¹Free appraisal (up to $500) on real estate purchase transactions for mortgage loans serviced by Desert Financial. Additional restrictions may apply. All loans subject to credit approval. If an application is declined by Desert Financial, Desert Financial will cover related appraisal costs up to $500. If the appraisal cost exceeds $500, the difference will be the responsibility of the applicant. Offer is valid for a limited time only. ²Participation in the Real Estate Broker program is voluntary. Desert Financial does not receive any benefit, monetary or otherwise from the Participating Broker under this program. Participating Brokers are non-affiliated third parties of Desert Financial and Desert Financial makes no warranties or representations about the services provided by Participating Brokers. To participate in this program, member does not have to finance mortgage loan through Desert Financial. For full program details, see the Real Estate Broker Program Member Notice Acknowledgement. ³Grant money is limited and reserved on a first-come, first-serve basis. Must have an accepted purchase contract to reserve funds. Not all members will be eligible for down payment assistance.  Must be a first-time homebuyer. Restrictions apply, including — but not limited to — income and creditworthiness.  Ask a representative for more details. ⁴Mortgage loans are offered by Define Mortgage Solutions, LLC, NMLS#1761612, a wholly owned subsidiary of Desert Financial Federal Credit Union