¹The 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.
²Additional 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.
³Mortgage Center is an Equal Housing Lender, NMLS# 282701. Lake Trust Credit Union is Federally Insured by NCUA and is an Equal Opportunity Lender
⁴Offer 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.
