*The 30-day Guarantee begins 30 calendar days from the later of: initial disclosures signing date, intent to proceed date, interest rate lock date, or receipt of fully executed purchase contract if applicable. Borrowers must meet the following guidelines to be eligible: required documentation must be submitted within 48 hours of the initial application; underwriting conditions from the borrower must be delivered within 24 hours of the request by USU Credit Union Mortgage Services; title of the property must be clear of any encumbrances other than the initial mortgage; the borrower provides USU Credit Union with any additional required information/documentation within the time frame indicated on any Notice of Incompleteness; and purchase loans only include transactions that have an accepted, written contract between buyer and seller. Offer is not valid if: the borrower changes loan products or terms; applicable law or investor requirements impose a required waiting period past the Guarantee Date; or the closing is delayed due to borrower’s actions, omissions or delays or is due to those of an unaffiliated third party, if the seller’s fail to close by the contract closing date or to perform as required under the contract or to satisfy conditions of the loan approval, or in incidents of inclement weather, natural disaster, catastrophic event, or other general public emergency beyond USU Credit Union’s control. Receive a free appraisal up to $450 with a qualifying mortgage, construction loan, or lot loan. Valid on applications dated between 7/09/21 through 9/30/21. Not to be combined with any other offers or promotions. Guarantee does not apply to Home Equity Line of Credit or loans that require subordination of a second lien. Equal Housing Lender. NMLS#440574.