* To qualify for the $250 closing cost deduction, the loan amount must be a minimum of $5,000 and closed at a Co-op Services branch by September 28, 2012. Existing Co-op Services loans are not eligible for refinance under this promotion. Closing cost discount of $250 will be deducted from the member's closing costs once the Credit Union has verified membership and mortgage loan requirements..

You must be 18 years of age or older to enter the "Art of Home Loans" Sweepstakes. No purchase necessary to enter or win. Anyone can send in a photo along with their name, address, phone number and age to Co-op Services Credit Union, Attn: Marketing, 29550 Five Mile Road, Livonia, MI 48154 and the credit union will post your entry to the “Art of Home Loans” website. Mailed entries must be postmarked by Sept. 24, 2012.

After the official voting period has ended, the top vote getting entry based on the official "Art of Home Loans" Sweepstakes Terms & Conditions will be deemed the winner of the "Art of Home Loans" Sweepstakes and will receive $2,500 in the form of a Visa Gift Card.

Winning entry will be notified by Oct. 12, 2012. The winner is responsible for all applicable local, state and federal taxes associated with this prize. This offer may not be combined with any other promotional offers. Click here for “Art of Home Loans” Sweepstakes full terms and conditions