Seller offering to owner occupied buyer,2yr HOW,4% actual closing cost credit (no points).Offer must be rec'd by 11/14/10 & close by 12/31/10.Sold AS-IS. If there are any code violations buyer is responsible. This property is eligible for the FreddieMac First Look Initiative which offers to owner occupied buyers,NSP Program grantees & non-profit organizations engaged in community stabilization efforts,the ability to purchase property during first 15 days of listing w/out investor competition.