All borrowers must be pre-qualified with Todd Bugbee of PennyMac Loan Services (805) 330-4716 .Qualified borrowers will be eligible for financing credit of up to $1,800, applicable to non-recurring closing costs and/or interest rate buy-down. Total Penny Mac concessions, including $1,800 financing credit, cannot exceed 6% of sales price. Incentives valid only if an acceptable offer is received by 3/17/13 and financing is obtained through PennyMac Loan Services".