LENDER OWNED PROPERTY, BEING SOLD 'AS IS.' ADULT COMMUNITY.HO.O.A. HAS A BUYER'S CAPITAL IMPROVEMENT FEE, CURRENTLY $736. LENDER REQUIRES A PRE-QUALIFICATION BY COUNTRYWIDE OR A DIRECT ENDORSEMENT LENDER. PRE-QUAL BY COUNTRYWIDE WILL ONLY BE WAIVED IF THERE IS NO LOAN CONTINGENCY.