section 184 loan oklahoma

A loan guarantee program available through approved lenders to Native Americans for homes located in Indian Country, both on and off native lands. Loans may be assumed by a creditworthy borrower that meets program eligibility. Debt-to-income ratio: No more than 41 percent, or no more than 43 percent with two or more compensating factors (minimal housing cost increase, strong credit history, additional income not used as qualifying income, substantial cash reserves, loan to value below 75 percent). Currently, in the state of Oklahoma, the maximum Section 184 loan amount is $420,680. For Oklahoma borrowers, the entire state of Oklahoma is eligible. To qualify, you must be an American Indian or Alaska Native who is a member of a federally recognized tribe over the age of 18 who will occupy the property as a principal residence. In addition, homes must be modest in size and design. Section 184 loan limits are the same in every Oklahoma county, at $420,680 for a 1-unit home. Obtaining a HUD Section 184 Native American home loan is fast and free! Youll receive a monthly payment quote based on your purchase price and loan details when you apply. If you're on this page, you have questions about the loan process. The maximum loan amount is 150% of the Federal Housing Administration (FHA) lending limits for the area. Unlike FHA and conventional loans, most lenders do not offer Section 184 Loans. The section 184 loan is available in SELECT counties in AL, CT, IA, IL, LA, MO, MS, NE, NY, RI, TX, and WY. Occupancy and Ownership of Other Properties: Subject property must be forprimary residences only. THIS IS HISTORIC NEWS FOR ALL OKLAHOMA FEDERAL TRIBAL MEMBERS! If you are an enrolled member of a federally-recognized Tribe, it's worth considering this loan program before others. My wife and I recently elected to refinance our home loan to take advantage of the low interest rates. As a Native American in Oklahoma, a unique mortgage, the Section 184 loan, is available just for you as a federally recognized tribal member. There is no minimum credit score required to qualify for the program. More options lead to peace of mind without all the restrictions of other loans. This site brought to you by Scissortail Financial, an Oklahoma Mortgage Lender A member of any federally-recognized Tribe that is HUD-approved can use the loan program in any eligible state or county. Rae Oliver Davis, Inspector General NMLS:2466406, not a government agency | Copyright 2018 | All rights reserved To receive your personalized maximum approved home price, contact a Section 184 Loan lender. 3 to 3.5% Down payment assistance programs are available on FHA Home Loans for all Oklahoma State Wide homes to first time borrowers, or those not owning a home in past 3 years, unless you buy in a targeted area, then it does not matter. Some loan programs limit you to 80 percent when you want to refinance equity out of your home. In Oklahoma, only a small portion of tribal members are aware of the Section 184 Native American Home Loan Benefit, even though they may be eligible. Yes. Skip to content. of Loan Amount Limits: Section 184 Native American Home Loans follow loan limits which cap the amount you can borrow on a home purchase. Purchase, refinance, and construction loans are available. June 5, 1975; Laws 1985, c. 181, 222, operative July 1, 1985; Laws 1986, c. 223, 25, operative July 1, 1986; Laws 2013, c. 254, 29, eff. These limits give you plenty of room to buy the home you want, even if its higher than the Oklahoma average of $190,000. Below is a list of lenders that are approved to offer Section 184 loans for Oklahoma properties as of January 2023, according to HUD. Our experience was absolutely first class. Tim was the managing editor at national websites TheMortgageReports.com, MyMortgageInsider.com, and Home.com. Section 184 Program - Maximum Loan Limits STATE COUNTY NAME 1-UNIT 2-UNIT 3-UNIT 4-UNIT AK ALEUTIAN ISLANDS $ 510,400 $ 653,312 791,120 979,968 AK ALEUTIANS EAST $ 510,400 $ 653,312 791,120 979,968 AK ALEUTIANS WEST $ 545,100 $ 697,800 843,500 $ 1,048,300 AK ANCHORAGE $ 510,400 $ 653,312 791,120 979,968 . The loan requires 2.25% upfront plus closing costs, which are typically an additional 2-5% of the homes price. Yes. This guarantee encourages and enables participating lenders like Scissortail Financial to offer Section 184 loans with exceptionally attractive terms to borrowers that want them. Mortgage Services for Lenders. Theprogram is designed to offer homeownershipand housing rehabilitation opportunities for eligible Native American individuals or families,tribes, and Tribally Designated Housing Entities(including Indian Housing Authorities) on theirnative lands. Income: Two years of employment history. The section 184 loan is NOT available in AR, DE, DC, GA, KY, MD, NH, NJ, OH, PA, TN, VT, VA, and WV. Tim has been featured in publications such as Time, U.S. News, MSN, and more. Eligible Oklahoma applicants are allowed to borrow up to $420,680. The only guide you need to learn how to buy a home with a Section 184 Loan. 1. This government guaranteed loan allows more flexible and lenient qualifying guidelines with attractive benefits for native borrowers. Authorized under the Housing and Community Development Act of 1992, the Section 184 Indian Loan Program is designed to offer home ownership, property rehabilitation, new construction, and refinance opportunities for eligible individual Native Americantribal members. The total amount so determined and fixed shall have the same force and effect as an award of the Workers' Compensation Court of Existing Claims or the Workers' Compensation Commission for compensation and all provisions of law relating to the collection of awards of said court or Commission shall apply to such judgments or awards. The maximum loanamount in Oklahomais $275,655. Refinance using the Section 184 s lenient guidelines and reduce your monthly mortgage insurance requirements with a Section 184 loan. You are eligible toapplyfor the loan if you are a member of any of the Federally recognized tribes in Oklahoma. We audited Bank2's origination of Section 184 Loan Guarantees for Indian Housing program loans. The interestrate is fixed for the entire term. Want to compare a Section 184 loan to other programs to be sure you are getting the perfect home loan? Section 184 Loans from Financial Concepts Mortgage Financial Concepts Mortgageis here to help you obtain a Native American home loan in Oklahoma. The program has grown to include many eligible areas, determined by participating tribes, across the country. No commercial buildings are allowed. Program Funding Fee: A one-time 1.5 percent up-front guarantee fee is paid at closing and can be financed into the loan. If you we don't cover your question below, feel free to contact us. If you currently have a Section 184 loan and wish to reduce the interest rate or term of your loan, the streamline refinance is an easy option. Theres no prepayment penalty no matter when you decide to sell your home, pay off your loan with a refinance, or completely pay off the existing loan balance with your personal funds. Subordinate financing may be used, but must be included in the calculation of the applicants qualifying ratios. (The state of Oklahoma is fully approved, but other states such as Texas, are only partially approved). No matter what state you buy in, Section 184 Loans come with huge benefits. Am I Eligible? Bank2 originated all 14 loans reviewed in accordance with Section 184 Loan Guarantees for Indian Housing program processing guidelines. construct a new home (site-built or manufactured homes on permanent foundations); Credit: Interest rates are based on market rates, not on an applicants credit score. This report contains no recommendations. Consolidate your credit card debt into one lower monthly payment or use your homes equity to improve your home using this option. We send your information to one of our Native American Mortgage experts, who will then learn more about what youre looking for and what kind of Native American Home Loan you might be able to secure. Personal consultation and mortgage planning to support our customers long term financial goals. . If you are considering a Section 184 Tribal Loan to buy a home or refinance your current loan, the fastest and easiest way to find out if you are eligible is to get qualified with a Native American Mortgage Specialist who can help you determine your eligibility, monthly payment savings, maximum loan amounts, and program advantages. Purchase, refinance, and construction loans are available. Primary residence: You must plan to live in the home youre financing. In the state of Oklahoma, the maximum Section 184 loan amount is $420,680. Any amount in excess of the 3-year average shall be placed to the credit of the General Revenue Fund. Amended by Laws 1975, c. 287, 4, emerg. Definition: "Consumer Loan". What can a Section 184 Loan be Used for? FHA mortgage limits vary by the number of units and by the county or Metropolitan Statistical Area in which the property resides. Rather than paying 5, 10, 20 percent or more of the home's purchase price upfront with your personal cash, with a Section 184 loan you can finance up to 97.75 percent of the purchase price. Like all mortgage types, Section 184 loans require specific documentation, an acceptable credit history and sufficient income to make your monthly payments. 184 Loans is dedicated to providing home loans to the Native American/American Indian community. Income Limits: This program has no income limits. Section 184 Home Loan Guarantee is reserved for members of Native American and Alaskan tribes, so to receive a Section 184 loan you must be an enrolled member of a Federally Recognized Tribe. July 1, 2013. The Section 184 Indian Home Loan Guarantee program is designed for Native American families. (d)either the principal does not exceed Fifty Thousand Dollars ($50,000.00), unless the loan is a private education loan as that term is defined in Section 8 of this act, or the debt is secured by an interest in land. The Section 184 mortgage program allows refinancing flexibility to help you achieve the financial security you seek without all the red tape. To qualify, you must be an American Indian or Alaska Native who is a member of a federally recognized tribe over the age of 18 who will occupy the property as a principal residence. Sec. Most loan types do not allow you to buy on Tribal trust land. Enrollment decisions are made solely by the tribal government. Keep in mind, though, that you need to qualify for the loan based on your income and current debts. The Section 184 Indian Home Loan Guarantee Program is a home mortgage specifically designed for American Indian and Alaska Native families, Alaska Villages, Tribes, or Tribally Designated Housing Entities. Except with respect to a loan primarily secured by an interest in land (Section 3-105 of this title), or except with respect to loans granted by institutions of postsecondary education except that such loans by institutions of postsecondary education shall be subject to disclosure requirements pursuant to Section 3-301 of this title and remedies for violation of disclosure provisions pursuant to Articles 5 and 6 of this title if otherwise they meet the definition of consumer loan, a "consumer loan" is a loan made by a person regularly engaged in the business of making loans in which: (a)the debtor is a person other than an organization; (b)the debt is incurred primarily for a personal, family or household purpose; (c)either the debt is payable in installments or a loan finance charge is made; and. Ok maybe he won't refrain. Disclaimer: These codes may not be the most recent version. Currently, in the state of Oklahoma, the maximum Section 184 loan amount is $420,680. Key Features Competitive Rates Refinancing Available Fast Processing Hands-On Guidance Request Info Details Our Home Mortgage Programs Its no wonder that the word is spreading among Oklahoman Native Peoples about this low-cost path to homeownership. Specifically it ensured that borrowers met income, debt, and credit requirements; property values were supported; and the borrower and properties were eligible for the program. This process does not cost you anything and there is no obligation. Investment properties and land only transactionsare not allowed. 14A OK Stat 14A-3-104 (2014) What's This? The Section 184 Loan Guarantees for Indian Housing program is a home mortgage product specifically designed for American Indian and Alaska Native families, Alaska villages, tribes, or tribally designated housing entities. Payments made, under the provisions of this section, shall be considered losses for the purpose of computing workers' compensation rates. The U.S. Department of Housing and Urban Development genuinely wants to make it easier for tribal member to buy a home or refinance. Eligible Oklahoma applicants are allowed to borrow up to $420,680. The monthly mortgage insurance is greatly discounted compared to other loan programs which reduces the monthly housing expense of the tribal member. refinance a home (rate and term, streamline, cash-out). Though Section 184 Loans are only available in certain states and counties., Oklahomans can rest easy knowing the whole state is approved. That makes this a Section 184 mortgage very affordable and reduces your payment compared to the mortgage insurance costs of a FHA or conventional loan. You already receive all suggested Justia Opinion Summary Newsletters. Section 184 loans for Native Americans perating in Oklahoma, Kansas, Oregon, Colorado, Florida, California, New Mexico, Washington, and Texas. Section 184 - Maximum loan limit by county By encouraging lenders to serve Native communities, Section 184 is increasing the marketability and value of the Native assets and strengthening the financial standing of Native communities. First-time Homebuyers: Allowed. You will simply be matched to a Section 184 Native American Loan expert that will guide you through the process and let you know how to maximize your Section 184 Native American Loan benefits. Your email address will not be published. Our experience was absolutely first class.- First mortgage: fixed current market interest rate, determined by the lender, terms up to 30 years . eff. Amended by Laws 1976, c. 190, 1, emerg. The program has grown to include eligible areas beyond tribal trust land. Are Trust lands the only available for Section 184 Loan Guarantee? Gifts from entities with an interest in the sale of the property are considered inducements to purchase and must be subtracted from the sales price. Oklahoma is by far the most popular state in the country to receive a Section 184 Loan. Loan-to-Value Limits: The LTV is 97.75 percent on loans over $50,000 and 98.75 percent on loans under $50,000. Click here to see what kind of loan you can obtain with your Section 184 Native American Loan benefit. You can look up the county loan limits for the place you want to buy on this list. Tribal members purchasing their first homes can qualify for more home thanks to a reduced down payment and less expensive mortgage insurance. One qualifying ratio: 41% total debt to gross income ratio which can be exceeded with compensating factors. (3) In making and entering awards for compensation, the Workers' Compensation Court of Existing Claims or the Workers' Compensation Commission shall determine and fix the amounts that shall be paid to the Oklahoma Tax Commission under the provisions of this section. Sitemap, eligible individual Native Americantribal members, The ability to be used to purchase a home or refinance an existing home loan, Low mortgage insurance, keeping your monthly payment lower, Generous underwriting allowances for abnormal circumstances, An extended 30 year term is available to keep your payments low, A no credit score underwriting option is available. In the alternative, the Oklahoma Tax Commission may enforce payments by proceeding in accordance with the provisions of Section 79 of Title 85A of the Oklahoma Statutes. In any state, youll need to meet certain requirements for this loan. The primary qualifications of the Section 184 Indian Home Loan Guarantee Program are being a currentlyenrolled member of a Federally Recognized Tribe or Alaska Native, who is over the age of 18, and will occupy the property as a principal residence. Great for home buyers The Section 184 loan stands apart from other mortgage programs for its combination of low rates, reduced down payment, aggressive underwriting, and mortgage insurance benefits. Is your tribe based outside of Oklahoma? We selected Bank2s Section 184 program because (1) an internal audit report and corrective action verification determined that the U.S. Department of Housing and Urban Development (HUD) lacked proper oversight of the program and lenders did not underwrite loans in accordance with HUD requirements 2) Bank2 is one of the largest Section 184 lenders, and (3) reviews of Section 184 lenders were aligned with the goals of our annual audit plan. Connect with Tim on LinkedIn and Twitter. Except with respect to a loan primarily secured by an interest in land (Section 3-105 of this title), or except with respect to loans granted by institutions of postsecondary education except that such . The Section 184 Loan Guarantee Program ("Section 184 LGP") is a specific loan program offered by the Department of Housing and Urban Development (HUD) to Native Americans, federally recognized Indian Tribes, Indian Housing Authorities, and Tribally Designated Housing Entities (collectively, "Native American entities"). Because the 14 loans reviewed met the processing guidelines, there was not an increased risk to HUDs Loan guarantee Fund. Tim Lucas will refrain from putting super cool stuff here to impress you. Adjustable-rate mortgages are not allowed, Underwriting is relaxed compared to conventional mortgages, making it easier to qualify for the Section 184 Native American loan. Such payments to the Oklahoma Tax Commission shall be made not later than the fifteenth day of the month following the close of the quarter-year in which compensation is paid or becomes payable. This program will also allow a family member to gift you this down payment for added flexibility. Skip Navigation. Get free summaries of new opinions delivered to your inbox! Visit the U.S. Department of Housing and Urban Development's Section 184 Indian Home Loan Guarantee Program website to see if you live in an eligible area. American Ban k of Oklahoma: 918-686-7300: AR, AZ, OK: American Financial Network Inc: 888-636-7573: CA, FL, ID, NV, OK, TX . The next step is to talk with one of our Native American Mortgage Specialists. June 4, 1976; Laws 1982, c. 335, 33, operative June 1, 1982; Laws 2012, c. 172, 4, eff. Mortgage Insurance: Loans with a loan to value of 78 percent or greater are subject to an annual 0.25 percent mortgage insurance premium, which will be split into 12 monthly installments and included with your mortgage payment. OBTAINING A HUD SECTION 184 NATIVE AMERICAN HOME LOAN IS FAST AND FREE! A good place to start is our Approved Tribes list. Consumer Credit Code 14A-3-104. The Section 184 Indian Home Loan Guarantee Program is a mortgage product specifically designed for American Indian and Alaska Native families. TheSection 184 Indian Home Loan Guarantee Programis a mortgage product specifically designed for American Indian and Alaska Native families. Eligibility includes: New construction, purchase of an existing house and refinancing. This field is for validation purposes and should be left unchanged. You are simply asking for more information. Home; Library; Bank2, Oklahoma City, OK, Originated Loans Reviewed in Accordance with Section 184 Loan Guarantees for Indian Housing Program Processing Guidelines 2. Most mortgage programs require you to make a sizable down payment to buy a home. This has made us the go to experts on HUD Section 184/184A loans. There's a reason why the Section 184 loan comes with such favorable terms. He purchased his first home at 26 with just $1,100 out-of-pocket and now owns real estate worth $2.4 million. Below is a list of Oklahoma Tribes and links to their websites, according to Oklahoma.gov. our health facilities or our tribal businesses in Oklahoma," Shaw stated in the release. Start your homebuying journey and join the over 20,000 Native Americans who have used this program to buy an affordable home. A reduced down payment helps tribal members buy a home with less cash compared to many other loans. Down payment assistance can be used to cover some or all of this cost. Youll also need a Title Status Report from your local BIA office. Most mortgages are not assumable so this is a relatively unique feature of Section 184 Loans. In Oklahoma, only a small portion of tribal members are aware of the Section 184 Native American Home Loan Benefit, even though they may be eligible. The good news, though, is that there are more than 60 Oklahoma Section 184 lenders. Please contact Choctaw Home Finance for states other than Oklahomas requirements. Homeownership Counseling: Not required, but highly recommended. Added by Laws 1970, c. 287, 18, operative July 1, 1970. Contact Information You're all set! The entire state is approved for Section 184 Loans, so you can buy on or off reservation land anywhere in the state. Sign up for our free summaries and get the latest delivered directly to you. To be eligible for the program, your Tribe must be approved by HUD. Native American homeownership has historically been an underserved market and in 1992, the Section 184 Indian Home Loan Guarantee Program was created by the Housing and Community Development Act to address the lack of mortgage lending in Indian Country. He spent 11 years in the mortgage industry helping mortgage clients IRL, from first-time buyers to experienced investors. I got one of these loans in Oklahoma and am now in the process of doing a streamline refinance on it to take advantage of lower interest rates and go . Where To Report Waste Fraud, Abuse, Or Retaliation, Department of Housing and Urban Development OIG, Department of Housing and Urban Development. (5) Except as otherwise provided in paragraph (7) of this section, the Oklahoma Tax Commission shall, monthly, as the same are collected, pay to the State Treasurer of this state, to the credit of the Special Occupational Health and Safety Fund, all monies collected under the provisions of this section. You can also take advantage of todays low rates before they go up further with a Section 184 streamline refinance. (7) In no event shall the total fiscal year amount paid to the credit of the Special Occupational Health and Safety Fund pursuant to this section exceed the 3-year average of the total fiscal year amounts apportioned fiscal years 2015, 2016 and 2017. Keep in mind that not every Tribe below is approved for Section 184. Homes must be of standard quality and must meet applicable construction and safety codes. The Section 184 Loan is a flexible financing option that is only available to Native Americans. With Section 184 financing you can get into a home with a low down payment, very lowmortgage insurance, and flexible underwriting. Higher limits are available for 2-, 3-, and 4-unit homes. Heres what to know about buying a home with a Section 184 Loan in Oklahoma. If you are considering a Section 184 Native American Home Loan, the fastest and easiest way to find out if you are eligible isto contact a Native American Mortgage Specialist who can helpyou determine your eligibility, qualification level, andprogram options. . . If you would like to use the homes equity to pay off other debts or for cash in hand (up to $25,000) the Section 184 program will allow you to borrow up to 85% of your homes appraisal value. A one-time, 1.5% loan guarantee fee isadded to your final loan amount. Tribal membership: Youll need valid ID from a federally-recognized Tribe. Today Lending is a residential mortgage lender that . Section 184 Loan Reviews 2023: Do Homebuyers Like This Loan? To qualify, you must be an American Indian or Alaska Native who is a member of a federally recognized tribe over the age of 18 who will occupy the property as a principal residence. Purchase Price Limits:This program has no purchase price limits. Loan purpose: Buy, build, renovate, refinance a home or place a manufactured home on a permanent foundation. Borrow up to 97.75% of your home's value to do a rate and term refinance and get the money you need to reduce the interest rate or term of your existing non Section 184 mortgage. Tribal member home site must be in an approved HUD 184 area, Funds are based on first-come, first-served basis, All loan funds are subject to availability, Copy of most recent pay stub for a 30-day period, Must provide landlord or mortgage lenders' information for the last two years. rehabilitate a home, including weatherization; In the alternative, the Oklahoma Tax Commission may enforce payments by proceeding in accordance with the provisions of Section 79 of Title 85A of the Oklahoma Statutes. How Much Can I Borrow? We audited Bank2s origination of Section 184 Loan Guarantees for Indian Housing program loans. The Section 184 Indian Home Loan Guarantee Program is a home mortgage product specifically designed for American Indian and Alaska Native families, Alaska villages, tribes, or tribally designated housing entities. Click here to get qualified. Borrowers Section 184 Loan Resources Meet Sharon! You may be curious about your monthly payment after you receive an Oklahoma Section 184 Loan. How does Section 184 Work? Section 184 can help tribes and native families achieve home ownership. Loan-to-Value Limits: The LTV is 97.75 percent on loans over $50,000 and 98.75 percent on loans under $50,000. Contact Hotline at [email protected], Contact Us | Twitter | Privacy Policy | Accessibility | IG Vacancies. Please check official sources. Loan Facts you should know: You must be an enrolled member of a federally recognized tribe or a Native Hawaiian to qualify Downpayments are as low as 1.25% - 2.25% Regular 30 yr fixed interest rates available Common sense approval process Only a 1.5% guarantee fee to the government The Section 184 Indian Home Loan Guarantee Program was established in 1992 to increase the access Native American and Alaskan tribal members have to mortgage financing for homes on or off native lands. Obtaining a HUD Section 184 Native American home loan is fast and free! The BIA offers services and guidance for lenders who want to finance loans in Indian Country, including our lender portal and a helpful checklists for leasehold mortgages and trust land mortgages. "It was very rewarding to have the house keys handed to us" Sharon Kidman of Albuquerque, New Mexico purchased a 3-bedroom, 1,750 square foot home in 2011 using the Section 184 Home Loan Guarantee Program. 184 - Native American loans The Section 184 Loan Program was designed to provide mortgage financing . The Section 184 Indian Home Loan Guarantee Program is a home mortgage specifically designed for American Indian and Alaska Native families, Alaska Villages, Tribes, or Tribally Designated Housing Entities. The following letter serves to wholeheartedly endorse Greg Freeman and the staff at Scissortail Financial Home Loans. In fact, about half of all Section 184 or HUD 184 loans are in the state more than 20,000 to date. In some situations, a tribal member can be approved that has no credit score as long as they can fulfill the acceptable alternative credit requirements. American Indians or Alaska Natives who are members of a federally recognized tribe, federally recognized Indian tribes, tribally designated housing entities, and Indian Housing Authorities are eligible borrowers for the Section 184 loan with suitable credit, adequate income, and proof of tribal enrollment status. Experience But if youd rather buy elsewhere, you can do so in any Oklahoma neighborhood. Low down payment Low interest rates Experienced customer service Loan comparison calculator Additional Information Apply Online Prepare for Closing Close Your Loan Apply with our online application. In Oklahoma, only a small portion of tribal members are aware of the Section 184 Native American Home Loan Benefit, even though they may be eligible. Copy of date and filed federal tax return or tax transcripts for past two years, Copy of most recent bank statement with bank name, address, and account information, Copy of SSN card and a valid state issued photo ID or driver's license for all borrowers, Copy of front and back of CDIB and tribal membership card, First mortgage: fixed current market interest rate, determined by the lender, terms up to 30 years, Choctaw Home Finance Down Payment Assistance Loan: 5% interest for terms of 5 years. Not sure if you qualify? Sign up for our free summaries and get the latest delivered directly to you. Get free summaries of new opinions delivered to your inbox! (1) Each insurance carrier writing workers' compensation insurance in this state and each self-insured employer authorized to make workers' compensation payments directly to employees shall pay to the Oklahoma Tax Commission up to a sum equal to three-fourths of one percent (3/4 of 1%) of the total workers' compensation losses, excluding medical payments and temporary total disability compensation, based on the records of the Workers' Compensation Court of Existing Claims or the Workers' Compensation Commission, paid out or payable during each quarter-year period of the calendar year, said percentage to be fixed by the Commissioner of Labor and based upon the Commissioner's certification that the proceeds thereof are reasonable and necessary to accomplish the objectives of the Oklahoma Occupational Health and Safety Standards Act.
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