***** HOME STEPS PROMO CONTRACTS RECEIVED 10/23/08-01/31/09 AND CLOSED ESCROW BY 03/14/09. OWNER OCCUPIED BUYERS WILL RECEIVE 3.5% OF SAELS PRICE TOWARD CLOSING COSTS OR 1% IF ALL CASH ******* Property is lender owned and will convey in AS IS condition. No SPDS or insurance history will be provided.