Discount applies only to the fees associated with the mortgage loan application process. It does not apply to the principle loan amount borrowed. Discount also does not apply for refinance of existing SMCU mortgages. Not eligible to be combined with CU Rewards discount points for mortgage lender fee credit. Lender fee credit available May 10 – June 15, 2013. Subject to change at any time. All loans are subject to credit, income, debt and property value qualification. Additional conditions and restrictions may apply. Rates and terms are subject to change without notice. All loans require credit union membership and credit approval. You are eligible for membership in SMCU if you live, work, worship or study in San Mateo County, the City of Palo Alto and certain areas of San Francisco. A one-time, non-refundable membership fee of $10.00 ($1 age 17 and under) is required to join. San Mateo Credit Union is an Equal Opportunity Lender. Equal Housing Lender.