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*UHM will provide a closing credit of up to a maximum of $450 toward the cost of the appraisal. Customer must pay the appraisal cost at the time of application, if no closing occurs there is no refund of appraisal costs incurred by UHM. Appraisal cost may exceed $450. If an appraisal is not required, the loan does not close, or the cost of the appraisal is less than $450, there is no cash value or closing credit applied to other charges. PBR belt buckle will be provided once refinance has been completed with Union Home Mortgage. Promotional offering ends 4/12/21. For complete Rules, terms and conditions click here.