A dedicated home loan partner.

When it comes to the homebuying journey, you don’t have to figure it out on your own. Lake Trust’s dedicated team of loan officers, through our partners at Mortgage Center, are here to support you.

 

Mortgage Center team members standing in a group.

Meet your personal mortgage expert.

Meet your personal mortgage expert.

Whether you’re dreaming of buying your first home, purchasing a new home, refinancing, or investing in real estate. The dedicated team of mortgage loan officers, through our partners at Mortgage Center, are committed to offering personalized guidance through every step. Your loan officer will provide answers. And offer tailored solutions to fit your needs.

 

MC-LT-Lockup-NMLS

 

Man and woman at home sitting on a couch petting their dog.

Mortgage savings solutions.

For a limited time, Lake Trust members can get a discount of up to 0.50% off your interest rate when you close a new mortgage.2,3
Explore More¹

Your personal mortgage loan officer.

Meet the mortgage loan officers from Mortgage Center ready to guide you through the home loan process. Using their extensive experience. Offering personalized solutions for you.

Danielle Boote

Sr. Mortgage Loan Officer, NMLS #170173

View Danielle's Profile¹

Laura Boote

Sr. Mortgage Loan Officer, NMLS# 2381224

View Laura's Profile¹

Vic Bals

Sr. Mortgage Loan Officer, NMLS #162273

View Vic's Profile¹

Eric Ensley

Sr. Mortgage Loan Officer, Veteran Mortgage Advisor, NMLS #1440179

View Eric's Profile¹

Flo Cannon

Sr. Mortgage Loan Originator, NMLS #1586300

View Flo's Profile¹

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.

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

Group

Check out our free financial calculators to get an idea of your monthly home loan payment.

USE CALCULATORS
A home with green grass and a blue sky.

4 ideas to figure out your budget to buy a home.

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
Mortgage Center team members standing in a group.

The power of partnership.

Learn more about this exciting new partnership between Lake Trust and Mortgage Center.

Learn More¹

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.

Continue reading

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.

Continue reading

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.

Continue reading

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.

Continue reading
MC-LT-Lockup-NMLS

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 may differ from those of Lake Trust.


2 Offer for .25% rate discount is available on 30-year fixed Fannie Mae conforming purchase and refinance transactions. Application must be taken between 1/01/25 - 4/30/25. Mortgage amount must be between $40,000 and $803,500 to be eligible. Mortgage rates current as of 02/18/2025 and assumes a 30-year fixed-rate purchase of a detached, owner-occupied property with a loan to value ratio of 80% and a credit score of 780. A loan amount of $225,000 at an interest rate of 6.750% and an APR of 6.887% has a payment of $1,459.35 with 0 points due at closing.. Payment does not include property taxes/insurances; actual payment will be higher. Offer applies exclusively to Conventional Residential First Mortgages and One Time Close Construction Loans financed with Mortgage Center, and excludes all other mortgage products.

 

3 Offer for .25% rate discount requires monthly direct deposit of at least $400 to an account maintained at Lake Trust Credit Union. Application must be taken between 1/01/25 - 4/30/25.

 

Up to date rate information can be found at Mortgagecenter.com/laketrust/rates/purchase. Lake Trust Credit Union membership required. Offer may not be combined with any other promotion or discount. These offers have no cash value. These offers are non-transferrable. Terms are subject to credit and mortgage approval. Mortgage Center is an Equal Housing Lender, NMLS# 282701. Lake Trust Credit Union is Federally Insured by NCUA and is an Equal Opportunity Lender.