REI Home100 Government Loan Program - FHA or HUD-184 Hybrid (Gift + Amortizing Second Loan)

REI Home100 Government Loan Program - FHA or HUD-184 Hybrid (Gift + Amortizing Second Loan)是面向Statewide，Oklahoma购房者的需偿还的第二贷款。 REI Oklahoma's Home100 Government Hybrid pairs an FHA or HUD-184 (Section 184 Indian Home Loan Guarantee) first mortgage with a hybrid DPA of up to 5%, structured as a non-repayable gift portion combined with a fully-amortizing 10-year repayable second loan. The HUD-184 path is a recognized Native American homeownership channel, enabling enrolled tribal members to combine Section 184 financing with REI's DPA. Provided statewide through REI's TBA. Hybrid DPA on FHA or HUD-184 (Native American Section 184) first mortgage: a non-repayable gift portion combined with a fully-amortizing 10-year repayable second loan, totaling up to 5% of the first-mortgage amount. HUD-184 path enables Native American buyers to use Section 184 trust-land or off-reservation financing with REI DPA support. 资金来自Nonprofit、Federal和TBA。

REI Home100 Government Loan Program - FHA or HUD-184 Hybrid (Gift + Amortizing Second Loan)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：Gift portion: none. Amortizing-second portion: monthly P&I 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 Government Loan Program - FHA or HUD-184 Hybrid (Gift + Amortizing Second Loan)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 AUS-friendly pricing)。 须参加购房者教育课程，由HUD-approved homebuyer education provider; HUD-184 borrowers may use tribally-approved Section 184 homebuyer education提供。 居住要求：Property must be located in Oklahoma and used as borrower's primary residence; HUD-184 path may include trust/restricted-fee land。 公民身份或移民身份：U.S. citizen or qualified permanent/non-permanent resident alien per FHA guidelines; HUD-184 requires enrolled member of a federally-recognized tribe。 640 FICO minimum (680 FICO for AUS-friendly pricing). HUD-184 path requires enrolled member of a federally-recognized tribe or qualifying Indian household. FHA path uses standard FHA overlays. Hybrid DPA is a gift-plus-amortizing-second structure; combined assistance up to 5%.

REI Home100 Government Loan Program - FHA or HUD-184 Hybrid (Gift + Amortizing Second Loan)将家庭收入限制在$148,858。 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 Government Loan Program - FHA or HUD-184 Hybrid (Gift + Amortizing Second Loan)的房价上限如下：Subject to FHA loan limits or HUD-184 maximum mortgage amount by county; no separate program purchase-price cap. 符合条件的房屋类型包括Single-family detached、Townhome、Condominium (FHA-approved)、PUD和2-4 unit (FHA only)。 新建房屋符合条件。 预制房屋符合条件。

REI Home100 Government Loan Program - FHA or HUD-184 Hybrid (Gift + Amortizing Second Loan)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、遗属配偶和美洲印第安人和阿拉斯加原住民购房者。 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 Government Loan Program - FHA or HUD-184 Hybrid (Gift + Amortizing Second Loan)服务于在Statewide，Oklahoma购房的购房者。 该项目针对特定区域：HUD-184 Section 184 program areas (statewide in Oklahoma) — tribal trust land, restricted-fee land, and fee-simple land in approved areas。

REI Home100 Government Loan Program - FHA or HUD-184 Hybrid (Gift + Amortizing Second Loan)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。