1Free appraisal on real estate purchase transactions (up to $500)for mortgage loans serviced by Desert Schools. Additional restrictions may apply and subject to credit approval. If an application is declined by Desert Schools, Desert Schools will cover related appraisal costs up to $500. If the appraisal cost exceeds $500, the difference will be the responsibility of the applicant. Offer expires December 31, 2016. All loans subject to credit approval.