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Find your new happy place.

Get $1,500 off the closing costs of your mortgage or refinance¹. Feel the joy of homeownership. And savings.
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Pay less for the place that means more.

Pay less for the place that means more.

Having a house of your own represents the feeling of freedom. Growth. And accomplishment. On the path to making this goal happen, you can find the support you need every step of the way with Lake Trust and our partners at Mortgage Center. And now thru December 31, you can get $1,500 off the closing costs of your mortgage or refinance upon approval.¹ Focus on turning your house into a home with savings to make it happen.

View current rates, check out our home loan calculators, or contact Mortgage Center to start your application.

CONTACT MORTGAGE CENTER
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Contact Mortgage Center

Take the first step toward your new home. Or a refinance of your current home. To get started, share some information about yourself and a team member from our partners at Mortgage Center will contact you. And be with you every step of the way through your home loan journey.

A partnership to welcome you home.

When you work with Lake Trust and our partners at Mortgage Center, you’ll have a dedicated home loan officer to help you every step of the way. Whether you’re buying a new home or refinancing your current place, there's plenty to look forward to.

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Get $1,500 off closing costs.¹

Get $1,500 off the closing costs on your mortgage or refinance. Focus on enjoying your new home or your current home with savings in your pocket.

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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.

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Find flexible financing options.

 Conventional, FHA, Adjustable-Rate, and more mortgage options are available so you can easily find a lending option that aligns with your goals and situation.

Save on your home loan.

See more details about how you can get $1,500 off the closing costs of your mortgage or refinance.¹

$1,500 off details

Start your home loan journey and save $1,500 along the way. Apply for your mortgage or refinance by December 31, 2025, to qualify for offer.¹
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MORE DETAILS

  • Offer: Get $1,500 off of the closing costs on your mortgage or refinance.

  • Eligible loans: Purchase or refinance, with a loan amount of $40,000-$806,500

  • Property type: Residential, conventional, first mortgages only

  • Exclusions: Government loans, investment properties, HELOCs, and home equity loans

  • Restrictions: One use per borrower in 24 months, cannot be combined with any other promotions

If you're not a Lake Trust member yet, you'll  start a membership before you close your mortgage. 

see membership details

Frequently asked questions.

Learn more about the mortgage process and find resources to help you on your home loan journey. If you need help, remember you can always contact Mortgage Center to connect with a loan officer.

Who is eligible for the $1,500 off promotion?

Individuals who apply for a mortgage or a mortgage refinance with Lake Trust and our partners at Mortgage Center are eligible to receive $1,500 off the closing costs of their loan.¹ Application must be submitted by December 31, 2025, to qualify. Contact Mortgage Center to get started.

Does the $1,500 off promotion cover all of my closing costs?

Your total closing costs are determined by several factors, including the purchase price of the home you’re buying, property taxes, home insurance, and more. When you apply for a mortgage or refinance with Lake Trust and our partners at Mortgage Center by December 31, 2025, you’ll get $1,500 off your closing costs¹, which is a big savings! You’ll still be responsible for third-party costs including, but not limited to title, tax certificate, and appraisal.

Do I have to be a Lake Trust member before applying for a mortgage?

If you’re not a Lake Trust member yet, that’s okay! You can still apply for your mortgage or refinance with our partners at Mortgage Center. Before you close your mortgage, you’ll be required to open a Lake Trust membership and deposit $5 into a Membership Savings account. Your membership at Lake Trust gives you access to products, services, and support to enhance your financial wellbeing.

Where can I find current home loan rates?

Visit the current rates page on Mortgage Center’s website to see the most up-to-date rates for different mortgage types and refinances.

Where can I find more information about buying a home or refinancing?

Check out the “Home” topic on our Financial Wellbeing Library to find articles and information about buying a home, how to set a budget when looking for a new home, and how to decide if it’s the right time to refinance your home. Or use our home loan calculators to get an idea of what your monthly mortgage payment might look like. 

Get $1,500 off closing costs on your mortgage

or refinance. Apply now thru December 31.¹

GET STARTED

Find more support on your path to home.

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The power of a partnership.

Lake Trust’s dedicated team of loan officers, through our partners at Mortgage Center, are here to help you on your home loan journey.

LEARN MORE
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4 ideas to figure out your home buying budget.

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. 

read more

1$1,500 Closing Cost promotion is on purchase and refinance transactions and saves you $1,500 on the closing costs for your home loan. Borrowers are responsible for any third-party costs including but not limited to: title, tax certificate, and appraisal. Application must be taken between September 1, 2025 and December 31, 2025. Mortgage amount must be between $40,000 and $806,500 to be eligible. Mortgage rates current as of 08/26/2025, and assume a detached, owner-occupied property with a loan to value ratio of 75% and a credit score of 780. A loan with a 30 year term and an amount of $225,000 at an interest rate of 6.375% and an APR of 6.56% has a payment of $1,403.71 with 0 points due at closing. Payment does not include property taxes/insurances; actual payment will be higher. Up to date rate information can be found at mortgagecenter.com/laketrust/rates/. Offer applies to Residential Conventional First Mortgages financed with Mortgage Center and excludes government loans, investment properties, home equity loans and HELOCs. This offer can only be used once in a 24-month time period. Offer may not be combined with any other promotion or discount. The promotion has no cash value. This offer is non-transferrable. Terms are subject to credit and mortgage approval. Other restrictions may apply. 

 

EqualHousing-Logo   Mortgage Center is an Equal Housing Lender, NMLS# 282701.

Forbes 2025 Best-In-State Credit Unions

Lake Trust is honored to be a Forbes Best-In-State Credit Union.

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