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Low rates for the roof over your head.
Friendly service for the roof over your heart.

Ramos Builders has partnered with Lake Michigan Credit Union (LMCU) because doing what’s right for their members drives everything they do. From friendly, knowledgeable experts, to low rates and low down payments, LMCU will help finance the home you love.

Mortgage options to fit your needs

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.

Construction, Land & Renovation

Purchase land and build a new home, or finance a fixer-upper. Our one-time closing combines the land and construction to save you money. You'll pay less in closing costs while guarding against interest rate increases.

Low fixed and adjustable rates
Down payments as low as 15%*
One-time closing = lower closing costs

*For well qualified buyers.

We're here to help.

Together, Ramos Builders and Lake Michigan Credit Union will simplify the home financing process. They’re here for you every step of the way, and will continually provide friendly, expert service.

With LMCU Loan Originator Dave Collins, you’ll get personalized service, timely communication, and customized financing options to fit your needs. To find out how Ramos Builders and LMCU can make your dream home a reality, take the first step and contact Dave Collins to get pre-approved today.

Preferred Lender

David Collins

Mortgage Loan Officer
NMLS ID# 546214
(239) 826-3345

david collins

Before you start planning for your dream home, it’s important to know how much home you can afford. By getting pre-approved, you’ll know how big to dream while staying within budget.

Get Pre-Approved Today

If you’re looking to find out how much home you can afford, please fill out the form below and David Collins will contact you to help you get started.

Don't want to wait?
Give David a call at (239) 826-3345.

Please note this information may be shared with LMCU and Ramos Builders.

Need More Info?

Not quite ready to find out how much house you can afford, or to speak with a loan officer? That's alright. Click below to read more information about the types of products we offer at LMCU. We're always here when you need us!

Learn More