REI Home100 Conventional Loan Program - Freddie Mac/Fannie Mae - Amortizing 2nd Mortgage

REI Home100 Conventional Loan Program - Freddie Mac/Fannie Mae - Amortizing 2nd Mortgage是面向Statewide，Oklahoma购房者的需偿还的第二贷款。 REI Oklahoma's Home100 Conventional - Amortizing 2nd Mortgage variant pairs a Freddie Mac HFA Advantage or Fannie Mae HFA Preferred first mortgage with a 5% repayable, fully-amortizing 10-year second mortgage at a fixed rate. The amortizing structure allows REI to offer a higher DPA percentage (5% vs. 3.5% for the gift product) and is suited to borrowers who want maximum DPA leverage and can carry a small additional monthly payment. Up to 5% of the first-mortgage amount as a fully-amortizing repayable 10-year second mortgage at a fixed rate, on a Freddie Mac HFA Advantage or Fannie Mae HFA Preferred conventional first mortgage. Higher DPA percentage available because the assistance is repayable. 资金来自Nonprofit和TBA。

REI Home100 Conventional Loan Program - Freddie Mac/Fannie Mae - Amortizing 2nd Mortgage是需偿还的第二贷款，按管理该项目的机构设定的条款偿还。 触发还款的情形：Monthly amortizing principal-and-interest payments over 10-year term和balance due at sale, refinance, or transfer。 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 - Freddie Mac/Fannie Mae - Amortizing 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 for best HFA Advantage / HFA Preferred AUS pricing)。 须参加购房者教育课程，由HUD-approved homebuyer education provider; CreditSmart or HomeView accepted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 HFA Advantage / HFA Preferred guidelines。 640 FICO minimum, 680 FICO recommended for AUS-friendly pricing. Borrower qualifying income up to 140% AMI per HFA Advantage / HFA Preferred. DPA second lien is fully amortizing over 10 years; second-lien payment must be included in qualifying DTI (max 50%).

REI Home100 Conventional Loan Program - Freddie Mac/Fannie Mae - Amortizing 2nd Mortgage将家庭收入限制在$142,650。 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 - Freddie Mac/Fannie Mae - Amortizing 2nd Mortgage的房价上限如下：Subject to 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 - Freddie Mac/Fannie Mae - Amortizing 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 - Freddie Mac/Fannie Mae - Amortizing 2nd Mortgage服务于在Statewide，Oklahoma购房的购房者。

REI Home100 Conventional Loan Program - Freddie Mac/Fannie Mae - Amortizing 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。