>\r\n\r\n</li>\r\n	<li>VA, Rural Development &amp; HUD Section 184\r\n	<li>Gift of 3.5 or 5.0% of the total loan amount</li>\r\n\r\n</li>\r\n	<li>Fannie Mae HFA Preferred\r\n\r\n	<li>Gift of 3.0, 4.0, or 5.0% of the total loan amount</li>\r\n</ul>\r\n</li>\r\n</ul>\r\n<strong>Lenders:</strong> You may use the REI Gift100 approved lender of your choice. If you are using a lender that is not familiar with the program or is not approved, please have them contact Dena Sherrill, REI Down Payment Assistance Manager at 800-658-2823 or <a href=\"mailto:dsherrill@reiok.org\">dsherrill@reiok.org</a>.\r\n\r\n<strong>Income Limits:</strong> Income limits apply based on qualifying income and household size. Click on the appropriate link below for the Area Median Income requirements.\r\n\r\n<strong>Credit Score:</strong>\r\n<ul>\r\n	<li>FHA, VA, Rural Development &amp; HUD Section 184\r\n<ul>\r\n	<li><span style=\"color: #190707;\">Minimum Credit Score of 640</span></li>\r\n</ul>\r\n</li>\r\n	<li>Fannie Mae HFA Preferred &amp; Freddie Mac HFA Advantage\r\n<ul>\r\n	<li><span style=\"color: #190707;\">Loan to Value (LTV) of 95.01% - 97% - minimum credit score of 680</span></li>\r\n	<li><span style=\"color: #190707;\">Loan to Value (LTV) =&lt;95% - minimum credit score of 640</span></li>\r\n</ul>\r\n</li>\r\n</ul>\r\n<strong>First Time Home Buyer: </strong>No first-time home buyer requirement, however the borrower cannot  as of the note date, have any individual or joint ownership interest in any other residential properties.<strong>\r\n</strong>\r\n\r\n<strong>REI can provide Homebuyer Education through EHome America, please click on the following link to take the online course. The cost is $99.00. </strong><a href=\"http://www.ehomeamerica.org/reiok\">www.ehomeamerica.org/reiok</a>\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2015/06/2015-Area-Median-Incomes-FHA-VA-HUD-184.pdf\" target=\"_blank\">2015 Income Limits for FHA, VA, &amp; HUD 184</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2015/06/2015-Area-Median-Incomes-Conventional.pdf\" target=\"_blank\">2015 Income Limits for Conventional Program</a></li>\r\n</ul>\r\n</div>', 'Home Buyers', '', 'inherit', 'open', 'open', '', '6-revision-v1', '', '', '2015-12-02 19:34:48', '2015-12-02 19:34:48', '', 6, 'http://reidownpayment.org/6-revision-v1/', 0, 'revision', '', 0),
(1127, 2, '2015-12-02 19:35:17', '2015-12-02 19:35:17', '<img class=\"size-full wp-image-146 alignright\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/homebuyers-pic-1.png\" alt=\"homebuyers-pic-1\" width=\"348\" height=\"348\" />\r\n<div lang=\"EN-US\">\r\n\r\nREI Down Payment Assistance provides down payment and closing cost assistance to eligible borrowers through partnerships with lenders across the state. The programs are developed for people who have good jobs and the ability to re-pay a loan, but have not been able to save for the down payment or closing costs on a home.\r\n\r\nThe statewide REI Gift100 Program provides a competitive first mortgage and down payment/closing cost assistance to eligible mortgagors. The down payment is in the form of a gift that you are not required to pay back and there will not be second liens or deed restrictions against your property. This program can be used with the following loan types:\r\n<ul>\r\n	<li>FHA</li>\r\n	<li>VA</li>\r\n	<li>Rural Development</li>\r\n	<li>HUD Section 184</li>\r\n	<li>Fannie Mae HFA Preferred</li>\r\n</ul>\r\nRate/term refinance on any of the above loan products.\r\n\r\n<strong>Program Highlights:</strong>\r\n\r\n<strong>Structure: </strong>The funds may be used to fund up to 100% of the Borrower\'s cash requirement to close, including the down payment, closing costs, pre-paid items and other related mortgage loan fees and expenses. The following is a breakdown of the assistance available:\r\n<ul>\r\n	<li>FHA\r\n<ul>\r\n	<li>Gift of up to 5.0% of the total loan amount. The amount of assistance varies based on credit score and underwriting.</li>\r\n\r\n</li>\r\n<ul>\r\n	<li>VA, Rural Development &amp; HUD Section 184\r\n	<li>Gift of 3.5 or 5.0% of the total loan amount</li>\r\n\r\n</li>\r\n<ul>\r\n	<li>Fannie Mae HFA Preferred\r\n\r\n	<li>Gift of 3.0, 4.0, or 5.0% of the total loan amount</li>\r\n</ul>\r\n</li>\r\n</ul>\r\n<strong>Lenders:</strong> You may use the REI Gift100 approved lender of your choice. If you are using a lender that is not familiar with the program or is not approved, please have them contact Dena Sherrill, REI Down Payment Assistance Manager at 800-658-2823 or <a href=\"mailto:dsherrill@reiok.org\">dsherrill@reiok.org</a>.\r\n\r\n<strong>Income Limits:</strong> Income limits apply based on qualifying income and household size. Click on the appropriate link below for the Area Median Income requirements.\r\n\r\n<strong>Credit Score:</strong>\r\n<ul>\r\n	<li>FHA, VA, Rural Development &amp; HUD Section 184\r\n<ul>\r\n	<li><span style=\"color: #190707;\">Minimum Credit Score of 640</span></li>\r\n</ul>\r\n</li>\r\n	<li>Fannie Mae HFA Preferred &amp; Freddie Mac HFA Advantage\r\n<ul>\r\n	<li><span style=\"color: #190707;\">Loan to Value (LTV) of 95.01% - 97% - minimum credit score of 680</span></li>\r\n	<li><span style=\"color: #190707;\">Loan to Value (LTV) =&lt;95% - minimum credit score of 640</span></li>\r\n</ul>\r\n</li>\r\n</ul>\r\n<strong>First Time Home Buyer: </strong>No first-time home buyer requirement, however the borrower cannot  as of the note date, have any individual or joint ownership interest in any other residential properties.<strong>\r\n</strong>\r\n\r\n<strong>REI can provide Homebuyer Education through EHome America, please click on the following link to take the online course. The cost is $99.00. </strong><a href=\"http://www.ehomeamerica.org/reiok\">www.ehomeamerica.org/reiok</a>\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2015/06/2015-Area-Median-Incomes-FHA-VA-HUD-184.pdf\" target=\"_blank\">2015 Income Limits for FHA, VA, &amp; HUD 184</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2015/06/2015-Area-Median-Incomes-Conventional.pdf\" target=\"_blank\">2015 Income Limits for Conventional Program</a></li>\r\n</ul>\r\n</div>', 'Home Buyers', '', 'inherit', 'open', 'open', '', '6-revision-v1', '', '', '2015-12-02 19:35:17', '2015-12-02 19:35:17', '', 6, 'http://reidownpayment.org/6-revision-v1/', 0, 'revision', '', 0),
(1128, 2, '2015-12-02 19:35:41', '2015-12-02 19:35:41', '<img class=\"size-full wp-image-146 alignright\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/homebuyers-pic-1.png\" alt=\"homebuyers-pic-1\" width=\"348\" height=\"348\" />\r\n<div lang=\"EN-US\">\r\n\r\nREI Down Payment Assistance provides down payment and closing cost assistance to eligible borrowers through partnerships with lenders across the state. The programs are developed for people who have good jobs and the ability to re-pay a loan, but have not been able to save for the down payment or closing costs on a home.\r\n\r\nThe statewide REI Gift100 Program provides a competitive first mortgage and down payment/closing cost assistance to eligible mortgagors. The down payment is in the form of a gift that you are not required to pay back and there will not be second liens or deed restrictions against your property. This program can be used with the following loan types:\r\n<ul>\r\n	<li>FHA</li>\r\n	<li>VA</li>\r\n	<li>Rural Development</li>\r\n	<li>HUD Section 184</li>\r\n	<li>Fannie Mae HFA Preferred</li>\r\n</ul>\r\nRate/term refinance on any of the above loan products.\r\n\r\n<strong>Program Highlights:</strong>\r\n\r\n<strong>Structure: </strong>The funds may be used to fund up to 100% of the Borrower\'s cash requirement to close, including the down payment, closing costs, pre-paid items and other related mortgage loan fees and expenses. The following is a breakdown of the assistance available:\r\n<ul>\r\n	<li>FHA\r\n<ul>\r\n	<li>Gift of up to 5.0% of the total loan amount. The amount of assistance varies based on credit score and underwriting.</li>\r\n\r\n</li>\r\n<ul>\r\n	<li>VA, Rural Development &amp; HUD Section 184\r\n<ul>\r\n	<li>Gift of 3.5 or 5.0% of the total loan amount</li>\r\n\r\n</li>\r\n<ul>\r\n	<li>Fannie Mae HFA Preferred\r\n<ul>\r\n	<li>Gift of 3.0, 4.0, or 5.0% of the total loan amount</li>\r\n</ul>\r\n</li>\r\n</ul>\r\n<strong>Lenders:</strong> You may use the REI Gift100 approved lender of your choice. If you are using a lender that is not familiar with the program or is not approved, please have them contact Dena Sherrill, REI Down Payment Assistance Manager at 800-658-2823 or <a href=\"mailto:dsherrill@reiok.org\">dsherrill@reiok.org</a>.\r\n\r\n<strong>Income Limits:</strong> Income limits apply based on qualifying income and household size. Click on the appropriate link below for the Area Median Income requirements.\r\n\r\n<strong>Credit Score:</strong>\r\n<ul>\r\n	<li>FHA, VA, Rural Development &amp; HUD Section 184\r\n<ul>\r\n	<li><span style=\"color: #190707;\">Minimum Credit Score of 640</span></li>\r\n</ul>\r\n</li>\r\n	<li>Fannie Mae HFA Preferred &amp; Freddie Mac HFA Advantage\r\n<ul>\r\n	<li><span style=\"color: #190707;\">Loan to Value (LTV) of 95.01% - 97% - minimum credit score of 680</span></li>\r\n	<li><span style=\"color: #190707;\">Loan to Value (LTV) =&lt;95% - minimum credit score of 640</span></li>\r\n</ul>\r\n</li>\r\n</ul>\r\n<strong>First Time Home Buyer: </strong>No first-time home buyer requirement, however the borrower cannot  as of the note date, have any individual or joint ownership interest in any other residential properties.<strong>\r\n</strong>\r\n\r\n<strong>REI can provide Homebuyer Education through EHome America, please click on the following link to take the online course. The cost is $99.00. </strong><a href=\"http://www.ehomeamerica.org/reiok\">www.ehomeamerica.org/reiok</a>\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2015/06/2015-Area-Median-Incomes-FHA-VA-HUD-184.pdf\" target=\"_blank\">2015 Income Limits for FHA, VA, &amp; HUD 184</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2015/06/2015-Area-Median-Incomes-Conventional.pdf\" target=\"_blank\">2015 Income Limits for Conventional Program</a></li>\r\n</ul>\r\n</div>', 'Home Buyers', '', 'inherit', 'open', 'open', '', '6-revision-v1', '', '', '2015-12-02 19:35:41', '2015-12-02 19:35:41', '', 6, 'http://reidownpayment.org/6-revision-v1/', 0, 'revision', '', 0),
(1129, 2, '2015-12-02 19:35:59', '2015-12-02 19:35:59', '<img class=\"size-full wp-image-146 alignright\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/homebuyers-pic-1.png\" alt=\"homebuyers-pic-1\" width=\"348\" height=\"348\" />\r\n<div lang=\"EN-US\">\r\n\r\nREI Down Payment Assistance provides down payment and closing cost assistance to eligible borrowers through partnerships with lenders across the state. The programs are developed for people who have good jobs and the ability to re-pay a loan, but have not been able to save for the down payment or closing costs on a home.\r\n\r\nThe statewide REI Gift100 Program provides a competitive first mortgage and down payment/closing cost assistance to eligible mortgagors. The down payment is in the form of a gift that you are not required to pay back and there will not be second liens or deed restrictions against your property. This program can be used with the following loan types:\r\n<ul>\r\n	<li>FHA</li>\r\n	<li>VA</li>\r\n	<li>Rural Development</li>\r\n	<li>HUD Section 184</li>\r\n	<li>Fannie Mae HFA Preferred</li>\r\n</ul>\r\nRate/term refinance on any of the above loan products.\r\n\r\n<strong>Program Highlights:</strong>\r\n\r\n<strong>Structure: </strong>The funds may be used to fund up to 100% of the Borrower\'s cash requirement to close, including the down payment, closing costs, pre-paid items and other related mortgage loan fees and expenses. The following is a breakdown of the assistance available:\r\n<ul>\r\n	<li>FHA\r\n<ul>\r\n	<li>Gift of up to 5.0% of the total loan amount. The amount of assistance varies based on credit score and underwriting.</li>\r\n\r\n</li>\r\n<ul>\r\n	<li>VA, Rural Development &amp; HUD Section 184\r\n\r\n	<li>Gift of 3.5 or 5.0% of the total loan amount</li>\r\n\r\n</li>\r\n<ul>\r\n	<li>Fannie Mae HFA Preferred\r\n\r\n	<li>Gift of 3.0, 4.0, or 5.0% of the total loan amount</li>\r\n</ul>\r\n</li>\r\n</ul>\r\n<strong>Lenders:</strong> You may use the REI Gift100 approved lender of your choice. If you are using a lender that is not familiar with the program or is not approved, please have them contact Dena Sherrill, REI Down Payment Assistance Manager at 800-658-2823 or <a href=\"mailto:dsherrill@reiok.org\">dsherrill@reiok.org</a>.\r\n\r\n<strong>Income Limits:</strong> Income limits apply based on qualifying income and household size. Click on the appropriate link below for the Area Median Income requirements.\r\n\r\n<strong>Credit Score:</strong>\r\n<ul>\r\n	<li>FHA, VA, Rural Development &amp; HUD Section 184\r\n<ul>\r\n	<li><span style=\"color: #190707;\">Minimum Credit Score of 640</span></li>\r\n</ul>\r\n</li>\r\n	<li>Fannie Mae HFA Preferred &amp; Freddie Mac HFA Advantage\r\n<ul>\r\n	<li><span style=\"color: #190707;\">Loan to Value (LTV) of 95.01% - 97% - minimum credit score of 680</span></li>\r\n	<li><span style=\"color: #190707;\">Loan to Value (LTV) =&lt;95% - minimum credit score of 640</span></li>\r\n</ul>\r\n</li>\r\n</ul>\r\n<strong>First Time Home Buyer: </strong>No first-time home buyer requirement, however the borrower cannot  as of the note date, have any individual or joint ownership interest in any other residential properties.<strong>\r\n</strong>\r\n\r\n<strong>REI can provide Homebuyer Education through EHome America, please click on the following link to take the online course. The cost is $99.00. </strong><a href=\"http://www.ehomeamerica.org/reiok\">www.ehomeamerica.org/reiok</a>\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2015/06/2015-Area-Median-Incomes-FHA-VA-HUD-184.pdf\" target=\"_blank\">2015 Income Limits for FHA, VA, &amp; HUD 184</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2015/06/2015-Area-Median-Incomes-Conventional.pdf\" target=\"_blank\">2015 Income Limits for Conventional Program</a></li>\r\n</ul>\r\n</div>', 'Home Buyers', '', 'inherit', 'open', 'open', '', '6-revision-v1', '', '', '2015-12-02 19:35:59', '2015-12-02 19:35:59', '', 6, 'http://reidownpayment.org/6-revision-v1/', 0, 'revision', '', 0),
(1130, 2, '2015-12-02 19:36:19', '2015-12-02 19:36:19', '<img class=\"size-full wp-image-146 alignright\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/homebuyers-pic-1.png\" alt=\"homebuyers-pic-1\" width=\"348\" height=\"348\" />\r\n<div lang=\"EN-US\">\r\n\r\nREI Down Payment Assistance provides down payment and closing cost assistance to eligible borrowers through partnerships with lenders across the state. The programs are developed for people who have good jobs and the ability to re-pay a loan, but have not been able to save for the down payment or closing costs on a home.\r\n\r\nThe statewide REI Gift100 Program provides a competitive first mortgage and down payment/closing cost assistance to eligible mortgagors. The down payment is in the form of a gift that you are not required to pay back and there will not be second liens or deed restrictions against your property. This program can be used with the following loan types:\r\n<ul>\r\n	<li>FHA</li>\r\n	<li>VA</li>\r\n	<li>Rural Development</li>\r\n	<li>HUD Section 184</li>\r\n	<li>Fannie Mae HFA Preferred</li>\r\n</ul>\r\nRate/term refinance on any of the above loan products.\r\n\r\n<strong>Program Highlights:</strong>\r\n\r\n<strong>Structure: </strong>The funds may be used to fund up to 100% of the Borrower\'s cash requirement to close, including the down payment, closing costs, pre-paid items and other related mortgage loan fees and expenses. The following is a breakdown of the assistance available:\r\n<ul>\r\n	<li>FHA\r\n<ul>\r\n	<li>Gift of up to 5.0% of the total loan amount. The amount of assistance varies based on credit score and underwriting.</li>\r\n\r\n</li>\r\n\r\n	<li>VA, Rural Development &amp; HUD Section 184\r\n\r\n	<li>Gift of 3.5 or 5.0% of the total loan amount</li>\r\n\r\n</li>\r\n\r\n	<li>Fannie Mae HFA Preferred\r\n\r\n	<li>Gift of 3.0, 4.0, or 5.0% of the total loan amount</li>\r\n</ul>\r\n</li>\r\n</ul>\r\n<strong>Lenders:</strong> You may use the REI Gift100 approved lender of your choice. If you are using a lender that is not familiar with the program or is not approved, please have them contact Dena Sherrill, REI Down Payment Assistance Manager at 800-658-2823 or <a href=\"mailto:dsherrill@reiok.org\">dsherrill@reiok.org</a>.\r\n\r\n<strong>Income Limits:</strong> Income limits apply based on qualifying income and household size. Click on the appropriate link below for the Area Median Income requirements.\r\n\r\n<strong>Credit Score:</strong>\r\n<ul>\r\n	<li>FHA, VA, Rural Development &amp; HUD Section 184\r\n<ul>\r\n	<li><span style=\"color: #190707;\">Minimum Credit Score of 640</span></li>\r\n</ul>\r\n</li>\r\n	<li>Fannie Mae HFA Preferred &amp; Freddie Mac HFA Advantage\r\n<ul>\r\n	<li><span style=\"color: #190707;\">Loan to Value (LTV) of 95.01% - 97% - minimum credit score of 680</span></li>\r\n	<li><span style=\"color: #190707;\">Loan to Value (LTV) =&lt;95% - minimum credit score of 640</span></li>\r\n</ul>\r\n</li>\r\n</ul>\r\n<strong>First Time Home Buyer: </strong>No first-time home buyer requirement, however the borrower cannot  as of the note date, have any individual or joint ownership interest in any other residential properties.<strong>\r\n</strong>\r\n\r\n<strong>REI can provide Homebuyer Education through EHome America, please click on the following link to take the online course. The cost is $99.00. </strong><a href=\"http://www.ehomeamerica.org/reiok\">www.ehomeamerica.org/reiok</a>\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2015/06/2015-Area-Median-Incomes-FHA-VA-HUD-184.pdf\" target=\"_blank\">2015 Income Limits for FHA, VA, &amp; HUD 184</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2015/06/2015-Area-Median-Incomes-Conventional.pdf\" target=\"_blank\">2015 Income Limits for Conventional Program</a></li>\r\n</ul>\r\n</div>', 'Home Buyers', '', 'inherit', 'open', 'open', '', '6-revision-v1', '', '', '2015-12-02 19:36:19', '2015-12-02 19:36:19', '', 6, 'http://reidownpayment.org/6-revision-v1/', 0, 'revision', '', 0),
(1131, 2, '2015-12-02 19:38:51', '2015-12-02 19:38:51', '<img class=\"size-full wp-image-146 alignright\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/homebuyers-pic-1.png\" alt=\"homebuyers-pic-1\" width=\"348\" height=\"348\" />\r\n<div lang=\"EN-US\">\r\n\r\nREI Down Payment Assistance provides down payment and closing cost assistance to eligible borrowers through partnerships with lenders across the state. The programs are developed for people who have good jobs and the ability to re-pay a loan, but have not been able to save for the down payment or closing costs on a home.\r\n\r\nThe statewide REI Gift100 Program provides a competitive first mortgage and down payment/closing cost assistance to eligible mortgagors. The down payment is in the form of a gift that you are not required to pay back and there will not be second liens or deed restrictions against your property. This program can be used with the following loan types:\r\n<ul>\r\n	<li>FHA</li>\r\n	<li>VA</li>\r\n	<li>Rural Development</li>\r\n	<li>HUD Section 184</li>\r\n	<li>Fannie Mae HFA Preferred</li>\r\n</ul>\r\nRate/term refinance on any of the above loan products.\r\n\r\n<strong>Program Highlights:</strong>\r\n\r\n<strong>Structure: </strong>The funds may be used to fund up to 100% of the Borrower\'s cash requirement to close, including the down payment, closing costs, pre-paid items and other related mortgage loan fees and expenses. The following is a breakdown of the assistance available:\r\n<ul>\r\n	<li>FHA\r\n<ul>\r\n	<li>Gift of up to 5.0% of the total loan amount. The amount of assistance varies based on credit score and underwriting.</li>\r\n</ul>\r\n</li>\r\n\r\n	<li>VA, Rural Development &amp; HUD Section 184\r\n<ul>\r\n	<li>Gift of 3.5 or 5.0% of the total loan amount</li>\r\n</ul>\r\n</li>\r\n\r\n	<li>Fannie Mae HFA Preferred\r\n\r\n	<li>Gift of 3.0, 4.0, or 5.0% of the total loan amount</li>\r\n</ul>\r\n</li>\r\n</ul>\r\n<strong>Lenders:</strong> You may use the REI Gift100 approved lender of your choice. If you are using a lender that is not familiar with the program or is not approved, please have them contact Dena Sherrill, REI Down Payment Assistance Manager at 800-658-2823 or <a href=\"mailto:dsherrill@reiok.org\">dsherrill@reiok.org</a>.\r\n\r\n<strong>Income Limits:</strong> Income limits apply based on qualifying income and household size. Click on the appropriate link below for the Area Median Income requirements.\r\n\r\n<strong>Credit Score:</strong>\r\n<ul>\r\n	<li>FHA, VA, Rural Development &amp; HUD Section 184\r\n<ul>\r\n	<li><span style=\"color: #190707;\">Minimum Credit Score of 640</span></li>\r\n</ul>\r\n</li>\r\n	<li>Fannie Mae HFA Preferred &amp; Freddie Mac HFA Advantage\r\n<ul>\r\n	<li><span style=\"color: #190707;\">Loan to Value (LTV) of 95.01% - 97% - minimum credit score of 680</span></li>\r\n	<li><span style=\"color: #190707;\">Loan to Value (LTV) =&lt;95% - minimum credit score of 640</span></li>\r\n</ul>\r\n</li>\r\n</ul>\r\n<strong>First Time Home Buyer: </strong>No first-time home buyer requirement, however the borrower cannot  as of the note date, have any individual or joint ownership interest in any other residential properties.<strong>\r\n</strong>\r\n\r\n<strong>REI can provide Homebuyer Education through EHome America, please click on the following link to take the online course. The cost is $99.00. </strong><a href=\"http://www.ehomeamerica.org/reiok\">www.ehomeamerica.org/reiok</a>\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2015/06/2015-Area-Median-Incomes-FHA-VA-HUD-184.pdf\" target=\"_blank\">2015 Income Limits for FHA, VA, &amp; HUD 184</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2015/06/2015-Area-Median-Incomes-Conventional.pdf\" target=\"_blank\">2015 Income Limits for Conventional Program</a></li>\r\n</ul>\r\n</div>', 'Home Buyers', '', 'inherit', 'open', 'open', '', '6-revision-v1', '', '', '2015-12-02 19:38:51', '2015-12-02 19:38:51', '', 6, 'http://reidownpayment.org/6-revision-v1/', 0, 'revision', '', 0),
(1132, 2, '2015-12-02 19:39:28', '2015-12-02 19:39:28', '<img class=\"size-full wp-image-146 alignright\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/homebuyers-pic-1.png\" alt=\"homebuyers-pic-1\" width=\"348\" height=\"348\" />\r\n<div lang=\"EN-US\">\r\n\r\nREI Down Payment Assistance provides down payment and closing cost assistance to eligible borrowers through partnerships with lenders across the state. The programs are developed for people who have good jobs and the ability to re-pay a loan, but have not been able to save for the down payment or closing costs on a home.\r\n\r\nThe statewide REI Gift100 Program provides a competitive first mortgage and down payment/closing cost assistance to eligible mortgagors. The down payment is in the form of a gift that you are not required to pay back and there will not be second liens or deed restrictions against your property. This program can be used with the following loan types:\r\n<ul>\r\n	<li>FHA</li>\r\n	<li>VA</li>\r\n	<li>Rural Development</li>\r\n	<li>HUD Section 184</li>\r\n	<li>Fannie Mae HFA Preferred</li>\r\n</ul>\r\nRate/term refinance on any of the above loan products.\r\n\r\n<strong>Program Highlights:</strong>\r\n\r\n<strong>Structure: </strong>The funds may be used to fund up to 100% of the Borrower\'s cash requirement to close, including the down payment, closing costs, pre-paid items and other related mortgage loan fees and expenses. The following is a breakdown of the assistance available:\r\n<ul>\r\n	<li>FHA\r\n<ul>\r\n	<li>Gift of up to 5.0% of the total loan amount. The amount of assistance varies based on credit score and underwriting.</li>\r\n</ul>\r\n</li>\r\n\r\n	<li>VA, Rural Development &amp; HUD Section 184\r\n<ul>\r\n	<li>Gift of 3.5 or 5.0% of the total loan amount</li>\r\n</ul>\r\n</li>\r\n\r\n	<li>Fannie Mae HFA Preferred\r\n<ul>\r\n	<li>Gift of 3.0, 4.0, or 5.0% of the total loan amount</li>\r\n</ul>\r\n</li>\r\n</ul>\r\n<strong>Lenders:</strong> You may use the REI Gift100 approved lender of your choice. If you are using a lender that is not familiar with the program or is not approved, please have them contact Dena Sherrill, REI Down Payment Assistance Manager at 800-658-2823 or <a href=\"mailto:dsherrill@reiok.org\">dsherrill@reiok.org</a>.\r\n\r\n<strong>Income Limits:</strong> Income limits apply based on qualifying income and household size. Click on the appropriate link below for the Area Median Income requirements.\r\n\r\n<strong>Credit Score:</strong>\r\n<ul>\r\n	<li>FHA, VA, Rural Development &amp; HUD Section 184\r\n<ul>\r\n	<li><span style=\"color: #190707;\">Minimum Credit Score of 640</span></li>\r\n</ul>\r\n</li>\r\n	<li>Fannie Mae HFA Preferred &amp; Freddie Mac HFA Advantage\r\n<ul>\r\n	<li><span style=\"color: #190707;\">Loan to Value (LTV) of 95.01% - 97% - minimum credit score of 680</span></li>\r\n	<li><span style=\"color: #190707;\">Loan to Value (LTV) =&lt;95% - minimum credit score of 640</span></li>\r\n</ul>\r\n</li>\r\n</ul>\r\n<strong>First Time Home Buyer: </strong>No first-time home buyer requirement, however the borrower cannot  as of the note date, have any individual or joint ownership interest in any other residential properties.<strong>\r\n</strong>\r\n\r\n<strong>REI can provide Homebuyer Education through EHome America, please click on the following link to take the online course. The cost is $99.00. </strong><a href=\"http://www.ehomeamerica.org/reiok\">www.ehomeamerica.org/reiok</a>\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2015/06/2015-Area-Median-Incomes-FHA-VA-HUD-184.pdf\" target=\"_blank\">2015 Income Limits for FHA, VA, &amp; HUD 184</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2015/06/2015-Area-Median-Incomes-Conventional.pdf\" target=\"_blank\">2015 Income Limits for Conventional Program</a></li>\r\n</ul>\r\n</div>', 'Home Buyers', '', 'inherit', 'open', 'open', '', '6-revision-v1', '', '', '2015-12-02 19:39:28', '2015-12-02 19:39:28', '', 6, 'http://reidownpayment.org/6-revision-v1/', 0, 'revision', '', 0),
(1133, 2, '2015-12-02 20:06:17', '2015-12-02 20:06:17', '<img class=\"size-full wp-image-146 alignright\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/homebuyers-pic-1.png\" alt=\"homebuyers-pic-1\" width=\"348\" height=\"348\" />\r\n<div lang=\"EN-US\">\r\n\r\nREI Down Payment Assistance provides down payment and closing cost assistance to eligible borrowers through partnerships with lenders across the state. The programs are developed for people who have good jobs and the ability to re-pay a loan, but have not been able to save for the down payment or closing costs on a home.\r\n\r\nThe statewide REI Gift100 Program provides a competitive first mortgage and down payment/closing cost assistance to eligible mortgagors. The down payment is in the form of a gift that you are not required to pay back and there will not be second liens or deed restrictions against your property. This program can be used with the following loan types:\r\n<ul>\r\n	<li>FHA</li>\r\n	<li>VA</li>\r\n	<li>Rural Development</li>\r\n	<li>HUD Section 184</li>\r\n	<li>Fannie Mae HFA Preferred</li>\r\n</ul>\r\nRate/term refinance on any of the above loan products.\r\n\r\n<strong>Program Highlights:</strong>\r\n\r\n<strong>Structure: </strong>The funds may be used to fund up to 100% of the Borrower\'s cash requirement to close, including the down payment, closing costs, pre-paid items and other related mortgage loan fees and expenses. The following is a breakdown of the assistance available:\r\n<ul>\r\n	<li>FHA\r\n<ul>\r\n	<li>Gift of up to 5.0% of the total loan amount. The amount of assistance varies based on credit score and underwriting.</li>\r\n</ul>\r\n</li>\r\n	<li>VA, Rural Development &amp; HUD Section 184\r\n<ul>\r\n	<li>Gift of 3.5% or 5.0% of the total loan amount</li>\r\n</ul>\r\n</li>\r\n	<li>Fannie Mae HFA Preferred\r\n<ul>\r\n	<li>Gift of 3.0, 4.0, or 5.0% of the total loan amount</li>\r\n</ul>\r\n</li>\r\n</ul>\r\n<strong>Lenders:</strong> You may use the REI Gift100 approved lender of your choice. If you are using a lender that is not familiar with the program or is not approved, please have them contact Dena Sherrill, REI Down Payment Assistance Manager at 800-658-2823 or <a href=\"mailto:dsherrill@reiok.org\">dsherrill@reiok.org</a>.\r\n\r\n<strong>Income Limits:</strong> Income limits apply based on qualifying income and household size. Click on the appropriate link below for the Area Median Income requirements.\r\n\r\n<strong>Credit Score:</strong>\r\n<ul>\r\n	<li>FHA\r\n<ul>\r\n	<li><span style=\"color: #190707;\">Minimum Credit Score of 660 for full amount of assistance of 3.5% or 5%\r\n</span></li>\r\n	<li><span style=\"color: #190707;\">Minimum Credit Score of 640 for assistance of 2.5% or 4.0%\r\n</span></li>\r\n</ul>\r\n</li>\r\n	<li>VA, Rural Development &amp; HUD Section 184\r\n<ul>\r\n	<li><span style=\"color: #190707;\">Minimum Credit Score of 640 for assistance of 3.5% of 5.0%\r\n</span></li>\r\n</ul>\r\n</li>\r\n	<li>Fannie Mae HFA Preferred\r\n<ul>\r\n	<li><span style=\"color: #190707;\">Loan to Value (LTV) of 95.01% - 97% - minimum credit score of 680 for assistance of 3.5% of 5.0%\r\n</span></li>\r\n	<li><span style=\"color: #190707;\">Loan to Value (LTV) =&lt;95% - minimum credit score of 640 for assistance of 3.5% or 5.0%\r\n</span></li>\r\n</ul>\r\n</li>\r\n</ul>\r\n<strong>First Time Home Buyer: </strong>No first-time home buyer requirement, however the borrower cannot  as of the note date, have any individual or joint ownership interest in any other residential properties.<strong>\r\n</strong>\r\n\r\n<strong>REI can provide Homebuyer Education through EHome America, please click on the following link to take the online course. The cost is $99.00. </strong><a href=\"http://www.ehomeamerica.org/reiok\">www.ehomeamerica.org/reiok</a>\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2015/06/2015-Area-Median-Incomes-FHA-VA-HUD-184.pdf\" target=\"_blank\">2015 Income Limits for FHA, VA, &amp; HUD 184</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2015/06/2015-Area-Median-Incomes-Conventional.pdf\" target=\"_blank\">2015 Income Limits for Conventional Program</a></li>\r\n</ul>\r\n</div>', 'Home Buyers', '', 'inherit', 'open', 'open', '', '6-revision-v1', '', '', '2015-12-02 20:06:17', '2015-12-02 20:06:17', '', 6, 'http://reidownpayment.org/6-revision-v1/', 0, 'revision', '', 0),
(1134, 2, '2015-12-02 20:10:40', '2015-12-02 20:10:40', '<img class=\"size-full wp-image-146 alignright\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/homebuyers-pic-1.png\" alt=\"homebuyers-pic-1\" width=\"348\" height=\"348\" />\r\n<div lang=\"EN-US\">\r\n\r\nREI Down Payment Assistance provides down payment and closing cost assistance to eligible borrowers through partnerships with lenders across the state. The programs are developed for people who have good jobs and the ability to re-pay a loan, but have not been able to save for the down payment or closing costs on a home.\r\n\r\nThe statewide REI Gift100 Program provides a competitive first mortgage and down payment/closing cost assistance to eligible mortgagors. The down payment is in the form of a gift that you are not required to pay back and there will not be second liens or deed restrictions against your property. This program can be used with the following loan types:\r\n<ul>\r\n	<li>FHA</li>\r\n	<li>VA</li>\r\n	<li>Rural Development</li>\r\n	<li>HUD Section 184</li>\r\n	<li>Fannie Mae HFA Preferred</li>\r\n</ul>\r\nRate/term refinance on any of the above loan products.\r\n\r\n<strong>Program Highlights:</strong>\r\n\r\n<strong>Structure: </strong>The funds may be used to fund up to 100% of the Borrower\'s cash requirement to close, including the down payment, closing costs, pre-paid items and other related mortgage loan fees and expenses. The following is a breakdown of the assistance available:\r\n<ul>\r\n	<li>FHA\r\n<ul>\r\n	<li>Gift of up to 5.0% of the total loan amount. The amount of assistance varies based on credit score and underwriting.</li>\r\n</ul>\r\n</li>\r\n	<li>VA, Rural Development &amp; HUD Section 184\r\n<ul>\r\n	<li>Gift of 3.5% or 5.0% of the total loan amount</li>\r\n</ul>\r\n</li>\r\n	<li>Fannie Mae HFA Preferred\r\n<ul>\r\n	<li>Gift of 3.0, 4.0, or 5.0% of the total loan amount</li>\r\n</ul>\r\n</li>\r\n</ul>\r\n<strong>Lenders:</strong> You may use the REI Gift100 approved lender of your choice. If you are using a lender that is not familiar with the program or is not approved, please have them contact Dena Sherrill, REI Down Payment Assistance Manager at 800-658-2823 or <a href=\"mailto:dsherrill@reiok.org\">dsherrill@reiok.org</a>.\r\n\r\n<strong>Income Limits:</strong> Income limits apply based on qualifying income and household size. Click on the appropriate link below for the Area Median Income requirements.\r\n\r\n<strong>Credit Score:</strong>\r\n<ul>\r\n	<li>FHA\r\n<ul>\r\n	<li><span style=\"color: #190707;\">Minimum Credit Score of 660 for full amount of assistance of 3.5% or 5%\r\n</span></li>\r\n	<li><span style=\"color: #190707;\">Minimum Credit Score of 640 for assistance of 2.5% or 4.0%\r\n</span></li>\r\n</ul>\r\n</li>\r\n	<li>VA, Rural Development &amp; HUD Section 184\r\n<ul>\r\n	<li><span style=\"color: #190707;\">Minimum Credit Score of 640 for assistance of 3.5% of 5.0%\r\n</span></li>\r\n</ul>\r\n</li>\r\n	<li>Fannie Mae HFA Preferred\r\n<ul>\r\n	<li><span style=\"color: #190707;\">Loan to Value (LTV) of 95.01% - 97% - minimum credit score of 680 for assistance of 3.5% of 5.0%\r\n</span></li>\r\n	<li><span style=\"color: #190707;\">Loan to Value (LTV) =&lt;95% - minimum credit score of 640 for assistance of 3.5% or 5.0%\r\n</span></li>\r\n</ul>\r\n</li>\r\n</ul>\r\n<strong>First Time Home Buyer: </strong>No first-time home buyer requirement, however the borrower cannot  as of the note date, have any individual or joint ownership interest in any other residential properties.<strong>\r\n</strong>\r\n\r\n<strong>REI can provide Homebuyer Education through EHome America. Homebuyer education is required for most Fannie Mae HFA Preferred loans. Please click on the following link to take the online course. The cost is $99.00. </strong><a href=\"http://www.ehomeamerica.org/reiok\">www.ehomeamerica.org/reiok</a>\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2015/06/2015-Area-Median-Incomes-FHA-VA-HUD-184.pdf\" target=\"_blank\">2015 Income Limits for FHA, VA, &amp; HUD 184</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2015/06/2015-Area-Median-Incomes-Conventional.pdf\" target=\"_blank\">2015 Income Limits for Conventional Program</a></li>\r\n</ul>\r\n</div>', 'Home Buyers', '', 'inherit', 'open', 'open', '', '6-revision-v1', '', '', '2015-12-02 20:10:40', '2015-12-02 20:10:40', '', 6, 'http://reidownpayment.org/6-revision-v1/', 0, 'revision', '', 0);
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(1135, 2, '2015-12-02 20:12:13', '2015-12-02 20:12:13', '<img class=\"size-full wp-image-146 alignright\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/homebuyers-pic-1.png\" alt=\"homebuyers-pic-1\" width=\"348\" height=\"348\" />\r\n<div lang=\"EN-US\">\r\n\r\nREI Down Payment Assistance provides down payment and closing cost assistance to eligible borrowers through partnerships with lenders across the state. The programs are developed for people who have good jobs and the ability to re-pay a loan, but have not been able to save for the down payment or closing costs on a home.\r\n\r\nThe statewide REI Gift100 Program provides a competitive first mortgage and down payment/closing cost assistance to eligible mortgagors. The down payment is in the form of a gift that you are not required to pay back and there will not be second liens or deed restrictions against your property. This program can be used with the following loan types:\r\n<ul>\r\n	<li>FHA</li>\r\n	<li>VA</li>\r\n	<li>Rural Development</li>\r\n	<li>HUD Section 184</li>\r\n	<li>Fannie Mae HFA Preferred</li>\r\n</ul>\r\nRate/term refinance on any of the above loan products.\r\n\r\n<strong>Program Highlights:</strong>\r\n\r\n<strong>Structure: </strong>The funds may be used to fund up to 100% of the Borrower\'s cash requirement to close, including the down payment, closing costs, pre-paid items and other related mortgage loan fees and expenses. The following is a breakdown of the assistance available:\r\n<ul>\r\n	<li>FHA\r\n<ul>\r\n	<li>Gift of up to 5.0% of the total loan amount. The amount of assistance varies based on credit score and underwriting.</li>\r\n</ul>\r\n</li>\r\n	<li>VA, Rural Development &amp; HUD Section 184\r\n<ul>\r\n	<li>Gift of 3.5% or 5.0% of the total loan amount</li>\r\n</ul>\r\n</li>\r\n	<li>Fannie Mae HFA Preferred\r\n<ul>\r\n	<li>Gift of 3.0, 4.0, or 5.0% of the total loan amount</li>\r\n</ul>\r\n</li>\r\n</ul>\r\n<strong>Lenders:</strong> You may use the REI Gift100 approved lender of your choice. If you are using a lender that is not familiar with the program or is not approved, please have them contact Dena Sherrill, REI Down Payment Assistance Manager at 800-658-2823 or <a href=\"mailto:dsherrill@reiok.org\">dsherrill@reiok.org</a>.\r\n\r\n<strong>Income Limits:</strong> Income limits apply based on qualifying income and household size. Click on the appropriate link below for the Area Median Income requirements.\r\n\r\n<strong>Credit Score:</strong>\r\n<ul>\r\n	<li>FHA\r\n<ul>\r\n	<li><span style=\"color: #190707;\">Minimum Credit Score of 660 for full amount of assistance of 3.5% or 5.0%\r\n</span></li>\r\n	<li><span style=\"color: #190707;\">Minimum Credit Score of 640 for assistance of 2.5% or 4.0%\r\n</span></li>\r\n</ul>\r\n</li>\r\n	<li>VA, Rural Development &amp; HUD Section 184\r\n<ul>\r\n	<li><span style=\"color: #190707;\">Minimum Credit Score of 640 for assistance of 3.5% of 5.0%\r\n</span></li>\r\n</ul>\r\n</li>\r\n	<li>Fannie Mae HFA Preferred\r\n<ul>\r\n	<li><span style=\"color: #190707;\">Loan to Value (LTV) of 95.01% - 97% - minimum credit score of 680 for assistance of 3.5% of 5.0%\r\n</span></li>\r\n	<li><span style=\"color: #190707;\">Loan to Value (LTV) =&lt;95% - minimum credit score of 640 for assistance of 3.5% or 5.0%\r\n</span></li>\r\n</ul>\r\n</li>\r\n</ul>\r\n<strong>First Time Home Buyer: </strong>No first-time home buyer requirement, however the borrower cannot  as of the note date, have any individual or joint ownership interest in any other residential properties.<strong>\r\n</strong>\r\n\r\n<strong>REI can provide Homebuyer Education through EHome America. Homebuyer education is required for most Fannie Mae HFA Preferred loans. Please click on the following link to take the online course. The cost is $99.00. </strong><a href=\"http://www.ehomeamerica.org/reiok\">www.ehomeamerica.org/reiok</a>\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2015/06/2015-Area-Median-Incomes-FHA-VA-HUD-184.pdf\" target=\"_blank\">2015 Income Limits for FHA, VA, &amp; HUD 184</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2015/06/2015-Area-Median-Incomes-Conventional.pdf\" target=\"_blank\">2015 Income Limits for Conventional Program</a></li>\r\n</ul>\r\n</div>', 'Home Buyers', '', 'inherit', 'open', 'open', '', '6-revision-v1', '', '', '2015-12-02 20:12:13', '2015-12-02 20:12:13', '', 6, 'http://reidownpayment.org/6-revision-v1/', 0, 'revision', '', 0),
(1136, 2, '2015-12-02 20:17:14', '2015-12-02 20:17:14', '<img class=\"size-full wp-image-146 alignright\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/homebuyers-pic-1.png\" alt=\"homebuyers-pic-1\" width=\"348\" height=\"348\" />\r\n<div lang=\"EN-US\">\r\n\r\nREI Down Payment Assistance provides down payment and closing cost assistance to eligible borrowers through partnerships with lenders across the state. The programs are developed for people who have good jobs and the ability to re-pay a loan, but have not been able to save for the down payment or closing costs on a home.\r\n\r\nThe statewide REI Gift100 Program provides a competitive first mortgage and down payment/closing cost assistance to eligible mortgagors. The down payment is in the form of a gift that you are not required to pay back and there will not be second liens or deed restrictions against your property. This program can be used with the following loan types:\r\n<ul>\r\n	<li>FHA</li>\r\n	<li>VA</li>\r\n	<li>Rural Development</li>\r\n	<li>HUD Section 184</li>\r\n	<li>Fannie Mae HFA Preferred</li>\r\n</ul>\r\nRate/term refinance on any of the above loan products.\r\n\r\n<strong>Program Highlights:</strong>\r\n\r\n<strong>Structure: </strong>The funds may be used to fund up to 100% of the Borrower\'s cash requirement to close, including the down payment, closing costs, pre-paid items and other related mortgage loan fees and expenses. The following is a breakdown of the assistance available:\r\n<ul>\r\n	<li>FHA\r\n<ul>\r\n	<li>Gift of up to 5.0% of the total loan amount. The amount of assistance varies based on credit score and underwriting.</li>\r\n</ul>\r\n</li>\r\n	<li>VA, Rural Development &amp; HUD Section 184\r\n<ul>\r\n	<li>Gift of 3.5% or 5.0% of the total loan amount</li>\r\n</ul>\r\n</li>\r\n	<li>Fannie Mae HFA Preferred\r\n<ul>\r\n	<li>Gift of 3.0, 4.0, or 5.0% of the total loan amount</li>\r\n</ul>\r\n</li>\r\n</ul>\r\n<strong>Lenders:</strong> You may use the REI Gift100 approved lender of your choice. If you are using a lender that is not familiar with the program or is not approved, please have them contact Dena Sherrill, REI Down Payment Assistance Manager at 800-658-2823 or <a href=\"mailto:dsherrill@reiok.org\">dsherrill@reiok.org</a>.\r\n\r\n<strong>Income Limits:</strong> Income limits apply based on qualifying income and household size. Click on the appropriate link below for the Area Median Income requirements.\r\n\r\n<strong>Credit Score:</strong>\r\n<ul>\r\n	<li>FHA\r\n<ul>\r\n	<li><span style=\"color: #190707;\">Minimum Credit Score of 660 for full amount of assistance of 3.5% or 5.0%\r\n</span></li>\r\n	<li><span style=\"color: #190707;\">Minimum Credit Score of 640 for assistance of 2.5% or 4.0%\r\n</span></li>\r\n</ul>\r\n</li>\r\n	<li>VA, Rural Development &amp; HUD Section 184\r\n<ul>\r\n	<li><span style=\"color: #190707;\">Minimum Credit Score of 640 for assistance of 3.5% of 5.0%\r\n</span></li>\r\n</ul>\r\n</li>\r\n	<li>Fannie Mae HFA Preferred\r\n<ul>\r\n	<li><span style=\"color: #190707;\">Loan to Value (LTV) of 95.01% - 97% - minimum credit score of 680 for assistance of 3.5% of 5.0%\r\n</span></li>\r\n	<li><span style=\"color: #190707;\">Loan to Value (LTV) =&lt;95% - minimum credit score of 640 for assistance of 3.5% or 5.0%\r\n</span></li>\r\n</ul>\r\n</li>\r\n</ul>\r\n<strong>First Time Home Buyer: </strong>No first-time home buyer requirement, however the borrower cannot as of the note date, have any individual or joint ownership interest in any other residential properties.<strong>\r\n</strong>\r\n\r\n<strong>REI can provide Homebuyer Education through EHome America. Homebuyer education is required for most Fannie Mae HFA Preferred loans. Please click on the following link to take the online course. The cost is $99.00. </strong><a href=\"http://www.ehomeamerica.org/reiok\">www.ehomeamerica.org/reiok</a>\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2015/06/2015-Area-Median-Incomes-FHA-VA-HUD-184.pdf\" target=\"_blank\">2015 Income Limits for FHA, VA, &amp; HUD 184</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2015/06/2015-Area-Median-Incomes-Conventional.pdf\" target=\"_blank\">2015 Income Limits for Conventional Program</a></li>\r\n</ul>\r\n</div>', 'Home Buyers', '', 'inherit', 'open', 'open', '', '6-revision-v1', '', '', '2015-12-02 20:17:14', '2015-12-02 20:17:14', '', 6, 'http://reidownpayment.org/6-revision-v1/', 0, 'revision', '', 0),
(1137, 2, '2015-12-02 20:29:13', '2015-12-02 20:29:13', '', 'REI DPA website credit score graph-01', '', 'inherit', 'open', 'open', '', 'rei-dpa-website-credit-score-graph-01', '', '', '2015-12-02 20:29:44', '2015-12-02 20:29:44', '', 431, 'http://reidownpayment.org/wp/wp-content/uploads/2015/12/REI-DPA-website-credit-score-graph-01.jpg', 0, 'attachment', 'image/jpeg', 0),
(1138, 2, '2015-12-02 20:43:06', '2015-12-02 20:43:06', '<b>REI GIFT100  - Government\r\n</b>\r\n\r\nREI Down Payment Assistance invests in Oklahoma’s future by providing housing opportunities to low income individuals and families.  The 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.\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 Structure:</strong>\r\n\r\n<strong>Down Payment Assistance up to 5.0% of total first mortgage loan amount based on criterion below.</strong>\r\n\r\nThe down payment assistance is in the form of a gift and is based on a percentage of the total first mortgage loan amount.\r\n<ul>\r\n	<li>The funds may be used to fund up to 100% of the Borrower’s cash requirement to close, including the down payment, closing costs, pre-paid items and other related Mortgage Loan fees and expenses. No portion of the gift funds can be paid to the Borrower unless the Borrower is being reimbursed for an overage of his/her earnest money deposit to the extent the minimum Borrower contribution has been satisfied. Under the rate/term refinance option, any funds above the amount needed to pay the Borrower’s loan related costs must be used to reduce the principal amount of the First Mortgage loan.</li>\r\n</ul>\r\n<strong>FHA</strong> - Amount of Assistance/Credit Score/Underwriting:\r\n\r\nThe amount of down payment assistance available to borrowers varies based on the criterion below for FHA Loans only.\r\n\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2015/12/REI-DPA-website-credit-score-graph-01.jpg\"><img class=\"alignleft wp-image-1137 size-large\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2015/12/REI-DPA-website-credit-score-graph-01-1024x359.jpg\" alt=\"REI DPA website credit score graph-01\" width=\"640\" height=\"224\" data-id=\"1137\" /></a>\r\n<ul>\r\n	<li> You will use the same published interest rates for the lower DPA amounts as applicable to the 3.5% or 5.0% assistance.</li>\r\n	<li>For Example: The borrower has a 660 credit score and the loan must be remanded to manual underwrite due to an AUS of refer. The borrower would receive 4.0% assistance rather than 5% assistance, so that loan would have the same interest rate as the 5% assistance interest rate for that day. The borrower would just get a reduced amount of down payment assistance.</li>\r\n	<li> Loans may be underwritten through an automated underwriting System (DU or LP)</li>\r\n	<li><strong>Manual Underwrite/Alternative Credit</strong> – a loan can be manually underwritten at the lender’s discretion if there is an AUS finding of refer or if the borrower has NO FICO Score. The maximum DTI for manually underwritten loans is 36% and borrower must have 2 months PITI reserves after closing. Follow manual underwriting guidelines for the appropriate Government loan product allowable in the program.</li>\r\n</ul>\r\n<strong>RD, HUD 184, VA - </strong>Amount of Assistance/Credit Score/Underwriting:\r\n<ul>\r\n	<li>Down Payment Assistance 3..5% or 5.0% of the total first loan amount.</li>\r\n	<li>Loans may be underwritten through an automated underwriting System (DU or LP) – Rural Development Loans (GUS)</li>\r\n	<li>All borrowers MUST have a minimum representative Credit Score of 640.</li>\r\n	<li>Manual Underwrite – a loan can be manually underwritten at the lender’s discretion if there is an AUS finding of refer or if the borrower has NO FICO Score. The maximum DTI for manually underwritten loans is 36% and borrower must have 2 months PITI reserves after closing (or per product guide if greater). Follow manual underwriting guidelines for the appropriate loan product.</li>\r\n</ul>\r\n<strong>Debt Ratio for FHA, RD, VA, &amp; HUD 184</strong>\r\n<ul>\r\n	<li>Determined by First Mortgage Program not to exceed 45%.</li>\r\n	<li>Manual Underwrite/Alternative Credit Score 36% with 2 months PITI reserves after closing.</li>\r\n</ul>\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. Please see Program Summary below for details.\r\n\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>First Time Home Buyer:</strong> No first-time home buyer requirement.\r\n\r\n<strong>Home Buyer Education:</strong> Recommended but not required.\r\n\r\n<strong>Lender Compensation, Fees, and Purchase:</strong> Please review the Program Summary and Program Guidelines below for compensation, loan fees, and purchase requirements.  These documents can also be found on the Lender Portal at <a href=\"http://www.reigift100.org/\" target=\"_blank\">www.reigift100.org</a>.\r\n\r\n<strong>Forms:</strong>\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2015/12/REI-Gift100-Program-Summary-15.12.pdf\" target=\"_blank\">REI Gift100 Program Summary</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2015/03/2015-Area-Median-Incomes-Gift-100-Program.pdf\" target=\"_blank\">2014 Area Median Income - Gift100 Program</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2015/10/Program-Manual-15.07.pdf\" target=\"_blank\">REI Gift100 Program Guidelines</a></li>\r\n	<li><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a></li>\r\n</ul>\r\n<strong>US Bank Forms &amp; Bulletins:</strong>\r\n<ul>\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/05/USB-002-DPA-Form.pdf\" target=\"_blank\">Down Payment Assistance Form</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/05/MRBP-Government-Loan-Delivery-Checklist-pg-1.pdf\" target=\"_blank\">Delivery Checklist Form</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/05/MRB-Funding-Fee-Increase-2014-37.pdf\" target=\"_blank\">Funding Fee Increase Bulletin 2014-37</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/05/Loan-Review-Process-Reminders-2014-26.pdf\" target=\"_blank\">Loan Review Process Bulletin 2014-26</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/06/MRBP-Compliance-Audit-Reminders-2014-40.pdf\" target=\"_blank\">MRBP Compliance Audit Reminder 2014-40</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/06/MRBP_Compliance_Reminders-2014-39.pdf\" target=\"_blank\">MRBP Compliance Reminders 2014-39</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/07/MRBP-Flood-Insurance-Requirements-2014-41.pdf\" target=\"_blank\">MRBP Flood Insurance Requirements 2014-41</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/07/MRBP-Dodd-Frank-Reminders-2014-42.pdf\" target=\"_blank\">MRBP Dodd-Frank Reminders 2014-42</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/07/NMLS-Requirement-Bulletin-2014-43.pdf\" target=\"_blank\">NMLS Requirement Bulletin 2014-43</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/09/Revised-Communications-Bulletin-2014-48.pdf\" target=\"_blank\"><span class=\"title\">Revised Communications Bulletin 2014-48</span></a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/11/Amendatory-Clause-LOU-HFA-2.pdf\" target=\"_blank\">Amendatory Clause LOU - HFA 2</a></li>\r\n</ul>\r\n</ul>', 'REI Gift100 Government Loan Program', '', 'inherit', 'open', 'open', '', '431-revision-v1', '', '', '2015-12-02 20:43:06', '2015-12-02 20:43:06', '', 431, 'http://reidownpayment.org/431-revision-v1/', 0, 'revision', '', 0),
(1139, 2, '2015-12-02 20:43:25', '2015-12-02 20:43:25', '<b>REI GIFT100  - Government\r\n</b>\r\n\r\nREI Down Payment Assistance invests in Oklahoma’s future by providing housing opportunities to low income individuals and families.  The 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.\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 Structure:</strong>\r\n\r\n<strong>Down Payment Assistance up to 5.0% of total first mortgage loan amount based on criterion below.</strong>\r\n\r\nThe down payment assistance is in the form of a gift and is based on a percentage of the total first mortgage loan amount.\r\n<ul>\r\n	<li>The funds may be used to fund up to 100% of the Borrower’s cash requirement to close, including the down payment, closing costs, pre-paid items and other related Mortgage Loan fees and expenses. No portion of the gift funds can be paid to the Borrower unless the Borrower is being reimbursed for an overage of his/her earnest money deposit to the extent the minimum Borrower contribution has been satisfied. Under the rate/term refinance option, any funds above the amount needed to pay the Borrower’s loan related costs must be used to reduce the principal amount of the First Mortgage loan.</li>\r\n</ul>\r\n<strong>FHA</strong> - Amount of Assistance/Credit Score/Underwriting:\r\n\r\nThe amount of down payment assistance available to borrowers varies based on the criterion below for FHA Loans only.\r\n\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2015/12/REI-DPA-website-credit-score-graph-01.jpg\"><img class=\" wp-image-1137 size-large aligncenter\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2015/12/REI-DPA-website-credit-score-graph-01-1024x359.jpg\" alt=\"REI DPA website credit score graph-01\" width=\"640\" height=\"224\" data-id=\"1137\" /></a>\r\n<ul>\r\n	<li> You will use the same published interest rates for the lower DPA amounts as applicable to the 3.5% or 5.0% assistance.</li>\r\n	<li>For Example: The borrower has a 660 credit score and the loan must be remanded to manual underwrite due to an AUS of refer. The borrower would receive 4.0% assistance rather than 5% assistance, so that loan would have the same interest rate as the 5% assistance interest rate for that day. The borrower would just get a reduced amount of down payment assistance.</li>\r\n	<li> Loans may be underwritten through an automated underwriting System (DU or LP)</li>\r\n	<li><strong>Manual Underwrite/Alternative Credit</strong> – a loan can be manually underwritten at the lender’s discretion if there is an AUS finding of refer or if the borrower has NO FICO Score. The maximum DTI for manually underwritten loans is 36% and borrower must have 2 months PITI reserves after closing. Follow manual underwriting guidelines for the appropriate Government loan product allowable in the program.</li>\r\n</ul>\r\n<strong>RD, HUD 184, VA - </strong>Amount of Assistance/Credit Score/Underwriting:\r\n<ul>\r\n	<li>Down Payment Assistance 3..5% or 5.0% of the total first loan amount.</li>\r\n	<li>Loans may be underwritten through an automated underwriting System (DU or LP) – Rural Development Loans (GUS)</li>\r\n	<li>All borrowers MUST have a minimum representative Credit Score of 640.</li>\r\n	<li>Manual Underwrite – a loan can be manually underwritten at the lender’s discretion if there is an AUS finding of refer or if the borrower has NO FICO Score. The maximum DTI for manually underwritten loans is 36% and borrower must have 2 months PITI reserves after closing (or per product guide if greater). Follow manual underwriting guidelines for the appropriate loan product.</li>\r\n</ul>\r\n<strong>Debt Ratio for FHA, RD, VA, &amp; HUD 184</strong>\r\n<ul>\r\n	<li>Determined by First Mortgage Program not to exceed 45%.</li>\r\n	<li>Manual Underwrite/Alternative Credit Score 36% with 2 months PITI reserves after closing.</li>\r\n</ul>\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. Please see Program Summary below for details.\r\n\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>First Time Home Buyer:</strong> No first-time home buyer requirement.\r\n\r\n<strong>Home Buyer Education:</strong> Recommended but not required.\r\n\r\n<strong>Lender Compensation, Fees, and Purchase:</strong> Please review the Program Summary and Program Guidelines below for compensation, loan fees, and purchase requirements.  These documents can also be found on the Lender Portal at <a href=\"http://www.reigift100.org/\" target=\"_blank\">www.reigift100.org</a>.\r\n\r\n<strong>Forms:</strong>\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2015/12/REI-Gift100-Program-Summary-15.12.pdf\" target=\"_blank\">REI Gift100 Program Summary</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2015/03/2015-Area-Median-Incomes-Gift-100-Program.pdf\" target=\"_blank\">2014 Area Median Income - Gift100 Program</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2015/10/Program-Manual-15.07.pdf\" target=\"_blank\">REI Gift100 Program Guidelines</a></li>\r\n	<li><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a></li>\r\n</ul>\r\n<strong>US Bank Forms &amp; Bulletins:</strong>\r\n<ul>\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/05/USB-002-DPA-Form.pdf\" target=\"_blank\">Down Payment Assistance Form</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/05/MRBP-Government-Loan-Delivery-Checklist-pg-1.pdf\" target=\"_blank\">Delivery Checklist Form</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/05/MRB-Funding-Fee-Increase-2014-37.pdf\" target=\"_blank\">Funding Fee Increase Bulletin 2014-37</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/05/Loan-Review-Process-Reminders-2014-26.pdf\" target=\"_blank\">Loan Review Process Bulletin 2014-26</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/06/MRBP-Compliance-Audit-Reminders-2014-40.pdf\" target=\"_blank\">MRBP Compliance Audit Reminder 2014-40</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/06/MRBP_Compliance_Reminders-2014-39.pdf\" target=\"_blank\">MRBP Compliance Reminders 2014-39</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/07/MRBP-Flood-Insurance-Requirements-2014-41.pdf\" target=\"_blank\">MRBP Flood Insurance Requirements 2014-41</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/07/MRBP-Dodd-Frank-Reminders-2014-42.pdf\" target=\"_blank\">MRBP Dodd-Frank Reminders 2014-42</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/07/NMLS-Requirement-Bulletin-2014-43.pdf\" target=\"_blank\">NMLS Requirement Bulletin 2014-43</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/09/Revised-Communications-Bulletin-2014-48.pdf\" target=\"_blank\"><span class=\"title\">Revised Communications Bulletin 2014-48</span></a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/11/Amendatory-Clause-LOU-HFA-2.pdf\" target=\"_blank\">Amendatory Clause LOU - HFA 2</a></li>\r\n</ul>\r\n</ul>', 'REI Gift100 Government Loan Program', '', 'inherit', 'open', 'open', '', '431-revision-v1', '', '', '2015-12-02 20:43:25', '2015-12-02 20:43:25', '', 431, 'http://reidownpayment.org/431-revision-v1/', 0, 'revision', '', 0),
(1140, 2, '2015-12-02 20:44:50', '2015-12-02 20:44:50', '<b>REI GIFT100  - Government\r\n</b>\r\n\r\nREI Down Payment Assistance invests in Oklahoma’s future by providing housing opportunities to low income individuals and families.  The 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.\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 Structure:</strong>\r\n\r\n<strong>Down Payment Assistance up to 5.0% of total first mortgage loan amount based on criterion below.</strong>\r\n\r\nThe down payment assistance is in the form of a gift and is based on a percentage of the total first mortgage loan amount.\r\n<ul>\r\n	<li>The funds may be used to fund up to 100% of the Borrower’s cash requirement to close, including the down payment, closing costs, pre-paid items and other related Mortgage Loan fees and expenses. No portion of the gift funds can be paid to the Borrower unless the Borrower is being reimbursed for an overage of his/her earnest money deposit to the extent the minimum Borrower contribution has been satisfied. Under the rate/term refinance option, any funds above the amount needed to pay the Borrower’s loan related costs must be used to reduce the principal amount of the First Mortgage loan.</li>\r\n</ul>\r\n<strong>FHA</strong> - Amount of Assistance/Credit Score/Underwriting:\r\n\r\nThe amount of down payment assistance available to borrowers varies based on the criterion below for FHA Loans only.\r\n\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2015/12/REI-DPA-website-credit-score-graph-01.jpg\"><img class=\"aligncenter wp-image-1137 size-large\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2015/12/REI-DPA-website-credit-score-graph-01-1024x359.jpg\" alt=\"REI DPA website credit score graph-01\" width=\"640\" height=\"224\" data-id=\"1137\" /></a>\r\n<ul>\r\n	<li> You will use the same published interest rates for the lower DPA amounts as applicable to the 3.5% or 5.0% assistance.</li>\r\n	<li>For Example: The borrower has a 660 credit score and the loan must be remanded to manual underwrite due to an AUS of refer. The borrower would receive 4.0% assistance rather than 5% assistance, so that loan would have the same interest rate as the 5% assistance interest rate for that day. The borrower would just get a reduced amount of down payment assistance.</li>\r\n	<li> Loans may be underwritten through an automated underwriting System (DU or LP)</li>\r\n	<li><strong>Manual Underwrite/Alternative Credit</strong> – a loan can be manually underwritten at the lender’s discretion if there is an AUS finding of refer or if the borrower has NO FICO Score. The maximum DTI for manually underwritten loans is 36% and borrower must have 2 months PITI reserves after closing. Follow manual underwriting guidelines for the appropriate Government loan product allowable in the program.</li>\r\n</ul>\r\n<strong>RD, HUD 184, VA - </strong>Amount of Assistance/Credit Score/Underwriting:\r\n<ul>\r\n	<li>Down Payment Assistance 3..5% or 5.0% of the total first loan amount.</li>\r\n	<li>Loans may be underwritten through an automated underwriting System (DU or LP) – Rural Development Loans (GUS)</li>\r\n	<li>All borrowers MUST have a minimum representative Credit Score of 640.</li>\r\n	<li>Manual Underwrite – a loan can be manually underwritten at the lender’s discretion if there is an AUS finding of refer or if the borrower has NO FICO Score. The maximum DTI for manually underwritten loans is 36% and borrower must have 2 months PITI reserves after closing (or per product guide if greater). Follow manual underwriting guidelines for the appropriate loan product.</li>\r\n</ul>\r\n<strong>Debt Ratio for FHA, RD, VA, &amp; HUD 184</strong>\r\n<ul>\r\n	<li>Determined by First Mortgage Program not to exceed 45%.</li>\r\n	<li>Manual Underwrite/Alternative Credit Score 36% with 2 months PITI reserves after closing.</li>\r\n</ul>\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. Please see Program Summary below for details.\r\n\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>First Time Home Buyer:</strong> No first-time home buyer requirement.\r\n\r\n<strong>Home Buyer Education:</strong> Recommended but not required.\r\n\r\n<strong>Lender Compensation, Fees, and Purchase:</strong> Please review the Program Summary and Program Guidelines below for compensation, loan fees, and purchase requirements.  These documents can also be found on the Lender Portal at <a href=\"http://www.reigift100.org/\" target=\"_blank\">www.reigift100.org</a>.\r\n\r\n<strong>Forms:</strong>\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2015/12/REI-Gift100-Program-Summary-15.12.pdf\" target=\"_blank\">REI Gift100 Program Summary</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2015/03/2015-Area-Median-Incomes-Gift-100-Program.pdf\" target=\"_blank\">2014 Area Median Income - Gift100 Program</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2015/10/Program-Manual-15.07.pdf\" target=\"_blank\">REI Gift100 Program Guidelines</a></li>\r\n	<li><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a></li>\r\n</ul>\r\n<strong>US Bank Forms &amp; Bulletins:</strong>\r\n<ul>\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/05/USB-002-DPA-Form.pdf\" target=\"_blank\">Down Payment Assistance Form</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/05/MRBP-Government-Loan-Delivery-Checklist-pg-1.pdf\" target=\"_blank\">Delivery Checklist Form</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/05/MRB-Funding-Fee-Increase-2014-37.pdf\" target=\"_blank\">Funding Fee Increase Bulletin 2014-37</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/05/Loan-Review-Process-Reminders-2014-26.pdf\" target=\"_blank\">Loan Review Process Bulletin 2014-26</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/06/MRBP-Compliance-Audit-Reminders-2014-40.pdf\" target=\"_blank\">MRBP Compliance Audit Reminder 2014-40</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/06/MRBP_Compliance_Reminders-2014-39.pdf\" target=\"_blank\">MRBP Compliance Reminders 2014-39</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/07/MRBP-Flood-Insurance-Requirements-2014-41.pdf\" target=\"_blank\">MRBP Flood Insurance Requirements 2014-41</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/07/MRBP-Dodd-Frank-Reminders-2014-42.pdf\" target=\"_blank\">MRBP Dodd-Frank Reminders 2014-42</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/07/NMLS-Requirement-Bulletin-2014-43.pdf\" target=\"_blank\">NMLS Requirement Bulletin 2014-43</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/09/Revised-Communications-Bulletin-2014-48.pdf\" target=\"_blank\"><span class=\"title\">Revised Communications Bulletin 2014-48</span></a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/11/Amendatory-Clause-LOU-HFA-2.pdf\" target=\"_blank\">Amendatory Clause LOU - HFA 2</a></li>\r\n</ul>\r\n</ul>', 'REI Gift100 Government Loan Program', '', 'inherit', 'open', 'open', '', '431-revision-v1', '', '', '2015-12-02 20:44:50', '2015-12-02 20:44:50', '', 431, 'http://reidownpayment.org/431-revision-v1/', 0, 'revision', '', 0),
(1141, 2, '2015-12-02 20:49:26', '2015-12-02 20:49:26', '<b>REI GIFT100  - Government\r\n</b>\r\n\r\nREI Down Payment Assistance invests in Oklahoma’s future by providing housing opportunities to low income individuals and families.  The 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.\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 Structure:</strong>\r\n\r\n<strong>Down Payment Assistance up to 5.0% of total first mortgage loan amount based on criterion below.</strong>\r\n\r\nThe down payment assistance is in the form of a gift and is based on a percentage of the total first mortgage loan amount.\r\n<ul>\r\n	<li>The funds may be used to fund up to 100% of the Borrower’s cash requirement to close, including the down payment, closing costs, pre-paid items and other related Mortgage Loan fees and expenses. No portion of the gift funds can be paid to the Borrower unless the Borrower is being reimbursed for an overage of his/her earnest money deposit to the extent the minimum Borrower contribution has been satisfied. Under the rate/term refinance option, any funds above the amount needed to pay the Borrower’s loan related costs must be used to reduce the principal amount of the First Mortgage loan.</li>\r\n</ul>\r\n<strong>FHA</strong> - Amount of Assistance/Credit Score/Underwriting:\r\n\r\nThe amount of down payment assistance available to borrowers varies based on the criterion below for FHA Loans only.\r\n\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2015/12/REI-DPA-website-credit-score-graph-01.jpg\"><img class=\"aligncenter wp-image-1137 size-large\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2015/12/REI-DPA-website-credit-score-graph-01-1024x359.jpg\" alt=\"REI DPA website credit score graph-01\" width=\"640\" height=\"224\" data-id=\"1137\" /></a>\r\n<ul>\r\n	<li> You will use the same published interest rates for the lower DPA amounts as applicable to the 3.5% or 5.0% assistance.</li>\r\n	<li>For Example: The borrower has a 660 credit score and the loan must be remanded to manual underwrite due to an AUS of refer. The borrower would receive 4.0% assistance rather than 5% assistance, so that loan would have the same interest rate as the 5% assistance interest rate for that day. The borrower would just get a reduced amount of down payment assistance.</li>\r\n	<li> Loans may be underwritten through an automated underwriting System (DU or LP)</li>\r\n	<li><strong>Manual Underwrite/Alternative Credit</strong> – a loan can be manually underwritten at the lender’s discretion if there is an AUS finding of refer or if the borrower has NO FICO Score. The maximum DTI for manually underwritten loans is 36% and borrower must have 2 months PITI reserves after closing. Follow manual underwriting guidelines for the appropriate Government loan product allowable in the program.</li>\r\n</ul>\r\n<strong>RD, HUD 184, VA - </strong>Amount of Assistance/Credit Score/Underwriting:\r\n<ul>\r\n	<li>Down Payment Assistance 3.5% or 5.0% of the total first loan amount.</li>\r\n	<li>Loans may be underwritten through an automated underwriting System (DU or LP) – Rural Development Loans (GUS)</li>\r\n	<li>All borrowers MUST have a minimum representative Credit Score of 640.</li>\r\n	<li>Manual Underwrite – a loan can be manually underwritten at the lender’s discretion if there is an AUS finding of refer or if the borrower has NO FICO Score. The maximum DTI for manually underwritten loans is 36% and borrower must have 2 months PITI reserves after closing (or per product guide if greater). Follow manual underwriting guidelines for the appropriate loan product.</li>\r\n</ul>\r\n<strong>Debt Ratio for FHA, RD, VA, &amp; HUD 184</strong>\r\n<ul>\r\n	<li>Determined by First Mortgage Program not to exceed 45%.</li>\r\n	<li>Manual Underwrite/Alternative Credit Score 36% with 2 months PITI reserves after closing.</li>\r\n</ul>\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. Please see Program Summary below for details.\r\n\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>First Time Home Buyer:</strong> No first-time home buyer requirement.\r\n\r\n<strong>Home Buyer Education:</strong> Recommended but not required.\r\n\r\n<strong>Lender Compensation, Fees, and Purchase:</strong> Please review the Program Summary and Program Guidelines below for compensation, loan fees, and purchase requirements.  These documents can also be found on the Lender Portal at <a href=\"http://www.reigift100.org/\" target=\"_blank\">www.reigift100.org</a>.\r\n\r\n<strong>Forms:</strong>\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2015/12/REI-Gift100-Program-Summary-15.12.pdf\" target=\"_blank\">REI Gift100 Program Summary</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2015/03/2015-Area-Median-Incomes-Gift-100-Program.pdf\" target=\"_blank\">2014 Area Median Income - Gift100 Program</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2015/10/Program-Manual-15.07.pdf\" target=\"_blank\">REI Gift100 Program Guidelines</a></li>\r\n	<li><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a></li>\r\n</ul>\r\n<strong>US Bank Forms &amp; Bulletins:</strong>\r\n<ul>\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/05/USB-002-DPA-Form.pdf\" target=\"_blank\">Down Payment Assistance Form</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/05/MRBP-Government-Loan-Delivery-Checklist-pg-1.pdf\" target=\"_blank\">Delivery Checklist Form</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/05/MRB-Funding-Fee-Increase-2014-37.pdf\" target=\"_blank\">Funding Fee Increase Bulletin 2014-37</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/05/Loan-Review-Process-Reminders-2014-26.pdf\" target=\"_blank\">Loan Review Process Bulletin 2014-26</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/06/MRBP-Compliance-Audit-Reminders-2014-40.pdf\" target=\"_blank\">MRBP Compliance Audit Reminder 2014-40</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/06/MRBP_Compliance_Reminders-2014-39.pdf\" target=\"_blank\">MRBP Compliance Reminders 2014-39</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/07/MRBP-Flood-Insurance-Requirements-2014-41.pdf\" target=\"_blank\">MRBP Flood Insurance Requirements 2014-41</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/07/MRBP-Dodd-Frank-Reminders-2014-42.pdf\" target=\"_blank\">MRBP Dodd-Frank Reminders 2014-42</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/07/NMLS-Requirement-Bulletin-2014-43.pdf\" target=\"_blank\">NMLS Requirement Bulletin 2014-43</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/09/Revised-Communications-Bulletin-2014-48.pdf\" target=\"_blank\"><span class=\"title\">Revised Communications Bulletin 2014-48</span></a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/11/Amendatory-Clause-LOU-HFA-2.pdf\" target=\"_blank\">Amendatory Clause LOU - HFA 2</a></li>\r\n</ul>\r\n</ul>', 'REI Gift100 Government Loan Program', '', 'inherit', 'open', 'open', '', '431-revision-v1', '', '', '2015-12-02 20:49:26', '2015-12-02 20:49:26', '', 431, 'http://reidownpayment.org/431-revision-v1/', 0, 'revision', '', 0);
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(1142, 2, '2015-12-02 20:50:25', '2015-12-02 20:50:25', '<b>REI GIFT100  - Government\r\n</b>\r\n\r\nREI Down Payment Assistance invests in Oklahoma’s future by providing housing opportunities to low income individuals and families.  The 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.\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 Structure:</strong>\r\n\r\n<strong>Down Payment Assistance up to 5.0% of total first mortgage loan amount based on criterion below.</strong>\r\n\r\nThe down payment assistance is in the form of a gift and is based on a percentage of the total first mortgage loan amount.\r\n<ul>\r\n	<li>The funds may be used to fund up to 100% of the Borrower’s cash requirement to close, including the down payment, closing costs, pre-paid items and other related Mortgage Loan fees and expenses. No portion of the gift funds can be paid to the Borrower unless the Borrower is being reimbursed for an overage of his/her earnest money deposit to the extent the minimum Borrower contribution has been satisfied. Under the rate/term refinance option, any funds above the amount needed to pay the Borrower’s loan related costs must be used to reduce the principal amount of the First Mortgage loan.</li>\r\n</ul>\r\n<strong>FHA</strong> - Amount of Assistance/Credit Score/Underwriting:\r\n\r\nThe amount of down payment assistance available to borrowers varies based on the criterion below for FHA Loans only.\r\n\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2015/12/REI-DPA-website-credit-score-graph-01.jpg\"><img class=\"aligncenter wp-image-1137 size-large\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2015/12/REI-DPA-website-credit-score-graph-01-1024x359.jpg\" alt=\"REI DPA website credit score graph-01\" width=\"640\" height=\"224\" data-id=\"1137\" /></a>\r\n<ul>\r\n	<li> You will use the same published interest rates for the lower DPA amounts as applicable to the 3.5% or 5.0% assistance.</li>\r\n	<li>For Example: The borrower has a 660 credit score and the loan must be remanded to manual underwrite due to an AUS of refer. The borrower would receive 4.0% assistance rather than 5% assistance, so that loan would have the same interest rate as the 5% assistance interest rate for that day. The borrower would just get a reduced amount of down payment assistance.</li>\r\n	<li> Loans may be underwritten through an automated underwriting System (DU or LP)</li>\r\n	<li><strong>Manual Underwrite/Alternative Credit</strong> – a loan can be manually underwritten at the lender’s discretion if there is an AUS finding of refer or if the borrower has NO FICO Score. The maximum DTI for manually underwritten loans is 36% and borrower must have 2 months PITI reserves after closing. Follow manual underwriting guidelines for the appropriate Government loan product allowable in the program.</li>\r\n</ul>\r\n<strong>RD, HUD 184, VA - </strong>Amount of Assistance/Credit Score/Underwriting:\r\n<ul>\r\n	<li>Down Payment Assistance of 3.5% or 5.0% of the total first loan amount.</li>\r\n	<li>Loans may be underwritten through an automated underwriting System (DU or LP) – Rural Development Loans (GUS)</li>\r\n	<li>All borrowers MUST have a minimum representative Credit Score of 640.</li>\r\n	<li>Manual Underwrite – a loan can be manually underwritten at the lender’s discretion if there is an AUS finding of refer or if the borrower has NO FICO Score. The maximum DTI for manually underwritten loans is 36% and borrower must have 2 months PITI reserves after closing (or per product guide if greater). Follow manual underwriting guidelines for the appropriate loan product.</li>\r\n</ul>\r\n<strong>Debt Ratio for FHA, RD, VA, &amp; HUD 184</strong>\r\n<ul>\r\n	<li>Determined by First Mortgage Program not to exceed 45%.</li>\r\n	<li>Manual Underwrite/Alternative Credit Score 36% with 2 months PITI reserves after closing.</li>\r\n</ul>\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. Please see Program Summary below for details.\r\n\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>First Time Home Buyer:</strong> No first-time home buyer requirement.\r\n\r\n<strong>Home Buyer Education:</strong> Recommended but not required.\r\n\r\n<strong>Lender Compensation, Fees, and Purchase:</strong> Please review the Program Summary and Program Guidelines below for compensation, loan fees, and purchase requirements.  These documents can also be found on the Lender Portal at <a href=\"http://www.reigift100.org/\" target=\"_blank\">www.reigift100.org</a>.\r\n\r\n<strong>Forms:</strong>\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2015/12/REI-Gift100-Program-Summary-15.12.pdf\" target=\"_blank\">REI Gift100 Program Summary</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2015/03/2015-Area-Median-Incomes-Gift-100-Program.pdf\" target=\"_blank\">2014 Area Median Income - Gift100 Program</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2015/10/Program-Manual-15.07.pdf\" target=\"_blank\">REI Gift100 Program Guidelines</a></li>\r\n	<li><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a></li>\r\n</ul>\r\n<strong>US Bank Forms &amp; Bulletins:</strong>\r\n<ul>\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/05/USB-002-DPA-Form.pdf\" target=\"_blank\">Down Payment Assistance Form</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/05/MRBP-Government-Loan-Delivery-Checklist-pg-1.pdf\" target=\"_blank\">Delivery Checklist Form</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/05/MRB-Funding-Fee-Increase-2014-37.pdf\" target=\"_blank\">Funding Fee Increase Bulletin 2014-37</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/05/Loan-Review-Process-Reminders-2014-26.pdf\" target=\"_blank\">Loan Review Process Bulletin 2014-26</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/06/MRBP-Compliance-Audit-Reminders-2014-40.pdf\" target=\"_blank\">MRBP Compliance Audit Reminder 2014-40</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/06/MRBP_Compliance_Reminders-2014-39.pdf\" target=\"_blank\">MRBP Compliance Reminders 2014-39</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/07/MRBP-Flood-Insurance-Requirements-2014-41.pdf\" target=\"_blank\">MRBP Flood Insurance Requirements 2014-41</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/07/MRBP-Dodd-Frank-Reminders-2014-42.pdf\" target=\"_blank\">MRBP Dodd-Frank Reminders 2014-42</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/07/NMLS-Requirement-Bulletin-2014-43.pdf\" target=\"_blank\">NMLS Requirement Bulletin 2014-43</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/09/Revised-Communications-Bulletin-2014-48.pdf\" target=\"_blank\"><span class=\"title\">Revised Communications Bulletin 2014-48</span></a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/11/Amendatory-Clause-LOU-HFA-2.pdf\" target=\"_blank\">Amendatory Clause LOU - HFA 2</a></li>\r\n</ul>\r\n</ul>', 'REI Gift100 Government Loan Program', '', 'inherit', 'open', 'open', '', '431-revision-v1', '', '', '2015-12-02 20:50:25', '2015-12-02 20:50:25', '', 431, 'http://reidownpayment.org/431-revision-v1/', 0, 'revision', '', 0),
(1143, 2, '2015-12-02 20:53:02', '2015-12-02 20:53:02', '<b>REI GIFT100 - Government\r\n</b>\r\n\r\nREI Down Payment Assistance invests in Oklahoma’s future by providing housing opportunities to low income individuals and families.  The 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.\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 Structure:</strong>\r\n\r\n<strong>Down Payment Assistance up to 5.0% of total first mortgage loan amount based on criterion below.</strong>\r\n\r\nThe down payment assistance is in the form of a gift and is based on a percentage of the total first mortgage loan amount.\r\n<ul>\r\n	<li>The funds may be used to fund up to 100% of the Borrower’s cash requirement to close, including the down payment, closing costs, pre-paid items and other related Mortgage Loan fees and expenses. No portion of the gift funds can be paid to the Borrower unless the Borrower is being reimbursed for an overage of his/her earnest money deposit to the extent the minimum Borrower contribution has been satisfied. Under the rate/term refinance option, any funds above the amount needed to pay the Borrower’s loan related costs must be used to reduce the principal amount of the First Mortgage loan.</li>\r\n</ul>\r\n<strong>FHA</strong> - Amount of Assistance/Credit Score/Underwriting:\r\n\r\nThe amount of down payment assistance available to borrowers varies based on the criterion below for FHA Loans only.\r\n\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2015/12/REI-DPA-website-credit-score-graph-01.jpg\"><img class=\"aligncenter wp-image-1137 size-large\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2015/12/REI-DPA-website-credit-score-graph-01-1024x359.jpg\" alt=\"REI DPA website credit score graph-01\" width=\"640\" height=\"224\" data-id=\"1137\" /></a>\r\n<ul>\r\n	<li> You will use the same published interest rates for the lower DPA amounts as applicable to the 3.5% or 5.0% assistance.</li>\r\n	<li>For Example: The borrower has a 660 credit score and the loan must be remanded to manual underwrite due to an AUS of refer. The borrower would receive 4.0% assistance rather than 5% assistance, so that loan would have the same interest rate as the 5% assistance interest rate for that day. The borrower would just get a reduced amount of down payment assistance.</li>\r\n	<li> Loans may be underwritten through an automated underwriting System (DU or LP)</li>\r\n	<li><strong>Manual Underwrite/Alternative Credit</strong> – a loan can be manually underwritten at the lender’s discretion if there is an AUS finding of refer or if the borrower has NO FICO Score. The maximum DTI for manually underwritten loans is 36% and borrower must have 2 months PITI reserves after closing. Follow manual underwriting guidelines for the appropriate Government loan product allowable in the program.</li>\r\n</ul>\r\n<strong>RD, HUD 184, VA - </strong>Amount of Assistance/Credit Score/Underwriting:\r\n<ul>\r\n	<li>Down Payment Assistance of 3.5% or 5.0% of the total first loan amount.</li>\r\n	<li>Loans may be underwritten through an automated underwriting System (DU or LP) – Rural Development Loans (GUS)</li>\r\n	<li>All borrowers MUST have a minimum representative Credit Score of 640.</li>\r\n	<li>Manual Underwrite – a loan can be manually underwritten at the lender’s discretion if there is an AUS finding of refer or if the borrower has NO FICO Score. The maximum DTI for manually underwritten loans is 36% and borrower must have 2 months PITI reserves after closing (or per product guide if greater). Follow manual underwriting guidelines for the appropriate loan product.</li>\r\n</ul>\r\n<strong>Debt Ratio for FHA, RD, VA, &amp; HUD 184</strong>\r\n<ul>\r\n	<li>Determined by First Mortgage Program not to exceed 45%.</li>\r\n	<li>Manual Underwrite/Alternative Credit Score 36% with 2 months PITI reserves after closing.</li>\r\n</ul>\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. Please see Program Summary below for details.\r\n\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>First Time Home Buyer:</strong> No first-time home buyer requirement.\r\n\r\n<strong>Home Buyer Education:</strong> Recommended but not required.\r\n\r\n<strong>Lender Compensation, Fees, and Purchase:</strong> Please review the Program Summary and Program Guidelines below for compensation, loan fees, and purchase requirements.  These documents can also be found on the Lender Portal at <a href=\"http://www.reigift100.org/\" target=\"_blank\">www.reigift100.org</a>.\r\n\r\n<strong>Forms:</strong>\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2015/12/REI-Gift100-Program-Summary-15.12.pdf\" target=\"_blank\">REI Gift100 Program Summary</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2015/03/2015-Area-Median-Incomes-Gift-100-Program.pdf\" target=\"_blank\">2014 Area Median Income - Gift100 Program</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2015/10/Program-Manual-15.07.pdf\" target=\"_blank\">REI Gift100 Program Guidelines</a></li>\r\n	<li><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a></li>\r\n</ul>\r\n<strong>US Bank Forms &amp; Bulletins:</strong>\r\n<ul>\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/05/USB-002-DPA-Form.pdf\" target=\"_blank\">Down Payment Assistance Form</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/05/MRBP-Government-Loan-Delivery-Checklist-pg-1.pdf\" target=\"_blank\">Delivery Checklist Form</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/05/MRB-Funding-Fee-Increase-2014-37.pdf\" target=\"_blank\">Funding Fee Increase Bulletin 2014-37</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/05/Loan-Review-Process-Reminders-2014-26.pdf\" target=\"_blank\">Loan Review Process Bulletin 2014-26</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/06/MRBP-Compliance-Audit-Reminders-2014-40.pdf\" target=\"_blank\">MRBP Compliance Audit Reminder 2014-40</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/06/MRBP_Compliance_Reminders-2014-39.pdf\" target=\"_blank\">MRBP Compliance Reminders 2014-39</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/07/MRBP-Flood-Insurance-Requirements-2014-41.pdf\" target=\"_blank\">MRBP Flood Insurance Requirements 2014-41</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/07/MRBP-Dodd-Frank-Reminders-2014-42.pdf\" target=\"_blank\">MRBP Dodd-Frank Reminders 2014-42</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/07/NMLS-Requirement-Bulletin-2014-43.pdf\" target=\"_blank\">NMLS Requirement Bulletin 2014-43</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/09/Revised-Communications-Bulletin-2014-48.pdf\" target=\"_blank\"><span class=\"title\">Revised Communications Bulletin 2014-48</span></a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/11/Amendatory-Clause-LOU-HFA-2.pdf\" target=\"_blank\">Amendatory Clause LOU - HFA 2</a></li>\r\n</ul>\r\n</ul>', 'REI Gift100 Government Loan Program', '', 'inherit', 'open', 'open', '', '431-revision-v1', '', '', '2015-12-02 20:53:02', '2015-12-02 20:53:02', '', 431, 'http://reidownpayment.org/431-revision-v1/', 0, 'revision', '', 0),
(1144, 2, '2015-12-02 20:54:20', '2015-12-02 20:54:20', 'All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock. One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li> 7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-12-02 20:54:20', '2015-12-02 20:54:20', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1145, 2, '2015-12-02 20:54:41', '2015-12-02 20:54:41', 'All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock. One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>  7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-12-02 20:54:41', '2015-12-02 20:54:41', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1146, 2, '2015-12-02 21:02:45', '2015-12-02 21:02:45', '', 'REI Gift100 Program Summary 15.12.01', '', 'inherit', 'open', 'open', '', 'rei-gift100-program-summary-15-12-01', '', '', '2015-12-02 21:02:45', '2015-12-02 21:02:45', '', 0, 'http://reidownpayment.org/wp/wp-content/uploads/2015/12/REI-Gift100-Program-Summary-15.12.01.pdf', 0, 'attachment', 'application/pdf', 0),
(1147, 2, '2015-12-02 21:03:12', '2015-12-02 21:03:12', '<b>REI GIFT100 - Government\r\n</b>\r\n\r\nREI Down Payment Assistance invests in Oklahoma’s future by providing housing opportunities to low income individuals and families.  The 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.\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 Structure:</strong>\r\n\r\n<strong>Down Payment Assistance up to 5.0% of total first mortgage loan amount based on criterion below.</strong>\r\n\r\nThe down payment assistance is in the form of a gift and is based on a percentage of the total first mortgage loan amount.\r\n<ul>\r\n	<li>The funds may be used to fund up to 100% of the Borrower’s cash requirement to close, including the down payment, closing costs, pre-paid items and other related Mortgage Loan fees and expenses. No portion of the gift funds can be paid to the Borrower unless the Borrower is being reimbursed for an overage of his/her earnest money deposit to the extent the minimum Borrower contribution has been satisfied. Under the rate/term refinance option, any funds above the amount needed to pay the Borrower’s loan related costs must be used to reduce the principal amount of the First Mortgage loan.</li>\r\n</ul>\r\n<strong>FHA</strong> - Amount of Assistance/Credit Score/Underwriting:\r\n\r\nThe amount of down payment assistance available to borrowers varies based on the criterion below for FHA Loans only.\r\n\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2015/12/REI-DPA-website-credit-score-graph-01.jpg\"><img class=\"aligncenter wp-image-1137 size-large\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2015/12/REI-DPA-website-credit-score-graph-01-1024x359.jpg\" alt=\"REI DPA website credit score graph-01\" width=\"640\" height=\"224\" data-id=\"1137\" /></a>\r\n<ul>\r\n	<li> You will use the same published interest rates for the lower DPA amounts as applicable to the 3.5% or 5.0% assistance.</li>\r\n	<li>For Example: The borrower has a 660 credit score and the loan must be remanded to manual underwrite due to an AUS of refer. The borrower would receive 4.0% assistance rather than 5% assistance, so that loan would have the same interest rate as the 5% assistance interest rate for that day. The borrower would just get a reduced amount of down payment assistance.</li>\r\n	<li> Loans may be underwritten through an automated underwriting System (DU or LP)</li>\r\n	<li><strong>Manual Underwrite/Alternative Credit</strong> – a loan can be manually underwritten at the lender’s discretion if there is an AUS finding of refer or if the borrower has NO FICO Score. The maximum DTI for manually underwritten loans is 36% and borrower must have 2 months PITI reserves after closing. Follow manual underwriting guidelines for the appropriate Government loan product allowable in the program.</li>\r\n</ul>\r\n<strong>RD, HUD 184, VA - </strong>Amount of Assistance/Credit Score/Underwriting:\r\n<ul>\r\n	<li>Down Payment Assistance of 3.5% or 5.0% of the total first loan amount.</li>\r\n	<li>Loans may be underwritten through an automated underwriting System (DU or LP) – Rural Development Loans (GUS)</li>\r\n	<li>All borrowers MUST have a minimum representative Credit Score of 640.</li>\r\n	<li>Manual Underwrite – a loan can be manually underwritten at the lender’s discretion if there is an AUS finding of refer or if the borrower has NO FICO Score. The maximum DTI for manually underwritten loans is 36% and borrower must have 2 months PITI reserves after closing (or per product guide if greater). Follow manual underwriting guidelines for the appropriate loan product.</li>\r\n</ul>\r\n<strong>Debt Ratio for FHA, RD, VA, &amp; HUD 184</strong>\r\n<ul>\r\n	<li>Determined by First Mortgage Program not to exceed 45%.</li>\r\n	<li>Manual Underwrite/Alternative Credit Score 36% with 2 months PITI reserves after closing.</li>\r\n</ul>\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. Please see Program Summary below for details.\r\n\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>First Time Home Buyer:</strong> No first-time home buyer requirement.\r\n\r\n<strong>Home Buyer Education:</strong> Recommended but not required.\r\n\r\n<strong>Lender Compensation, Fees, and Purchase:</strong> Please review the Program Summary and Program Guidelines below for compensation, loan fees, and purchase requirements.  These documents can also be found on the Lender Portal at <a href=\"http://www.reigift100.org/\" target=\"_blank\">www.reigift100.org</a>.\r\n\r\n<strong>Forms:</strong>\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2015/12/REI-Gift100-Program-Summary-15.12.01.pdf\" target=\"_blank\">REI Gift100 Program Summary</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2015/03/2015-Area-Median-Incomes-Gift-100-Program.pdf\" target=\"_blank\">2014 Area Median Income - Gift100 Program</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2015/10/Program-Manual-15.07.pdf\" target=\"_blank\">REI Gift100 Program Guidelines</a></li>\r\n	<li><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a></li>\r\n</ul>\r\n<strong>US Bank Forms &amp; Bulletins:</strong>\r\n<ul>\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/05/USB-002-DPA-Form.pdf\" target=\"_blank\">Down Payment Assistance Form</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/05/MRBP-Government-Loan-Delivery-Checklist-pg-1.pdf\" target=\"_blank\">Delivery Checklist Form</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/05/MRB-Funding-Fee-Increase-2014-37.pdf\" target=\"_blank\">Funding Fee Increase Bulletin 2014-37</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/05/Loan-Review-Process-Reminders-2014-26.pdf\" target=\"_blank\">Loan Review Process Bulletin 2014-26</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/06/MRBP-Compliance-Audit-Reminders-2014-40.pdf\" target=\"_blank\">MRBP Compliance Audit Reminder 2014-40</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/06/MRBP_Compliance_Reminders-2014-39.pdf\" target=\"_blank\">MRBP Compliance Reminders 2014-39</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/07/MRBP-Flood-Insurance-Requirements-2014-41.pdf\" target=\"_blank\">MRBP Flood Insurance Requirements 2014-41</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/07/MRBP-Dodd-Frank-Reminders-2014-42.pdf\" target=\"_blank\">MRBP Dodd-Frank Reminders 2014-42</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/07/NMLS-Requirement-Bulletin-2014-43.pdf\" target=\"_blank\">NMLS Requirement Bulletin 2014-43</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/09/Revised-Communications-Bulletin-2014-48.pdf\" target=\"_blank\"><span class=\"title\">Revised Communications Bulletin 2014-48</span></a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/11/Amendatory-Clause-LOU-HFA-2.pdf\" target=\"_blank\">Amendatory Clause LOU - HFA 2</a></li>\r\n</ul>\r\n</ul>', 'REI Gift100 Government Loan Program', '', 'inherit', 'open', 'open', '', '431-revision-v1', '', '', '2015-12-02 21:03:12', '2015-12-02 21:03:12', '', 431, 'http://reidownpayment.org/431-revision-v1/', 0, 'revision', '', 0),
(1148, 2, '2015-12-02 21:16:36', '2015-12-02 21:16:36', 'Helping borrowers become educated homeowners is an important step in the home buying process. REI Down Payment Assistance offers America\'s Premier Online Homebuyer Education. We have two Certified Homebuyer Education Professionals, certified through the Oklahoma Homebuyer Education Association on staff available for counseling to help you better understand the home buying process.\r\n\r\nApproved source for Federal Home Loan Bank Affordable Housing Program in Oklahoma\r\n\r\nDuring the course you will learn how to:\r\n<ul>\r\n	<li>Shop for a home</li>\r\n	<li>Obtain access to credit</li>\r\n	<li>Secure a mortgage loan</li>\r\n	<li>Maintain your home</li>\r\n</ul>\r\nWhen borrowers have successfully completed the course, a Certificate of Completion will be available to print.\r\n\r\nThis valuable education is $99 per registration.  REGISTER AT <a href=\"http://www.ehomeamerica.org/reiok\" target=\"_blank\">www.ehomeamerica.org/reiok</a>', 'Homebuyer Education', '', 'inherit', 'open', 'open', '', '171-revision-v1', '', '', '2015-12-02 21:16:36', '2015-12-02 21:16:36', '', 171, 'http://reidownpayment.org/171-revision-v1/', 0, 'revision', '', 0),
(1149, 2, '2015-12-02 21:17:01', '2015-12-02 21:17:01', ' ', '', '', 'publish', 'open', 'closed', '', '1149', '', '', '2020-05-11 21:57:12', '2020-05-11 21:57:12', '', 0, 'http://reidownpayment.org/?p=1149', 5, 'nav_menu_item', '', 0),
(1150, 2, '2015-12-02 22:15:47', '2015-12-02 22:15:47', '<b>REI GIFT100 - Government\r\n</b>\r\n\r\nREI Down Payment Assistance invests in Oklahoma’s future by providing housing opportunities to low income individuals and families.  The 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.\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 Structure:</strong>\r\n\r\n<strong>Down Payment Assistance up to 5.0% of total first mortgage loan amount based on criterion below.</strong>\r\n\r\nThe down payment assistance is in the form of a gift and is based on a percentage of the total first mortgage loan amount.\r\n<ul>\r\n	<li>The funds may be used to fund up to 100% of the Borrower’s cash requirement to close, including the down payment, closing costs, pre-paid items and other related Mortgage Loan fees and expenses. No portion of the gift funds can be paid to the Borrower unless the Borrower is being reimbursed for an overage of his/her earnest money deposit to the extent the minimum Borrower contribution has been satisfied. Under the rate/term refinance option, any funds above the amount needed to pay the Borrower’s loan related costs must be used to reduce the principal amount of the First Mortgage loan.</li>\r\n</ul>\r\n<strong>FHA</strong> - Amount of Assistance/Credit Score/Underwriting:\r\n\r\nThe amount of down payment assistance available to borrowers varies based on the criterion below for FHA Loans only.\r\n\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2015/12/REI-DPA-website-credit-score-graph-01.jpg\"><img class=\"aligncenter wp-image-1137 size-large\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2015/12/REI-DPA-website-credit-score-graph-01-1024x359.jpg\" alt=\"REI DPA website credit score graph-01\" width=\"640\" height=\"224\" data-id=\"1137\" /></a>\r\n<ul>\r\n	<li> You will use the same published interest rates for the lower DPA amounts as applicable to the 3.5% or 5.0% assistance.</li>\r\n	<li>For Example: The borrower has a 660 credit score and the loan must be remanded to manual underwrite due to an AUS of refer. The borrower would receive 4.0% assistance rather than 5% assistance, so that loan would have the same interest rate as the 5% assistance interest rate for that day. The borrower would just get a reduced amount of down payment assistance.</li>\r\n	<li> Loans may be underwritten through an automated underwriting System (DU or LP)</li>\r\n	<li><strong>Manual Underwrite/Alternative Credit</strong> – a loan can be manually underwritten at the lender’s discretion if there is an AUS finding of refer or if the borrower has NO FICO Score. The maximum DTI for manually underwritten loans is 36% and borrower must have 2 months PITI reserves after closing. Follow manual underwriting guidelines for the appropriate Government loan product allowable in the program.</li>\r\n</ul>\r\n<strong>RD, HUD 184, VA - </strong>Amount of Assistance/Credit Score/Underwriting:\r\n<ul>\r\n	<li>Down Payment Assistance of 3.5% or 5.0% of the total first loan amount.</li>\r\n	<li>Loans may be underwritten through an automated underwriting System (DU or LP) – Rural Development Loans (GUS)</li>\r\n	<li>All borrowers MUST have a minimum representative Credit Score of 640.</li>\r\n	<li>Manual Underwrite – a loan can be manually underwritten at the lender’s discretion if there is an AUS finding of refer or if the borrower has NO FICO Score. The maximum DTI for manually underwritten loans is 36% and borrower must have 2 months PITI reserves after closing (or per product guide if greater). Follow manual underwriting guidelines for the appropriate loan product.</li>\r\n</ul>\r\n<strong>Debt Ratio for FHA, RD, VA, &amp; HUD 184</strong>\r\n<ul>\r\n	<li>Determined by First Mortgage Program not to exceed 45%.</li>\r\n	<li>Manual Underwrite/Alternative Credit Score 36% with 2 months PITI reserves after closing.</li>\r\n</ul>\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. Please see Program Summary below for details.\r\n\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>First Time Home Buyer:</strong> No first-time home buyer requirement.\r\n\r\n<strong>Home Buyer Education:</strong> Recommended but not required.\r\n\r\n<strong>Lender Compensation, Fees, and Purchase:</strong> Please review the Program Summary and Program Guidelines below for compensation, loan fees, and purchase requirements.  These documents can also be found on the Lender Portal at <a href=\"http://www.reigift100.org/\" target=\"_blank\">www.reigift100.org</a>.\r\n\r\n<strong>Forms:</strong>\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2015/12/REI-Gift100-Program-Summary-15.12.01.pdf\" target=\"_blank\">REI Gift100 Program Summary</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2015/03/2015-Area-Median-Incomes-Gift-100-Program.pdf\" target=\"_blank\">2014 Area Median Income - Gift100 Program</a></li>\r\n	<li><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a></li>\r\n</ul>\r\n<strong>US Bank Forms &amp; Bulletins:</strong>\r\n<ul>\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/05/USB-002-DPA-Form.pdf\" target=\"_blank\">Down Payment Assistance Form</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/05/MRBP-Government-Loan-Delivery-Checklist-pg-1.pdf\" target=\"_blank\">Delivery Checklist Form</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/05/MRB-Funding-Fee-Increase-2014-37.pdf\" target=\"_blank\">Funding Fee Increase Bulletin 2014-37</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/05/Loan-Review-Process-Reminders-2014-26.pdf\" target=\"_blank\">Loan Review Process Bulletin 2014-26</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/06/MRBP-Compliance-Audit-Reminders-2014-40.pdf\" target=\"_blank\">MRBP Compliance Audit Reminder 2014-40</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/06/MRBP_Compliance_Reminders-2014-39.pdf\" target=\"_blank\">MRBP Compliance Reminders 2014-39</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/07/MRBP-Flood-Insurance-Requirements-2014-41.pdf\" target=\"_blank\">MRBP Flood Insurance Requirements 2014-41</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/07/MRBP-Dodd-Frank-Reminders-2014-42.pdf\" target=\"_blank\">MRBP Dodd-Frank Reminders 2014-42</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/07/NMLS-Requirement-Bulletin-2014-43.pdf\" target=\"_blank\">NMLS Requirement Bulletin 2014-43</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/09/Revised-Communications-Bulletin-2014-48.pdf\" target=\"_blank\"><span class=\"title\">Revised Communications Bulletin 2014-48</span></a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/11/Amendatory-Clause-LOU-HFA-2.pdf\" target=\"_blank\">Amendatory Clause LOU - HFA 2</a></li>\r\n</ul>\r\n</ul>', 'REI Gift100 Government Loan Program', '', 'inherit', 'open', 'open', '', '431-revision-v1', '', '', '2015-12-02 22:15:47', '2015-12-02 22:15:47', '', 431, 'http://reidownpayment.org/431-revision-v1/', 0, 'revision', '', 0),
(1151, 2, '2015-12-02 22:16:21', '2015-12-02 22:16:21', '<strong>REI GIFT100 - Conventional</strong>\r\n\r\nREI Down Payment Assistance invests in Oklahoma’s future by providing housing opportunities to low income individuals and families. The statewide REI Gift100 Program provides a competitive first mortgage and down payment and closing cost assistance to eligible mortgagors. The down payment is in the form of a gift. There are no second liens or deed restrictions filed against the property. The program includes the following loan types:\r\n<ul>\r\n	<li>Fannie Mae HFA Preferred - up to 97% LTV</li>\r\n</ul>\r\nRate/term refinance on any of the above loan products.\r\n\r\n<strong>Lenders:</strong> Lenders must be approved by U.S. Bank to participate in the REI Gift100 program. Interested lenders should contact Dena Sherrill, Housing Program Manager, REI Down Payment Assistance at 1-800-658-2823 or dsherrill@reiok.org or Jeremy Layman, Housing Program Specialist at <a href=\"mailto:jlayman@reiok.org\">jlayman@reiok.org</a>.\r\n\r\n<strong>***Third Party Origination is not allowed***</strong>\r\n\r\n<strong>Program Highlights</strong>\r\n\r\n<strong>Structure:</strong> The funds may be used to fund up to 100% of the Borrower\'s cash requirement to close, including the down payment, closing costs, pre-paid items and other related Mortgage Loan fees and expenses. No portion of the gift funds can be paid to the Borrower unless the Borrower is being reimbursed for an overage of his/her earnest money deposit and pre-paid expenses to the extent the minimum Borrower contribution has been satisfied. Under the rate/term refinance option, any funds above the amount needed to pay the Borrower\'s loan related costs must be used to reduce the principal amount of the First Mortgage loan.\r\n<ul>\r\n	<li>Fannie Mae HFA Preferred\r\n<ul>\r\n	<li>Gift of 3.0, 4.0, or 5.0% of the total loan amount</li>\r\n</ul>\r\n</li>\r\n</ul>\r\n<strong>First Mortgage Origination Fee: </strong>Usual and customary at lender’s discretion.\r\n\r\n<strong>Interest rates:</strong> REI Down Payment Assistance will post First Mortgage interest rates by 9:00 a.m. C.S.T. daily on the Lender Portal at www.reigift100.org. <strong>All loans must be delivered and purchased by U.S. Bank prior within 60 days of rate lock.</strong> One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>7 days is 0.09375%</li>\r\n	<li>15 days is 0.1875%</li>\r\n	<li>22 days is 0.28125%</li>\r\n	<li>30 days is 0.375%</li>\r\n</ul>\r\n<strong>***Rates can be subject to intra-day pricing changes***</strong>\r\n\r\n<strong>Income Limits:</strong> The Borrower\'s qualifying income must not exceed Program Income Limits. Click on Area Median Income below to view income limits. They can also be found in the Lender Portal at www.reigift100.org.\r\n\r\n<strong>***Lenders will be responsible for ensuring that the income meets program guidelines.***</strong>\r\n\r\n<strong>Credit Score:</strong>\r\n<ul>\r\n	<li>Loan to Value (LTV) of 95.01% - 97% - minimum credit score of 680</li>\r\n	<li>Loan to Value (LTV) =&lt;95% - minimum credit score of 640</li>\r\n</ul>\r\n<strong>Maximum DTI:</strong> 45% no exceptions. See Program Summary below for more specific underwriting and/or manual underwriting details.\r\n\r\n<strong>Mortgage Insurance: </strong>Approved MI Companies are Arch, Essent, Genworth, MGIC, Radian, and United Guaranty\r\n\r\n<strong>MI Coverage:</strong>\r\n18% for LTVs &gt;95% and &lt; = 97%\r\n16% for LTVs &gt;90% and &lt;= 95%\r\n12% for LTVs &gt;85% and &lt;= 90%\r\n6% for LTVs &gt;80% and &lt;= 85%\r\n\r\n<strong>Seller Contributions:</strong> 3% Maximum for CLTV Greater than 90% and 6% maximum of CLTV less than or equal to 90%. May be used for closing costs and/or single or split MI premiums\r\n\r\n<strong>First Time Home Buyer:</strong> No first-time home buyer requirement, however the borrower cannot as of the note date, have any individual or joint ownership interest in any other residential properties.\r\n\r\n<strong>Home Buyer Education:</strong>\r\n<ul>\r\n	<li>Loan to Value (LTV) of 95.01% - 97% - Homebuyer Education is required for at least one borrower.</li>\r\n	<li>Loan to Value (LTV) =&lt; 95% - Homebuyer Education only required if all borrowers are first-time homebuyers. In that event, at least one homeowner must complete pre-purchase homebuyer education and counseling.</li>\r\n</ul>\r\n<strong>REI can provide Homebuyer Education through EHome America, please click on the following link to take the online course. The cost is $99.00.</strong>\r\n\r\n<a href=\"http://www.ehomeamerica.org/reiok\">www.ehomeamerica.org/reiok</a>\r\n<ul>\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2015/08/REI-Gift100-Fannie-Mae-Conventional-Program-Summary-15.06.26.pdf\" target=\"_blank\">REI Gift100 Program Summary</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2015/06/2015-Area-Median-Incomes-Conventional1.pdf\" target=\"_blank\">2015 Area Median Income – Gift100 Program</a></li>\r\n</ul>\r\n</ul>\r\n&nbsp;', 'REI Gift100 Conventional Loan Program', '', 'inherit', 'open', 'open', '', '217-revision-v1', '', '', '2015-12-02 22:16:21', '2015-12-02 22:16:21', '', 217, 'http://reidownpayment.org/217-revision-v1/', 0, 'revision', '', 0),
(1152, 2, '2015-12-03 15:10:05', '2015-12-03 15:10:05', 'All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock. One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>  7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-12-03 15:10:05', '2015-12-03 15:10:05', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1153, 2, '2015-12-04 15:06:36', '2015-12-04 15:06:36', 'All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock. One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>  7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-12-04 15:06:36', '2015-12-04 15:06:36', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0);
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(1154, 2, '2015-12-07 15:09:42', '2015-12-07 15:09:42', 'All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock. One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>  7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-12-07 15:09:42', '2015-12-07 15:09:42', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1155, 2, '2015-12-08 15:03:13', '2015-12-08 15:03:13', 'All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock. One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>  7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-12-08 15:03:13', '2015-12-08 15:03:13', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1156, 2, '2015-12-09 15:03:09', '2015-12-09 15:03:09', 'All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock. One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>  7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-12-09 15:03:09', '2015-12-09 15:03:09', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1158, 2, '2015-12-10 15:01:17', '2015-12-10 15:01:17', 'All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock. One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>  7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-12-10 15:01:17', '2015-12-10 15:01:17', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1159, 2, '2015-12-11 15:00:49', '2015-12-11 15:00:49', 'All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock. One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>  7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'open', 'open', '', '215-revision-v1', '', '', '2015-12-11 15:00:49', '2015-12-11 15:00:49', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1160, 2, '2015-12-14 15:03:00', '2015-12-14 15:03:00', 'All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock. One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>  7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'closed', 'closed', '', '215-revision-v1', '', '', '2015-12-14 15:03:00', '2015-12-14 15:03:00', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1161, 2, '2015-12-15 14:59:42', '2015-12-15 14:59:42', 'All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock. One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>  7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'closed', 'closed', '', '215-revision-v1', '', '', '2015-12-15 14:59:42', '2015-12-15 14:59:42', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1162, 2, '2015-12-16 14:54:39', '2015-12-16 14:54:39', 'All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock. One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>  7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'closed', 'closed', '', '215-revision-v1', '', '', '2015-12-16 14:54:39', '2015-12-16 14:54:39', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1163, 2, '2015-12-17 15:04:05', '2015-12-17 15:04:05', 'All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock. One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>  7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'closed', 'closed', '', '215-revision-v1', '', '', '2015-12-17 15:04:05', '2015-12-17 15:04:05', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1165, 2, '2015-12-18 15:32:38', '2015-12-18 15:32:38', 'All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock. One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>  7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'closed', 'closed', '', '215-revision-v1', '', '', '2015-12-18 15:32:38', '2015-12-18 15:32:38', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1166, 2, '2015-12-21 14:59:43', '2015-12-21 14:59:43', 'All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock. One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>  7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'closed', 'closed', '', '215-revision-v1', '', '', '2015-12-21 14:59:43', '2015-12-21 14:59:43', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1167, 2, '2015-12-22 14:57:23', '2015-12-22 14:57:23', 'All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock. One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>  7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'closed', 'closed', '', '215-revision-v1', '', '', '2015-12-22 14:57:23', '2015-12-22 14:57:23', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1168, 2, '2015-12-23 15:02:41', '2015-12-23 15:02:41', 'All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock. One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>  7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'closed', 'closed', '', '215-revision-v1', '', '', '2015-12-23 15:02:41', '2015-12-23 15:02:41', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1170, 2, '2015-12-28 15:10:32', '2015-12-28 15:10:32', 'All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock. One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>  7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'closed', 'closed', '', '215-revision-v1', '', '', '2015-12-28 15:10:32', '2015-12-28 15:10:32', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1171, 2, '2015-12-29 15:01:08', '2015-12-29 15:01:08', 'All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock. One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>  7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'closed', 'closed', '', '215-revision-v1', '', '', '2015-12-29 15:01:08', '2015-12-29 15:01:08', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1172, 2, '2015-12-30 15:12:56', '2015-12-30 15:12:56', 'All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock. One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>  7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'closed', 'closed', '', '215-revision-v1', '', '', '2015-12-30 15:12:56', '2015-12-30 15:12:56', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1173, 2, '2015-12-31 15:03:47', '2015-12-31 15:03:47', 'All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock. One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>  7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'closed', 'closed', '', '215-revision-v1', '', '', '2015-12-31 15:03:47', '2015-12-31 15:03:47', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1174, 2, '2016-01-04 15:01:30', '2016-01-04 15:01:30', 'All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock. One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>  7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'closed', 'closed', '', '215-revision-v1', '', '', '2016-01-04 15:01:30', '2016-01-04 15:01:30', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1176, 2, '2016-01-05 15:04:12', '2016-01-05 15:04:12', 'All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock. One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>  7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'closed', 'closed', '', '215-revision-v1', '', '', '2016-01-05 15:04:12', '2016-01-05 15:04:12', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1177, 2, '2016-01-06 14:57:06', '2016-01-06 14:57:06', 'All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock. One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>  7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'closed', 'closed', '', '215-revision-v1', '', '', '2016-01-06 14:57:06', '2016-01-06 14:57:06', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1178, 2, '2016-01-07 14:58:27', '2016-01-07 14:58:27', 'All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock. One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>  7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'closed', 'closed', '', '215-revision-v1', '', '', '2016-01-07 14:58:27', '2016-01-07 14:58:27', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1179, 2, '2016-01-08 15:03:37', '2016-01-08 15:03:37', 'All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock. One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>  7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'closed', 'closed', '', '215-revision-v1', '', '', '2016-01-08 15:03:37', '2016-01-08 15:03:37', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1180, 2, '2016-01-08 15:04:29', '2016-01-08 15:04:29', 'All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock. One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>  7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'closed', 'closed', '', '215-revision-v1', '', '', '2016-01-08 15:04:29', '2016-01-08 15:04:29', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1181, 2, '2016-01-08 15:04:52', '2016-01-08 15:04:52', 'All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock. One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>  7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'closed', 'closed', '', '215-revision-v1', '', '', '2016-01-08 15:04:52', '2016-01-08 15:04:52', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1182, 2, '2016-01-11 15:04:23', '2016-01-11 15:04:23', 'All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock. One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>  7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'closed', 'closed', '', '215-revision-v1', '', '', '2016-01-11 15:04:23', '2016-01-11 15:04:23', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1183, 2, '2016-01-12 14:56:55', '2016-01-12 14:56:55', 'All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock. One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>  7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'closed', 'closed', '', '215-revision-v1', '', '', '2016-01-12 14:56:55', '2016-01-12 14:56:55', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1185, 2, '2016-01-13 15:03:10', '2016-01-13 15:03:10', 'All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock. One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>  7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'closed', 'closed', '', '215-revision-v1', '', '', '2016-01-13 15:03:10', '2016-01-13 15:03:10', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1186, 2, '2016-01-14 14:56:51', '2016-01-14 14:56:51', 'All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock. One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>  7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'closed', 'closed', '', '215-revision-v1', '', '', '2016-01-14 14:56:51', '2016-01-14 14:56:51', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1187, 2, '2016-01-15 14:58:33', '2016-01-15 14:58:33', 'All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock. One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>  7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'closed', 'closed', '', '215-revision-v1', '', '', '2016-01-15 14:58:33', '2016-01-15 14:58:33', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1188, 2, '2016-01-19 14:54:50', '2016-01-19 14:54:50', 'All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock. One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>  7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'closed', 'closed', '', '215-revision-v1', '', '', '2016-01-19 14:54:50', '2016-01-19 14:54:50', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1189, 2, '2016-01-20 14:53:16', '2016-01-20 14:53:16', 'All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock. One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>  7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'closed', 'closed', '', '215-revision-v1', '', '', '2016-01-20 14:53:16', '2016-01-20 14:53:16', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1191, 2, '2016-01-21 14:57:05', '2016-01-21 14:57:05', 'All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock. One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>  7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'closed', 'closed', '', '215-revision-v1', '', '', '2016-01-21 14:57:05', '2016-01-21 14:57:05', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1192, 2, '2016-01-22 15:05:17', '2016-01-22 15:05:17', 'All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock. One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>  7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'closed', 'closed', '', '215-revision-v1', '', '', '2016-01-22 15:05:17', '2016-01-22 15:05:17', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1193, 2, '2016-01-25 15:03:52', '2016-01-25 15:03:52', 'All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock. One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>  7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'closed', 'closed', '', '215-revision-v1', '', '', '2016-01-25 15:03:52', '2016-01-25 15:03:52', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1194, 2, '2016-01-26 14:53:51', '2016-01-26 14:53:51', 'All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock. One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>  7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'closed', 'closed', '', '215-revision-v1', '', '', '2016-01-26 14:53:51', '2016-01-26 14:53:51', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1195, 2, '2016-01-27 15:01:10', '2016-01-27 15:01:10', 'All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock. One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>  7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'closed', 'closed', '', '215-revision-v1', '', '', '2016-01-27 15:01:10', '2016-01-27 15:01:10', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1196, 2, '2016-01-28 14:50:55', '2016-01-28 14:50:55', 'All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock. One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>  7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'closed', 'closed', '', '215-revision-v1', '', '', '2016-01-28 14:50:55', '2016-01-28 14:50:55', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1198, 2, '2016-01-29 14:52:00', '2016-01-29 14:52:00', 'All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock. One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>  7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'closed', 'closed', '', '215-revision-v1', '', '', '2016-01-29 14:52:00', '2016-01-29 14:52:00', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1199, 2, '2016-02-01 15:10:08', '2016-02-01 15:10:08', 'All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock. One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>  7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'closed', 'closed', '', '215-revision-v1', '', '', '2016-02-01 15:10:08', '2016-02-01 15:10:08', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1200, 2, '2016-02-01 15:44:47', '2016-02-01 15:44:47', '', 'REI Gift100 Program Summary 16.2.01', '', 'inherit', 'open', 'closed', '', 'rei-gift100-program-summary-16-2-01', '', '', '2016-02-01 15:44:47', '2016-02-01 15:44:47', '', 0, 'http://reidownpayment.org/wp/wp-content/uploads/2016/02/REI-Gift100-Program-Summary-16.2.01.pdf', 0, 'attachment', 'application/pdf', 0),
(1201, 2, '2016-02-01 15:44:49', '2016-02-01 15:44:49', '', 'REI Gift100 Fannie Mae Conventional Program Summary 16.2.01', '', 'inherit', 'open', 'closed', '', 'rei-gift100-fannie-mae-conventional-program-summary-16-2-01', '', '', '2016-02-01 15:44:49', '2016-02-01 15:44:49', '', 0, 'http://reidownpayment.org/wp/wp-content/uploads/2016/02/REI-Gift100-Fannie-Mae-Conventional-Program-Summary-16.2.01.pdf', 0, 'attachment', 'application/pdf', 0),
(1202, 2, '2016-02-01 15:45:25', '2016-02-01 15:45:25', '<strong>REI GIFT100 - Conventional</strong>\r\n\r\nREI Down Payment Assistance invests in Oklahoma’s future by providing housing opportunities to low income individuals and families. The statewide REI Gift100 Program provides a competitive first mortgage and down payment and closing cost assistance to eligible mortgagors. The down payment is in the form of a gift. There are no second liens or deed restrictions filed against the property. The program includes the following loan types:\r\n<ul>\r\n	<li>Fannie Mae HFA Preferred - up to 97% LTV</li>\r\n</ul>\r\nRate/term refinance on any of the above loan products.\r\n\r\n<strong>Lenders:</strong> Lenders must be approved by U.S. Bank to participate in the REI Gift100 program. Interested lenders should contact Dena Sherrill, Housing Program Manager, REI Down Payment Assistance at 1-800-658-2823 or dsherrill@reiok.org or Jeremy Layman, Housing Program Specialist at <a href=\"mailto:jlayman@reiok.org\">jlayman@reiok.org</a>.\r\n\r\n<strong>***Third Party Origination is not allowed***</strong>\r\n\r\n<strong>Program Highlights</strong>\r\n\r\n<strong>Structure:</strong> The funds may be used to fund up to 100% of the Borrower\'s cash requirement to close, including the down payment, closing costs, pre-paid items and other related Mortgage Loan fees and expenses. No portion of the gift funds can be paid to the Borrower unless the Borrower is being reimbursed for an overage of his/her earnest money deposit and pre-paid expenses to the extent the minimum Borrower contribution has been satisfied. Under the rate/term refinance option, any funds above the amount needed to pay the Borrower\'s loan related costs must be used to reduce the principal amount of the First Mortgage loan.\r\n<ul>\r\n	<li>Fannie Mae HFA Preferred\r\n<ul>\r\n	<li>Gift of 3.0, 4.0, or 5.0% of the total loan amount</li>\r\n</ul>\r\n</li>\r\n</ul>\r\n<strong>First Mortgage Origination Fee: </strong>Usual and customary at lender’s discretion.\r\n\r\n<strong>Interest rates:</strong> REI Down Payment Assistance will post First Mortgage interest rates by 9:00 a.m. C.S.T. daily on the Lender Portal at www.reigift100.org. <strong>All loans must be delivered and purchased by U.S. Bank prior within 60 days of rate lock.</strong> One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>7 days is 0.09375%</li>\r\n	<li>15 days is 0.1875%</li>\r\n	<li>22 days is 0.28125%</li>\r\n	<li>30 days is 0.375%</li>\r\n</ul>\r\n<strong>***Rates can be subject to intra-day pricing changes***</strong>\r\n\r\n<strong>Income Limits:</strong> The Borrower\'s qualifying income must not exceed Program Income Limits. Click on Area Median Income below to view income limits. They can also be found in the Lender Portal at www.reigift100.org.\r\n\r\n<strong>***Lenders will be responsible for ensuring that the income meets program guidelines.***</strong>\r\n\r\n<strong>Credit Score:</strong>\r\n<ul>\r\n	<li>Loan to Value (LTV) of 95.01% - 97% - minimum credit score of 680</li>\r\n	<li>Loan to Value (LTV) =&lt;95% - minimum credit score of 640</li>\r\n</ul>\r\n<strong>Maximum DTI:</strong> 45% no exceptions. See Program Summary below for more specific underwriting and/or manual underwriting details.\r\n\r\n<strong>Mortgage Insurance: </strong>Approved MI Companies are Arch, Essent, Genworth, MGIC, Radian, and United Guaranty\r\n\r\n<strong>MI Coverage:</strong>\r\n18% for LTVs &gt;95% and &lt; = 97%\r\n16% for LTVs &gt;90% and &lt;= 95%\r\n12% for LTVs &gt;85% and &lt;= 90%\r\n6% for LTVs &gt;80% and &lt;= 85%\r\n\r\n<strong>Seller Contributions:</strong> 3% Maximum for CLTV Greater than 90% and 6% maximum of CLTV less than or equal to 90%. May be used for closing costs and/or single or split MI premiums\r\n\r\n<strong>First Time Home Buyer:</strong> No first-time home buyer requirement, however the borrower cannot as of the note date, have any individual or joint ownership interest in any other residential properties.\r\n\r\n<strong>Home Buyer Education:</strong>\r\n<ul>\r\n	<li>Loan to Value (LTV) of 95.01% - 97% - Homebuyer Education is required for at least one borrower.</li>\r\n	<li>Loan to Value (LTV) =&lt; 95% - Homebuyer Education only required if all borrowers are first-time homebuyers. In that event, at least one homeowner must complete pre-purchase homebuyer education and counseling.</li>\r\n</ul>\r\n<strong>REI can provide Homebuyer Education through EHome America, please click on the following link to take the online course. The cost is $99.00.</strong>\r\n\r\n<a href=\"http://www.ehomeamerica.org/reiok\">www.ehomeamerica.org/reiok</a>\r\n<ul>\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2016/02/REI-Gift100-Fannie-Mae-Conventional-Program-Summary-16.2.01.pdf\" target=\"_blank\">REI Gift100 Program Summary</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2015/06/2015-Area-Median-Incomes-Conventional1.pdf\" target=\"_blank\">2015 Area Median Income – Gift100 Program</a></li>\r\n</ul>\r\n</ul>\r\n&nbsp;', 'REI Gift100 Conventional Loan Program', '', 'inherit', 'closed', 'closed', '', '217-revision-v1', '', '', '2016-02-01 15:45:25', '2016-02-01 15:45:25', '', 217, 'http://reidownpayment.org/217-revision-v1/', 0, 'revision', '', 0),
(1203, 2, '2016-02-01 15:46:04', '2016-02-01 15:46:04', '<b>REI GIFT100 - Government\r\n</b>\r\n\r\nREI Down Payment Assistance invests in Oklahoma’s future by providing housing opportunities to low income individuals and families.  The 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.\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 Structure:</strong>\r\n\r\n<strong>Down Payment Assistance up to 5.0% of total first mortgage loan amount based on criterion below.</strong>\r\n\r\nThe down payment assistance is in the form of a gift and is based on a percentage of the total first mortgage loan amount.\r\n<ul>\r\n	<li>The funds may be used to fund up to 100% of the Borrower’s cash requirement to close, including the down payment, closing costs, pre-paid items and other related Mortgage Loan fees and expenses. No portion of the gift funds can be paid to the Borrower unless the Borrower is being reimbursed for an overage of his/her earnest money deposit to the extent the minimum Borrower contribution has been satisfied. Under the rate/term refinance option, any funds above the amount needed to pay the Borrower’s loan related costs must be used to reduce the principal amount of the First Mortgage loan.</li>\r\n</ul>\r\n<strong>FHA</strong> - Amount of Assistance/Credit Score/Underwriting:\r\n\r\nThe amount of down payment assistance available to borrowers varies based on the criterion below for FHA Loans only.\r\n\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2015/12/REI-DPA-website-credit-score-graph-01.jpg\"><img class=\"aligncenter wp-image-1137 size-large\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2015/12/REI-DPA-website-credit-score-graph-01-1024x359.jpg\" alt=\"REI DPA website credit score graph-01\" width=\"640\" height=\"224\" data-id=\"1137\" /></a>\r\n<ul>\r\n	<li> You will use the same published interest rates for the lower DPA amounts as applicable to the 3.5% or 5.0% assistance.</li>\r\n	<li>For Example: The borrower has a 660 credit score and the loan must be remanded to manual underwrite due to an AUS of refer. The borrower would receive 4.0% assistance rather than 5% assistance, so that loan would have the same interest rate as the 5% assistance interest rate for that day. The borrower would just get a reduced amount of down payment assistance.</li>\r\n	<li> Loans may be underwritten through an automated underwriting System (DU or LP)</li>\r\n	<li><strong>Manual Underwrite/Alternative Credit</strong> – a loan can be manually underwritten at the lender’s discretion if there is an AUS finding of refer or if the borrower has NO FICO Score. The maximum DTI for manually underwritten loans is 36% and borrower must have 2 months PITI reserves after closing. Follow manual underwriting guidelines for the appropriate Government loan product allowable in the program.</li>\r\n</ul>\r\n<strong>RD, HUD 184, VA - </strong>Amount of Assistance/Credit Score/Underwriting:\r\n<ul>\r\n	<li>Down Payment Assistance of 3.5% or 5.0% of the total first loan amount.</li>\r\n	<li>Loans may be underwritten through an automated underwriting System (DU or LP) – Rural Development Loans (GUS)</li>\r\n	<li>All borrowers MUST have a minimum representative Credit Score of 640.</li>\r\n	<li>Manual Underwrite – a loan can be manually underwritten at the lender’s discretion if there is an AUS finding of refer or if the borrower has NO FICO Score. The maximum DTI for manually underwritten loans is 36% and borrower must have 2 months PITI reserves after closing (or per product guide if greater). Follow manual underwriting guidelines for the appropriate loan product.</li>\r\n</ul>\r\n<strong>Debt Ratio for FHA, RD, VA, &amp; HUD 184</strong>\r\n<ul>\r\n	<li>Determined by First Mortgage Program not to exceed 45%.</li>\r\n	<li>Manual Underwrite/Alternative Credit Score 36% with 2 months PITI reserves after closing.</li>\r\n</ul>\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. Please see Program Summary below for details.\r\n\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>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/2016/02/REI-Gift100-Program-Summary-16.2.01.pdf\" target=\"_blank\">REI Gift100 Program Summary</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2015/03/2015-Area-Median-Incomes-Gift-100-Program.pdf\" target=\"_blank\">2014 Area Median Income - Gift100 Program</a></li>\r\n	<li><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a></li>\r\n</ul>\r\n<strong>US Bank Forms &amp; Bulletins:</strong>\r\n<ul>\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/05/USB-002-DPA-Form.pdf\" target=\"_blank\">Down Payment Assistance Form</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/05/MRBP-Government-Loan-Delivery-Checklist-pg-1.pdf\" target=\"_blank\">Delivery Checklist Form</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/05/MRB-Funding-Fee-Increase-2014-37.pdf\" target=\"_blank\">Funding Fee Increase Bulletin 2014-37</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/05/Loan-Review-Process-Reminders-2014-26.pdf\" target=\"_blank\">Loan Review Process Bulletin 2014-26</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/06/MRBP-Compliance-Audit-Reminders-2014-40.pdf\" target=\"_blank\">MRBP Compliance Audit Reminder 2014-40</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/06/MRBP_Compliance_Reminders-2014-39.pdf\" target=\"_blank\">MRBP Compliance Reminders 2014-39</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/07/MRBP-Flood-Insurance-Requirements-2014-41.pdf\" target=\"_blank\">MRBP Flood Insurance Requirements 2014-41</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/07/MRBP-Dodd-Frank-Reminders-2014-42.pdf\" target=\"_blank\">MRBP Dodd-Frank Reminders 2014-42</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/07/NMLS-Requirement-Bulletin-2014-43.pdf\" target=\"_blank\">NMLS Requirement Bulletin 2014-43</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/09/Revised-Communications-Bulletin-2014-48.pdf\" target=\"_blank\"><span class=\"title\">Revised Communications Bulletin 2014-48</span></a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/11/Amendatory-Clause-LOU-HFA-2.pdf\" target=\"_blank\">Amendatory Clause LOU - HFA 2</a></li>\r\n</ul>\r\n</ul>', 'REI Gift100 Government Loan Program', '', 'inherit', 'closed', 'closed', '', '431-revision-v1', '', '', '2016-02-01 15:46:04', '2016-02-01 15:46:04', '', 431, 'http://reidownpayment.org/431-revision-v1/', 0, 'revision', '', 0),
(1204, 2, '2016-02-01 19:34:49', '2016-02-01 19:34:49', '<strong>REI GIFT100 - Conventional</strong>\r\n\r\nREI Down Payment Assistance invests in Oklahoma’s future by providing housing opportunities to low income individuals and families. The statewide REI Gift100 Program provides a competitive first mortgage and down payment and closing cost assistance to eligible mortgagors. The down payment is in the form of a gift. There are no second liens or deed restrictions filed against the property. The program includes the following loan types:\r\n<ul>\r\n	<li>Fannie Mae HFA Preferred - up to 97% LTV</li>\r\n</ul>\r\nRate/term refinance on any of the above loan products.\r\n\r\n<strong>Lenders:</strong> Lenders must be approved by U.S. Bank to participate in the REI Gift100 program. Interested lenders should contact Dena Sherrill, Housing Program Manager, REI Down Payment Assistance at 1-800-658-2823 or dsherrill@reiok.org or Jeremy Layman, Housing Program Specialist at <a href=\"mailto:jlayman@reiok.org\">jlayman@reiok.org</a>.\r\n\r\n<strong>***Third Party Origination is not allowed***</strong>\r\n\r\n<strong>Program Highlights</strong>\r\n\r\n<strong>Structure:</strong> The funds may be used to fund up to 100% of the Borrower\'s cash requirement to close, including the down payment, closing costs, pre-paid items and other related Mortgage Loan fees and expenses. No portion of the gift funds can be paid to the Borrower unless the Borrower is being reimbursed for an overage of his/her earnest money deposit and pre-paid expenses to the extent the minimum Borrower contribution has been satisfied. Under the rate/term refinance option, any funds above the amount needed to pay the Borrower\'s loan related costs must be used to reduce the principal amount of the First Mortgage loan.\r\n<ul>\r\n	<li>Fannie Mae HFA Preferred\r\n<ul>\r\n	<li>Gift of 3.0, 4.0, or 5.0% of the total loan amount</li>\r\n</ul>\r\n</li>\r\n</ul>\r\n<strong>First Mortgage Origination Fee: </strong>Usual and customary at lender’s discretion.\r\n\r\n<strong>Interest rates:</strong> REI Down Payment Assistance will post First Mortgage interest rates by 9:00 a.m. C.S.T. daily on the Lender Portal at www.reigift100.org. <strong>All loans must be delivered and purchased by U.S. Bank prior within 60 days of rate lock.</strong> One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>7 days is 0.09375%</li>\r\n	<li>15 days is 0.1875%</li>\r\n	<li>22 days is 0.28125%</li>\r\n	<li>30 days is 0.375%</li>\r\n</ul>\r\n<strong>***Rates can be subject to intra-day pricing changes***</strong>\r\n\r\n<strong>Income Limits:</strong> The Borrower\'s qualifying income must not exceed Program Income Limits. Click on Area Median Income below to view income limits. They can also be found in the Lender Portal at www.reigift100.org.\r\n\r\n<strong>***Lenders will be responsible for ensuring that the income meets program guidelines.***</strong>\r\n\r\n<strong>Credit Score:</strong>\r\n<ul>\r\n	<li>Loan to Value (LTV) of 95.01% - 97% - minimum credit score of 680</li>\r\n	<li>Loan to Value (LTV) =&lt;95% - minimum credit score of 640</li>\r\n</ul>\r\n<strong>Maximum DTI:</strong> 45% no exceptions. See Program Summary below for more specific underwriting and/or manual underwriting details.\r\n\r\n<strong>Mortgage Insurance: </strong>Approved MI Companies are Arch, Essent, Genworth, MGIC, Radian, and United Guaranty\r\n\r\n<strong>MI Coverage:</strong>\r\n18% for LTVs &gt;95% and &lt; = 97%\r\n16% for LTVs &gt;90% and &lt;= 95%\r\n12% for LTVs &gt;85% and &lt;= 90%\r\n6% for LTVs &gt;80% and &lt;= 85%\r\n\r\n<strong>Seller Contributions:</strong> 3% Maximum for CLTV Greater than 90% and 6% maximum of CLTV less than or equal to 90%. May be used for closing costs and/or single or split MI premiums\r\n\r\n<strong>First Time Home Buyer:</strong> No first-time home buyer requirement, however the borrower cannot as of the note date, have any individual or joint ownership interest in any other residential properties.\r\n\r\n<strong>Home Buyer Education:</strong>\r\n<ul>\r\n	<li>Loan to Value (LTV) of 95.01% - 97% - Homebuyer Education is required for at least one borrower.</li>\r\n	<li>Loan to Value (LTV) =&lt; 95% - Homebuyer Education only required if all borrowers are first-time homebuyers. In that event, at least one homeowner must complete pre-purchase homebuyer education and counseling.</li>\r\n</ul>\r\n<strong>REI can provide Homebuyer Education through EHome America, please click on the following link to take the online course. The cost is $99.00.</strong>\r\n\r\n<a href=\"http://www.ehomeamerica.org/reiok\">www.ehomeamerica.org/reiok</a>\r\n<ul>\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2016/02/REI-Gift100-Fannie-Mae-Conventional-Program-Summary-16.2.01.pdf\" target=\"_blank\">REI Gift100 Conventional Program Summary</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2015/06/2015-Area-Median-Incomes-Conventional1.pdf\" target=\"_blank\">2015 Area Median Income – Gift100 Program</a></li>\r\n</ul>\r\n</ul>\r\n&nbsp;', 'REI Gift100 Conventional Loan Program', '', 'inherit', 'closed', 'closed', '', '217-revision-v1', '', '', '2016-02-01 19:34:49', '2016-02-01 19:34:49', '', 217, 'http://reidownpayment.org/217-revision-v1/', 0, 'revision', '', 0);
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(1205, 2, '2016-02-01 20:10:37', '2016-02-01 20:10:37', '<b>REI GIFT100 - Government\r\n</b>\r\n\r\nREI Down Payment Assistance invests in Oklahoma’s future by providing housing opportunities to low income individuals and families.  The 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.\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 Structure:</strong>\r\n\r\nThe down payment assistance is in the form of a gift and is based on a percentage of the total first mortgage loan amount.\r\n<ul>\r\n	<li>The funds may be used to fund up to 100% of the Borrower’s cash requirement to close, including the down payment, closing costs, pre-paid items and other related Mortgage Loan fees and expenses. No portion of the gift funds can be paid to the Borrower unless the Borrower is being reimbursed for an overage of his/her earnest money deposit to the extent the minimum Borrower contribution has been satisfied. Under the rate/term refinance option, any funds above the amount needed to pay the Borrower’s loan related costs must be used to reduce the principal amount of the First Mortgage loan.</li>\r\n</ul>\r\n<strong>FHA, RD, HUD 184, VA - </strong>Amount of Assistance/Credit Score/Underwriting:\r\n<ul>\r\n	<li>Down Payment Assistance of 3.5% or 5.0% of the total first loan amount.</li>\r\n	<li>Loans may be underwritten through an automated underwriting System (DU or LP) – Rural Development Loans (GUS)</li>\r\n	<li>All borrowers MUST have a minimum representative Credit Score of 640.</li>\r\n	<li>Manual Underwrite – a loan can be manually underwritten at the lender’s discretion if there is an AUS finding of refer or if the borrower has NO FICO Score. The maximum DTI for manually underwritten loans is 36% and borrower must have 2 months PITI reserves after closing (or per product guide if greater). Follow manual underwriting guidelines for the appropriate loan product.</li>\r\n</ul>\r\n<strong>Debt Ratio for FHA, RD, VA, &amp; HUD 184</strong>\r\n<ul>\r\n	<li>Determined by First Mortgage Program not to exceed 45%.</li>\r\n	<li>Manual Underwrite/Alternative Credit Score 36% with 2 months PITI reserves after closing.</li>\r\n</ul>\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. Please see Program Summary below for details.\r\n\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>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/2016/02/REI-Gift100-Program-Summary-16.2.01.pdf\" target=\"_blank\">REI Gift100 Program Summary</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2015/03/2015-Area-Median-Incomes-Gift-100-Program.pdf\" target=\"_blank\">2014 Area Median Income - Gift100 Program</a></li>\r\n	<li><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a></li>\r\n</ul>\r\n<strong>US Bank Forms &amp; Bulletins:</strong>\r\n<ul>\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/05/USB-002-DPA-Form.pdf\" target=\"_blank\">US Bank Down Payment Assistance Form</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/05/MRBP-Government-Loan-Delivery-Checklist-pg-1.pdf\" target=\"_blank\">Delivery Checklist Form</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/05/MRB-Funding-Fee-Increase-2014-37.pdf\" target=\"_blank\">Funding Fee Increase Bulletin 2014-37</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/05/Loan-Review-Process-Reminders-2014-26.pdf\" target=\"_blank\">Loan Review Process Bulletin 2014-26</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/06/MRBP-Compliance-Audit-Reminders-2014-40.pdf\" target=\"_blank\">MRBP Compliance Audit Reminder 2014-40</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/06/MRBP_Compliance_Reminders-2014-39.pdf\" target=\"_blank\">MRBP Compliance Reminders 2014-39</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/07/MRBP-Flood-Insurance-Requirements-2014-41.pdf\" target=\"_blank\">MRBP Flood Insurance Requirements 2014-41</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/07/MRBP-Dodd-Frank-Reminders-2014-42.pdf\" target=\"_blank\">MRBP Dodd-Frank Reminders 2014-42</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/07/NMLS-Requirement-Bulletin-2014-43.pdf\" target=\"_blank\">NMLS Requirement Bulletin 2014-43</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/09/Revised-Communications-Bulletin-2014-48.pdf\" target=\"_blank\"><span class=\"title\">Revised Communications Bulletin 2014-48</span></a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/11/Amendatory-Clause-LOU-HFA-2.pdf\" target=\"_blank\">Amendatory Clause LOU - HFA 2</a></li>\r\n</ul>\r\n</ul>', 'REI Gift100 Government Loan Program', '', 'inherit', 'closed', 'closed', '', '431-revision-v1', '', '', '2016-02-01 20:10:37', '2016-02-01 20:10:37', '', 431, 'http://reidownpayment.org/431-revision-v1/', 0, 'revision', '', 0),
(1206, 2, '2016-02-02 15:02:11', '2016-02-02 15:02:11', 'All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock. One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>  7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'closed', 'closed', '', '215-revision-v1', '', '', '2016-02-02 15:02:11', '2016-02-02 15:02:11', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1207, 2, '2016-02-04 15:09:15', '2016-02-04 15:09:15', 'All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock. One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>  7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'closed', 'closed', '', '215-revision-v1', '', '', '2016-02-04 15:09:15', '2016-02-04 15:09:15', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1208, 2, '2016-02-05 15:09:00', '2016-02-05 15:09:00', 'All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock. One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>  7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'closed', 'closed', '', '215-revision-v1', '', '', '2016-02-05 15:09:00', '2016-02-05 15:09:00', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1210, 2, '2016-02-08 14:59:55', '2016-02-08 14:59:55', 'All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock. One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>  7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'closed', 'closed', '', '215-revision-v1', '', '', '2016-02-08 14:59:55', '2016-02-08 14:59:55', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1211, 2, '2016-02-08 17:53:14', '2016-02-08 17:53:14', '<img class=\"size-full wp-image-146 alignright\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/homebuyers-pic-1.png\" alt=\"homebuyers-pic-1\" width=\"348\" height=\"348\" />\r\n<div lang=\"EN-US\">\r\n\r\nREI Down Payment Assistance provides down payment and closing cost assistance to eligible borrowers through partnerships with lenders across the state. The programs are developed for people who have good jobs and the ability to re-pay a loan, but have not been able to save for the down payment or closing costs on a home.\r\n\r\nThe statewide REI Gift100 Program provides a competitive first mortgage and down payment/closing cost assistance to eligible mortgagors. The down payment is in the form of a gift that you are not required to pay back and there will not be second liens or deed restrictions against your property. This program can be used with the following loan types:\r\n<ul>\r\n	<li>FHA</li>\r\n	<li>VA</li>\r\n	<li>Rural Development</li>\r\n	<li>HUD Section 184</li>\r\n	<li>Fannie Mae HFA Preferred</li>\r\n</ul>\r\nRate/term refinance on any of the above loan products.\r\n\r\n<strong>Program Highlights:</strong>\r\n\r\n<strong>Structure: </strong>The funds may be used to fund up to 100% of the Borrower\'s cash requirement to close, including the down payment, closing costs, pre-paid items and other related mortgage loan fees and expenses. The following is a breakdown of the assistance available:\r\n<ul>\r\n	<li>FHA\r\n<ul>\r\n	<li>Gift of up to 5.0% of the total loan amount. The amount of assistance varies based on credit score and underwriting.</li>\r\n</ul>\r\n</li>\r\n	<li>VA, Rural Development &amp; HUD Section 184\r\n<ul>\r\n	<li>Gift of 3.5% or 5.0% of the total loan amount</li>\r\n</ul>\r\n</li>\r\n	<li>Fannie Mae HFA Preferred\r\n<ul>\r\n	<li>Gift of 3.0, 4.0, or 5.0% of the total loan amount</li>\r\n</ul>\r\n</li>\r\n</ul>\r\n<strong>Lenders:</strong> You may use the REI Gift100 approved lender of your choice. If you are using a lender that is not familiar with the program or is not approved, please have them contact Dena Sherrill, REI Down Payment Assistance Manager at 800-658-2823 or <a href=\"mailto:dsherrill@reiok.org\">dsherrill@reiok.org</a>.\r\n\r\n<strong>Income Limits:</strong> Income limits apply based on qualifying income and household size. Click on the appropriate link below for the Area Median Income requirements.\r\n\r\n<strong>Credit Score:</strong>\r\n<ul>\r\n	<li>FHA, VA, Rural Development &amp; HUD Section 184\r\n<ul>\r\n	<li><span style=\"color: #190707;\">Minimum Credit Score of 640 for assistance of 3.5% of 5.0%\r\n</span></li>\r\n</ul>\r\n</li>\r\n	<li>Fannie Mae HFA Preferred\r\n<ul>\r\n	<li><span style=\"color: #190707;\">Loan to Value (LTV) of 95.01% - 97% - minimum credit score of 680 for assistance of 3.5% of 5.0%\r\n</span></li>\r\n	<li><span style=\"color: #190707;\">Loan to Value (LTV) =&lt;95% - minimum credit score of 640 for assistance of 3.5% or 5.0%\r\n</span></li>\r\n</ul>\r\n</li>\r\n</ul>\r\n<strong>First Time Home Buyer: </strong>No first-time home buyer requirement, however for the Fannie Mae HFA Preferred, the borrower cannot as of the note date, have any individual or joint ownership interest in any other residential properties.<strong>\r\n</strong>\r\n\r\n<strong>REI can provide Homebuyer Education through EHome America. Homebuyer education is required for most Fannie Mae HFA Preferred loans. Please click on the following link to take the online course. The cost is $99.00. </strong><a href=\"http://www.ehomeamerica.org/reiok\">www.ehomeamerica.org/reiok</a>\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2015/06/2015-Area-Median-Incomes-FHA-VA-HUD-184.pdf\" target=\"_blank\">2015 Income Limits for FHA, VA, &amp; HUD 184</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2015/06/2015-Area-Median-Incomes-Conventional.pdf\" target=\"_blank\">2015 Income Limits for Conventional Program</a></li>\r\n</ul>\r\n</div>', 'Home Buyers', '', 'inherit', 'closed', 'closed', '', '6-revision-v1', '', '', '2016-02-08 17:53:14', '2016-02-08 17:53:14', '', 6, 'http://reidownpayment.org/6-revision-v1/', 0, 'revision', '', 0),
(1212, 2, '2016-02-09 15:06:39', '2016-02-09 15:06:39', 'All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock. One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>  7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'closed', 'closed', '', '215-revision-v1', '', '', '2016-02-09 15:06:39', '2016-02-09 15:06:39', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1213, 2, '2016-02-10 15:02:51', '2016-02-10 15:02:51', 'All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock. One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>  7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'closed', 'closed', '', '215-revision-v1', '', '', '2016-02-10 15:02:51', '2016-02-10 15:02:51', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1214, 2, '2016-02-11 14:23:07', '2016-02-11 14:23:07', 'All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock. One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>  7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'closed', 'closed', '', '215-revision-v1', '', '', '2016-02-11 14:23:07', '2016-02-11 14:23:07', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1215, 2, '2016-02-12 15:11:11', '2016-02-12 15:11:11', 'All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock. One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>  7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'closed', 'closed', '', '215-revision-v1', '', '', '2016-02-12 15:11:11', '2016-02-12 15:11:11', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1217, 2, '2016-02-16 14:55:42', '2016-02-16 14:55:42', 'All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock. One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>  7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'closed', 'closed', '', '215-revision-v1', '', '', '2016-02-16 14:55:42', '2016-02-16 14:55:42', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1218, 2, '2016-02-16 16:50:06', '2016-02-16 16:50:06', '', 'Conventional Stacking Order', '', 'inherit', 'open', 'closed', '', 'conventional-stacking-order', '', '', '2016-02-16 16:50:06', '2016-02-16 16:50:06', '', 0, 'http://reidownpayment.org/wp/wp-content/uploads/2016/02/Conventional-Stacking-Order.pdf', 0, 'attachment', 'application/pdf', 0),
(1219, 2, '2016-02-16 16:50:09', '2016-02-16 16:50:09', '', 'REI Government Stacking Order', '', 'inherit', 'open', 'closed', '', 'rei-government-stacking-order', '', '', '2016-02-16 16:50:09', '2016-02-16 16:50:09', '', 0, 'http://reidownpayment.org/wp/wp-content/uploads/2016/02/REI-Government-Stacking-Order.pdf', 0, 'attachment', 'application/pdf', 0),
(1220, 2, '2016-02-16 16:52:20', '2016-02-16 16:52:20', '<strong>REI GIFT100 - Conventional</strong>\r\n\r\nREI Down Payment Assistance invests in Oklahoma’s future by providing housing opportunities to low income individuals and families. The statewide REI Gift100 Program provides a competitive first mortgage and down payment and closing cost assistance to eligible mortgagors. The down payment is in the form of a gift. There are no second liens or deed restrictions filed against the property. The program includes the following loan types:\r\n<ul>\r\n	<li>Fannie Mae HFA Preferred - up to 97% LTV</li>\r\n</ul>\r\nRate/term refinance on any of the above loan products.\r\n\r\n<strong>Lenders:</strong> Lenders must be approved by U.S. Bank to participate in the REI Gift100 program. Interested lenders should contact Dena Sherrill, Housing Program Manager, REI Down Payment Assistance at 1-800-658-2823 or dsherrill@reiok.org or Jeremy Layman, Housing Program Specialist at <a href=\"mailto:jlayman@reiok.org\">jlayman@reiok.org</a>.\r\n\r\n<strong>***Third Party Origination is not allowed***</strong>\r\n\r\n<strong>Program Highlights</strong>\r\n\r\n<strong>Structure:</strong> The funds may be used to fund up to 100% of the Borrower\'s cash requirement to close, including the down payment, closing costs, pre-paid items and other related Mortgage Loan fees and expenses. No portion of the gift funds can be paid to the Borrower unless the Borrower is being reimbursed for an overage of his/her earnest money deposit and pre-paid expenses to the extent the minimum Borrower contribution has been satisfied. Under the rate/term refinance option, any funds above the amount needed to pay the Borrower\'s loan related costs must be used to reduce the principal amount of the First Mortgage loan.\r\n<ul>\r\n	<li>Fannie Mae HFA Preferred\r\n<ul>\r\n	<li>Gift of 3.0, 4.0, or 5.0% of the total loan amount</li>\r\n</ul>\r\n</li>\r\n</ul>\r\n<strong>First Mortgage Origination Fee: </strong>Usual and customary at lender’s discretion.\r\n\r\n<strong>Interest rates:</strong> REI Down Payment Assistance will post First Mortgage interest rates by 9:00 a.m. C.S.T. daily on the Lender Portal at www.reigift100.org. <strong>All loans must be delivered and purchased by U.S. Bank prior within 60 days of rate lock.</strong> One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>7 days is 0.09375%</li>\r\n	<li>15 days is 0.1875%</li>\r\n	<li>22 days is 0.28125%</li>\r\n	<li>30 days is 0.375%</li>\r\n</ul>\r\n<strong>***Rates can be subject to intra-day pricing changes***</strong>\r\n\r\n<strong>Income Limits:</strong> The Borrower\'s qualifying income must not exceed Program Income Limits. Click on Area Median Income below to view income limits. They can also be found in the Lender Portal at www.reigift100.org.\r\n\r\n<strong>***Lenders will be responsible for ensuring that the income meets program guidelines.***</strong>\r\n\r\n<strong>Credit Score:</strong>\r\n<ul>\r\n	<li>Loan to Value (LTV) of 95.01% - 97% - minimum credit score of 680</li>\r\n	<li>Loan to Value (LTV) =&lt;95% - minimum credit score of 640</li>\r\n</ul>\r\n<strong>Maximum DTI:</strong> 45% no exceptions. See Program Summary below for more specific underwriting and/or manual underwriting details.\r\n\r\n<strong>Mortgage Insurance: </strong>Approved MI Companies are Arch, Essent, Genworth, MGIC, Radian, and United Guaranty\r\n\r\n<strong>MI Coverage:</strong>\r\n18% for LTVs &gt;95% and &lt; = 97%\r\n16% for LTVs &gt;90% and &lt;= 95%\r\n12% for LTVs &gt;85% and &lt;= 90%\r\n6% for LTVs &gt;80% and &lt;= 85%\r\n\r\n<strong>Seller Contributions:</strong> 3% Maximum for CLTV Greater than 90% and 6% maximum of CLTV less than or equal to 90%. May be used for closing costs and/or single or split MI premiums\r\n\r\n<strong>First Time Home Buyer:</strong> No first-time home buyer requirement, however the borrower cannot as of the note date, have any individual or joint ownership interest in any other residential properties.\r\n\r\n<strong>Home Buyer Education:</strong>\r\n<ul>\r\n	<li>Loan to Value (LTV) of 95.01% - 97% - Homebuyer Education is required for at least one borrower.</li>\r\n	<li>Loan to Value (LTV) =&lt; 95% - Homebuyer Education only required if all borrowers are first-time homebuyers. In that event, at least one homeowner must complete pre-purchase homebuyer education and counseling.</li>\r\n</ul>\r\n<strong>REI can provide Homebuyer Education through EHome America, please click on the following link to take the online course. The cost is $99.00.</strong>\r\n\r\n<a href=\"http://www.ehomeamerica.org/reiok\">www.ehomeamerica.org/reiok</a>\r\n<ul>\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2016/02/REI-Gift100-Fannie-Mae-Conventional-Program-Summary-16.2.01.pdf\" target=\"_blank\">REI Gift100 Conventional Program Summary</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2015/06/2015-Area-Median-Incomes-Conventional1.pdf\" target=\"_blank\">2015 Area Median Income – Gift100 Program</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2016/02/Conventional-Stacking-Order.pdf\" target=\"_blank\">Conventional Stacking Order</a></li>\r\n</ul>\r\n</ul>\r\n&nbsp;', 'REI Gift100 Conventional Loan Program', '', 'inherit', 'closed', 'closed', '', '217-revision-v1', '', '', '2016-02-16 16:52:20', '2016-02-16 16:52:20', '', 217, 'http://reidownpayment.org/217-revision-v1/', 0, 'revision', '', 0),
(1221, 2, '2016-02-16 16:53:15', '2016-02-16 16:53:15', '<b>REI GIFT100 - Government\r\n</b>\r\n\r\nREI Down Payment Assistance invests in Oklahoma’s future by providing housing opportunities to low income individuals and families.  The 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.\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 Structure:</strong>\r\n\r\nThe down payment assistance is in the form of a gift and is based on a percentage of the total first mortgage loan amount.\r\n<ul>\r\n	<li>The funds may be used to fund up to 100% of the Borrower’s cash requirement to close, including the down payment, closing costs, pre-paid items and other related Mortgage Loan fees and expenses. No portion of the gift funds can be paid to the Borrower unless the Borrower is being reimbursed for an overage of his/her earnest money deposit to the extent the minimum Borrower contribution has been satisfied. Under the rate/term refinance option, any funds above the amount needed to pay the Borrower’s loan related costs must be used to reduce the principal amount of the First Mortgage loan.</li>\r\n</ul>\r\n<strong>FHA, RD, HUD 184, VA - </strong>Amount of Assistance/Credit Score/Underwriting:\r\n<ul>\r\n	<li>Down Payment Assistance of 3.5% or 5.0% of the total first loan amount.</li>\r\n	<li>Loans may be underwritten through an automated underwriting System (DU or LP) – Rural Development Loans (GUS)</li>\r\n	<li>All borrowers MUST have a minimum representative Credit Score of 640.</li>\r\n	<li>Manual Underwrite – a loan can be manually underwritten at the lender’s discretion if there is an AUS finding of refer or if the borrower has NO FICO Score. The maximum DTI for manually underwritten loans is 36% and borrower must have 2 months PITI reserves after closing (or per product guide if greater). Follow manual underwriting guidelines for the appropriate loan product.</li>\r\n</ul>\r\n<strong>Debt Ratio for FHA, RD, VA, &amp; HUD 184</strong>\r\n<ul>\r\n	<li>Determined by First Mortgage Program not to exceed 45%.</li>\r\n	<li>Manual Underwrite/Alternative Credit Score 36% with 2 months PITI reserves after closing.</li>\r\n</ul>\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. Please see Program Summary below for details.\r\n\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>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/2016/02/REI-Gift100-Program-Summary-16.2.01.pdf\" target=\"_blank\">REI Gift100 Program Summary</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2015/03/2015-Area-Median-Incomes-Gift-100-Program.pdf\" target=\"_blank\">2014 Area Median Income - Gift100 Program</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2016/02/REI-Government-Stacking-Order.pdf\" target=\"_blank\">Government Stacking Order</a></li>\r\n	<li><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a></li>\r\n</ul>\r\n<strong>US Bank Forms &amp; Bulletins:</strong>\r\n<ul>\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/05/USB-002-DPA-Form.pdf\" target=\"_blank\">US Bank Down Payment Assistance Form</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/05/MRBP-Government-Loan-Delivery-Checklist-pg-1.pdf\" target=\"_blank\">Delivery Checklist Form</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/05/MRB-Funding-Fee-Increase-2014-37.pdf\" target=\"_blank\">Funding Fee Increase Bulletin 2014-37</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/05/Loan-Review-Process-Reminders-2014-26.pdf\" target=\"_blank\">Loan Review Process Bulletin 2014-26</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/06/MRBP-Compliance-Audit-Reminders-2014-40.pdf\" target=\"_blank\">MRBP Compliance Audit Reminder 2014-40</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/06/MRBP_Compliance_Reminders-2014-39.pdf\" target=\"_blank\">MRBP Compliance Reminders 2014-39</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/07/MRBP-Flood-Insurance-Requirements-2014-41.pdf\" target=\"_blank\">MRBP Flood Insurance Requirements 2014-41</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/07/MRBP-Dodd-Frank-Reminders-2014-42.pdf\" target=\"_blank\">MRBP Dodd-Frank Reminders 2014-42</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/07/NMLS-Requirement-Bulletin-2014-43.pdf\" target=\"_blank\">NMLS Requirement Bulletin 2014-43</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/09/Revised-Communications-Bulletin-2014-48.pdf\" target=\"_blank\"><span class=\"title\">Revised Communications Bulletin 2014-48</span></a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/11/Amendatory-Clause-LOU-HFA-2.pdf\" target=\"_blank\">Amendatory Clause LOU - HFA 2</a></li>\r\n</ul>\r\n</ul>', 'REI Gift100 Government Loan Program', '', 'inherit', 'closed', 'closed', '', '431-revision-v1', '', '', '2016-02-16 16:53:15', '2016-02-16 16:53:15', '', 431, 'http://reidownpayment.org/431-revision-v1/', 0, 'revision', '', 0),
(1222, 2, '2016-02-17 14:59:11', '2016-02-17 14:59:11', 'All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock. One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>  7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'closed', 'closed', '', '215-revision-v1', '', '', '2016-02-17 14:59:11', '2016-02-17 14:59:11', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1223, 2, '2016-02-19 15:05:25', '2016-02-19 15:05:25', 'All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock. One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>  7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'closed', 'closed', '', '215-revision-v1', '', '', '2016-02-19 15:05:25', '2016-02-19 15:05:25', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1224, 2, '2016-02-22 15:07:43', '2016-02-22 15:07:43', 'All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock. One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>  7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'closed', 'closed', '', '215-revision-v1', '', '', '2016-02-22 15:07:43', '2016-02-22 15:07:43', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1225, 2, '2016-02-23 15:12:07', '2016-02-23 15:12:07', 'All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock. One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>  7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'closed', 'closed', '', '215-revision-v1', '', '', '2016-02-23 15:12:07', '2016-02-23 15:12:07', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1227, 2, '2016-02-24 14:54:42', '2016-02-24 14:54:42', 'All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock. One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>  7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'closed', 'closed', '', '215-revision-v1', '', '', '2016-02-24 14:54:42', '2016-02-24 14:54:42', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1228, 2, '2016-02-25 15:14:57', '2016-02-25 15:14:57', 'All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock. One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>  7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'closed', 'closed', '', '215-revision-v1', '', '', '2016-02-25 15:14:57', '2016-02-25 15:14:57', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1229, 2, '2016-02-26 15:05:02', '2016-02-26 15:05:02', 'All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock. One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>  7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'closed', 'closed', '', '215-revision-v1', '', '', '2016-02-26 15:05:02', '2016-02-26 15:05:02', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1230, 2, '2016-02-29 14:59:23', '2016-02-29 14:59:23', 'All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock. One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>  7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'closed', 'closed', '', '215-revision-v1', '', '', '2016-02-29 14:59:23', '2016-02-29 14:59:23', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1231, 2, '2016-03-01 14:56:34', '2016-03-01 14:56:34', 'All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock. One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>  7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'closed', 'closed', '', '215-revision-v1', '', '', '2016-03-01 14:56:34', '2016-03-01 14:56:34', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1232, 2, '2016-03-02 15:05:59', '2016-03-02 15:05:59', 'All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock. One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>  7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'closed', 'closed', '', '215-revision-v1', '', '', '2016-03-02 15:05:59', '2016-03-02 15:05:59', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1234, 2, '2016-03-03 15:02:29', '2016-03-03 15:02:29', 'All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock. One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>  7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'closed', 'closed', '', '215-revision-v1', '', '', '2016-03-03 15:02:29', '2016-03-03 15:02:29', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1235, 2, '2016-03-04 14:56:49', '2016-03-04 14:56:49', 'All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock. One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>  7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'closed', 'closed', '', '215-revision-v1', '', '', '2016-03-04 14:56:49', '2016-03-04 14:56:49', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1236, 2, '2016-03-07 14:52:56', '2016-03-07 14:52:56', 'All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock. One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>  7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'closed', 'closed', '', '215-revision-v1', '', '', '2016-03-07 14:52:56', '2016-03-07 14:52:56', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1237, 2, '2016-03-08 15:01:17', '2016-03-08 15:01:17', 'All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock. One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>  7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'closed', 'closed', '', '215-revision-v1', '', '', '2016-03-08 15:01:17', '2016-03-08 15:01:17', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1239, 2, '2016-03-09 15:14:13', '2016-03-09 15:14:13', 'All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock. One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>  7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'closed', 'closed', '', '215-revision-v1', '', '', '2016-03-09 15:14:13', '2016-03-09 15:14:13', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1240, 2, '2016-03-10 15:08:24', '2016-03-10 15:08:24', 'All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock. One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>  7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'closed', 'closed', '', '215-revision-v1', '', '', '2016-03-10 15:08:24', '2016-03-10 15:08:24', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1242, 2, '2016-03-14 14:08:16', '2016-03-14 14:08:16', 'All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock. One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>  7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'closed', 'closed', '', '215-revision-v1', '', '', '2016-03-14 14:08:16', '2016-03-14 14:08:16', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1243, 2, '2016-03-15 14:10:42', '2016-03-15 14:10:42', 'All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock. One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>  7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'closed', 'closed', '', '215-revision-v1', '', '', '2016-03-15 14:10:42', '2016-03-15 14:10:42', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1244, 2, '2016-03-16 14:21:59', '2016-03-16 14:21:59', 'All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock. One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>  7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'closed', 'closed', '', '215-revision-v1', '', '', '2016-03-16 14:21:59', '2016-03-16 14:21:59', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1245, 2, '2016-03-17 14:06:55', '2016-03-17 14:06:55', 'All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock. One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>  7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'closed', 'closed', '', '215-revision-v1', '', '', '2016-03-17 14:06:55', '2016-03-17 14:06:55', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1246, 2, '2016-03-18 14:35:58', '2016-03-18 14:35:58', 'All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock. One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>  7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'closed', 'closed', '', '215-revision-v1', '', '', '2016-03-18 14:35:58', '2016-03-18 14:35:58', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1247, 2, '2016-03-21 13:58:01', '2016-03-21 13:58:01', 'All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock. One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>  7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'closed', 'closed', '', '215-revision-v1', '', '', '2016-03-21 13:58:01', '2016-03-21 13:58:01', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1249, 2, '2016-03-22 13:54:49', '2016-03-22 13:54:49', 'All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock. One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>  7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'closed', 'closed', '', '215-revision-v1', '', '', '2016-03-22 13:54:49', '2016-03-22 13:54:49', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0);
INSERT INTO `wp_posts` (`ID`, `post_author`, `post_date`, `post_date_gmt`, `post_content`, `post_title`, `post_excerpt`, `post_status`, `comment_status`, `ping_status`, `post_password`, `post_name`, `to_ping`, `pinged`, `post_modified`, `post_modified_gmt`, `post_content_filtered`, `post_parent`, `guid`, `menu_order`, `post_type`, `post_mime_type`, `comment_count`) VALUES
(1250, 2, '2016-03-23 14:03:36', '2016-03-23 14:03:36', 'All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock. One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>  7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'closed', 'closed', '', '215-revision-v1', '', '', '2016-03-23 14:03:36', '2016-03-23 14:03:36', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1251, 2, '2016-03-24 14:12:47', '2016-03-24 14:12:47', 'All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock. One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>  7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'closed', 'closed', '', '215-revision-v1', '', '', '2016-03-24 14:12:47', '2016-03-24 14:12:47', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1252, 2, '2016-03-28 14:02:10', '2016-03-28 14:02:10', 'All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock. One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>  7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'closed', 'closed', '', '215-revision-v1', '', '', '2016-03-28 14:02:10', '2016-03-28 14:02:10', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1253, 2, '2016-03-29 14:05:22', '2016-03-29 14:05:22', 'All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock. One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>  7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'closed', 'closed', '', '215-revision-v1', '', '', '2016-03-29 14:05:22', '2016-03-29 14:05:22', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1255, 2, '2016-03-30 15:27:13', '2016-03-30 15:27:13', 'All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock. One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>  7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'closed', 'closed', '', '215-revision-v1', '', '', '2016-03-30 15:27:13', '2016-03-30 15:27:13', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1256, 2, '2016-03-31 14:07:08', '2016-03-31 14:07:08', 'All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock. One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>  7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'closed', 'closed', '', '215-revision-v1', '', '', '2016-03-31 14:07:08', '2016-03-31 14:07:08', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1257, 2, '2016-04-01 14:53:27', '2016-04-01 14:53:27', 'All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock. One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>  7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'closed', 'closed', '', '215-revision-v1', '', '', '2016-04-01 14:53:27', '2016-04-01 14:53:27', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1258, 2, '2016-04-04 14:01:30', '2016-04-04 14:01:30', 'All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock. One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>  7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'closed', 'closed', '', '215-revision-v1', '', '', '2016-04-04 14:01:30', '2016-04-04 14:01:30', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1259, 2, '2016-04-05 14:00:44', '2016-04-05 14:00:44', 'All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock. One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>  7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'closed', 'closed', '', '215-revision-v1', '', '', '2016-04-05 14:00:44', '2016-04-05 14:00:44', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1260, 2, '2016-04-06 14:50:25', '2016-04-06 14:50:25', '', '2016 Area Median Incomes - Conventional', '', 'inherit', 'open', 'closed', '', '2016-area-median-incomes-conventional', '', '', '2016-04-06 14:50:25', '2016-04-06 14:50:25', '', 0, 'http://reidownpayment.org/wp/wp-content/uploads/2016/04/2016-Area-Median-Incomes-Conventional.pdf', 0, 'attachment', 'application/pdf', 0),
(1261, 2, '2016-04-06 14:50:26', '2016-04-06 14:50:26', '', 'REI Gift100 Fannie Mae Conventional Program Summary 16.04.05', '', 'inherit', 'open', 'closed', '', 'rei-gift100-fannie-mae-conventional-program-summary-16-04-05', '', '', '2016-04-06 14:50:26', '2016-04-06 14:50:26', '', 0, 'http://reidownpayment.org/wp/wp-content/uploads/2016/04/REI-Gift100-Fannie-Mae-Conventional-Program-Summary-16.04.05.pdf', 0, 'attachment', 'application/pdf', 0),
(1262, 2, '2016-04-06 14:50:27', '2016-04-06 14:50:27', '', 'REI Gift100 Program Summary 16.4.05', '', 'inherit', 'open', 'closed', '', 'rei-gift100-program-summary-16-4-05', '', '', '2016-04-06 14:50:27', '2016-04-06 14:50:27', '', 0, 'http://reidownpayment.org/wp/wp-content/uploads/2016/04/REI-Gift100-Program-Summary-16.4.05.pdf', 0, 'attachment', 'application/pdf', 0),
(1263, 2, '2016-04-06 14:52:15', '2016-04-06 14:52:15', '<img class=\"size-full wp-image-146 alignright\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/homebuyers-pic-1.png\" alt=\"homebuyers-pic-1\" width=\"348\" height=\"348\" />\r\n\r\n<strong>REI Gift100 Program\r\n</strong>\r\n\r\nREI Down Payment Assistance invests in Oklahoma’s future by providing housing opportunities to low income individuals and families. The statewide REI Gift100 Program provides a competitive first mortgage and down payment/closing cost assistance to eligible mortgagors. The down payment is in the form of a gift that you are not required to pay back and there will not be second liens or deed restrictions against your property. This program can be used with the following loan types:\r\n<ul>\r\n	<li>FHA</li>\r\n	<li>VA</li>\r\n	<li>Rural Development</li>\r\n	<li>HUD Section 184</li>\r\n	<li>Fannie Mae HFA Preferred</li>\r\n	<li>Freddie Mac HFA Advantage</li>\r\n</ul>\r\nRate/term refinance on any of the above loan products.\r\n\r\n<strong>Program Highlights:</strong>\r\n\r\n<strong>Structure: </strong>The funds may be used to fund up to 100% of the Borrower\'s cash requirement to close, including the down payment, closing costs, pre-paid items and other related mortgage loan fees and expenses. The following is a breakdown of the assistance available:\r\n<ul>\r\n	<li>FHA, VA, Rural Development &amp; HUD Section 184\r\n<ul>\r\n	<li>Gift of 3.5 or 5.0% of the total loan amount</li>\r\n</ul>\r\n</li>\r\n	<li>Fannie Mae HFA Preferred &amp; Freddie Mac HFA Advantage\r\n<ul>\r\n	<li>Gift of 3.0, 4.0, or 5.0% of the total loan amount</li>\r\n</ul>\r\n</li>\r\n</ul>\r\n<strong>Lenders:</strong> You may use the REI Gift100 approved lender of your choice. If you are using a lender that is not familiar with the program or is not approved, please have them contact Dena Sherrill, REI Down Payment Assistance Manager at 800-658-2823 or <a href=\"mailto:dsherrill@reiok.org\">dsherrill@reiok.org</a>.\r\n\r\n<strong>Income Limits:</strong> Income limits apply based on qualifying income and household size. Click on the appropriate link below for the Area Median Income requirements.\r\n\r\n<strong>Credit Score:</strong>\r\n<ul>\r\n	<li>FHA, VA, Rural Development &amp; HUD Section 184\r\n<ul>\r\n	<li><span style=\"color: #190707;\">Minimum Credit Score of 640</span></li>\r\n</ul>\r\n</li>\r\n	<li>Fannie Mae HFA Preferred &amp; Freddie Mac HFA Advantage\r\n<ul>\r\n	<li><span style=\"color: #190707;\">Loan to Value (LTV) of 95.01% - 97% - minimum credit score of 680</span></li>\r\n	<li><span style=\"color: #190707;\">Loan to Value (LTV) =&lt;95% - minimum credit score of 640</span></li>\r\n</ul>\r\n</li>\r\n</ul>\r\n<strong>First Time Home Buyer: </strong>No first-time home buyer requirement, however the borrower cannot  as of the note date, have any individual or joint ownership interest in any other residential properties.<strong>\r\n</strong>\r\n\r\n<strong>REI can provide Homebuyer Education through EHome America, please click on the following link to take the online course. The cost is $99.00. </strong><a href=\"http://www.ehomeamerica.org/reiok\">www.ehomeamerica.org/reiok</a>\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2015/06/2015-Area-Median-Incomes-FHA-VA-HUD-184.pdf\" target=\"_blank\">2015 Income Limits for FHA, VA, &amp; HUD 184</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2016/04/2016-Area-Median-Incomes-Conventional.pdf\" target=\"_blank\">2016 Income Limits for Conventional Program</a></li>\r\n</ul>', 'REI Gift100 Program', '', 'inherit', 'closed', 'closed', '', '168-revision-v1', '', '', '2016-04-06 14:52:15', '2016-04-06 14:52:15', '', 168, 'http://reidownpayment.org/168-revision-v1/', 0, 'revision', '', 0),
(1264, 2, '2016-04-06 14:54:29', '2016-04-06 14:54:29', '<strong>REI GIFT100 - Conventional</strong>\r\n\r\nREI Down Payment Assistance invests in Oklahoma’s future by providing housing opportunities to low income individuals and families. The statewide REI Gift100 Program provides a competitive first mortgage and down payment and closing cost assistance to eligible mortgagors. The down payment is in the form of a gift. There are no second liens or deed restrictions filed against the property. The program includes the following loan types:\r\n<ul>\r\n	<li>Fannie Mae HFA Preferred - up to 97% LTV</li>\r\n</ul>\r\nRate/term refinance on any of the above loan products.\r\n\r\n<strong>Lenders:</strong> Lenders must be approved by U.S. Bank to participate in the REI Gift100 program. Interested lenders should contact Dena Sherrill, Housing Program Manager, REI Down Payment Assistance at 1-800-658-2823 or dsherrill@reiok.org or Jeremy Layman, Housing Program Specialist at <a href=\"mailto:jlayman@reiok.org\">jlayman@reiok.org</a>.\r\n\r\n<strong>***Third Party Origination is not allowed***</strong>\r\n\r\n<strong>Program Highlights</strong>\r\n\r\n<strong>Structure:</strong> The funds may be used to fund up to 100% of the Borrower\'s cash requirement to close, including the down payment, closing costs, pre-paid items and other related Mortgage Loan fees and expenses. No portion of the gift funds can be paid to the Borrower unless the Borrower is being reimbursed for an overage of his/her earnest money deposit and pre-paid expenses to the extent the minimum Borrower contribution has been satisfied. Under the rate/term refinance option, any funds above the amount needed to pay the Borrower\'s loan related costs must be used to reduce the principal amount of the First Mortgage loan.\r\n<ul>\r\n	<li>Fannie Mae HFA Preferred\r\n<ul>\r\n	<li>Gift of 3.0, 4.0, or 5.0% of the total loan amount</li>\r\n</ul>\r\n</li>\r\n</ul>\r\n<strong>First Mortgage Origination Fee: </strong>Usual and customary at lender’s discretion.\r\n\r\n<strong>Interest rates:</strong> REI Down Payment Assistance will post First Mortgage interest rates by 9:00 a.m. C.S.T. daily on the Lender Portal at www.reigift100.org. <strong>All loans must be delivered and purchased by U.S. Bank prior within 60 days of rate lock.</strong> One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>7 days is 0.09375%</li>\r\n	<li>15 days is 0.1875%</li>\r\n	<li>22 days is 0.28125%</li>\r\n	<li>30 days is 0.375%</li>\r\n</ul>\r\n<strong>***Rates can be subject to intra-day pricing changes***</strong>\r\n\r\n<strong>Income Limits:</strong> The Borrower\'s qualifying income must not exceed Program Income Limits. Click on Area Median Income below to view income limits. They can also be found in the Lender Portal at www.reigift100.org.\r\n\r\n<strong>***Lenders will be responsible for ensuring that the income meets program guidelines.***</strong>\r\n\r\n<strong>Credit Score:</strong>\r\n<ul>\r\n	<li>Loan to Value (LTV) of 95.01% - 97% - minimum credit score of 680</li>\r\n	<li>Loan to Value (LTV) =&lt;95% - minimum credit score of 640</li>\r\n</ul>\r\n<strong>Maximum DTI:</strong> 45% no exceptions. See Program Summary below for more specific underwriting and/or manual underwriting details.\r\n\r\n<strong>Mortgage Insurance: </strong>Approved MI Companies are Arch, Essent, Genworth, MGIC, Radian, and United Guaranty\r\n\r\n<strong>MI Coverage:</strong>\r\n18% for LTVs &gt;95% and &lt; = 97%\r\n16% for LTVs &gt;90% and &lt;= 95%\r\n12% for LTVs &gt;85% and &lt;= 90%\r\n6% for LTVs &gt;80% and &lt;= 85%\r\n\r\n<strong>Seller Contributions:</strong> 3% Maximum for CLTV Greater than 90% and 6% maximum of CLTV less than or equal to 90%. May be used for closing costs and/or single or split MI premiums\r\n\r\n<strong>First Time Home Buyer:</strong> No first-time home buyer requirement, however the borrower cannot as of the note date, have any individual or joint ownership interest in any other residential properties.\r\n\r\n<strong>Home Buyer Education:</strong>\r\n<ul>\r\n	<li>Loan to Value (LTV) of 95.01% - 97% - Homebuyer Education is required for at least one borrower.</li>\r\n	<li>Loan to Value (LTV) =&lt; 95% - Homebuyer Education only required if all borrowers are first-time homebuyers. In that event, at least one homeowner must complete pre-purchase homebuyer education and counseling.</li>\r\n</ul>\r\n<strong>REI can provide Homebuyer Education through EHome America, please click on the following link to take the online course. The cost is $99.00.</strong>\r\n\r\n<a href=\"http://www.ehomeamerica.org/reiok\">www.ehomeamerica.org/reiok</a>\r\n<ul>\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2016/04/REI-Gift100-Fannie-Mae-Conventional-Program-Summary-16.04.05.pdf\" target=\"_blank\">REI Gift100 Conventional Program Summary</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2016/04/2016-Area-Median-Incomes-Conventional.pdf\" target=\"_blank\">2016 Area Median Income – Gift100 Program</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2016/02/Conventional-Stacking-Order.pdf\" target=\"_blank\">Conventional Stacking Order</a></li>\r\n</ul>\r\n</ul>\r\n&nbsp;', 'REI Gift100 Conventional Loan Program', '', 'inherit', 'closed', 'closed', '', '217-revision-v1', '', '', '2016-04-06 14:54:29', '2016-04-06 14:54:29', '', 217, 'http://reidownpayment.org/217-revision-v1/', 0, 'revision', '', 0),
(1265, 2, '2016-04-06 14:57:49', '2016-04-06 14:57:49', '', '2016 Area Median Incomes - FHA VA  HUD 184', '', 'inherit', 'open', 'closed', '', '2016-area-median-incomes-fha-va-hud-184', '', '', '2016-04-06 14:57:49', '2016-04-06 14:57:49', '', 0, 'http://reidownpayment.org/wp/wp-content/uploads/2016/04/2016-Area-Median-Incomes-FHA-VA-HUD-184.pdf', 0, 'attachment', 'application/pdf', 0),
(1267, 2, '2016-04-07 13:59:07', '2016-04-07 13:59:07', 'All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock. One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>  7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'closed', 'closed', '', '215-revision-v1', '', '', '2016-04-07 13:59:07', '2016-04-07 13:59:07', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1268, 2, '2016-04-07 20:44:13', '2016-04-07 20:44:13', '<img class=\"size-full wp-image-146 alignright\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/homebuyers-pic-1.png\" alt=\"homebuyers-pic-1\" width=\"348\" height=\"348\" />\r\n<div lang=\"EN-US\">\r\n\r\nREI Down Payment Assistance provides down payment and closing cost assistance to eligible borrowers through partnerships with lenders across the state. The programs are developed for people who have good jobs and the ability to re-pay a loan, but have not been able to save for the down payment or closing costs on a home.\r\n\r\nThe statewide REI Gift100 Program provides a competitive first mortgage and down payment/closing cost assistance to eligible mortgagors. The down payment is in the form of a gift that you are not required to pay back and there will not be second liens or deed restrictions against your property. This program can be used with the following loan types:\r\n<ul>\r\n	<li>FHA</li>\r\n	<li>VA</li>\r\n	<li>Rural Development</li>\r\n	<li>HUD Section 184</li>\r\n	<li>Fannie Mae HFA Preferred</li>\r\n</ul>\r\nRate/term refinance on any of the above loan products.\r\n\r\n<strong>Program Highlights:</strong>\r\n\r\n<strong>Structure: </strong>The funds may be used to fund up to 100% of the Borrower\'s cash requirement to close, including the down payment, closing costs, pre-paid items and other related mortgage loan fees and expenses. The following is a breakdown of the assistance available:\r\n<ul>\r\n	<li>FHA\r\n<ul>\r\n	<li>Gift of up to 5.0% of the total loan amount. The amount of assistance varies based on credit score and underwriting.</li>\r\n</ul>\r\n</li>\r\n	<li>VA, Rural Development &amp; HUD Section 184\r\n<ul>\r\n	<li>Gift of 3.5% or 5.0% of the total loan amount</li>\r\n</ul>\r\n</li>\r\n	<li>Fannie Mae HFA Preferred\r\n<ul>\r\n	<li>Gift of 3.0, 4.0, or 5.0% of the total loan amount</li>\r\n</ul>\r\n</li>\r\n</ul>\r\n<strong>Lenders:</strong> You may use the REI Gift100 approved lender of your choice. If you are using a lender that is not familiar with the program or is not approved, please have them contact Dena Sherrill, REI Down Payment Assistance Manager at 800-658-2823 or <a href=\"mailto:dsherrill@reiok.org\">dsherrill@reiok.org</a>.\r\n\r\n<strong>Income Limits:</strong> Income limits apply based on qualifying income and household size. Click on the appropriate link below for the Area Median Income requirements.\r\n\r\n<strong>Credit Score:</strong>\r\n<ul>\r\n	<li>FHA, VA, Rural Development &amp; HUD Section 184\r\n<ul>\r\n	<li><span style=\"color: #190707;\">Minimum Credit Score of 640 for assistance of 3.5% of 5.0%\r\n</span></li>\r\n</ul>\r\n</li>\r\n	<li>Fannie Mae HFA Preferred\r\n<ul>\r\n	<li><span style=\"color: #190707;\">Loan to Value (LTV) of 95.01% - 97% - minimum credit score of 680 for assistance of 3.5% of 5.0%\r\n</span></li>\r\n	<li><span style=\"color: #190707;\">Loan to Value (LTV) =&lt;95% - minimum credit score of 640 for assistance of 3.5% or 5.0%\r\n</span></li>\r\n</ul>\r\n</li>\r\n</ul>\r\n<strong>First Time Home Buyer: </strong>No first-time home buyer requirement, however for the Fannie Mae HFA Preferred, the borrower cannot as of the note date, have any individual or joint ownership interest in any other residential properties.<strong>\r\n</strong>\r\n\r\n<strong>REI can provide Homebuyer Education through EHome America. Homebuyer education is required for most Fannie Mae HFA Preferred loans. Please click on the following link to take the online course. The cost is $99.00. </strong><a href=\"http://www.ehomeamerica.org/reiok\">www.ehomeamerica.org/reiok</a>\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2016/04/2016-Area-Median-Incomes-FHA-VA-HUD-184.pdf\" target=\"_blank\">2016 Income Limits for FHA, VA, &amp; HUD 184</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2016/04/2016-Area-Median-Incomes-Conventional.pdf\" target=\"_blank\">2016 Income Limits for Conventional Program</a></li>\r\n</ul>\r\n</div>', 'Home Buyers', '', 'inherit', 'closed', 'closed', '', '6-revision-v1', '', '', '2016-04-07 20:44:13', '2016-04-07 20:44:13', '', 6, 'http://reidownpayment.org/6-revision-v1/', 0, 'revision', '', 0),
(1269, 2, '2016-04-07 20:45:19', '2016-04-07 20:45:19', '<b>REI GIFT100 - Government\r\n</b>\r\n\r\nREI Down Payment Assistance invests in Oklahoma’s future by providing housing opportunities to low income individuals and families.  The 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.\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 Structure:</strong>\r\n\r\nThe down payment assistance is in the form of a gift and is based on a percentage of the total first mortgage loan amount.\r\n<ul>\r\n	<li>The funds may be used to fund up to 100% of the Borrower’s cash requirement to close, including the down payment, closing costs, pre-paid items and other related Mortgage Loan fees and expenses. No portion of the gift funds can be paid to the Borrower unless the Borrower is being reimbursed for an overage of his/her earnest money deposit to the extent the minimum Borrower contribution has been satisfied. Under the rate/term refinance option, any funds above the amount needed to pay the Borrower’s loan related costs must be used to reduce the principal amount of the First Mortgage loan.</li>\r\n</ul>\r\n<strong>FHA, RD, HUD 184, VA - </strong>Amount of Assistance/Credit Score/Underwriting:\r\n<ul>\r\n	<li>Down Payment Assistance of 3.5% or 5.0% of the total first loan amount.</li>\r\n	<li>Loans may be underwritten through an automated underwriting System (DU or LP) – Rural Development Loans (GUS)</li>\r\n	<li>All borrowers MUST have a minimum representative Credit Score of 640.</li>\r\n	<li>Manual Underwrite – a loan can be manually underwritten at the lender’s discretion if there is an AUS finding of refer or if the borrower has NO FICO Score. The maximum DTI for manually underwritten loans is 36% and borrower must have 2 months PITI reserves after closing (or per product guide if greater). Follow manual underwriting guidelines for the appropriate loan product.</li>\r\n</ul>\r\n<strong>Debt Ratio for FHA, RD, VA, &amp; HUD 184</strong>\r\n<ul>\r\n	<li>Determined by First Mortgage Program not to exceed 45%.</li>\r\n	<li>Manual Underwrite/Alternative Credit Score 36% with 2 months PITI reserves after closing.</li>\r\n</ul>\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. Please see Program Summary below for details.\r\n\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>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/2016/02/REI-Gift100-Program-Summary-16.2.01.pdf\" target=\"_blank\">REI Gift100 Program Summary</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2016/04/2016-Area-Median-Incomes-FHA-VA-HUD-184.pdf\" target=\"_blank\">2016 Area Median Income - Gift100 Program</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2016/02/REI-Government-Stacking-Order.pdf\" target=\"_blank\">Government Stacking Order</a></li>\r\n	<li><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a></li>\r\n</ul>\r\n<strong>US Bank Forms &amp; Bulletins:</strong>\r\n<ul>\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/05/USB-002-DPA-Form.pdf\" target=\"_blank\">US Bank Down Payment Assistance Form</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/05/MRBP-Government-Loan-Delivery-Checklist-pg-1.pdf\" target=\"_blank\">Delivery Checklist Form</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/05/MRB-Funding-Fee-Increase-2014-37.pdf\" target=\"_blank\">Funding Fee Increase Bulletin 2014-37</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/05/Loan-Review-Process-Reminders-2014-26.pdf\" target=\"_blank\">Loan Review Process Bulletin 2014-26</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/06/MRBP-Compliance-Audit-Reminders-2014-40.pdf\" target=\"_blank\">MRBP Compliance Audit Reminder 2014-40</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/06/MRBP_Compliance_Reminders-2014-39.pdf\" target=\"_blank\">MRBP Compliance Reminders 2014-39</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/07/MRBP-Flood-Insurance-Requirements-2014-41.pdf\" target=\"_blank\">MRBP Flood Insurance Requirements 2014-41</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/07/MRBP-Dodd-Frank-Reminders-2014-42.pdf\" target=\"_blank\">MRBP Dodd-Frank Reminders 2014-42</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/07/NMLS-Requirement-Bulletin-2014-43.pdf\" target=\"_blank\">NMLS Requirement Bulletin 2014-43</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/09/Revised-Communications-Bulletin-2014-48.pdf\" target=\"_blank\"><span class=\"title\">Revised Communications Bulletin 2014-48</span></a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/11/Amendatory-Clause-LOU-HFA-2.pdf\" target=\"_blank\">Amendatory Clause LOU - HFA 2</a></li>\r\n</ul>\r\n</ul>', 'REI Gift100 Government Loan Program', '', 'inherit', 'closed', 'closed', '', '431-revision-v1', '', '', '2016-04-07 20:45:19', '2016-04-07 20:45:19', '', 431, 'http://reidownpayment.org/431-revision-v1/', 0, 'revision', '', 0),
(1270, 2, '2016-04-07 20:46:57', '2016-04-07 20:46:57', '<b>REI GIFT100 - Government\r\n</b>\r\n\r\nREI Down Payment Assistance invests in Oklahoma’s future by providing housing opportunities to low income individuals and families.  The 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.\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 Structure:</strong>\r\n\r\nThe down payment assistance is in the form of a gift and is based on a percentage of the total first mortgage loan amount.\r\n<ul>\r\n	<li>The funds may be used to fund up to 100% of the Borrower’s cash requirement to close, including the down payment, closing costs, pre-paid items and other related Mortgage Loan fees and expenses. No portion of the gift funds can be paid to the Borrower unless the Borrower is being reimbursed for an overage of his/her earnest money deposit to the extent the minimum Borrower contribution has been satisfied. Under the rate/term refinance option, any funds above the amount needed to pay the Borrower’s loan related costs must be used to reduce the principal amount of the First Mortgage loan.</li>\r\n</ul>\r\n<strong>FHA, RD, HUD 184, VA - </strong>Amount of Assistance/Credit Score/Underwriting:\r\n<ul>\r\n	<li>Down Payment Assistance of 3.5% or 5.0% of the total first loan amount.</li>\r\n	<li>Loans may be underwritten through an automated underwriting System (DU or LP) – Rural Development Loans (GUS)</li>\r\n	<li>All borrowers MUST have a minimum representative Credit Score of 640.</li>\r\n	<li>Manual Underwrite – a loan can be manually underwritten at the lender’s discretion if there is an AUS finding of refer or if the borrower has NO FICO Score. The maximum DTI for manually underwritten loans is 36% and borrower must have 2 months PITI reserves after closing (or per product guide if greater). Follow manual underwriting guidelines for the appropriate loan product.</li>\r\n</ul>\r\n<strong>Debt Ratio for FHA, RD, VA, &amp; HUD 184</strong>\r\n<ul>\r\n	<li>Determined by First Mortgage Program not to exceed 45%.</li>\r\n	<li>Manual Underwrite/Alternative Credit Score 36% with 2 months PITI reserves after closing.</li>\r\n</ul>\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. Please see Program Summary below for details.\r\n\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>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/2016/04/REI-Gift100-Program-Summary-16.4.05.pdf\" target=\"_blank\">REI Gift100 Program Summary</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2016/04/2016-Area-Median-Incomes-FHA-VA-HUD-184.pdf\" target=\"_blank\">2016 Area Median Income - Gift100 Program</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2016/02/REI-Government-Stacking-Order.pdf\" target=\"_blank\">Government Stacking Order</a></li>\r\n	<li><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a></li>\r\n</ul>\r\n<strong>US Bank Forms &amp; Bulletins:</strong>\r\n<ul>\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/05/USB-002-DPA-Form.pdf\" target=\"_blank\">US Bank Down Payment Assistance Form</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/05/MRBP-Government-Loan-Delivery-Checklist-pg-1.pdf\" target=\"_blank\">Delivery Checklist Form</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/05/MRB-Funding-Fee-Increase-2014-37.pdf\" target=\"_blank\">Funding Fee Increase Bulletin 2014-37</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/05/Loan-Review-Process-Reminders-2014-26.pdf\" target=\"_blank\">Loan Review Process Bulletin 2014-26</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/06/MRBP-Compliance-Audit-Reminders-2014-40.pdf\" target=\"_blank\">MRBP Compliance Audit Reminder 2014-40</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/06/MRBP_Compliance_Reminders-2014-39.pdf\" target=\"_blank\">MRBP Compliance Reminders 2014-39</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/07/MRBP-Flood-Insurance-Requirements-2014-41.pdf\" target=\"_blank\">MRBP Flood Insurance Requirements 2014-41</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/07/MRBP-Dodd-Frank-Reminders-2014-42.pdf\" target=\"_blank\">MRBP Dodd-Frank Reminders 2014-42</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/07/NMLS-Requirement-Bulletin-2014-43.pdf\" target=\"_blank\">NMLS Requirement Bulletin 2014-43</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/09/Revised-Communications-Bulletin-2014-48.pdf\" target=\"_blank\"><span class=\"title\">Revised Communications Bulletin 2014-48</span></a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/11/Amendatory-Clause-LOU-HFA-2.pdf\" target=\"_blank\">Amendatory Clause LOU - HFA 2</a></li>\r\n</ul>\r\n</ul>', 'REI Gift100 Government Loan Program', '', 'inherit', 'closed', 'closed', '', '431-revision-v1', '', '', '2016-04-07 20:46:57', '2016-04-07 20:46:57', '', 431, 'http://reidownpayment.org/431-revision-v1/', 0, 'revision', '', 0),
(1271, 2, '2016-04-07 21:11:13', '2016-04-07 21:11:13', '', 'abernathys', '', 'inherit', 'open', 'closed', '', 'abernathys', '', '', '2016-04-07 21:11:13', '2016-04-07 21:11:13', '', 0, 'http://reidownpayment.org/wp/wp-content/uploads/2016/04/abernathys.jpg', 0, 'attachment', 'image/jpeg', 0),
(1272, 2, '2017-10-25 16:07:19', '2017-10-25 16:07:19', '&nbsp;\n\n<strong>Kimberly and Ryan Hamilton<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2017/10/hamiltons-website.png\"><img class=\"size-medium wp-image-1994 alignright\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2017/10/hamiltons-website-300x300.png\" alt=\"hamiltons website\" width=\"300\" height=\"300\" data-id=\"1994\" /></a></strong>\n\nKimberly and Ryan rented a house their whole life until recently. Saving for the down payment was what always held them back from buying a home. They learned about REI Down Payment Assistance from a co-worker. “Our mortgage company was in contact with REI and we did not have to do any extra paperwork. Their gift allowed us to keep all the money we initially saved for the down payment and because of this we are nearing our second dream of being debt free. Thank you from the bottom of our hearts!”\n\nREI DPA programs help buyers overcome the initial cost of a home purchase. Roughly 90% of people using our program are first time homebuyers, and the average amount of assistance is $5,000. We are very proud that we have helped more than 5,500 Oklahoma families purchase a home.\n\nFor more information about the REI Down Payment Assistance program, call 800-658-2823.\n\n&nbsp;\n\n<strong>Prince and Shekira Barnes<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2017/10/Barnes.png\"><img class=\"alignright size-full wp-image-1997\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2017/10/Barnes.png\" alt=\"Barnes\" width=\"300\" height=\"300\" data-id=\"1997\" /></a></strong>\n\nFor Prince and Shekira Barnes, their home buying adventure began by going to get a paper every Sunday, and thumbing through it to find the home of their dreams.  They eventually found a few houses that they liked, and started visiting with local realtors and lenders in the Muskogee area.  The couple had rented and owned a mobile home in the past, but they were really wanting a place they could personalize and make their own.\n\nAs with most folks, they were a little concerned about the complexities of buying a home and Prince spent some time searching online for resources to help them through the process.  That’s when he discovered REI Down Payment Assistance, and the rest is history.  Prince admits that he was a little surprised at how well the program worked and how easy it was to use.\n\nNow, with a little help from REI Down Payment Assistance, they are creating an investment for their family instead of throwing money away on rent each month and Shekira has a place to create a family tree mural on the living room wall.\n\nFor more information about the REI Down Payment Assistance program, call 800-658-2823.\n\n&nbsp;\n\n<strong>Howard and Faye Abernathy</strong>\n\nFamily means something to retired Oklahoma educators Howard and F<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2016/04/abernathys.jpg\"><img class=\"size-medium wp-image-91 alignright\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2016/04/abernathys.jpg\" alt=\"success-pic-1\" width=\"300\" height=\"300\" /></a>aye Abernathy. That’s why, several years back, they dropped everything and moved from Muskogee to Okay to care for Howard’s elderly mother. After his mother passed, Howard and Faye wondered if they would ever be able to return to Muskogee, where they had built their life together.\n\nThey wanted to buy a home, but with their age, they just didn’t think it would happen. The Abernathy’s needed a house that could accommodate their family during the holidays, but one that wouldn’t generate immense utility bills. The couple looked at house after house, and finally found the perfect one. To help them overcome the hurdle so many potential homebuyers face of gathering the necessary up-front cash, their mortgage banker turned to REI Down Payment Assistance.\n\nBeing back in Muskogee has meant so many good things for them both - Howard’s lawn care business has flourished and so has his domino game. Being in town gives Faye the chance to do things she enjoys, like volunteering and keeping up with friends.\n\nFor more information about the REI Down Payment Assistance program, call <a>800-658-2823</a>.\n\n&nbsp;\n\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/success-pic-1.png\"><img class=\"size-medium wp-image-91 alignright\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/success-pic-1-300x300.png\" alt=\"success-pic-1\" width=\"300\" height=\"300\" /></a>\n\n<strong>Dean and Brendyn Oldham</strong>\n\nAfter experiencing life as renters, Dean and Brendyn Oldham knew they were ready for their own home. Newly married and with a baby on the way, they wanted to find a place that met their unique needs; a yard for their dogs, no roommates, freedom to renovate, room for a nursery, and a more accommodating monthly payment. The Oldham’s lender, Linda Dickerson from Exchange Bank in Stillwater, referred the couple to REI Oklahoma. They decided an FHA-insured loan utilizing the REI Down Payment Assistance program was the best option. This loan provided so much assistance that the Oldhams paid little money out of pocket and were even reimbursed for a small portion of the payment.\n\nThe young couple became official homeowners on November 2, 2012, and they are very happy in their new home. Since the move, the couple has stayed busy; Dean works full time and is studying to obtain a doctorate degree and Brendyn has begun preparing for the baby’s arrival. As a result of the financial assistance they received from REI Down Payment Assistance, Dean and Brendyn saved enough money to decorate the new nursery and complete other home renovations. Since Brendyn’s father is in construction, they also have plans to renovate their kitchen in the near future.\n\nFor more information about the REI Down Payment Assistance program, call <a>800-658-2823</a>.\n\n&nbsp;\n\n<strong><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/success-pic-2.png\"><img class=\"size-medium wp-image-92 alignright\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/success-pic-2-300x300.png\" alt=\"success-pic-2\" width=\"300\" height=\"300\" /></a>Tommy Branch</strong>\n\nTommy Branch, a former resident of Austin, Texas, recently accessed the REI Down Payment Assistance program to help him move into a new house in Owen Park, a neighborhood in Tulsa’s historic district.  Moving from a one-bedroom apartment to a 1,065 square-foot house was a journey he knew he could not undertake alone.  After going through the process of searching for a house, working with lender Drew Dossey from The Lending Partners in Tulsa, and receiving support from REI Down Payment Assistance, Tommy praised his lender for being so helpful and making the process extremely easy, and said he would recommend the program without hesitation.\n\nOne of the best benefits of Tommy’s move is that his new house payment is less than the rent for his apartment. He loves his new neighborhood and its proximity to downtown Tulsa. Although he is responsible for more upkeep and maintenance as a homeowner than he would be as an apartment renter, his experience has been great.\n\nTommy said, “Taking care of something that belongs to you can be more satisfying than cleaning up an apartment!”\n\nFor more information about the REI Down Payment Assistance program, call <a>800-658-2823</a>.', 'Success Stories', '', 'inherit', 'closed', 'closed', '', '5-autosave-v1', '', '', '2017-10-25 16:07:19', '2017-10-25 16:07:19', '', 5, 'http://reidownpayment.org/5-autosave-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
(1273, 2, '2016-04-07 21:12:49', '2016-04-07 21:12:49', '<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2016/04/abernathys.jpg\"><img class=\"size-medium wp-image-91 alignright\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2016/04/abernathys.jpg\" alt=\"success-pic-1\" width=\"300\" height=\"300\" /></a>\r\n\r\n<strong>Howard and Faye Abernathy</strong>\r\n\r\nFamily means something to retired Oklahoma educators Howard and Faye Abernathy. That’s why, several years back, they dropped everything and moved from Muskogee to Okay to care for Howard’s elderly mother. After his mother passed, Howard and Faye wondered if they would ever be able to return to Muskogee, where they had built their life together.\r\n\r\nThey wanted to buy a home, but with their age, they just didn’t think it would happen. The Abernathy’s needed a house that could accommodate their family during the holidays, but one that wouldn’t generate immense utility bills. The couple looked at house after house, and finally found the perfect one. To help them overcome the hurdle so many potential homebuyers face of gathering the necessary up-front cash, their mortgage banker turned to REI Down Payment Assistance.\r\n\r\nBeing back in Muskogee has meant so many good things for them both - Howard’s lawn care business has flourished and so has his domino game. Being in town gives Faye the chance to do things she enjoys, like volunteering and keeping up with friends.\r\n\r\nFor more information about the REI Down Payment Assistance program, call <a>800-658-2823</a>.\r\n\r\n&nbsp;\r\n\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/success-pic-1.png\"><img class=\"size-medium wp-image-91 alignright\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/success-pic-1-300x300.png\" alt=\"success-pic-1\" width=\"300\" height=\"300\" /></a>\r\n\r\n<strong>Dean and Brendyn Oldham</strong>\r\n\r\nAfter experiencing life as renters, Dean and Brendyn Oldham knew they were ready for their own home. Newly married and with a baby on the way, they wanted to find a place that met their unique needs; a yard for their dogs, no roommates, freedom to renovate, room for a nursery, and a more accommodating monthly payment. The Oldham’s lender, Linda Dickerson from Exchange Bank in Stillwater, referred the couple to REI Oklahoma. They decided an FHA-insured loan utilizing the REI Down Payment Assistance program was the best option. This loan provided so much assistance that the Oldhams paid little money out of pocket and were even reimbursed for a small portion of the payment.\r\n\r\nThe young couple became official homeowners on November 2, 2012, and they are very happy in their new home. Since the move, the couple has stayed busy; Dean works full time and is studying to obtain a doctorate degree and Brendyn has begun preparing for the baby’s arrival. As a result of the financial assistance they received from REI Down Payment Assistance, Dean and Brendyn saved enough money to decorate the new nursery and complete other home renovations. Since Brendyn’s father is in construction, they also have plans to renovate their kitchen in the near future.\r\n\r\nFor more information about the REI Down Payment Assistance program, call <a>800-658-2823</a>.\r\n\r\n&nbsp;\r\n\r\n<strong><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/success-pic-2.png\"><img class=\"size-medium wp-image-92 alignleft\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/success-pic-2-300x300.png\" alt=\"success-pic-2\" width=\"300\" height=\"300\" /></a>Tommy Branch</strong>\r\n\r\nTommy Branch, a former resident of Austin, Texas, recently accessed the REI Down Payment Assistance program to help him move into a new house in Owen Park, a neighborhood in Tulsa’s historic district.  Moving from a one-bedroom apartment to a 1,065 square-foot house was a journey he knew he could not undertake alone.  After going through the process of searching for a house, working with lender Drew Dossey from The Lending Partners in Tulsa, and receiving support from REI Down Payment Assistance, Tommy praised his lender for being so helpful and making the process extremely easy, and said he would recommend the program without hesitation.\r\n\r\nOne of the best benefits of Tommy’s move is that his new house payment is less than the rent for his apartment. He loves his new neighborhood and its proximity to downtown Tulsa. Although he is responsible for more upkeep and maintenance as a homeowner than he would be as an apartment renter, his experience has been great.\r\n\r\nTommy said, “Taking care of something that belongs to you can be more satisfying than cleaning up an apartment!”\r\n\r\nFor more information about the REI Down Payment Assistance program, call <a>800-658-2823</a>.', 'Success Stories', '', 'inherit', 'closed', 'closed', '', '5-revision-v1', '', '', '2016-04-07 21:12:49', '2016-04-07 21:12:49', '', 5, 'http://reidownpayment.org/5-revision-v1/', 0, 'revision', '', 0),
(1274, 2, '2016-04-07 21:13:38', '2016-04-07 21:13:38', '<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2016/04/abernathys.jpg\"><img class=\"size-medium wp-image-91 alignright\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2016/04/abernathys.jpg\" alt=\"success-pic-1\" width=\"300\" height=\"300\" /></a>\r\n\r\n<strong>Howard and Faye Abernathy</strong>\r\n\r\nFamily means something to retired Oklahoma educators Howard and Faye Abernathy. That’s why, several years back, they dropped everything and moved from Muskogee to Okay to care for Howard’s elderly mother. After his mother passed, Howard and Faye wondered if they would ever be able to return to Muskogee, where they had built their life together.\r\n\r\nThey wanted to buy a home, but with their age, they just didn’t think it would happen. The Abernathy’s needed a house that could accommodate their family during the holidays, but one that wouldn’t generate immense utility bills. The couple looked at house after house, and finally found the perfect one. To help them overcome the hurdle so many potential homebuyers face of gathering the necessary up-front cash, their mortgage banker turned to REI Down Payment Assistance.\r\n\r\nBeing back in Muskogee has meant so many good things for them both - Howard’s lawn care business has flourished and so has his domino game. Being in town gives Faye the chance to do things she enjoys, like volunteering and keeping up with friends.\r\n\r\nFor more information about the REI Down Payment Assistance program, call <a>800-658-2823</a>.\r\n\r\n&nbsp;\r\n\r\n<a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/success-pic-1.png\"><img class=\"size-medium wp-image-91 alignright\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/success-pic-1-300x300.png\" alt=\"success-pic-1\" width=\"300\" height=\"300\" /></a>\r\n\r\n<strong>Dean and Brendyn Oldham</strong>\r\n\r\nAfter experiencing life as renters, Dean and Brendyn Oldham knew they were ready for their own home. Newly married and with a baby on the way, they wanted to find a place that met their unique needs; a yard for their dogs, no roommates, freedom to renovate, room for a nursery, and a more accommodating monthly payment. The Oldham’s lender, Linda Dickerson from Exchange Bank in Stillwater, referred the couple to REI Oklahoma. They decided an FHA-insured loan utilizing the REI Down Payment Assistance program was the best option. This loan provided so much assistance that the Oldhams paid little money out of pocket and were even reimbursed for a small portion of the payment.\r\n\r\nThe young couple became official homeowners on November 2, 2012, and they are very happy in their new home. Since the move, the couple has stayed busy; Dean works full time and is studying to obtain a doctorate degree and Brendyn has begun preparing for the baby’s arrival. As a result of the financial assistance they received from REI Down Payment Assistance, Dean and Brendyn saved enough money to decorate the new nursery and complete other home renovations. Since Brendyn’s father is in construction, they also have plans to renovate their kitchen in the near future.\r\n\r\nFor more information about the REI Down Payment Assistance program, call <a>800-658-2823</a>.\r\n\r\n&nbsp;\r\n\r\n<strong><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/success-pic-2.png\"><img class=\"size-medium wp-image-92 alignright\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/success-pic-2-300x300.png\" alt=\"success-pic-2\" width=\"300\" height=\"300\" /></a>Tommy Branch</strong>\r\n\r\nTommy Branch, a former resident of Austin, Texas, recently accessed the REI Down Payment Assistance program to help him move into a new house in Owen Park, a neighborhood in Tulsa’s historic district.  Moving from a one-bedroom apartment to a 1,065 square-foot house was a journey he knew he could not undertake alone.  After going through the process of searching for a house, working with lender Drew Dossey from The Lending Partners in Tulsa, and receiving support from REI Down Payment Assistance, Tommy praised his lender for being so helpful and making the process extremely easy, and said he would recommend the program without hesitation.\r\n\r\nOne of the best benefits of Tommy’s move is that his new house payment is less than the rent for his apartment. He loves his new neighborhood and its proximity to downtown Tulsa. Although he is responsible for more upkeep and maintenance as a homeowner than he would be as an apartment renter, his experience has been great.\r\n\r\nTommy said, “Taking care of something that belongs to you can be more satisfying than cleaning up an apartment!”\r\n\r\nFor more information about the REI Down Payment Assistance program, call <a>800-658-2823</a>.', 'Success Stories', '', 'inherit', 'closed', 'closed', '', '5-revision-v1', '', '', '2016-04-07 21:13:38', '2016-04-07 21:13:38', '', 5, 'http://reidownpayment.org/5-revision-v1/', 0, 'revision', '', 0),
(1275, 2, '2016-04-08 14:02:30', '2016-04-08 14:02:30', 'All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock. One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>  7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'closed', 'closed', '', '215-revision-v1', '', '', '2016-04-08 14:02:30', '2016-04-08 14:02:30', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1276, 2, '2016-04-11 13:57:32', '2016-04-11 13:57:32', 'All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock. One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>  7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'closed', 'closed', '', '215-revision-v1', '', '', '2016-04-11 13:57:32', '2016-04-11 13:57:32', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1277, 2, '2016-04-12 14:02:05', '2016-04-12 14:02:05', 'All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock. One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>  7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'closed', 'closed', '', '215-revision-v1', '', '', '2016-04-12 14:02:05', '2016-04-12 14:02:05', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1278, 2, '2016-04-13 14:38:55', '2016-04-13 14:38:55', 'All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock. One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>  7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'closed', 'closed', '', '215-revision-v1', '', '', '2016-04-13 14:38:55', '2016-04-13 14:38:55', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1279, 2, '2016-04-14 14:17:04', '2016-04-14 14:17:04', 'All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock. One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>  7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'closed', 'closed', '', '215-revision-v1', '', '', '2016-04-14 14:17:04', '2016-04-14 14:17:04', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1281, 2, '2016-04-15 14:09:59', '2016-04-15 14:09:59', 'All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock. One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>  7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'closed', 'closed', '', '215-revision-v1', '', '', '2016-04-15 14:09:59', '2016-04-15 14:09:59', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1282, 2, '2016-04-18 14:29:49', '2016-04-18 14:29:49', 'All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock. One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>  7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'closed', 'closed', '', '215-revision-v1', '', '', '2016-04-18 14:29:49', '2016-04-18 14:29:49', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1283, 2, '2016-04-19 14:00:29', '2016-04-19 14:00:29', 'All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock. One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>  7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'closed', 'closed', '', '215-revision-v1', '', '', '2016-04-19 14:00:29', '2016-04-19 14:00:29', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1284, 2, '2016-04-20 14:15:08', '2016-04-20 14:15:08', 'All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock. One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>  7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'closed', 'closed', '', '215-revision-v1', '', '', '2016-04-20 14:15:08', '2016-04-20 14:15:08', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1285, 2, '2016-04-21 13:49:27', '2016-04-21 13:49:27', 'All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock. One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>  7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'closed', 'closed', '', '215-revision-v1', '', '', '2016-04-21 13:49:27', '2016-04-21 13:49:27', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1286, 2, '2016-04-22 14:00:10', '2016-04-22 14:00:10', 'All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock. One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>  7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'closed', 'closed', '', '215-revision-v1', '', '', '2016-04-22 14:00:10', '2016-04-22 14:00:10', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1288, 2, '2016-04-25 14:00:17', '2016-04-25 14:00:17', 'All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock. One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>  7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'closed', 'closed', '', '215-revision-v1', '', '', '2016-04-25 14:00:17', '2016-04-25 14:00:17', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1289, 2, '2016-04-25 14:00:57', '2016-04-25 14:00:57', 'All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock. One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>  7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'closed', 'closed', '', '215-revision-v1', '', '', '2016-04-25 14:00:57', '2016-04-25 14:00:57', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1290, 2, '2016-04-26 14:00:26', '2016-04-26 14:00:26', 'All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock. One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>  7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'closed', 'closed', '', '215-revision-v1', '', '', '2016-04-26 14:00:26', '2016-04-26 14:00:26', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1291, 2, '2016-04-27 14:01:22', '2016-04-27 14:01:22', 'All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock. One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>  7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'closed', 'closed', '', '215-revision-v1', '', '', '2016-04-27 14:01:22', '2016-04-27 14:01:22', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1292, 2, '2016-04-27 18:51:24', '2016-04-27 18:51:24', 'All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock. One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>  7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'closed', 'closed', '', '215-revision-v1', '', '', '2016-04-27 18:51:24', '2016-04-27 18:51:24', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1293, 2, '2016-04-28 13:57:53', '2016-04-28 13:57:53', 'All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock. One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>  7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'closed', 'closed', '', '215-revision-v1', '', '', '2016-04-28 13:57:53', '2016-04-28 13:57:53', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1294, 2, '2016-04-29 14:28:14', '2016-04-29 14:28:14', 'All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock. One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>  7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'closed', 'closed', '', '215-revision-v1', '', '', '2016-04-29 14:28:14', '2016-04-29 14:28:14', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1295, 2, '2016-05-02 13:58:09', '2016-05-02 13:58:09', 'All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock. One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>  7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'closed', 'closed', '', '215-revision-v1', '', '', '2016-05-02 13:58:09', '2016-05-02 13:58:09', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1297, 2, '2016-05-03 14:04:56', '2016-05-03 14:04:56', 'All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock. One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>  7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'closed', 'closed', '', '215-revision-v1', '', '', '2016-05-03 14:04:56', '2016-05-03 14:04:56', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1298, 2, '2016-05-04 14:01:57', '2016-05-04 14:01:57', 'All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock. One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>  7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'closed', 'closed', '', '215-revision-v1', '', '', '2016-05-04 14:01:57', '2016-05-04 14:01:57', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1299, 2, '2016-05-05 14:20:07', '2016-05-05 14:20:07', 'All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock. One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>  7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'closed', 'closed', '', '215-revision-v1', '', '', '2016-05-05 14:20:07', '2016-05-05 14:20:07', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1300, 2, '2016-05-06 13:43:31', '2016-05-06 13:43:31', 'All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock. One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>  7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'closed', 'closed', '', '215-revision-v1', '', '', '2016-05-06 13:43:31', '2016-05-06 13:43:31', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1301, 2, '2016-05-09 14:01:35', '2016-05-09 14:01:35', 'All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock. One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>  7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'closed', 'closed', '', '215-revision-v1', '', '', '2016-05-09 14:01:35', '2016-05-09 14:01:35', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1303, 2, '2016-05-12 14:07:30', '2016-05-12 14:07:30', 'All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock. One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>  7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'closed', 'closed', '', '215-revision-v1', '', '', '2016-05-12 14:07:30', '2016-05-12 14:07:30', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1304, 2, '2016-05-12 19:49:55', '2016-05-12 19:49:55', '', 'Conventional Loan Delivery Checklist 2.12.16', '', 'inherit', 'open', 'closed', '', 'conventional-loan-delivery-checklist-2-12-16', '', '', '2016-05-12 19:49:55', '2016-05-12 19:49:55', '', 0, 'http://reidownpayment.org/wp/wp-content/uploads/2016/05/Conventional-Loan-Delivery-Checklist-2.12.16.pdf', 0, 'attachment', 'application/pdf', 0),
(1305, 2, '2016-05-12 19:49:57', '2016-05-12 19:49:57', '', 'Government Loan Delivery Checklist 2.12.16', '', 'inherit', 'open', 'closed', '', 'government-loan-delivery-checklist-2-12-16', '', '', '2016-05-12 19:49:57', '2016-05-12 19:49:57', '', 0, 'http://reidownpayment.org/wp/wp-content/uploads/2016/05/Government-Loan-Delivery-Checklist-2.12.16.pdf', 0, 'attachment', 'application/pdf', 0),
(1306, 2, '2016-05-12 19:50:47', '2016-05-12 19:50:47', '<strong>REI GIFT100 - Conventional</strong>\r\n\r\nREI Down Payment Assistance invests in Oklahoma’s future by providing housing opportunities to low income individuals and families. The statewide REI Gift100 Program provides a competitive first mortgage and down payment and closing cost assistance to eligible mortgagors. The down payment is in the form of a gift. There are no second liens or deed restrictions filed against the property. The program includes the following loan types:\r\n<ul>\r\n	<li>Fannie Mae HFA Preferred - up to 97% LTV</li>\r\n</ul>\r\nRate/term refinance on any of the above loan products.\r\n\r\n<strong>Lenders:</strong> Lenders must be approved by U.S. Bank to participate in the REI Gift100 program. Interested lenders should contact Dena Sherrill, Housing Program Manager, REI Down Payment Assistance at 1-800-658-2823 or dsherrill@reiok.org or Jeremy Layman, Housing Program Specialist at <a href=\"mailto:jlayman@reiok.org\">jlayman@reiok.org</a>.\r\n\r\n<strong>***Third Party Origination is not allowed***</strong>\r\n\r\n<strong>Program Highlights</strong>\r\n\r\n<strong>Structure:</strong> The funds may be used to fund up to 100% of the Borrower\'s cash requirement to close, including the down payment, closing costs, pre-paid items and other related Mortgage Loan fees and expenses. No portion of the gift funds can be paid to the Borrower unless the Borrower is being reimbursed for an overage of his/her earnest money deposit and pre-paid expenses to the extent the minimum Borrower contribution has been satisfied. Under the rate/term refinance option, any funds above the amount needed to pay the Borrower\'s loan related costs must be used to reduce the principal amount of the First Mortgage loan.\r\n<ul>\r\n	<li>Fannie Mae HFA Preferred\r\n<ul>\r\n	<li>Gift of 3.0, 4.0, or 5.0% of the total loan amount</li>\r\n</ul>\r\n</li>\r\n</ul>\r\n<strong>First Mortgage Origination Fee: </strong>Usual and customary at lender’s discretion.\r\n\r\n<strong>Interest rates:</strong> REI Down Payment Assistance will post First Mortgage interest rates by 9:00 a.m. C.S.T. daily on the Lender Portal at www.reigift100.org. <strong>All loans must be delivered and purchased by U.S. Bank prior within 60 days of rate lock.</strong> One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>7 days is 0.09375%</li>\r\n	<li>15 days is 0.1875%</li>\r\n	<li>22 days is 0.28125%</li>\r\n	<li>30 days is 0.375%</li>\r\n</ul>\r\n<strong>***Rates can be subject to intra-day pricing changes***</strong>\r\n\r\n<strong>Income Limits:</strong> The Borrower\'s qualifying income must not exceed Program Income Limits. Click on Area Median Income below to view income limits. They can also be found in the Lender Portal at www.reigift100.org.\r\n\r\n<strong>***Lenders will be responsible for ensuring that the income meets program guidelines.***</strong>\r\n\r\n<strong>Credit Score:</strong>\r\n<ul>\r\n	<li>Loan to Value (LTV) of 95.01% - 97% - minimum credit score of 680</li>\r\n	<li>Loan to Value (LTV) =&lt;95% - minimum credit score of 640</li>\r\n</ul>\r\n<strong>Maximum DTI:</strong> 45% no exceptions. See Program Summary below for more specific underwriting and/or manual underwriting details.\r\n\r\n<strong>Mortgage Insurance: </strong>Approved MI Companies are Arch, Essent, Genworth, MGIC, Radian, and United Guaranty\r\n\r\n<strong>MI Coverage:</strong>\r\n18% for LTVs &gt;95% and &lt; = 97%\r\n16% for LTVs &gt;90% and &lt;= 95%\r\n12% for LTVs &gt;85% and &lt;= 90%\r\n6% for LTVs &gt;80% and &lt;= 85%\r\n\r\n<strong>Seller Contributions:</strong> 3% Maximum for CLTV Greater than 90% and 6% maximum of CLTV less than or equal to 90%. May be used for closing costs and/or single or split MI premiums\r\n\r\n<strong>First Time Home Buyer:</strong> No first-time home buyer requirement, however the borrower cannot as of the note date, have any individual or joint ownership interest in any other residential properties.\r\n\r\n<strong>Home Buyer Education:</strong>\r\n<ul>\r\n	<li>Loan to Value (LTV) of 95.01% - 97% - Homebuyer Education is required for at least one borrower.</li>\r\n	<li>Loan to Value (LTV) =&lt; 95% - Homebuyer Education only required if all borrowers are first-time homebuyers. In that event, at least one homeowner must complete pre-purchase homebuyer education and counseling.</li>\r\n</ul>\r\n<strong>REI can provide Homebuyer Education through EHome America, please click on the following link to take the online course. The cost is $99.00.</strong>\r\n\r\n<a href=\"http://www.ehomeamerica.org/reiok\">www.ehomeamerica.org/reiok</a>\r\n<ul>\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2016/04/REI-Gift100-Fannie-Mae-Conventional-Program-Summary-16.04.05.pdf\" target=\"_blank\">REI Gift100 Conventional Program Summary</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2016/04/2016-Area-Median-Incomes-Conventional.pdf\" target=\"_blank\">2016 Area Median Income – Gift100 Program</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2016/05/Conventional-Loan-Delivery-Checklist-2.12.16.pdf\" target=\"_blank\">Conventional Stacking Order</a></li>\r\n</ul>\r\n</ul>\r\n&nbsp;', 'REI Gift100 Conventional Loan Program', '', 'inherit', 'closed', 'closed', '', '217-revision-v1', '', '', '2016-05-12 19:50:47', '2016-05-12 19:50:47', '', 217, 'http://reidownpayment.org/217-revision-v1/', 0, 'revision', '', 0),
(1307, 2, '2016-05-12 19:51:15', '2016-05-12 19:51:15', '<b>REI GIFT100 - Government\r\n</b>\r\n\r\nREI Down Payment Assistance invests in Oklahoma’s future by providing housing opportunities to low income individuals and families.  The 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.\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 Structure:</strong>\r\n\r\nThe down payment assistance is in the form of a gift and is based on a percentage of the total first mortgage loan amount.\r\n<ul>\r\n	<li>The funds may be used to fund up to 100% of the Borrower’s cash requirement to close, including the down payment, closing costs, pre-paid items and other related Mortgage Loan fees and expenses. No portion of the gift funds can be paid to the Borrower unless the Borrower is being reimbursed for an overage of his/her earnest money deposit to the extent the minimum Borrower contribution has been satisfied. Under the rate/term refinance option, any funds above the amount needed to pay the Borrower’s loan related costs must be used to reduce the principal amount of the First Mortgage loan.</li>\r\n</ul>\r\n<strong>FHA, RD, HUD 184, VA - </strong>Amount of Assistance/Credit Score/Underwriting:\r\n<ul>\r\n	<li>Down Payment Assistance of 3.5% or 5.0% of the total first loan amount.</li>\r\n	<li>Loans may be underwritten through an automated underwriting System (DU or LP) – Rural Development Loans (GUS)</li>\r\n	<li>All borrowers MUST have a minimum representative Credit Score of 640.</li>\r\n	<li>Manual Underwrite – a loan can be manually underwritten at the lender’s discretion if there is an AUS finding of refer or if the borrower has NO FICO Score. The maximum DTI for manually underwritten loans is 36% and borrower must have 2 months PITI reserves after closing (or per product guide if greater). Follow manual underwriting guidelines for the appropriate loan product.</li>\r\n</ul>\r\n<strong>Debt Ratio for FHA, RD, VA, &amp; HUD 184</strong>\r\n<ul>\r\n	<li>Determined by First Mortgage Program not to exceed 45%.</li>\r\n	<li>Manual Underwrite/Alternative Credit Score 36% with 2 months PITI reserves after closing.</li>\r\n</ul>\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. Please see Program Summary below for details.\r\n\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>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/2016/04/REI-Gift100-Program-Summary-16.4.05.pdf\" target=\"_blank\">REI Gift100 Program Summary</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2016/04/2016-Area-Median-Incomes-FHA-VA-HUD-184.pdf\" target=\"_blank\">2016 Area Median Income - Gift100 Program</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2016/05/Government-Loan-Delivery-Checklist-2.12.16.pdf\" target=\"_blank\">Government Stacking Order</a></li>\r\n	<li><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal</a></li>\r\n</ul>\r\n<strong>US Bank Forms &amp; Bulletins:</strong>\r\n<ul>\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/05/USB-002-DPA-Form.pdf\" target=\"_blank\">US Bank Down Payment Assistance Form</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/05/MRBP-Government-Loan-Delivery-Checklist-pg-1.pdf\" target=\"_blank\">Delivery Checklist Form</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/05/MRB-Funding-Fee-Increase-2014-37.pdf\" target=\"_blank\">Funding Fee Increase Bulletin 2014-37</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/05/Loan-Review-Process-Reminders-2014-26.pdf\" target=\"_blank\">Loan Review Process Bulletin 2014-26</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/06/MRBP-Compliance-Audit-Reminders-2014-40.pdf\" target=\"_blank\">MRBP Compliance Audit Reminder 2014-40</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/06/MRBP_Compliance_Reminders-2014-39.pdf\" target=\"_blank\">MRBP Compliance Reminders 2014-39</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/07/MRBP-Flood-Insurance-Requirements-2014-41.pdf\" target=\"_blank\">MRBP Flood Insurance Requirements 2014-41</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/07/MRBP-Dodd-Frank-Reminders-2014-42.pdf\" target=\"_blank\">MRBP Dodd-Frank Reminders 2014-42</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/07/NMLS-Requirement-Bulletin-2014-43.pdf\" target=\"_blank\">NMLS Requirement Bulletin 2014-43</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/09/Revised-Communications-Bulletin-2014-48.pdf\" target=\"_blank\"><span class=\"title\">Revised Communications Bulletin 2014-48</span></a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2014/11/Amendatory-Clause-LOU-HFA-2.pdf\" target=\"_blank\">Amendatory Clause LOU - HFA 2</a></li>\r\n</ul>\r\n</ul>', 'REI Gift100 Government Loan Program', '', 'inherit', 'closed', 'closed', '', '431-revision-v1', '', '', '2016-05-12 19:51:15', '2016-05-12 19:51:15', '', 431, 'http://reidownpayment.org/431-revision-v1/', 0, 'revision', '', 0),
(1308, 2, '2016-05-12 19:56:46', '2016-05-12 19:56:46', '<img class=\"size-full wp-image-146 alignright\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/homebuyers-pic-1.png\" alt=\"homebuyers-pic-1\" width=\"348\" height=\"348\" />\r\n\r\n<strong>REI Gift100 Program\r\n</strong>\r\n\r\nREI Down Payment Assistance invests in Oklahoma’s future by providing housing opportunities to low income individuals and families. The statewide REI Gift100 Program provides a competitive first mortgage and down payment/closing cost assistance to eligible mortgagors. The down payment is in the form of a gift that you are not required to pay back and there will not be second liens or deed restrictions against your property. This program can be used with the following loan types:\r\n<ul>\r\n	<li>FHA</li>\r\n	<li>VA</li>\r\n	<li>Rural Development</li>\r\n	<li>HUD Section 184</li>\r\n	<li>Fannie Mae HFA Preferred</li>\r\n</ul>\r\nRate/term refinance on any of the above loan products.\r\n\r\n<strong>Program Highlights:</strong>\r\n\r\n<strong>Structure: </strong>The funds may be used to fund up to 100% of the Borrower\'s cash requirement to close, including the down payment, closing costs, pre-paid items and other related mortgage loan fees and expenses. The following is a breakdown of the assistance available:\r\n<ul>\r\n	<li>FHA, VA, Rural Development &amp; HUD Section 184\r\n<ul>\r\n	<li>Gift of 3.5 or 5.0% of the total loan amount</li>\r\n</ul>\r\n</li>\r\n	<li>Fannie Mae HFA Preferred &amp; Freddie Mac HFA Advantage\r\n<ul>\r\n	<li>Gift of 3.0, 4.0, or 5.0% of the total loan amount</li>\r\n</ul>\r\n</li>\r\n</ul>\r\n<strong>Lenders:</strong> You may use the REI Gift100 approved lender of your choice. If you are using a lender that is not familiar with the program or is not approved, please have them contact Dena Sherrill, REI Down Payment Assistance Manager at 800-658-2823 or <a href=\"mailto:dsherrill@reiok.org\">dsherrill@reiok.org</a>.\r\n\r\n<strong>Income Limits:</strong> Income limits apply based on qualifying income and household size. Click on the appropriate link below for the Area Median Income requirements.\r\n\r\n<strong>Credit Score:</strong>\r\n<ul>\r\n	<li>FHA, VA, Rural Development &amp; HUD Section 184\r\n<ul>\r\n	<li><span style=\"color: #190707;\">Minimum Credit Score of 640</span></li>\r\n</ul>\r\n</li>\r\n	<li>Fannie Mae HFA Preferred &amp; Freddie Mac HFA Advantage\r\n<ul>\r\n	<li><span style=\"color: #190707;\">Loan to Value (LTV) of 95.01% - 97% - minimum credit score of 680</span></li>\r\n	<li><span style=\"color: #190707;\">Loan to Value (LTV) =&lt;95% - minimum credit score of 640</span></li>\r\n</ul>\r\n</li>\r\n</ul>\r\n<strong>First Time Home Buyer: </strong>No first-time home buyer requirement, however the borrower cannot  as of the note date, have any individual or joint ownership interest in any other residential properties.<strong>\r\n</strong>\r\n\r\n<strong>REI can provide Homebuyer Education through EHome America, please click on the following link to take the online course. The cost is $99.00. </strong><a href=\"http://www.ehomeamerica.org/reiok\">www.ehomeamerica.org/reiok</a>\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2015/06/2015-Area-Median-Incomes-FHA-VA-HUD-184.pdf\" target=\"_blank\">2015 Income Limits for FHA, VA, &amp; HUD 184</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2016/04/2016-Area-Median-Incomes-Conventional.pdf\" target=\"_blank\">2016 Income Limits for Conventional Program</a></li>\r\n</ul>', 'REI Gift100 Program', '', 'inherit', 'closed', 'closed', '', '168-revision-v1', '', '', '2016-05-12 19:56:46', '2016-05-12 19:56:46', '', 168, 'http://reidownpayment.org/168-revision-v1/', 0, 'revision', '', 0);
INSERT INTO `wp_posts` (`ID`, `post_author`, `post_date`, `post_date_gmt`, `post_content`, `post_title`, `post_excerpt`, `post_status`, `comment_status`, `ping_status`, `post_password`, `post_name`, `to_ping`, `pinged`, `post_modified`, `post_modified_gmt`, `post_content_filtered`, `post_parent`, `guid`, `menu_order`, `post_type`, `post_mime_type`, `comment_count`) VALUES
(1309, 2, '2016-05-12 19:57:55', '2016-05-12 19:57:55', '<img class=\"size-full wp-image-146 alignright\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/homebuyers-pic-1.png\" alt=\"homebuyers-pic-1\" width=\"348\" height=\"348\" />\r\n\r\n<strong>REI Gift100 Program\r\n</strong>\r\n\r\nREI Down Payment Assistance invests in Oklahoma’s future by providing housing opportunities to low income individuals and families. The statewide REI Gift100 Program provides a competitive first mortgage and down payment/closing cost assistance to eligible mortgagors. The down payment is in the form of a gift that you are not required to pay back and there will not be second liens or deed restrictions against your property. This program can be used with the following loan types:\r\n<ul>\r\n	<li>FHA</li>\r\n	<li>VA</li>\r\n	<li>Rural Development</li>\r\n	<li>HUD Section 184</li>\r\n	<li>Fannie Mae HFA Preferred</li>\r\n</ul>\r\nRate/term refinance on any of the above loan products.\r\n\r\n<strong>Program Highlights:</strong>\r\n\r\n<strong>Structure: </strong>The funds may be used to fund up to 100% of the Borrower\'s cash requirement to close, including the down payment, closing costs, pre-paid items and other related mortgage loan fees and expenses. The following is a breakdown of the assistance available:\r\n<ul>\r\n	<li>FHA, VA, Rural Development &amp; HUD Section 184\r\n<ul>\r\n	<li>Gift of 3.5 or 5.0% of the total loan amount</li>\r\n</ul>\r\n</li>\r\n	<li>Fannie Mae HFA Preferred\r\n<ul>\r\n	<li>Gift of 3.0, 4.0, or 5.0% of the total loan amount</li>\r\n</ul>\r\n</li>\r\n</ul>\r\n<strong>Lenders:</strong> You may use the REI Gift100 approved lender of your choice. If you are using a lender that is not familiar with the program or is not approved, please have them contact Dena Sherrill, REI Down Payment Assistance Manager at 800-658-2823 or <a href=\"mailto:dsherrill@reiok.org\">dsherrill@reiok.org</a>.\r\n\r\n<strong>Income Limits:</strong> Income limits apply based on qualifying income and household size. Click on the appropriate link below for the Area Median Income requirements.\r\n\r\n<strong>Credit Score:</strong>\r\n<ul>\r\n	<li>FHA, VA, Rural Development &amp; HUD Section 184\r\n<ul>\r\n	<li><span style=\"color: #190707;\">Minimum Credit Score of 640</span></li>\r\n</ul>\r\n</li>\r\n	<li>Fannie Mae HFA Preferred &amp; Freddie Mac HFA Advantage\r\n<ul>\r\n	<li><span style=\"color: #190707;\">Loan to Value (LTV) of 95.01% - 97% - minimum credit score of 680</span></li>\r\n	<li><span style=\"color: #190707;\">Loan to Value (LTV) =&lt;95% - minimum credit score of 640</span></li>\r\n</ul>\r\n</li>\r\n</ul>\r\n<strong>First Time Home Buyer: </strong>No first-time home buyer requirement, however the borrower cannot  as of the note date, have any individual or joint ownership interest in any other residential properties.<strong>\r\n</strong>\r\n\r\n<strong>REI can provide Homebuyer Education through EHome America, please click on the following link to take the online course. The cost is $99.00. </strong><a href=\"http://www.ehomeamerica.org/reiok\">www.ehomeamerica.org/reiok</a>\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2015/06/2015-Area-Median-Incomes-FHA-VA-HUD-184.pdf\" target=\"_blank\">2015 Income Limits for FHA, VA, &amp; HUD 184</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2016/04/2016-Area-Median-Incomes-Conventional.pdf\" target=\"_blank\">2016 Income Limits for Conventional Program</a></li>\r\n</ul>', 'REI Gift100 Program', '', 'inherit', 'closed', 'closed', '', '168-revision-v1', '', '', '2016-05-12 19:57:55', '2016-05-12 19:57:55', '', 168, 'http://reidownpayment.org/168-revision-v1/', 0, 'revision', '', 0),
(1310, 2, '2016-05-12 19:58:33', '2016-05-12 19:58:33', '<img class=\"size-full wp-image-146 alignright\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/homebuyers-pic-1.png\" alt=\"homebuyers-pic-1\" width=\"348\" height=\"348\" />\r\n\r\n<strong>REI Gift100 Program\r\n</strong>\r\n\r\nREI Down Payment Assistance invests in Oklahoma’s future by providing housing opportunities to low income individuals and families. The statewide REI Gift100 Program provides a competitive first mortgage and down payment/closing cost assistance to eligible mortgagors. The down payment is in the form of a gift that you are not required to pay back and there will not be second liens or deed restrictions against your property. This program can be used with the following loan types:\r\n<ul>\r\n	<li>FHA</li>\r\n	<li>VA</li>\r\n	<li>Rural Development</li>\r\n	<li>HUD Section 184</li>\r\n	<li>Fannie Mae HFA Preferred</li>\r\n</ul>\r\nRate/term refinance on any of the above loan products.\r\n\r\n<strong>Program Highlights:</strong>\r\n\r\n<strong>Structure: </strong>The funds may be used to fund up to 100% of the Borrower\'s cash requirement to close, including the down payment, closing costs, pre-paid items and other related mortgage loan fees and expenses. The following is a breakdown of the assistance available:\r\n<ul>\r\n	<li>FHA, VA, Rural Development &amp; HUD Section 184\r\n<ul>\r\n	<li>Gift of 3.5 or 5.0% of the total loan amount</li>\r\n</ul>\r\n</li>\r\n	<li>Fannie Mae HFA Preferred\r\n<ul>\r\n	<li>Gift of 3, 4, or 5% of the total loan amount</li>\r\n</ul>\r\n</li>\r\n</ul>\r\n<strong>Lenders:</strong> You may use the REI Gift100 approved lender of your choice. If you are using a lender that is not familiar with the program or is not approved, please have them contact Dena Sherrill, REI Down Payment Assistance Manager at 800-658-2823 or <a href=\"mailto:dsherrill@reiok.org\">dsherrill@reiok.org</a>.\r\n\r\n<strong>Income Limits:</strong> Income limits apply based on qualifying income and household size. Click on the appropriate link below for the Area Median Income requirements.\r\n\r\n<strong>Credit Score:</strong>\r\n<ul>\r\n	<li>FHA, VA, Rural Development &amp; HUD Section 184\r\n<ul>\r\n	<li><span style=\"color: #190707;\">Minimum Credit Score of 640</span></li>\r\n</ul>\r\n</li>\r\n	<li>Fannie Mae HFA Preferred &amp; Freddie Mac HFA Advantage\r\n<ul>\r\n	<li><span style=\"color: #190707;\">Loan to Value (LTV) of 95.01% - 97% - minimum credit score of 680</span></li>\r\n	<li><span style=\"color: #190707;\">Loan to Value (LTV) =&lt;95% - minimum credit score of 640</span></li>\r\n</ul>\r\n</li>\r\n</ul>\r\n<strong>First Time Home Buyer: </strong>No first-time home buyer requirement, however the borrower cannot  as of the note date, have any individual or joint ownership interest in any other residential properties.<strong>\r\n</strong>\r\n\r\n<strong>REI can provide Homebuyer Education through EHome America, please click on the following link to take the online course. The cost is $99.00. </strong><a href=\"http://www.ehomeamerica.org/reiok\">www.ehomeamerica.org/reiok</a>\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2015/06/2015-Area-Median-Incomes-FHA-VA-HUD-184.pdf\" target=\"_blank\">2015 Income Limits for FHA, VA, &amp; HUD 184</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2016/04/2016-Area-Median-Incomes-Conventional.pdf\" target=\"_blank\">2016 Income Limits for Conventional Program</a></li>\r\n</ul>', 'REI Gift100 Program', '', 'inherit', 'closed', 'closed', '', '168-revision-v1', '', '', '2016-05-12 19:58:33', '2016-05-12 19:58:33', '', 168, 'http://reidownpayment.org/168-revision-v1/', 0, 'revision', '', 0),
(1311, 2, '2016-05-12 20:01:25', '2016-05-12 20:01:25', '<img class=\"size-full wp-image-146 alignright\" src=\"http://reidownpayment.org/wp/wp-content/uploads/2013/04/homebuyers-pic-1.png\" alt=\"homebuyers-pic-1\" width=\"348\" height=\"348\" />\r\n\r\n<strong>REI Gift100 Program\r\n</strong>\r\n\r\nREI Down Payment Assistance invests in Oklahoma’s future by providing housing opportunities to low income individuals and families. The statewide REI Gift100 Program provides a competitive first mortgage and down payment/closing cost assistance to eligible mortgagors. The down payment is in the form of a gift that you are not required to pay back and there will not be second liens or deed restrictions against your property. This program can be used with the following loan types:\r\n<ul>\r\n	<li>FHA</li>\r\n	<li>VA</li>\r\n	<li>Rural Development</li>\r\n	<li>HUD Section 184</li>\r\n	<li>Fannie Mae HFA Preferred</li>\r\n</ul>\r\nRate/term refinance on any of the above loan products.\r\n\r\n<strong>Program Highlights:</strong>\r\n\r\n<strong>Structure: </strong>The funds may be used to fund up to 100% of the Borrower\'s cash requirement to close, including the down payment, closing costs, pre-paid items and other related mortgage loan fees and expenses. The following is a breakdown of the assistance available:\r\n<ul>\r\n	<li>FHA, VA, Rural Development &amp; HUD Section 184\r\n<ul>\r\n	<li>Gift of 3.5 or 5.0% of the total loan amount</li>\r\n</ul>\r\n</li>\r\n	<li>Fannie Mae HFA Preferred\r\n<ul>\r\n	<li>Gift of 3, 4, or 5% of the total loan amount</li>\r\n</ul>\r\n</li>\r\n</ul>\r\n<strong>Lenders:</strong> You may use the REI Gift100 approved lender of your choice. If you are using a lender that is not familiar with the program or is not approved, please have them contact Dena Sherrill, REI Down Payment Assistance Manager at 800-658-2823 or <a href=\"mailto:dsherrill@reiok.org\">dsherrill@reiok.org</a>.\r\n\r\n<strong>Income Limits:</strong> Income limits apply based on qualifying income and household size. Click on the appropriate link below for the Area Median Income requirements.\r\n\r\n<strong>Credit Score:</strong>\r\n<ul>\r\n	<li>FHA, VA, Rural Development &amp; HUD Section 184\r\n<ul>\r\n	<li><span style=\"color: #190707;\">Minimum Credit Score of 640</span></li>\r\n</ul>\r\n</li>\r\n	<li>Fannie Mae HFA Preferred\r\n<ul>\r\n	<li>680 for loans &gt; 95% LTV</li>\r\n	<li>640 for loans =/&lt; 95% LTV</li>\r\n</ul>\r\n</li>\r\n</ul>\r\n<strong>First Time Home Buyer: </strong>No first-time home buyer requirement, however the borrower cannot  as of the note date, have any individual or joint ownership interest in any other residential properties.<strong>\r\n</strong>\r\n\r\n<strong>REI can provide Homebuyer Education through EHome America, please click on the following link to take the online course. The cost is $99.00. </strong><a href=\"http://www.ehomeamerica.org/reiok\">www.ehomeamerica.org/reiok</a>\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2015/06/2015-Area-Median-Incomes-FHA-VA-HUD-184.pdf\" target=\"_blank\">2015 Income Limits for FHA, VA, &amp; HUD 184</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2016/04/2016-Area-Median-Incomes-Conventional.pdf\" target=\"_blank\">2016 Income Limits for Conventional Program</a></li>\r\n</ul>', 'REI Gift100 Program', '', 'inherit', 'closed', 'closed', '', '168-revision-v1', '', '', '2016-05-12 20:01:25', '2016-05-12 20:01:25', '', 168, 'http://reidownpayment.org/168-revision-v1/', 0, 'revision', '', 0),
(1312, 2, '2016-05-13 14:20:34', '2016-05-13 14:20:34', 'All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock. One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>  7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'closed', 'closed', '', '215-revision-v1', '', '', '2016-05-13 14:20:34', '2016-05-13 14:20:34', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1313, 2, '2016-05-16 14:23:52', '2016-05-16 14:23:52', 'All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock. One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>  7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'closed', 'closed', '', '215-revision-v1', '', '', '2016-05-16 14:23:52', '2016-05-16 14:23:52', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1314, 2, '2016-05-17 13:53:33', '2016-05-17 13:53:33', 'All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock. One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>  7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'closed', 'closed', '', '215-revision-v1', '', '', '2016-05-17 13:53:33', '2016-05-17 13:53:33', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1315, 2, '2018-04-16 20:38:14', '2018-04-16 20:38:14', 'Home is a place of comfort, refuge and rest. These feelings are amplified when you own your home, that is why home ownership is called \"The American Dream\".  Many people do not believe that they are eligible to purchase a home. We help with down payment assistance for Oklahoma home buyers, which could be the key to you becoming a homeowner.\n\nREI Down Payment Assistance has helped more than 5,500 Oklahoma families achieve homeownership through partnerships with mortgage lenders. These programs give mortgage lenders more tools to help eligible borrowers purchase the home of their dreams. There is no first time home buyer re\n\nHome...Where Life Begins! Let us help, whether you are a potential home buyer or lender, contact us today at 800.658.2823 or fill out this <a href=\"http://reidownpayment.org/contact/\" target=\"_blank\">short form</a> for more information.', 'Down Payment Assistance for Oklahoma Homebuyers', '', 'inherit', 'closed', 'closed', '', '22-autosave-v1', '', '', '2018-04-16 20:38:14', '2018-04-16 20:38:14', '', 22, 'http://reidownpayment.org/22-autosave-v1/', 0, 'revision', '', 0),
(1316, 2, '2016-05-17 21:15:28', '2016-05-17 21:15:28', 'Home is a place of comfort, refuge and rest. These feelings are amplified when you own your home, that is why homeownership is called \"The American Dream\".  Many people do not believe that they are eligible to purchase a home. REI Down Payment Assistance has 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 3,600 Oklahoma 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', 'closed', 'closed', '', '22-revision-v1', '', '', '2016-05-17 21:15:28', '2016-05-17 21:15:28', '', 22, 'http://reidownpayment.org/22-revision-v1/', 0, 'revision', '', 0),
(1317, 2, '2016-05-17 21:17:30', '2016-05-17 21:17:30', '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 3,600 Oklahoma families achieve homeownership through partnerships with mortgage lenders. These programs give mortgage lenders more tools to help eligible borrowers purchase the home of their dreams.\r\n\r\nHome...Where Life Begins! Let us help, whether you are a potential homebuyer or lender, click the appropriate links above to learn more.', 'Home... Where Life Begins!', '', 'inherit', 'closed', 'closed', '', '22-revision-v1', '', '', '2016-05-17 21:17:30', '2016-05-17 21:17:30', '', 22, 'http://reidownpayment.org/22-revision-v1/', 0, 'revision', '', 0),
(1318, 2, '2016-05-18 14:06:55', '2016-05-18 14:06:55', 'All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock. One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>  7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'closed', 'closed', '', '215-revision-v1', '', '', '2016-05-18 14:06:55', '2016-05-18 14:06:55', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1319, 2, '2016-05-19 14:01:58', '2016-05-19 14:01:58', 'All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock. One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>  7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'closed', 'closed', '', '215-revision-v1', '', '', '2016-05-19 14:01:58', '2016-05-19 14:01:58', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1321, 2, '2016-05-20 14:00:43', '2016-05-20 14:00:43', 'All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock. One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>  7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'closed', 'closed', '', '215-revision-v1', '', '', '2016-05-20 14:00:43', '2016-05-20 14:00:43', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1322, 2, '2016-05-23 14:16:47', '2016-05-23 14:16:47', 'All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock. One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>  7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'closed', 'closed', '', '215-revision-v1', '', '', '2016-05-23 14:16:47', '2016-05-23 14:16:47', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1323, 2, '2016-05-23 14:31:25', '2016-05-23 14:31:25', '', 'REI Gift100 Fannie Mae Conventional Program Summary 16.05.20', '', 'inherit', 'open', 'closed', '', 'rei-gift100-fannie-mae-conventional-program-summary-16-05-20', '', '', '2016-05-23 14:31:25', '2016-05-23 14:31:25', '', 0, 'http://reidownpayment.org/wp/wp-content/uploads/2016/05/REI-Gift100-Fannie-Mae-Conventional-Program-Summary-16.05.20.pdf', 0, 'attachment', 'application/pdf', 0),
(1324, 2, '2016-05-23 14:32:06', '2016-05-23 14:32:06', '<strong>REI GIFT100 - Conventional</strong>\r\n\r\nREI Down Payment Assistance invests in Oklahoma’s future by providing housing opportunities to low income individuals and families. The statewide REI Gift100 Program provides a competitive first mortgage and down payment and closing cost assistance to eligible mortgagors. The down payment is in the form of a gift. There are no second liens or deed restrictions filed against the property. The program includes the following loan types:\r\n<ul>\r\n	<li>Fannie Mae HFA Preferred - up to 97% LTV</li>\r\n</ul>\r\nRate/term refinance on any of the above loan products.\r\n\r\n<strong>Lenders:</strong> Lenders must be approved by U.S. Bank to participate in the REI Gift100 program. Interested lenders should contact Dena Sherrill, Housing Program Manager, REI Down Payment Assistance at 1-800-658-2823 or dsherrill@reiok.org or Jeremy Layman, Housing Program Specialist at <a href=\"mailto:jlayman@reiok.org\">jlayman@reiok.org</a>.\r\n\r\n<strong>***Third Party Origination is not allowed***</strong>\r\n\r\n<strong>Program Highlights</strong>\r\n\r\n<strong>Structure:</strong> The funds may be used to fund up to 100% of the Borrower\'s cash requirement to close, including the down payment, closing costs, pre-paid items and other related Mortgage Loan fees and expenses. No portion of the gift funds can be paid to the Borrower unless the Borrower is being reimbursed for an overage of his/her earnest money deposit and pre-paid expenses to the extent the minimum Borrower contribution has been satisfied. Under the rate/term refinance option, any funds above the amount needed to pay the Borrower\'s loan related costs must be used to reduce the principal amount of the First Mortgage loan.\r\n<ul>\r\n	<li>Fannie Mae HFA Preferred\r\n<ul>\r\n	<li>Gift of 3.0, 4.0, or 5.0% of the total loan amount</li>\r\n</ul>\r\n</li>\r\n</ul>\r\n<strong>First Mortgage Origination Fee: </strong>Usual and customary at lender’s discretion.\r\n\r\n<strong>Interest rates:</strong> REI Down Payment Assistance will post First Mortgage interest rates by 9:00 a.m. C.S.T. daily on the Lender Portal at www.reigift100.org. <strong>All loans must be delivered and purchased by U.S. Bank prior within 60 days of rate lock.</strong> One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>7 days is 0.09375%</li>\r\n	<li>15 days is 0.1875%</li>\r\n	<li>22 days is 0.28125%</li>\r\n	<li>30 days is 0.375%</li>\r\n</ul>\r\n<strong>***Rates can be subject to intra-day pricing changes***</strong>\r\n\r\n<strong>Income Limits:</strong> The Borrower\'s qualifying income must not exceed Program Income Limits. Click on Area Median Income below to view income limits. They can also be found in the Lender Portal at www.reigift100.org.\r\n\r\n<strong>***Lenders will be responsible for ensuring that the income meets program guidelines.***</strong>\r\n\r\n<strong>Credit Score:</strong>\r\n<ul>\r\n	<li>Loan to Value (LTV) of 95.01% - 97% - minimum credit score of 680</li>\r\n	<li>Loan to Value (LTV) =&lt;95% - minimum credit score of 640</li>\r\n</ul>\r\n<strong>Maximum DTI:</strong> 45% no exceptions. See Program Summary below for more specific underwriting and/or manual underwriting details.\r\n\r\n<strong>Mortgage Insurance: </strong>Approved MI Companies are Arch, Essent, Genworth, MGIC, Radian, and United Guaranty\r\n\r\n<strong>MI Coverage:</strong>\r\n18% for LTVs &gt;95% and &lt; = 97%\r\n16% for LTVs &gt;90% and &lt;= 95%\r\n12% for LTVs &gt;85% and &lt;= 90%\r\n6% for LTVs &gt;80% and &lt;= 85%\r\n\r\n<strong>Seller Contributions:</strong> 3% Maximum for CLTV Greater than 90% and 6% maximum of CLTV less than or equal to 90%. May be used for closing costs and/or single or split MI premiums\r\n\r\n<strong>First Time Home Buyer:</strong> No first-time home buyer requirement, however the borrower cannot as of the note date, have any individual or joint ownership interest in any other residential properties.\r\n\r\n<strong>Home Buyer Education:</strong>\r\n<ul>\r\n	<li>Loan to Value (LTV) of 95.01% - 97% - Homebuyer Education is required for at least one borrower.</li>\r\n	<li>Loan to Value (LTV) =&lt; 95% - Homebuyer Education only required if all borrowers are first-time homebuyers. In that event, at least one homeowner must complete pre-purchase homebuyer education and counseling.</li>\r\n</ul>\r\n<strong>REI can provide Homebuyer Education through EHome America, please click on the following link to take the online course. The cost is $99.00.</strong>\r\n\r\n<a href=\"http://www.ehomeamerica.org/reiok\">www.ehomeamerica.org/reiok</a>\r\n<ul>\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2016/05/REI-Gift100-Fannie-Mae-Conventional-Program-Summary-16.05.20.pdf\" target=\"_blank\">REI Gift100 Conventional Program Summary</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2016/04/2016-Area-Median-Incomes-Conventional.pdf\" target=\"_blank\">2016 Area Median Income – Gift100 Program</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2016/05/Conventional-Loan-Delivery-Checklist-2.12.16.pdf\" target=\"_blank\">Conventional Stacking Order</a></li>\r\n</ul>\r\n</ul>\r\n&nbsp;', 'REI Gift100 Conventional Loan Program', '', 'inherit', 'closed', 'closed', '', '217-revision-v1', '', '', '2016-05-23 14:32:06', '2016-05-23 14:32:06', '', 217, 'http://reidownpayment.org/217-revision-v1/', 0, 'revision', '', 0),
(1325, 2, '2016-05-24 14:06:29', '2016-05-24 14:06:29', 'All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock. One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>  7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'closed', 'closed', '', '215-revision-v1', '', '', '2016-05-24 14:06:29', '2016-05-24 14:06:29', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1326, 2, '2016-05-24 14:06:48', '2016-05-24 14:06:48', 'All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock. One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>  7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'closed', 'closed', '', '215-revision-v1', '', '', '2016-05-24 14:06:48', '2016-05-24 14:06:48', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1327, 2, '2016-05-25 14:08:24', '2016-05-25 14:08:24', 'All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock. One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>  7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'closed', 'closed', '', '215-revision-v1', '', '', '2016-05-25 14:08:24', '2016-05-25 14:08:24', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1328, 2, '2016-05-26 13:54:05', '2016-05-26 13:54:05', 'All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock. One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>  7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'closed', 'closed', '', '215-revision-v1', '', '', '2016-05-26 13:54:05', '2016-05-26 13:54:05', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1330, 2, '2016-05-31 13:57:15', '2016-05-31 13:57:15', 'All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock. One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>  7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'closed', 'closed', '', '215-revision-v1', '', '', '2016-05-31 13:57:15', '2016-05-31 13:57:15', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1331, 2, '2016-06-01 13:58:51', '2016-06-01 13:58:51', 'All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock. One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>  7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'closed', 'closed', '', '215-revision-v1', '', '', '2016-06-01 13:58:51', '2016-06-01 13:58:51', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1332, 2, '2016-06-02 14:41:27', '2016-06-02 14:41:27', 'All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock. One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>  7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'closed', 'closed', '', '215-revision-v1', '', '', '2016-06-02 14:41:27', '2016-06-02 14:41:27', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1333, 2, '2016-06-03 13:57:47', '2016-06-03 13:57:47', 'All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock. One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>  7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'closed', 'closed', '', '215-revision-v1', '', '', '2016-06-03 13:57:47', '2016-06-03 13:57:47', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1334, 2, '2016-06-06 14:04:26', '2016-06-06 14:04:26', 'All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock. One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>  7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'closed', 'closed', '', '215-revision-v1', '', '', '2016-06-06 14:04:26', '2016-06-06 14:04:26', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1335, 2, '2016-06-07 14:02:46', '2016-06-07 14:02:46', 'All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock. One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>  7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'closed', 'closed', '', '215-revision-v1', '', '', '2016-06-07 14:02:46', '2016-06-07 14:02:46', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1337, 2, '2016-06-08 13:59:04', '2016-06-08 13:59:04', 'All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock. One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>  7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'closed', 'closed', '', '215-revision-v1', '', '', '2016-06-08 13:59:04', '2016-06-08 13:59:04', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1338, 2, '2016-06-09 14:00:13', '2016-06-09 14:00:13', 'All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock. One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>  7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'closed', 'closed', '', '215-revision-v1', '', '', '2016-06-09 14:00:13', '2016-06-09 14:00:13', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1339, 2, '2016-06-10 13:59:04', '2016-06-10 13:59:04', 'All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock. One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>  7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'closed', 'closed', '', '215-revision-v1', '', '', '2016-06-10 13:59:04', '2016-06-10 13:59:04', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1340, 2, '2016-06-13 13:58:50', '2016-06-13 13:58:50', 'All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock. One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>  7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'closed', 'closed', '', '215-revision-v1', '', '', '2016-06-13 13:58:50', '2016-06-13 13:58:50', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1341, 2, '2016-06-14 14:36:10', '2016-06-14 14:36:10', 'All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock. One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>  7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'closed', 'closed', '', '215-revision-v1', '', '', '2016-06-14 14:36:10', '2016-06-14 14:36:10', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1342, 2, '2016-06-15 14:10:05', '2016-06-15 14:10:05', 'All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock. One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>  7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'closed', 'closed', '', '215-revision-v1', '', '', '2016-06-15 14:10:05', '2016-06-15 14:10:05', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1344, 2, '2016-06-16 15:00:57', '2016-06-16 15:00:57', 'All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock. One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>  7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'closed', 'closed', '', '215-revision-v1', '', '', '2016-06-16 15:00:57', '2016-06-16 15:00:57', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1345, 2, '2016-06-17 14:13:40', '2016-06-17 14:13:40', 'All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock. One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>  7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'closed', 'closed', '', '215-revision-v1', '', '', '2016-06-17 14:13:40', '2016-06-17 14:13:40', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1346, 2, '2016-06-20 14:04:54', '2016-06-20 14:04:54', 'All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock. One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>  7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'closed', 'closed', '', '215-revision-v1', '', '', '2016-06-20 14:04:54', '2016-06-20 14:04:54', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1347, 2, '2016-06-21 14:06:48', '2016-06-21 14:06:48', 'All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock. One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>  7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'closed', 'closed', '', '215-revision-v1', '', '', '2016-06-21 14:06:48', '2016-06-21 14:06:48', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1348, 2, '2016-06-22 14:57:16', '2016-06-22 14:57:16', 'All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock. One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>  7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'closed', 'closed', '', '215-revision-v1', '', '', '2016-06-22 14:57:16', '2016-06-22 14:57:16', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1349, 2, '2016-06-23 15:29:00', '2016-06-23 15:29:00', 'All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock. One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>  7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'closed', 'closed', '', '215-revision-v1', '', '', '2016-06-23 15:29:00', '2016-06-23 15:29:00', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1351, 2, '2016-06-24 14:06:40', '2016-06-24 14:06:40', 'All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock. One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>  7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'closed', 'closed', '', '215-revision-v1', '', '', '2016-06-24 14:06:40', '2016-06-24 14:06:40', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1352, 2, '2016-06-27 14:31:27', '2016-06-27 14:31:27', 'All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock. One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>  7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'closed', 'closed', '', '215-revision-v1', '', '', '2016-06-27 14:31:27', '2016-06-27 14:31:27', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1353, 2, '2016-06-28 14:01:34', '2016-06-28 14:01:34', 'All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock. One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>  7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'closed', 'closed', '', '215-revision-v1', '', '', '2016-06-28 14:01:34', '2016-06-28 14:01:34', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1354, 2, '2016-06-29 14:04:20', '2016-06-29 14:04:20', 'All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock. One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>  7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'closed', 'closed', '', '215-revision-v1', '', '', '2016-06-29 14:04:20', '2016-06-29 14:04:20', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1355, 2, '2016-06-30 14:12:03', '2016-06-30 14:12:03', 'All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock. One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>  7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'closed', 'closed', '', '215-revision-v1', '', '', '2016-06-30 14:12:03', '2016-06-30 14:12:03', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1356, 2, '2016-07-01 14:55:40', '2016-07-01 14:55:40', 'All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock. One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>  7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'closed', 'closed', '', '215-revision-v1', '', '', '2016-07-01 14:55:40', '2016-07-01 14:55:40', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1358, 2, '2016-07-05 14:18:17', '2016-07-05 14:18:17', 'All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock. One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>  7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'closed', 'closed', '', '215-revision-v1', '', '', '2016-07-05 14:18:17', '2016-07-05 14:18:17', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1359, 2, '2016-07-06 14:00:41', '2016-07-06 14:00:41', 'All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock. One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>  7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'closed', 'closed', '', '215-revision-v1', '', '', '2016-07-06 14:00:41', '2016-07-06 14:00:41', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1360, 2, '2016-07-08 14:03:48', '2016-07-08 14:03:48', 'All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock. One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>  7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'closed', 'closed', '', '215-revision-v1', '', '', '2016-07-08 14:03:48', '2016-07-08 14:03:48', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1362, 2, '2016-07-11 14:42:52', '2016-07-11 14:42:52', 'All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock. One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>  7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'closed', 'closed', '', '215-revision-v1', '', '', '2016-07-11 14:42:52', '2016-07-11 14:42:52', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1363, 2, '2016-07-12 14:13:26', '2016-07-12 14:13:26', 'All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock. One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>  7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'closed', 'closed', '', '215-revision-v1', '', '', '2016-07-12 14:13:26', '2016-07-12 14:13:26', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0);
INSERT INTO `wp_posts` (`ID`, `post_author`, `post_date`, `post_date_gmt`, `post_content`, `post_title`, `post_excerpt`, `post_status`, `comment_status`, `ping_status`, `post_password`, `post_name`, `to_ping`, `pinged`, `post_modified`, `post_modified_gmt`, `post_content_filtered`, `post_parent`, `guid`, `menu_order`, `post_type`, `post_mime_type`, `comment_count`) VALUES
(1365, 2, '2016-07-13 15:20:42', '2016-07-13 15:20:42', 'All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock. One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>  7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'closed', 'closed', '', '215-revision-v1', '', '', '2016-07-13 15:20:42', '2016-07-13 15:20:42', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1366, 2, '2016-07-14 14:58:31', '2016-07-14 14:58:31', 'All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock. One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>  7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'closed', 'closed', '', '215-revision-v1', '', '', '2016-07-14 14:58:31', '2016-07-14 14:58:31', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1367, 2, '2016-07-15 14:15:09', '2016-07-15 14:15:09', 'All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock. One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>  7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'closed', 'closed', '', '215-revision-v1', '', '', '2016-07-15 14:15:09', '2016-07-15 14:15:09', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1368, 2, '2016-07-18 14:02:20', '2016-07-18 14:02:20', 'All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock. One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>  7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'closed', 'closed', '', '215-revision-v1', '', '', '2016-07-18 14:02:20', '2016-07-18 14:02:20', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1369, 2, '2016-07-18 14:03:37', '2016-07-18 14:03:37', 'All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock. One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>  7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'closed', 'closed', '', '215-revision-v1', '', '', '2016-07-18 14:03:37', '2016-07-18 14:03:37', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1370, 2, '2016-07-19 14:06:38', '2016-07-19 14:06:38', 'All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock. One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>  7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'closed', 'closed', '', '215-revision-v1', '', '', '2016-07-19 14:06:38', '2016-07-19 14:06:38', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1371, 2, '2016-07-20 14:56:41', '2016-07-20 14:56:41', 'All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock. One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>  7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'closed', 'closed', '', '215-revision-v1', '', '', '2016-07-20 14:56:41', '2016-07-20 14:56:41', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1373, 2, '2016-07-21 14:06:54', '2016-07-21 14:06:54', 'All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock. One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>  7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'closed', 'closed', '', '215-revision-v1', '', '', '2016-07-21 14:06:54', '2016-07-21 14:06:54', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1374, 2, '2016-07-22 13:56:12', '2016-07-22 13:56:12', 'All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock. One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>  7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'closed', 'closed', '', '215-revision-v1', '', '', '2016-07-22 13:56:12', '2016-07-22 13:56:12', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1375, 2, '2016-07-25 13:53:04', '2016-07-25 13:53:04', 'All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock. One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>  7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'closed', 'closed', '', '215-revision-v1', '', '', '2016-07-25 13:53:04', '2016-07-25 13:53:04', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1376, 2, '2016-07-26 14:12:23', '2016-07-26 14:12:23', 'All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock. One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>  7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'closed', 'closed', '', '215-revision-v1', '', '', '2016-07-26 14:12:23', '2016-07-26 14:12:23', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1377, 2, '2016-07-27 16:40:19', '2016-07-27 16:40:19', 'All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock. One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>  7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'closed', 'closed', '', '215-revision-v1', '', '', '2016-07-27 16:40:19', '2016-07-27 16:40:19', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1378, 2, '2016-07-28 18:59:07', '2016-07-28 18:59:07', 'All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock. One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>  7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'closed', 'closed', '', '215-revision-v1', '', '', '2016-07-28 18:59:07', '2016-07-28 18:59:07', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1380, 2, '2016-07-29 14:15:10', '2016-07-29 14:15:10', 'All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock. One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>  7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'closed', 'closed', '', '215-revision-v1', '', '', '2016-07-29 14:15:10', '2016-07-29 14:15:10', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1381, 2, '2016-08-01 13:52:46', '2016-08-01 13:52:46', 'All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock. One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>  7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'closed', 'closed', '', '215-revision-v1', '', '', '2016-08-01 13:52:46', '2016-08-01 13:52:46', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1382, 2, '2016-08-02 14:18:10', '2016-08-02 14:18:10', 'All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock. One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>  7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'closed', 'closed', '', '215-revision-v1', '', '', '2016-08-02 14:18:10', '2016-08-02 14:18:10', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1383, 2, '2016-08-03 13:55:20', '2016-08-03 13:55:20', 'All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock. One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>  7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'closed', 'closed', '', '215-revision-v1', '', '', '2016-08-03 13:55:20', '2016-08-03 13:55:20', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1384, 2, '2016-08-04 13:56:08', '2016-08-04 13:56:08', 'All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock. One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>  7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'closed', 'closed', '', '215-revision-v1', '', '', '2016-08-04 13:56:08', '2016-08-04 13:56:08', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1385, 2, '2016-08-05 14:50:46', '2016-08-05 14:50:46', 'All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock. One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>  7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'closed', 'closed', '', '215-revision-v1', '', '', '2016-08-05 14:50:46', '2016-08-05 14:50:46', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1387, 2, '2016-08-08 14:01:51', '2016-08-08 14:01:51', 'All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock. One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>  7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'closed', 'closed', '', '215-revision-v1', '', '', '2016-08-08 14:01:51', '2016-08-08 14:01:51', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1388, 2, '2016-08-09 14:05:58', '2016-08-09 14:05:58', 'All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock. One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>  7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'closed', 'closed', '', '215-revision-v1', '', '', '2016-08-09 14:05:58', '2016-08-09 14:05:58', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1389, 2, '2016-08-10 14:08:25', '2016-08-10 14:08:25', 'All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock. One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>  7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'closed', 'closed', '', '215-revision-v1', '', '', '2016-08-10 14:08:25', '2016-08-10 14:08:25', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1390, 2, '2016-08-10 15:14:12', '2016-08-10 15:14:12', 'Home is a place of comfort, refuge and rest. These feelings are amplified when you own your home, that is why homeownership is called \"The American Dream\".  Many people do not believe that they are eligible to purchase a home. REI Down Payment Assistance has down payment and/or closing cost assistance programs, which could be the key to you becoming a homeowner.\r\n\r\nREI Down Payment Assistance has helped more than 4,700 Oklahoma families achieve homeownership through partnerships with mortgage lenders. These programs give mortgage lenders more tools to help eligible borrowers purchase the home of their dreams.\r\n\r\nHome...Where Life Begins! Let us help, whether you are a potential homebuyer or lender, click the appropriate links above to learn more.', 'Home... Where Life Begins!', '', 'inherit', 'closed', 'closed', '', '22-revision-v1', '', '', '2016-08-10 15:14:12', '2016-08-10 15:14:12', '', 22, 'http://reidownpayment.org/22-revision-v1/', 0, 'revision', '', 0),
(1391, 2, '2016-08-11 14:25:26', '2016-08-11 14:25:26', 'All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock. One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>  7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'closed', 'closed', '', '215-revision-v1', '', '', '2016-08-11 14:25:26', '2016-08-11 14:25:26', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1392, 2, '2016-08-12 13:52:55', '2016-08-12 13:52:55', 'All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock. One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>  7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'closed', 'closed', '', '215-revision-v1', '', '', '2016-08-12 13:52:55', '2016-08-12 13:52:55', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1393, 2, '2016-08-15 14:07:20', '2016-08-15 14:07:20', 'All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock. One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>  7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'closed', 'closed', '', '215-revision-v1', '', '', '2016-08-15 14:07:20', '2016-08-15 14:07:20', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1395, 2, '2016-08-16 13:57:45', '2016-08-16 13:57:45', 'All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock. One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>  7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'closed', 'closed', '', '215-revision-v1', '', '', '2016-08-16 13:57:45', '2016-08-16 13:57:45', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1396, 2, '2016-08-17 14:16:31', '2016-08-17 14:16:31', 'All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock. One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>  7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'closed', 'closed', '', '215-revision-v1', '', '', '2016-08-17 14:16:31', '2016-08-17 14:16:31', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1397, 2, '2016-08-18 14:26:03', '2016-08-18 14:26:03', 'All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock. One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>  7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'closed', 'closed', '', '215-revision-v1', '', '', '2016-08-18 14:26:03', '2016-08-18 14:26:03', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1398, 2, '2016-08-19 14:25:40', '2016-08-19 14:25:40', 'All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock. One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>  7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'closed', 'closed', '', '215-revision-v1', '', '', '2016-08-19 14:25:40', '2016-08-19 14:25:40', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1399, 2, '2016-08-19 18:57:30', '2016-08-19 18:57:30', '', 'REI Gift100 Fannie Mae Conventional Program Summary 16.08.19', '', 'inherit', 'open', 'closed', '', 'rei-gift100-fannie-mae-conventional-program-summary-16-08-19', '', '', '2016-08-19 18:57:30', '2016-08-19 18:57:30', '', 0, 'http://reidownpayment.org/wp/wp-content/uploads/2016/08/REI-Gift100-Fannie-Mae-Conventional-Program-Summary-16.08.19.pdf', 0, 'attachment', 'application/pdf', 0),
(1400, 2, '2016-08-19 18:58:31', '2016-08-19 18:58:31', '<strong>REI GIFT100 - Conventional</strong>\r\n\r\nREI Down Payment Assistance invests in Oklahoma’s future by providing housing opportunities to low income individuals and families. The statewide REI Gift100 Program provides a competitive first mortgage and down payment and closing cost assistance to eligible mortgagors. The down payment is in the form of a gift. There are no second liens or deed restrictions filed against the property. The program includes the following loan types:\r\n<ul>\r\n	<li>Fannie Mae HFA Preferred - up to 97% LTV</li>\r\n</ul>\r\nRate/term refinance on any of the above loan products.\r\n\r\n<strong>Lenders:</strong> Lenders must be approved by U.S. Bank to participate in the REI Gift100 program. Interested lenders should contact Dena Sherrill, Housing Program Manager, REI Down Payment Assistance at 1-800-658-2823 or dsherrill@reiok.org or Jeremy Layman, Housing Program Specialist at <a href=\"mailto:jlayman@reiok.org\">jlayman@reiok.org</a>.\r\n\r\n<strong>***Third Party Origination is not allowed***</strong>\r\n\r\n<strong>Program Highlights</strong>\r\n\r\n<strong>Structure:</strong> The funds may be used to fund up to 100% of the Borrower\'s cash requirement to close, including the down payment, closing costs, pre-paid items and other related Mortgage Loan fees and expenses. No portion of the gift funds can be paid to the Borrower unless the Borrower is being reimbursed for an overage of his/her earnest money deposit and pre-paid expenses to the extent the minimum Borrower contribution has been satisfied. Under the rate/term refinance option, any funds above the amount needed to pay the Borrower\'s loan related costs must be used to reduce the principal amount of the First Mortgage loan.\r\n<ul>\r\n	<li>Fannie Mae HFA Preferred\r\n<ul>\r\n	<li>Gift of 3.0, 4.0, or 5.0% of the total loan amount</li>\r\n</ul>\r\n</li>\r\n</ul>\r\n<strong>First Mortgage Origination Fee: </strong>Usual and customary at lender’s discretion.\r\n\r\n<strong>Interest rates:</strong> REI Down Payment Assistance will post First Mortgage interest rates by 9:00 a.m. C.S.T. daily on the Lender Portal at www.reigift100.org. <strong>All loans must be delivered and purchased by U.S. Bank prior within 60 days of rate lock.</strong> One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>7 days is 0.09375%</li>\r\n	<li>15 days is 0.1875%</li>\r\n	<li>22 days is 0.28125%</li>\r\n	<li>30 days is 0.375%</li>\r\n</ul>\r\n<strong>***Rates can be subject to intra-day pricing changes***</strong>\r\n\r\n<strong>Income Limits:</strong> The Borrower\'s qualifying income must not exceed Program Income Limits. Click on Area Median Income below to view income limits. They can also be found in the Lender Portal at www.reigift100.org.\r\n\r\n<strong>***Lenders will be responsible for ensuring that the income meets program guidelines.***</strong>\r\n\r\n<strong>Credit Score:</strong>\r\n<ul>\r\n	<li>Loan to Value (LTV) of 95.01% - 97% - minimum credit score of 680</li>\r\n	<li>Loan to Value (LTV) =&lt;95% - minimum credit score of 640</li>\r\n</ul>\r\n<strong>Maximum DTI:</strong> 45% no exceptions. See Program Summary below for more specific underwriting and/or manual underwriting details.\r\n\r\n<strong>Mortgage Insurance: </strong>Approved MI Companies are Arch, Essent, Genworth, MGIC, Radian, and United Guaranty\r\n\r\n<strong>MI Coverage:</strong>\r\n18% for LTVs &gt;95% and &lt; = 97%\r\n16% for LTVs &gt;90% and &lt;= 95%\r\n12% for LTVs &gt;85% and &lt;= 90%\r\n6% for LTVs &gt;80% and &lt;= 85%\r\n\r\n<strong>Seller Contributions:</strong> 3% Maximum for CLTV Greater than 90% and 6% maximum of CLTV less than or equal to 90%. May be used for closing costs and/or single or split MI premiums\r\n\r\n<strong>First Time Home Buyer:</strong> No first-time home buyer requirement, however the borrower cannot as of the note date, have any individual or joint ownership interest in any other residential properties.\r\n\r\n<strong>Home Buyer Education:</strong>\r\n<ul>\r\n	<li>Loan to Value (LTV) of 95.01% - 97% - Homebuyer Education is required for at least one borrower.</li>\r\n	<li>Loan to Value (LTV) =&lt; 95% - Homebuyer Education only required if all borrowers are first-time homebuyers. In that event, at least one homeowner must complete pre-purchase homebuyer education and counseling.</li>\r\n</ul>\r\n<strong>REI can provide Homebuyer Education through EHome America, please click on the following link to take the online course. The cost is $99.00.</strong>\r\n\r\n<a href=\"http://www.ehomeamerica.org/reiok\">www.ehomeamerica.org/reiok</a>\r\n<ul>\r\n<ul>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2016/08/REI-Gift100-Fannie-Mae-Conventional-Program-Summary-16.08.19.pdf\" target=\"_blank\">REI Gift100 Conventional Program Summary</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2016/04/2016-Area-Median-Incomes-Conventional.pdf\" target=\"_blank\">2016 Area Median Income – Gift100 Program</a></li>\r\n	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2016/05/Conventional-Loan-Delivery-Checklist-2.12.16.pdf\" target=\"_blank\">Conventional Stacking Order</a></li>\r\n</ul>\r\n</ul>\r\n&nbsp;', 'REI Gift100 Conventional Loan Program', '', 'inherit', 'closed', 'closed', '', '217-revision-v1', '', '', '2016-08-19 18:58:31', '2016-08-19 18:58:31', '', 217, 'http://reidownpayment.org/217-revision-v1/', 0, 'revision', '', 0),
(1401, 2, '2016-08-22 13:59:19', '2016-08-22 13:59:19', 'All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock. One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>  7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'closed', 'closed', '', '215-revision-v1', '', '', '2016-08-22 13:59:19', '2016-08-22 13:59:19', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1402, 2, '2016-08-23 14:06:29', '2016-08-23 14:06:29', 'All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock. One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>  7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'closed', 'closed', '', '215-revision-v1', '', '', '2016-08-23 14:06:29', '2016-08-23 14:06:29', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1404, 2, '2016-08-24 14:06:55', '2016-08-24 14:06:55', 'All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock. One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>  7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'closed', 'closed', '', '215-revision-v1', '', '', '2016-08-24 14:06:55', '2016-08-24 14:06:55', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1405, 2, '2016-08-25 14:15:09', '2016-08-25 14:15:09', 'All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock. One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>  7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'closed', 'closed', '', '215-revision-v1', '', '', '2016-08-25 14:15:09', '2016-08-25 14:15:09', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1406, 2, '2016-08-26 15:02:15', '2016-08-26 15:02:15', 'All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock. One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>  7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'closed', 'closed', '', '215-revision-v1', '', '', '2016-08-26 15:02:15', '2016-08-26 15:02:15', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1407, 2, '2016-08-29 14:30:00', '2016-08-29 14:30:00', 'All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock. One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>  7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'closed', 'closed', '', '215-revision-v1', '', '', '2016-08-29 14:30:00', '2016-08-29 14:30:00', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1408, 2, '2016-08-30 14:03:45', '2016-08-30 14:03:45', 'All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock. One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>  7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'closed', 'closed', '', '215-revision-v1', '', '', '2016-08-30 14:03:45', '2016-08-30 14:03:45', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1409, 2, '2016-08-31 14:00:20', '2016-08-31 14:00:20', 'All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock. One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>  7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'closed', 'closed', '', '215-revision-v1', '', '', '2016-08-31 14:00:20', '2016-08-31 14:00:20', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1411, 2, '2016-09-01 13:42:47', '2016-09-01 13:42:47', 'All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock. One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>  7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'closed', 'closed', '', '215-revision-v1', '', '', '2016-09-01 13:42:47', '2016-09-01 13:42:47', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1412, 2, '2016-09-02 14:05:59', '2016-09-02 14:05:59', 'All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock. One time extension can be purchased at the following rates:\r\n<ul>\r\n	<li>  7 Days – 0.09375 Points</li>\r\n	<li>15 Days – 0.18750 Points</li>\r\n	<li>22 Days – 0.28125 Points</li>\r\n	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'closed', 'closed', '', '215-revision-v1', '', '', '2016-09-02 14:05:59', '2016-09-02 14:05:59', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1416, 1, '2016-09-02 20:58:54', '2016-09-02 20:58:54', '[table id=3 /]', 'Find a Lender', '', 'publish', 'closed', 'closed', '', 'find-a-lender', '', '', '2019-01-17 17:38:11', '2019-01-17 17:38:11', '', 0, 'http://reidownpayment.org/?page_id=1416', 1, 'page', '', 0),
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(1418, 2, '2016-09-06 13:58:22', '2016-09-06 13:58:22', 'All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock. One time extension can be purchased at the following rates:\r\n<ul>\r\n 	<li>  7 Days – 0.09375 Points</li>\r\n 	<li>15 Days – 0.18750 Points</li>\r\n 	<li>22 Days – 0.28125 Points</li>\r\n 	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'closed', 'closed', '', '215-revision-v1', '', '', '2016-09-06 13:58:22', '2016-09-06 13:58:22', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1419, 1, '2016-09-06 15:31:55', '2016-09-06 15:31:55', ' ', '', '', 'publish', 'closed', 'closed', '', '1419', '', '', '2020-05-11 21:57:12', '2020-05-11 21:57:12', '', 0, 'http://reidownpayment.org/?p=1419', 2, 'nav_menu_item', '', 0),
(1423, 2, '2016-09-07 13:55:36', '2016-09-07 13:55:36', 'All loans must be delivered and purchased by U.S. Bank within 60 days of rate lock. One time extension can be purchased at the following rates:\r\n<ul>\r\n 	<li>  7 Days – 0.09375 Points</li>\r\n 	<li>15 Days – 0.18750 Points</li>\r\n 	<li>22 Days – 0.28125 Points</li>\r\n 	<li>30 Days – 0.37500 Points</li>\r\n</ul>\r\nClick to access <u><a href=\"https://www.reigift100.org/Bin/Display.exe/ShowSection\" target=\"_blank\">Lender Portal.</a></u>', 'REI Gift100 Interest Rates', '', 'inherit', 'closed', 'closed', '', '215-revision-v1', '', '', '2016-09-07 13:55:36', '2016-09-07 13:55:36', '', 215, 'http://reidownpayment.org/215-revision-v1/', 0, 'revision', '', 0),
(1424, 2, '2016-09-07 20:29:07', '2016-09-07 20:29:07', '<strong>REI GIFT100 - Conventional</strong>\r\n\r\nREI Down Payment Assistance invests in Oklahoma’s future by providing housing opportunities to low income individuals and families. The statewide REI Gift100 Program provides a competitive first mortgage and down payment and closing cost assistance to eligible mortgagors. The down payment is in the form of a gift. There are no second liens or deed restrictions filed against the property. The program includes the following loan types:\r\n<ul>\r\n 	<li>Fannie Mae HFA Preferred - up to 97% LTV</li>\r\n</ul>\r\nRate/term refinance on any of the above loan products.\r\n\r\n<strong>Lenders:</strong> Lenders must be approved by U.S. Bank to participate in the REI Gift100 program. Interested lenders should contact Dena Sherrill, Housing Program Manager, REI Down Payment Assistance at 1-800-658-2823 or dsherrill@reiok.org or Jeremy Layman, Housing Program Specialist at <a href=\"mailto:jlayman@reiok.org\">jlayman@reiok.org</a>.\r\n\r\n<strong>***Third Party Origination is not allowed***</strong>\r\n\r\n<strong>Program Highlights</strong>\r\n\r\n<strong>Structure:</strong> The funds may be used to fund up to 100% of the Borrower\'s cash requirement to close, including the down payment, closing costs, pre-paid items and other related Mortgage Loan fees and expenses. No portion of the gift funds can be paid to the Borrower unless the Borrower is being reimbursed for an overage of his/her earnest money deposit and pre-paid expenses to the extent the minimum Borrower contribution has been satisfied. Under the rate/term refinance option, any funds above the amount needed to pay the Borrower\'s loan related costs must be used to reduce the principal amount of the First Mortgage loan.\r\n<ul>\r\n 	<li>Fannie Mae HFA Preferred\r\n<ul>\r\n 	<li>Gift of 3.0, 4.0, or 5.0% of the total loan amount</li>\r\n</ul>\r\n</li>\r\n</ul>\r\n<strong>First Mortgage Origination Fee: </strong>Usual and customary at lender’s discretion.\r\n\r\n<strong>Interest rates:</strong> REI Down Payment Assistance will post First Mortgage interest rates by 9:00 a.m. C.S.T. daily on the Lender Portal at www.reigift100.org. <strong>All loans must be delivered and purchased by U.S. Bank prior within 60 days of rate lock.</strong> One time extension can be purchased at the following rates:\r\n<ul>\r\n 	<li>7 days is 0.09375%</li>\r\n 	<li>15 days is 0.1875%</li>\r\n 	<li>22 days is 0.28125%</li>\r\n 	<li>30 days is 0.375%</li>\r\n</ul>\r\n<strong>***Rates can be subject to intra-day pricing changes***</strong>\r\n\r\n<strong>Income Limits:</strong> The Borrower\'s qualifying income must not exceed Program Income Limits. Click on Area Median Income below to view income limits. They can also be found in the Lender Portal at www.reigift100.org.\r\n\r\n<strong>***Lenders will be responsible for ensuring that the income meets program guidelines.***</strong>\r\n\r\n<strong>Credit Score:</strong>\r\n<ul>\r\n 	<li>Minimum credit score of 640</li>\r\n</ul>\r\n<strong>Maximum DTI:</strong> 45% no exceptions. See Program Summary below for more specific underwriting and/or manual underwriting details.\r\n\r\n<strong>Mortgage Insurance: </strong>Approved MI Companies are Arch, Essent, Genworth, MGIC, Radian, and United Guaranty\r\n\r\n<strong>MI Coverage:</strong>\r\n18% for LTVs &gt;95% and &lt; = 97%\r\n16% for LTVs &gt;90% and &lt;= 95%\r\n12% for LTVs &gt;85% and &lt;= 90%\r\n6% for LTVs &gt;80% and &lt;= 85%\r\n\r\n<strong>Seller Contributions:</strong> 3% Maximum for CLTV Greater than 90% and 6% maximum of CLTV less than or equal to 90%. May be used for closing costs and/or single or split MI premiums\r\n\r\n<strong>First Time Home Buyer:</strong> No first-time home buyer requirement, however the borrower cannot as of the note date, have any individual or joint ownership interest in any other residential properties.\r\n\r\n<strong>Home Buyer Education:</strong>\r\n\r\nRequired if all borrowers are first-time home buyers, at least one borrower must complete pre-purchase home buyer education and counseling.  The online course listed below is an acceptable course as is an on-line MI company, and/or an OHEA Certified or HUD certified counselors.\r\n\r\n<strong>REI has been approved to provide Homebuyer Education through EHome America, please click on the following link to take the online course.  The cost is $99.00.</strong>\r\n\r\n<a href=\"http://www.ehomeamerica.org/reiok\">www.ehomeamerica.org/reiok</a>\r\n<ul>\r\n<ul>\r\n 	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2016/08/REI-Gift100-Fannie-Mae-Conventional-Program-Summary-16.08.19.pdf\" target=\"_blank\">REI Gift100 Conventional Program Summary</a></li>\r\n 	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2016/04/2016-Area-Median-Incomes-Conventional.pdf\" target=\"_blank\">2016 Area Median Income – Gift100 Program</a></li>\r\n 	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2016/05/Conventional-Loan-Delivery-Checklist-2.12.16.pdf\" target=\"_blank\">Conventional Stacking Order</a></li>\r\n</ul>\r\n</ul>\r\n&nbsp;', 'REI Gift100 Conventional Loan Program', '', 'inherit', 'closed', 'closed', '', '217-revision-v1', '', '', '2016-09-07 20:29:07', '2016-09-07 20:29:07', '', 217, 'http://reidownpayment.org/217-revision-v1/', 0, 'revision', '', 0),
(1425, 2, '2016-09-07 20:29:22', '2016-09-07 20:29:22', '<strong>REI GIFT100 - Conventional</strong>\r\n\r\nREI Down Payment Assistance invests in Oklahoma’s future by providing housing opportunities to low income individuals and families. The statewide REI Gift100 Program provides a competitive first mortgage and down payment and closing cost assistance to eligible mortgagors. The down payment is in the form of a gift. There are no second liens or deed restrictions filed against the property. The program includes the following loan types:\r\n<ul>\r\n 	<li>Fannie Mae HFA Preferred - up to 97% LTV</li>\r\n</ul>\r\nRate/term refinance on any of the above loan products.\r\n\r\n<strong>Lenders:</strong> Lenders must be approved by U.S. Bank to participate in the REI Gift100 program. Interested lenders should contact Dena Sherrill, Housing Program Manager, REI Down Payment Assistance at 1-800-658-2823 or dsherrill@reiok.org or Jeremy Layman, Housing Program Specialist at <a href=\"mailto:jlayman@reiok.org\">jlayman@reiok.org</a>.\r\n\r\n<strong>***Third Party Origination is not allowed***</strong>\r\n\r\n<strong>Program Highlights</strong>\r\n\r\n<strong>Structure:</strong> The funds may be used to fund up to 100% of the Borrower\'s cash requirement to close, including the down payment, closing costs, pre-paid items and other related Mortgage Loan fees and expenses. No portion of the gift funds can be paid to the Borrower unless the Borrower is being reimbursed for an overage of his/her earnest money deposit and pre-paid expenses to the extent the minimum Borrower contribution has been satisfied. Under the rate/term refinance option, any funds above the amount needed to pay the Borrower\'s loan related costs must be used to reduce the principal amount of the First Mortgage loan.\r\n<ul>\r\n 	<li>Fannie Mae HFA Preferred\r\n<ul>\r\n 	<li>Gift of 3.0, 4.0, or 5.0% of the total loan amount</li>\r\n</ul>\r\n</li>\r\n</ul>\r\n<strong>First Mortgage Origination Fee: </strong>Usual and customary at lender’s discretion.\r\n\r\n<strong>Interest rates:</strong> REI Down Payment Assistance will post First Mortgage interest rates by 9:00 a.m. C.S.T. daily on the Lender Portal at www.reigift100.org. <strong>All loans must be delivered and purchased by U.S. Bank prior within 60 days of rate lock.</strong> One time extension can be purchased at the following rates:\r\n<ul>\r\n 	<li>7 days is 0.09375%</li>\r\n 	<li>15 days is 0.1875%</li>\r\n 	<li>22 days is 0.28125%</li>\r\n 	<li>30 days is 0.375%</li>\r\n</ul>\r\n<strong>***Rates can be subject to intra-day pricing changes***</strong>\r\n\r\n<strong>Income Limits:</strong> The Borrower\'s qualifying income must not exceed Program Income Limits. Click on Area Median Income below to view income limits. They can also be found in the Lender Portal at www.reigift100.org.\r\n\r\n<strong>***Lenders will be responsible for ensuring that the income meets program guidelines.***</strong>\r\n\r\n<strong>Credit Score: </strong>Minimum credit score of 640\r\n\r\n<strong>Maximum DTI:</strong> 45% no exceptions. See Program Summary below for more specific underwriting and/or manual underwriting details.\r\n\r\n<strong>Mortgage Insurance: </strong>Approved MI Companies are Arch, Essent, Genworth, MGIC, Radian, and United Guaranty\r\n\r\n<strong>MI Coverage:</strong>\r\n18% for LTVs &gt;95% and &lt; = 97%\r\n16% for LTVs &gt;90% and &lt;= 95%\r\n12% for LTVs &gt;85% and &lt;= 90%\r\n6% for LTVs &gt;80% and &lt;= 85%\r\n\r\n<strong>Seller Contributions:</strong> 3% Maximum for CLTV Greater than 90% and 6% maximum of CLTV less than or equal to 90%. May be used for closing costs and/or single or split MI premiums\r\n\r\n<strong>First Time Home Buyer:</strong> No first-time home buyer requirement, however the borrower cannot as of the note date, have any individual or joint ownership interest in any other residential properties.\r\n\r\n<strong>Home Buyer Education:</strong>\r\n\r\nRequired if all borrowers are first-time home buyers, at least one borrower must complete pre-purchase home buyer education and counseling.  The online course listed below is an acceptable course as is an on-line MI company, and/or an OHEA Certified or HUD certified counselors.\r\n\r\n<strong>REI has been approved to provide Homebuyer Education through EHome America, please click on the following link to take the online course.  The cost is $99.00.</strong>\r\n\r\n<a href=\"http://www.ehomeamerica.org/reiok\">www.ehomeamerica.org/reiok</a>\r\n<ul>\r\n<ul>\r\n 	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2016/08/REI-Gift100-Fannie-Mae-Conventional-Program-Summary-16.08.19.pdf\" target=\"_blank\">REI Gift100 Conventional Program Summary</a></li>\r\n 	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2016/04/2016-Area-Median-Incomes-Conventional.pdf\" target=\"_blank\">2016 Area Median Income – Gift100 Program</a></li>\r\n 	<li><a href=\"http://reidownpayment.org/wp/wp-content/uploads/2016/05/Conventional-Loan-Delivery-Checklist-2.12.16.pdf\" target=\"_blank\">Conventional Stacking Order</a></li>\r\n</ul>\r\n</ul>\r\n&nbsp;', 'REI Gift100 Conventional Loan Program', '', 'inherit', 'closed', 'closed', '', '217-revision-v1', '', '', '2016-09-07 20:29:22', '2016-09-07 20:29:22', '', 217, 'http://reidownpayment.org/217-revision-v1/', 0, 'revision', '', 0);
