Perfect Timing! erndt Brothers Bank Kerndt Brothers Bank is now offering a $1,000 closing cost credit for new or refinanced mortgage loans. NMLS #484873 This offer may be redeemed for a credit against mortgage loan closing costs associated with single family, owner occupied homes in our market area only. Some loan amounts may not qualify for closing cost credit. Credit is valid only when subject mortgage loan is approved and closed. This offer is subject to change and may be withdrawn at any time. eber Offer subject to lender approval. FDIC Heather Cox NMLS 636930 Vice President, Mortgage Banker 319.558.5482 hcox@kerndtbrothers.com