The right mortgage is out there. We'll help you find it.
Every buyer's situation is different. LMCU has the mortgage options - and the people - to match yours.
Let’s match you with the right mortgage.
Whether you’re a first-time home buyer or moving up, LMCU has the purchase mortgage options (conventional, FHA, VA, jumbo, construction, and specialty programs) to get you there.
Fixed Rate Mortgage
Your rate is locked for life. Choose your term and know exactly what you'll pay.
Hipoteca de tasa ajustable
Lower rate up front. Available in 5/1, 7/1, and 10/1 terms. Smart if you plan to move.
Hipoteca FHA
Less-than-perfect credit? Little-to-no credit history? You could still buy a home with an FHA mortgage.
Hipoteca para veteranos
At LMCU, we make it easy for veterans, military personnel, and their families to afford homes.
Hipoteca SmartMove
0-1% down for community heroes and experts.1 If you serve others, we've got something for you.
Préstamo para construcción
Building from the ground up? One-time close, down payments as low as 10% in Michigan3 and 15% in Florida.4
Hipoteca para profesionales médicos
For medical, dental, and orthodontic professionals. 0% down,5 no PMI,6 deferred loans excluded.
Miembros destacados de la comunidad
Educators, first responders, medical, military, government employees. 3% minimum down.7
HomePlus
0% down,8 no PMI,6 minimum 620 credit score. Limited areas. Homebuyer education class required.10
See today's mortgage rates.
Rates change. What doesn't is LMCU's commitment to being upfront about them. Check current rates, run the numbers, and when you're ready, we'll be right here.
Sometimes our members say it best.
Over 655,000 members choose LMCU for a reason. Here's what a few of them have to say about buying their home with us.
"Working with LMCU kept us focused on the idea that this is very much possible."
Joe
"I'm in this home today because of LMCU, in more ways than one."
David and Shelby
"We thought we needed to wait another year to buy a home, but LMCU showed there was a solution for us."
Hannah and Joseph
Three more reasons to get your mortgage here.
The right loan officer makes all the difference.
Disclosures
Community experts and heroes include Educators, First Responders, Medical, Military, Government, CPAs, CFAs, PhDs, Architects, Certified Mortgage Bankers and Designated Actuaries. Los actuarios designados son los siguientes: ACAS, FCAS, ASA, FSA, MAAA, MSPA y FSPA. El interés de la parte del préstamo que exceda el valor de la vivienda no puede deducirse de los impuestos. Hable con su asesor fiscal sobre su situación específica.
El programa de asistencia para el pago inicial HomeAssist de LMCU está disponible para los compradores de vivienda por primera vez que lo soliciten a través de Lake Michigan Credit Union tengan la intención de comprar una residencia principal en Michigan o Florida. Los solicitantes deben tener un ingreso familiar que cumpla con los requisitos de ingreso medio del área local. Los solicitantes serán asistidos por orden de llegada hasta que se agoten los fondos. Es posible que se apliquen cargos adicionales. Usted puede ser elegible para recibir $15,000 si la propiedad en cuestión está ubicada en un área específica y cumple con los requisitos de ingreso medio del área. Programas sujetos a cambios. Consulte a su agente local de préstamos hipotecarios para obtener más detalles.
Para prestatarios calificados. Contact your LMCU Mortgage Loan Officer for more information. Down payment amounts differ in Florida.
Para prestatarios calificados. Contact your LMCU Mortgage Loan Officer for more information. Down payment amounts differ in Michigan.
Loan-to-value (LTV) ratios up to 100% LTV up to $1,250,000. El interés de la parte del préstamo que exceda el valor de la vivienda no puede deducirse de los impuestos. Hable con su asesor fiscal sobre su situación específica. Para poder participar del programa para profesionales médicos/dentistas, el profesional médico/dentista debe estar en un programa de residencia, debe haber completado un programa de residencia o debe ser un médico/dentista establecido. El médico/dentista también debe establecer un depósito de nómina automático con LMCU para ser elegible.
Private Mortgage Insurance.
Para prestatarios calificados.
Para prestatarios calificados. El interés de la parte del préstamo que exceda el valor de la vivienda no puede deducirse de los impuestos. Consulte a su asesor fiscal.
For details on loan-to-value ratios, visit LMCU.org or contact your LMCU mortgage loan officer.
A Homebuyer Education certificate of completion is required for all homebuyers when using the MSHDA Down Payment Assistance prior to loan closing.
To receive MaxMortgage discount, mortgage payment must be an automatic payment that comes from an LMCU checking account with an ACH deposit. Some programs may not be eligible, discuss with your mortgage loan officer for further details.
