Refer a FriendMortgages
The right mortgage loan to fit your lifestyle.
LMCU offers low mortgage rates, low down payment requirements (including programs requiring as little as 0-3%*), and industry-low closing costs to help you pay less compared to traditional banks and other credit unions. Our lending experts will provide the personal service you deserve and help you find the home loan that meets your needs, whether it's a first-time homebuyer mortgage, construction loan, or mortgage refinance.
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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
*For well-qualified borrowers. The interest on the portion of the loan that exceeds the value of the dwelling is not tax deductible. Please consult your tax advisor.