The power of $99.
Get a mortgage to purchase or refinance with just
$993 in origination fees.

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$99 opens new doors.

Looking for a new home? Dreaming of an upgrade? Look no further. For just $993, you can get a mortgage. That's a savings of $9812! And it only takes about 15 minutes to apply.

Plus, you'll be helping your community. When you get a mortgage with Lake Trust and Mortgage Center, we'll donate $994 to a housing nonprofit through our partnership with the Lake Trust Foundation.

Let's get that home. And let's help our community. That's the power of $99. 

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$99 creates a new start.

Expanding your home? Tackling a major expense? Simplifying your finances? For a limited time, you can refinance your mortgage for just $993. A remarkable savings of $9812. And we've made it simple.

Plus when you close a mortgage to purchase or refinance with Lake Trust and Mortgage Center, we'll donate $994 to a housing nonprofit through our partnership with the Lake Trust Foundation.

Helping you take control. Helping your neighbors thrive. That's the power of $99. 

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Since 2019, our members have helped us donate

$95,232

to Michigan nonprofits supporting housing needs. That's the power in all of us.

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2019 Giveback recipients:

 

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2020 Giveback recipients:

 

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Starting your home loan.

With a number of options and terms available, our partners at Mortgage Center can help you find a solution tailored to fit your needs.

Promotion includes purchase or refinance from another institution.

No cost pre-approval

 

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The power in simplicity.

Easy Checking Account5

  • No minimum balance
  • Free online & mobile banking
  • No monthly service fee
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Personalized Home Insurance.6

Customize your coverage based on your budget and needs. 

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1Third 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$99 origination fee is available when you apply for a mortgage or refinance with Mortgage Center from January 1, 2022 through March 31, 2022 and saves you $981 off the current administration and underwriting fees of $1,080 on your closed home loan.

3 $99 fee is available for a limited time. Mortgage amount must be between $40,000 and $647,200 to be eligible. Mortgage rates current as of 12/2/2021 and assumes a 30-year fixed-rate purchase or refinance of a detached, owner-occupied property with a loan to value ratio of 80% and a credit score of 740. A loan amount of $200,000 at an interest rate of 3% and an APR of 3.081% has a payment of $843.21 with 0.75 point due at closing. The payment does not include property taxes or insurances, the actual payment will be higher. Borrowers are responsible for any third-party costs including but not limited to: title, tax certificate, and appraisal. Offer applies to Residential First Mortgages financed with Mortgage Center and excludes Home Equity Loans and Lines of Credit. 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.

4Apply for a mortgage or refinance with Mortgage Center from January 1, 2022 through March 31, 2022, and $99 will be donated after closing to a non-profit organization focused on housing and shelter through our partnership with the Lake Trust Foundation.

5Lake Trust membership is required and is federally insured by the NCUA.

6The 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-1112-21AO.