^⋈Standard closing costs include items such as recording fees and standard title-related fees. Appraisal fees are not included and are the responsibility of the borrower. Offer valid on applications received from 9/1/2026 through 10/31/2026 and may not be used in conjunction with first-mortgage loans or bridge loans. Availability and terms may vary by state. Refinances must include at least 25% new money to the balance at booking. Offer subject to change or end at any time without notice. Iowa and Nebraska: Veridian Credit Union will cover standard closing costs up to $300. No minimum loan amount required. Minnesota: Veridian Credit Union will cover standard closing costs up to $800, which includes up to $500 for Minnesota Mortgage Registration Tax (MRT). Minimum loan balance of $20,000 required at booking.