Use Countrywide Home Loans and use one of the following incentives

• No payments for the first 3 months
• No money down, plus no closing costs
• Interest rates starting as low as 4.5%*

*Purchaser must use Countrywide to qualify for incentives. Starting rate of 4.5% based off a smart-step buydown program on 11/1/06. Rates subject to change, call for details.