BANK OWNED. BUYER TO VERIFY ALL UTILITIES. A $75 BUYER PAID DOC FEE AT COE PLEASE READ THE REO GUIDELINES BEFORE SUBMITTING YOUR OFFER FOR INSTRUCTIONS** ALL CONTRACTS/OFFERS ARE SUBJECT TO INDYMAC/ONEWEST SENIOR MGMT APPROVAL AND ANY OFFERS OR COUNTER OFFERS BY INDYMAC/ONEWEST ARE NOT BINDING UNLESS THE ENTIRE AGREEMENT IS RATIFIED BY ALL PARTIES.THIS SELLER REQUIRES HOME TO BE IN MLS FOR 3 BUS DAYS BEFORE OFFERS ARE SUBMITT