Home Loans

Experience the feeling of home with a home loan solution unique to your needs, whether you’ve just found the perfect place to call your own or you’re ready to upgrade the space you already call home.

The power of home.

Your home plays an important role in the setting of your story. Maybe your home is the first major purchase you’ll make as an adult. Or the space where you’ll see your child take their first steps. Or perhaps your home serves as a new chapter during a season of change. Whatever home means to you, we’re here to help you along the journey.

Mortgage Loan

Nothing beats the feeling of comfort and security in the place you call home. If you’re looking for a new place to call your own or you want to refinance your existing mortgage, Lake Trust and our partners at Mortgage Center can help you.

INTEREST

View current rates¹

MORE DETAILS
Purchase, refinance your existing debt, make home improvements, or use for other needs

Fixed-rate loans for predictable monthly payments over a specific term

Adjustable Rate Mortgage (ARM) is available if you’re looking for a loan with flexible payments

Learn more about available financing options¹ from our partners at Mortgage Center

Explore resources¹ about the home-buying process, budgeting, and steps to take before you apply for a mortgage

Cash Out Refinance Loan

You may be able to refinance your home and get a lower rate or new term while also using the equity in your home to borrow additional funds. You can use these funds to make improvements to your house, or for another large purchase.

INTEREST

View current rates¹

MINIMUM LOAN AMOUNT

$40,000

CONTACT MORTGAGE CENTER

MORE DETAILS
10-, 15-, and 30-year fixed-rate terms available

Primary residence only

Learn more about available financing options¹ from our partners at Mortgage Center

Explore resources¹ about the home-buying process, budgeting, and steps to take before you apply for a mortgage

Federal Housing Administration (FHA) Mortgage

If you have a lower credit score or you don’t plan to put a large down payment on your home, an FHA loan might be a great option to help you purchase a house you love. FHA loans also allow for gift funds from friends and family to put toward your down payment.

INTEREST

View current rates¹

CONTACT MORTGAGE CENTER

MORE DETAILS
15- and 30-year fixed-rate terms available

Primary residence only

Learn more about available financing options¹ from our partners at Mortgage Center

Explore resources¹ about the home-buying process, budgeting, and steps to take before you apply for a mortgage

Family Helper Loan

If you have little or no credit, it’s still possible to qualify for a home loan. By adding a family member as a co-borrower and using their credit score, you may be able to apply and qualify for a mortgage to buy your home.

INTEREST

View current rates¹

MINIMUM LOAN AMOUNT

$40,000

CONTACT MORTGAGE CENTER

MORE DETAILS
10-, 15-, and 30-year fixed-rate terms available

Primary residence only with non-occupying co-borrower

Learn more about available financing options¹ from our partners at Mortgage Center

Explore resources¹ about the home-buying process, budgeting, and steps to take before you apply for a mortgage

Home Renovation Loan

If your house needs a little love, a home renovation loan could help you upgrade or repair your place. By combining the renovation and mortgage costs into one loan, you won’t have to take out additional financing or worry about making two loan payments.

INTEREST

View current rates¹

MINIMUM LOAN AMOUNT

$40,000

CONTACT MORTGAGE CENTER

MORE DETAILS
10-, 15-, and 30-year fixed-rate terms available

Primary residence only

Use to purchase a new home or refinance an existing home

Learn more about available financing options¹ from our partners at Mortgage Center

Explore resources¹ about the home-buying process, budgeting, and steps to take before you apply for a mortgage

One-Time Close Construction Loan

Building a home is an exciting option to customize a space to truly be yours. During construction, you’ll make interest-only payments on your loan. When your home is complete, this loan will automatically convert to a conventional mortgage, and you’ll only need to close on the loan once.

INTEREST

View current rates¹

MINIMUM LOAN AMOUNT

$60,000

CONTACT MORTGAGE CENTER

MORE DETAILS
10-, 15-, and 30-year fixed-rate terms available

Can use for primary residence or secondary home

Learn more about available financing options¹ from our partners at Mortgage Center

Explore resources¹ about the home-buying process, budgeting, and steps to take before you apply for a mortgage

Student Debt Relief Loan

Your dedication to your education shouldn’t be a barrier in your journey to buy a home. This mortgage option offers flexible loan terms that work with your budget if you have student loans.

INTEREST

View current rates¹

MINIMUM LOAN AMOUNT

$40,000

CONTACT MORTGAGE CENTER

MORE DETAILS
10-, 15-, and 30-year fixed-rate terms available

Primary residence only

Learn more about available financing options¹ from our partners at Mortgage Center

Explore resources¹ about the home-buying process, budgeting, and steps to take before you apply for a mortgage

Home equity loans.

Make your house feel a little more like home. If you already own a home, you may be able to use your equity to get financing for other needs. Equity is the difference between the appraised value of your home and the amount you still owe on your mortgage. Home equity loans are a great option if you plan to renovate, expand, or add energy-efficient upgrades to your house or if you’re planning to make a high-dollar purchase.

Fixed Home Equity Loan
AS LOW AS {rate-value}% APR²

A fixed home equity loan allows you to access all your financing at once, making this a great option if you know exactly how much you plan to spend on your project or purchase.

INTEREST

As low as {rate-value}% APR²

MINIMUM LOAN AMOUNT

$10,000

APPLY NOW

MORE DETAILS

Predictable monthly payments over a specific term

Refinance your existing debt, make home improvements, or use for other needs

Primary residence: Both first and second mortgages available

Non-primary residence: Only first mortgage loans available

No application or origination fee

10-, 15-, or 20-year terms

One lump sum access to funds

Escrow available for taxes and insurance

No pre-payment penalty

Consult a tax advisor about potential deductibility of interest

Home Equity Line of Credit (HELOC)
APR² As low as {rate-value}%, VARIABLE BASED ON PRIME ³

A HELOC allows you to pull funds as you need them, making this a great option if you have to pay contractors or pay for supplies at different times during a project.

INTEREST

As low as {rate-value}% APR², Variable based on prime³

MINIMUM LOAN AMOUNT

$10,000

APPLY NOW

MORE DETAILS

Access your money when you need it

Funds become available again when you pay down the balance

No application or origination fee

Primary residence only

5-year draw period (may be renewed upon re-evaluation)

Monthly payment: Only 2% of the outstanding principal balance ($100 minimum)

No pre-payment penalty

Consult a tax advisor about potential deductibility of interest

Home Insurance

Safety. Security. And a sense of care. Your finances and your wellbeing go together. Through partnerships with trusted providers, Lake Trust members can access potential discounts on home insurance. Protect your house and property with a home insurance policy that fits your budget and needs while also offering peace of mind.

trustage

Our partners at TruStage⁴ work with Liberty Mutual and Esurance to pick the best policy for you. Share a little information about what you're looking for to get an instant online quote.

GET A QUOTE¹

members-home-and-auto

With a wide range of insurance carrier options, our partners⁵ can easily find a policy that fits your needs. Fill out a quick online form and a representative will contact you with a quote.

GET STARTED¹

View all Lake Trust Credit Union NMLS Originators

Johnetta Johnson	NMLS#2244424	Dawn Dingman	NMLS#2245561
Jacob Luke	NMLS#2250986	Rashelle Glinski	NMLS#2244610
Linnea Lardner	NMLS#2244422	Samantha Beatty	NMLS#2138330
Maxi Horn	NMLS#2150919	Laura Wixson	NMLS#1282122
Amanda Wurm	NMLS#744334	Laura James	NMLS#817180
Ana Shaffer	NMLS#909005	Ryan Currier	NMLS#1911808
Melissa Garcia	NMLS#1911810	Alexander Grimes	NMLS#1943884
Renae Theeck	NMLS#1944140	Julia Erickson	NMLS#1946043
Elizabeth Martin	NMLS#1947237	Linda Enness	NMLS#2027132
Andrew Hinshelwood	NMLS#2032140	Rebecca Warner	NMLS#1911805
Tricia Eldred	NMLS#922316	Kathryn Greenwood	NMLS#538026
Anna Marie Wilson	NMLS#1183399	Charlotte Jean Pegg	NMLS#1141866
Christian Sean Baker	NMLS#1911804	Eric Wesley Ozanich	NMLS#728279
Kimberly B Spencer	NMLS#1225368	Tamatha Dew	NMLS#1838310
Kerry Bushre	NMLS#1670695	Mildred Huffman	NMLS#1841225
Jill Shelton	NMLS#1837794	Dayana Alfonso	NMLS#1472053
Netia Brown	NMLS#973698	Thomas Bishop	NMLS#1454215
James Carlson	NMLS#1668923	Collin Davy	NMLS#1430959
Heather Donohue	NMLS#1508861	Cathryn Latinen	NMLS#1438483
Melisa Miller	NMLS#249844	Lisa Miller	NMLS#1538325
Jamie Smith	NMLS#591213	Suzanne Gierada	NMLS#514948
Adam Watts	NMLS#1177916	Liberty McPike	NMLS#1762203
Shahnaz Agharahimi	NMLS#1761834	Sylvia Pratt	NMLS#879798
Lauren Ward	NMLS#1218012	Rebecca Wood	NMLS#1762563
Donall Middaugh	NMLS#2309016	Eric Dreyer	NMLS#2308761
Katelyne Anne Pope	NMLS#2359881	William Eichenberg	NMLS#2425914
Tamiya Jackson	NMLS#2423774	Ashlei Brier	NMLS#2436745
Jacob Haase	NMLS#2437251	Melissa Karr	NMLS#2466807
Lisa Martens	NMLS#2467069	Leah Oleski	NMLS#2466983
Tammie Roth	NMLS#2466677	Kristin VanBibber	NMLS#2467528
Jessica Sanderson	NMLS#2486002	Kristin Scarane	NMLS#2486070
Rebecca Beaty	NMLS#645493	Johnda Cece	NMLS#2525983
Michelle Vasilco	NMLS#2524735	Ashley Horton	NMLS#1599673
Juniper (Hailey) Maner	NMLS#2543043	Alicia Walters	NMLS#2543198
Jamie White	NMLS#2543184	Nicole Blanton	NMLS#1496204
Sierra Knoch	NMLS#1699305	Stacey Bethell	NMLS#2602739
Kelly Collins	NMLS#707508	Alissia Ferguson	NMLS#2602469
Alexandra Huyck	NMLS#2602151	Ivana Joins	NMLS#2602130
Amanda Joseph	NMLS#2591085	Tesha Reeves	NMLS#2602561

FINANCIAL WELLBEING LIBRARY

Empower your financial future.

Imagine your dream future. And make a plan to get there. With education and information, you can find more confidence along your journey.

Five Individuals Receive Career Support Through Lake Trust Foundation Scholarship Program

Meet the 2024 Lake Trust Foundation Scholarship recipients and learn more about their plans to make an impact in Michigan.

9 Ways to Have a Fun and Cheap Family Vacation

If you’re ready to break down the cubicle walls it might be time for a getaway. Here’s tips on how to travel on a budget.

One Act. Big Impact. The Raffle That Gives Back.

You could win up to $20,000 in the Lake Trust Credit Union Foundation Raffle AND help support wellbeing initiatives in Michigan communities.

Helping others on their self-care journey.

Sylvia's Sudsery, LLC of Lansing offers artisan soaps, bath bombs, foaming sugar scrubs, and more. But, the heart of Sylvia's Sudsery is to create an accepting and inclusive space that supports others on their self-care journey.

¹ Third party website. Lake Trust Credit Union is not responsible for the content, availability, security or compliance of any linked third party websites. In addition, the site’s privacy policies may differ from those of Lake Trust.

² APR=Annual Percentage Rate. Rates based on credit history, term, security, and amount borrowed. Rates effective September 23, 2024 and subject to change.

³ The HELOC annual percentage rate (APR) can change quarterly based on the value of an index. The maximum APR that can apply during the plan is 18% and the minimum APR that can apply during the plan is 4%.

⁴ The TruStage Auto & Home Insurance Program is made available by CUNA Mutual Insurance Agency, Inc. and underwritten by leading insurance companies. The insurance offered is not a deposit and is not federally insured. This coverage is not sold or guaranteed by your credit union. DPGAP-1112-21A0.

⁵ Members Home and Auto is an independent insurance agency and resident agency of the State of Michigan. Policies offered by Members Home and Auto are underwritten by leading insurance companies. The insurance offered is not a deposit and is not federally insured. This coverage is not sold or guaranteed by your credit union. DPGAP-112-21A0.

Home Loans

The power of home.