REI Home100 Conventional Loan Program - Fannie Mae - Forgivable 2nd Mortgage

REI Home100 Conventional Loan Program - Fannie Mae - Forgivable 2nd Mortgage是面向Statewide，Oklahoma购房者的可免除贷款。 REI Oklahoma's Home100 Conventional - Fannie Mae - Forgivable 2nd Mortgage variant pairs a Fannie Mae HFA Preferred first mortgage with a 5% forgivable second mortgage. The DPA is structured as a 0% interest, non-amortizing second lien forgiven pro-rata over 7 years (1/7 forgiven each year of owner occupancy). Available for borrowers at or below 80% AMI to maximize Fannie Mae HFA Preferred VLI pricing. Up to 5% of the first-mortgage amount delivered as a 0% interest, 7-year forgivable second mortgage on a Fannie Mae HFA Preferred conventional first mortgage. Forgiven 1/7 each year of owner occupancy. balance due if home is sold, refinanced, or no longer owner-occupied. 资金来自Nonprofit和TBA。

REI Home100 Conventional Loan Program - Fannie Mae - Forgivable 2nd Mortgage在7年后免除，因此住满这段时间的购房者无需偿还。 触发还款的情形：Repayment of remaining balance due if borrower sells, refinances, transfers title, or ceases to occupy property as primary residence within the 7-year forgiveness term和balance forgiven 1/7 per year of continued occupancy. 该援助以2顺位留置权登记。 免除和还款条款由项目设定，并可能变化——申请前请在项目官方网页上确认。

REI Home100 Conventional Loan Program - Fannie Mae - Forgivable 2nd Mortgage面向将房屋作为主要住所自住的购房者。 关于信用，该项目说明：640 FICO minimum (680 FICO required for some AUS scenarios; 640 to <680 typically requires manual UW)。 须参加购房者教育课程，由HUD-approved homebuyer education provider; Fannie Mae HomeView accepted on HFA Preferred提供。 居住要求：Property must be located in Oklahoma and used as borrower's primary residence。 公民身份或移民身份：U.S. citizen or qualified permanent/non-permanent resident alien per Fannie Mae HFA Preferred guidelines。 Borrower qualifying income at or below 80% AMI for Fannie Mae HFA Preferred Very Low Income tier on the forgivable structure. 640 FICO minimum (some sub-680 FICO loans require manual underwriting). Owner-occupied primary residence only. No first-time-homebuyer rule.

REI Home100 Conventional Loan Program - Fannie Mae - Forgivable 2nd Mortgage将家庭收入限制在地区收入中位数的80%，该数值因县和家庭人数而异。 Borrower qualifying income at or below 80% AMI of the property county per Fannie Mae HFA Preferred Very Low Income (VLI) tier; tier-floor approximately $49,840 in lowest-AMI counties up to approximately $128,400 in higher-AMI counties depending on county and family size. 地区收入中位数由HUD公布并每年更新，因此在依据某个数字之前，请查看该县的最新表格。

REI Home100 Conventional Loan Program - Fannie Mae - Forgivable 2nd Mortgage的房价上限如下：Subject to Fannie Mae conforming loan limit and area appraised value; no separate program purchase-price cap. 符合条件的房屋类型包括Single-family detached、Townhome、Condominium (warrantable)、PUD和2-unit。 新建房屋符合条件。 预制房屋符合条件。

REI Home100 Conventional Loan Program - Fannie Mae - Forgivable 2nd Mortgage在其服务群体中提到了退伍军人、现役军人、预备役人员和国民警卫队成员和遗属配偶。 在此列出仅表示项目提到了该群体，并不表示仅凭群体身份即可使申请人符合条件——其余资格规则仍然适用。

REI Home100 Conventional Loan Program - Fannie Mae - Forgivable 2nd Mortgage服务于在Statewide，Oklahoma购房的购房者。

REI Home100 Conventional Loan Program - Fannie Mae - Forgivable 2nd Mortgage的申请通过管理该项目的机构办理，该机构在其网站上公布现行条款和申请步骤。 资金通过Lender reservation through REI Oklahoma's eHousingPlus origination portal预留。 Hey Prescott不是贷款机构，也不受理申请；本页介绍该项目，方便购房者向贷款机构或住房咨询师咨询。