Bank-owned property... FMNA will pay up to 3% closing costs for owner occupants/ Minimum of $1000 in earnest for owner occupants, $2000 for investors/ Maintenance-free exterior with vinyl siding/ Refrigerator, range & dishwasher to remain/ This property is being sold in 'as-is' condition- FNMA will made no repairs to the home/ E-mail Jody at [email protected] for the FNMA addendum/