With a Lake Trust membership and a direct deposit of $400 or more per month, you can save 0.25% APR on your mortgage.¹
Your first time transforming a room. Your first time hosting game night. Your baby’s first day out of the hospital. Life firsts start at home.
When you’re on the path to homeownership, every opportunity to save is a big deal. To support you along the way to achieving this goal, you can get 0.25% APR off your mortgage.¹ You just need a direct deposit of $400 or more per month and a Lake Trust membership.
View current rates or contact Mortgage Center to start your application.
When you work with Lake Trust and our partners at Mortgage Center, you’ll work with a team dedicated to guiding you through every step of the home loan process.
Join a community of people who care.
Lake Trust is a local not-for-profit financial institution. As a Lake Trust member, you play a role in enhancing financial wellbeing in Michigan communities.
Work with a trusted local partner.
Lake Trust and Mortgage Center are both based right here in Michigan. We’re excited to help our neighbors who live and work in our communities.
Find flexible financing options.
Conventional, Adjustable-Rate, and more mortgage options are available so you can easily find a lending option that aligns with your goals and situation.
Your lifestyle, the amount of debt you currently owe, and the area you’re searching in can have a big impact on your housing budget.
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In the excitement to find a home, many first-time homebuyers forget to budget for these housing costs.
VIEW ARTICLE1Offer for 0.25% rate discount is available on purchase and refinance transactions. Application must be taken between February 5th, 2026 through May 31st, 2026. Mortgage amount must be between $40,000 and $832,750 to be eligible. Mortgage rates current as of 2/17/2026 and assumes a 30-year fixed-rate purchase of a detached, owner-occupied property with a loan to value ratio of 75% and a credit score of 780. A loan amount of $225,000 at an interest rate of 5.875% and an APR of 5.998% has a payment of $1,330.96 with 0.125 points due at closing. Payment does not include property taxes/insurances; actual payment will be higher if these are added to the payment. Offer applies to first mortgages financed with Mortgage Center and excludes FHA and VA government loans, as well as loans for investment properties.
Applicants must be or become a primary Lake Trust Credit Union member and establish recurring direct deposits of paycheck, pension, or government benefits (such as Social Security) via ACH prior to mortgage closing. Person-to-Person payments (such as Zelle®) are not considered a direct deposit for purposes of this offer. Direct deposit must be at least $400 per deposit. Rate for 30-year fixed rate traditional (Fannie or Freddie) mortgage will not be eligible for promotional rate reduction if rate prior to promotion is below 5.50%. Offer may not be combined with any other promotion or discount. The offer has no cash value. This offer is non-transferrable. Terms are subject to credit and mortgage approval. Offer is subject to end at any time. Mortgage Center is an Equal Housing Lender, NMLS# 282701. Lake Trust Credit Union is Federally Insured by NCUA.
2The maximum amount available to first-time homebuyers cannot exceed $20,000, or 20% of the purchase price, whichever is less. The minimum that can be requested per household is $1,000.
³Additional eligibility restrictions apply. Approval to receive Launch program grant funds is solely determined by FHLBI, and is made on a first-come, first-served basis until the grant funds are depleted. Neither Lake Trust nor Mortgage Center approve or deny the Launch program application. Mortgage Center gathers the information and documentation needed to complete the Launch Down Payment Assistance program application. Lake Trust will then submit the completed Launch Down Payment application to FHLBI on behalf of the qualified Lake Trust member.
Mortgage Center is an Equal Housing Lender, NMLS# 282701.
