BANK OWNED TOWNHOUSE WITH NO HOA FEES. MUST HAVE PROOF OF FUNDS & OR LOAN COMMITMENT. ALL CONTRACTS / OFFERS ARE SUBJECT TO BANKS SENIOR MANAGEMENT APPROVAL & ANY OFFERS OR COUNTER OFFERS BY BANK ARE NOT BINDING UNLESS THE ENTIRE AGREEMENT IS RATIFIED BY ALL PARTIES. ONLY "AS-IS" & "WHERE-IS" CONTRACTS. BUYER SHALL PAY BUYERS LENDER REQUIRED REPAIRS. ALL BUYERS MUST BE PRE-QUALIFIED BY PENNY MAC.