For the roof over your heart.

At LMCU, we know there are two sides to every home purchase. The logical. How much is the down payment? How much are the monthly payments? And the emotional. Can we see our kids growing up here? Can we see ourselves growing old here? At LMCU, we offer low rates and low down payments for the roof over your head. And friendly, expert service for the roof over your heart.

The home you always dreamed of, at a rate you never dreamed of.

Compared to traditional banks, you’ll pay less on your loan rate, less on your closing costs, and less in expenses over the life of the loan. Compare today's rates.

Purchase ›

Choose from a wide range of attractive mortgage programs, all designed to get you into the home of your dreams, on your terms.

  • Low down payment programs
  • Programs to meet any need – up-to 100% financing
  • Variety of terms

Refinance ›

Whether you're looking to lower your monthly payments, make renovations, or take advantage of your home's equity to finance a major purchase, refinancing your home with us is a great option.

  • Low fixed and adjustable rates
  • Restructure your loan terms
  • Take cash out of your home

Construction, Land & Renovation ›

Purchase land and build a new home. Finance that fixer-upper. Our one-time closings combine land and construction financing with your end home loan. You'll pay less in closing costs while guarding against interest rate increases.

  • Low fixed and adjustable rates
  • Down payments as low as 10% in Michigan
  • Down payments as low as 15% in select Florida counties
  • One-time closing – lower closing costs

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