FIRST-TIME
HOMEBUYER
PROGRAM

¹Participation in the Real Estate Broker Program is voluntary. Desert Financial Credit Union and its subsidiary Define Mortgage Solutions LLC do not receive any benefit, monetary or otherwise, from the Participating Broker under this program. Participating Brokers are non-affiliated third parties of Define Mortgage Solutions LLC and Define Mortgage Solutions LLC makes no warranties or representations about the service provided by the Participating Brokers. To participate in this program, the member does not have to finance the mortgage loan with Define Mortgage Solutions LLC. Amount of credit will vary and is based on 25% of the buyer’s agent’s commission up to a maximum of $5,000. For full program details, see the Real Estate Broker Program Notice. Mortgage loans are offered by Define Mortgage Solutions, LLC, NMLS ID #1761612, a subsidiary of Desert Financial Credit Union. BK#0949053

⁺Promotional APR applies only to new HELOCs with a minimum loan amount of $10,000 and a maximum loan-to-value (LTV) of 80%; promotional APR does not apply to a refinance of an existing Desert Financial Credit Union HELOC. Subsequent APR may vary based on the index rate, plus a margin; APR will never exceed 18%. Actual rates and APRs dependent on credit history, type of product, loan term and loan-to-value (LTV), occupancy and type of collateral. Home Equity Line of Credit (“HELOC”) has a 10-year draw period; minimum monthly payment will be principal and interest amortized over a 30-year repayment term at a variable rate.

Closing costs are waived unless the loan is paid off within the first three years, an estimated range of fees is $200 to $750. $50 annual fee applies, waived for Desert Financial Rewards+ members.