BANK OWNED HOME. GREAT FIRST TIME HOME. LOTS OF TILE. TILE COUNTER TOPS. Offers: Submit approval letter, not an LSR. Earnest money to be $1,000 Per $100,000, no exceptions. Closings: 30 days out for Cash, 40 days for conventional, 55 days for FHA/VA. Please note these dates on all offers. Submit proof of funds for cash or down payments.