[/av_heading] [/av_one_full] [/av_section] [av_one_fifth first min_height=” vertical_alignment=” space=” custom_margin=” margin=’0px’ padding=’0px’ border=” border_color=” radius=’0px’ background_color=” src=” background_position=’top left’ background_repeat=’no-repeat’ animation=” mobile_breaking=” mobile_display=”] [av_font_icon icon=’ue83f’ font=’entypo-fontello’ style=” caption=” link=” linktarget=” size=’90px’ position=’center’ color=’#3a715c’ admin_preview_bg=”][/av_font_icon] [/av_one_fifth] [av_four_fifth min_height=” vertical_alignment=” space=” custom_margin=” margin=’0px’ padding=’0px’ border=” border_color=” radius=’0px’ background_color=” src=” background_position=’top left’ background_repeat=’no-repeat’ animation=” mobile_breaking=” mobile_display=”] [av_heading tag=’h3′ padding=’10’ heading=’Save $500 on Closing Costs’ color=” style=’blockquote modern-quote’ custom_font=” size=’28’ subheading_active=” subheading_size=’15’ custom_class=” admin_preview_bg=” av-desktop-hide=” av-medium-hide=” av-small-hide=” av-mini-hide=” av-medium-font-size-title=” av-small-font-size-title=” av-mini-font-size-title=” av-medium-font-size=” av-small-font-size=” av-mini-font-size=”] Royal is offering first-time homebuyers a $100 credit* on their closing costs if they complete an online educational course offered by Fannie Mae®. The course explains a variety of mortgage topics, and the information applies to all home loans. Any first-time homebuyer, even those who don’t qualify for Fannie Mae® loans, can take advantage of this credit with Royal. Register for and complete the self-guided online course at https://www.fanniemae.com/education.
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Save $500 on closing costs* when you buy a home or move your current home loan to lake area mortgage.
[/av_textblock] [av_codeblock wrapper_element=” wrapper_element_attributes=” codeblock_type=”] [/av_codeblock] [/av_four_fifth] [av_one_fifth first min_height=” vertical_alignment=” space=” custom_margin=” margin=’0px’ padding=’0px’ border=” border_color=” radius=’0px’ background_color=” src=” background_position=’top left’ background_repeat=’no-repeat’ animation=” mobile_breaking=” mobile_display=”][/av_one_fifth] [av_one_fifth min_height=” vertical_alignment=” space=” custom_margin=” margin=’0px’ padding=’0px’ border=” border_color=” radius=’0px’ background_color=” src=” background_position=’top left’ background_repeat=’no-repeat’ animation=” mobile_breaking=” mobile_display=”] [av_button label=’Apply today!’ link=’manually,https://lam.corephp.org/apply-now/’ link_target=’_blank’ size=’x-large’ position=’left’ icon_select=’no’ icon=’ue800′ font=’entypo-fontello’ color=’theme-color’ custom_bg=’#444444′ custom_font=’#ffffff’ admin_preview_bg=”] [/av_one_fifth] [av_one_fifth min_height=” vertical_alignment=” space=” custom_margin=” margin=’0px’ padding=’0px’ border=” border_color=” radius=’0px’ background_color=” src=” background_position=’top left’ background_repeat=’no-repeat’ animation=” mobile_breaking=” mobile_display=”] [av_button label=’Contact Us’ link=’manually,https://lam.corephp.org/contact/’ link_target=’_blank’ size=’x-large’ position=’left’ icon_select=’no’ icon=’ue800′ font=’entypo-fontello’ color=’theme-color’ custom_bg=’#444444′ custom_font=’#ffffff’ admin_preview_bg=”] [/av_one_fifth] [av_hr class=’default’ height=’50’ shadow=’no-shadow’ position=’center’ custom_border=’av-border-thin’ custom_width=’50px’ custom_border_color=” custom_margin_top=’30px’ custom_margin_bottom=’30px’ icon_select=’yes’ custom_icon_color=” icon=’ue808′ font=’entypo-fontello’ admin_preview_bg=”] [av_one_fifth first min_height=” vertical_alignment=” space=” custom_margin=” margin=’0px’ padding=’0px’ border=” border_color=” radius=’0px’ background_color=” src=” background_position=’top left’ background_repeat=’no-repeat’ animation=” mobile_breaking=” mobile_display=”] [av_font_icon icon=’ue821′ font=’entypo-fontello’ style=” caption=” link=” linktarget=” size=’90px’ position=’center’ color=’#3a715c’ admin_preview_bg=”][/av_font_icon] [/av_one_fifth] [av_four_fifth min_height=” vertical_alignment=” space=” custom_margin=” margin=’0px’ padding=’0px’ border=” border_color=” radius=’0px’ background_color=” src=” background_position=’top left’ background_repeat=’no-repeat’ animation=” mobile_breaking=” mobile_display=”] [av_heading tag=’h3′ padding=’10’ heading=’$100 First-Time Homebuyer Credit’ color=” style=’blockquote modern-quote’ custom_font=” size=’28’ subheading_active=” subheading_size=’15’ custom_class=” admin_preview_bg=” av-desktop-hide=” av-medium-hide=” av-small-hide=” av-mini-hide=” av-medium-font-size-title=” av-small-font-size-title=” av-mini-font-size-title=” av-medium-font-size=” av-small-font-size=” av-mini-font-size=”] Royal is offering first-time homebuyers a $100 credit* on their closing costs if they complete an online educational course offered by Fannie Mae®. The course explains a variety of mortgage topics, and the information applies to all home loans. Any first-time homebuyer, even those who don’t qualify for Fannie Mae® loans, can take advantage of this credit with Royal. Register for and complete the self-guided online course at https://www.fanniemae.com/education.[/av_heading] [av_textblock size=’16’ font_color=’custom’ color=” av-medium-font-size=” av-small-font-size=” av-mini-font-size=” admin_preview_bg=”]
Lake Area Mortgage offers first-time homebuyers a $100 credit** on their closing costs if they complete an online educational course offered by Fannie Mae®. The course explains a variety of mortgage topics, and the information applies to all home loans. Any first-time homebuyer, even those who don’t qualify for Fannie Mae® loans, can take advantage of this credit with Lake Area Mortgage. To register and complete the self-guided online course, visit https://www.fanniemae.com/education
[/av_textblock] [av_codeblock wrapper_element=” wrapper_element_attributes=” codeblock_type=”] [/av_codeblock] [av_button label=’Start your homebuyer course today! ‘ link=’manually,https://www.fanniemae.com/education’ link_target=’_blank’ size=’x-large’ position=’left’ icon_select=’no’ icon=’ue800′ font=’entypo-fontello’ color=’theme-color’ custom_bg=’#444444′ custom_font=’#ffffff’ admin_preview_bg=”] [/av_four_fifth] [av_hr class=’default’ height=’50’ shadow=’no-shadow’ position=’center’ custom_border=’av-border-thin’ custom_width=’50px’ custom_border_color=” custom_margin_top=’30px’ custom_margin_bottom=’30px’ icon_select=’yes’ custom_icon_color=” icon=’ue808′ font=’entypo-fontello’ admin_preview_bg=”] [av_one_fifth first min_height=” vertical_alignment=” space=” custom_margin=” margin=’0px’ padding=’0px’ border=” border_color=” radius=’0px’ background_color=” src=” background_position=’top left’ background_repeat=’no-repeat’ animation=” mobile_breaking=” mobile_display=”] [av_font_icon icon=’ue80b’ font=’entypo-fontello’ style=” caption=” link=” linktarget=” size=’90px’ position=’center’ color=’#3a715c’ admin_preview_bg=”][/av_font_icon] [/av_one_fifth] [av_four_fifth min_height=” vertical_alignment=” space=” custom_margin=” margin=’0px’ padding=’0px’ border=” border_color=” radius=’0px’ background_color=” src=” background_position=’top left’ background_repeat=’no-repeat’ animation=” mobile_breaking=” mobile_display=”] [av_heading tag=’h3′ padding=’10’ heading=’Employer Partnership Program’ color=” style=’blockquote modern-quote’ custom_font=” size=’28’ subheading_active=” subheading_size=’15’ custom_class=” admin_preview_bg=” av-desktop-hide=” av-medium-hide=” av-small-hide=” av-mini-hide=” av-medium-font-size-title=” av-small-font-size-title=” av-mini-font-size-title=” av-medium-font-size=” av-small-font-size=” av-mini-font-size=”] Royal is offering first-time homebuyers a $100 credit* on their closing costs if they complete an online educational course offered by Fannie Mae®. The course explains a variety of mortgage topics, and the information applies to all home loans. Any first-time homebuyer, even those who don’t qualify for Fannie Mae® loans, can take advantage of this credit with Royal. Register for and complete the self-guided online course at https://www.fanniemae.com/education.[/av_heading] [av_textblock size=’16’ font_color=’custom’ color=” av-medium-font-size=” av-small-font-size=” av-mini-font-size=” admin_preview_bg=”] We partner with local organizations to provide their employees with discounts and special offers on our financial products and services! See if you’re eligible to receive exclusive employee benefits or learn more about how your organization can join the Employer Partnership program!
[/av_textblock] [av_codeblock wrapper_element=” wrapper_element_attributes=” codeblock_type=”] [/av_codeblock] [av_button label=’Learn More’ link=’manually,https://www.rcu.org/employer-offers/employer-partnerships’ link_target=’_blank’ size=’x-large’ position=’left’ icon_select=’no’ icon=’ue800′ font=’entypo-fontello’ color=’theme-color’ custom_bg=’#444444′ custom_font=’#ffffff’ admin_preview_bg=”] [/av_four_fifth] [av_hr class=’default’ height=’50’ shadow=’no-shadow’ position=’center’ custom_border=’av-border-thin’ custom_width=’50px’ custom_border_color=” custom_margin_top=’30px’ custom_margin_bottom=’30px’ icon_select=’yes’ custom_icon_color=” icon=’ue808′ font=’entypo-fontello’ admin_preview_bg=”] [av_one_fifth first min_height=” vertical_alignment=” space=” custom_margin=” margin=’0px’ padding=’0px’ border=” border_color=” radius=’0px’ background_color=” src=” background_position=’top left’ background_repeat=’no-repeat’ animation=” mobile_breaking=” mobile_display=”] [av_font_icon icon=’ue8a8′ font=’entypo-fontello’ style=” caption=” link=” linktarget=” size=’90px’ position=’center’ color=’#3a715c’ admin_preview_bg=”][/av_font_icon] [/av_one_fifth] [av_four_fifth min_height=” vertical_alignment=” space=” custom_margin=” margin=’0px’ padding=’0px’ border=” border_color=” radius=’0px’ background_color=” src=” background_position=’top left’ background_repeat=’no-repeat’ animation=” mobile_breaking=” mobile_display=”] [av_heading heading=’Offers, Promotions & Perks For Royal Members’ tag=’h3′ style=’blockquote modern-quote’ size=’28’ subheading_active=” subheading_size=’15’ padding=’10’ color=” custom_font=” av-medium-font-size-title=” av-small-font-size-title=” av-mini-font-size-title=” av-medium-font-size=” av-small-font-size=” av-mini-font-size=” admin_preview_bg=”] Royal is offering first-time homebuyers a $100 credit* on their closing costs if they complete an online educational course offered by Fannie Mae®. The course explains a variety of mortgage topics, and the information applies to all home loans. Any first-time homebuyer, even those who don’t qualify for Fannie Mae® loans, can take advantage of this credit with Royal. Register for and complete the self-guided online course at https://www.fanniemae.com/education.
[/av_heading] [av_textblock size=’16’ font_color=’custom’ color=” av-medium-font-size=” av-small-font-size=” av-mini-font-size=” admin_preview_bg=”] When you finance your home with Lake Area Mortgage, a division of Royal Credit Union, you become a Royal Member and are eligible for exclusive Member-only offers and promotions on various financial products and services!
[/av_textblock] [av_codeblock wrapper_element=” wrapper_element_attributes=” codeblock_type=”] [/av_codeblock] [av_button label=’View Current Offers’ link=’manually,https://www.rcu.org/royalty’ link_target=’_blank’ size=’x-large’ position=’left’ icon_select=’no’ icon=’ue800′ font=’entypo-fontello’ color=’theme-color’ custom_bg=’#444444′ custom_font=’#ffffff’ admin_preview_bg=”] [/av_four_fifth] [av_one_full first min_height=” vertical_alignment=” space=” custom_margin=” margin=’0px’ padding=’0px’ border=” border_color=” radius=’0px’ background_color=” src=” background_position=’top left’ background_repeat=’no-repeat’ animation=” mobile_breaking=” mobile_display=”] [av_codeblock wrapper_element=” wrapper_element_attributes=” codeblock_type=”] [/av_codeblock] [/av_one_full] [av_layout_row border=” min_height_percent=” min_height=’0′ color=’header_color’ mobile=’av-flex-cells’ id=” av_element_hidden_in_editor=’0′ mobile_breaking=”] [av_cell_two_third vertical_align=’middle’ padding=’30px,60px,30px,60px’ background_color=’#d4e1de’ src=” attachment=” attachment_size=” background_attachment=’scroll’ background_position=’top left’ background_repeat=’no-repeat’ mobile_display=”] [av_heading tag=’h3′ padding=’10’ heading=’Looking for more ways to save money on your mortgage closing costs?’ color=” style=’blockquote modern-quote’ custom_font=” size=’32’ subheading_active=’subheading_below’ subheading_size=’15’ custom_class=” admin_preview_bg=” av-desktop-hide=” av-medium-hide=” av-small-hide=” av-mini-hide=” av-medium-font-size-title=” av-small-font-size-title=” av-mini-font-size-title=” av-medium-font-size=” av-small-font-size=” av-mini-font-size=”] Contact a mortgage loan officer to explore other down payment and closing cost assistance programs that may be available to you.
[/av_heading] [/av_cell_two_third][av_cell_one_third vertical_align=’middle’ padding=’30px,60px,30px,60px’ background_color=’#d4e1de’ src=” attachment=” attachment_size=” background_attachment=’scroll’ background_position=’top left’ background_repeat=’no-repeat’ mobile_display=”] [av_button label=’Contact a Loan Officer’ link=’manually,https://lam.corephp.org/mortgage-loan-team/’ link_target=” size=’x-large’ position=’center’ icon_select=’no’ icon=’ue800′ font=’entypo-fontello’ color=’theme-color’ custom_bg=’#444444′ custom_font=’#ffffff’ admin_preview_bg=”] [/av_cell_one_third] [/av_layout_row] [av_one_full first min_height=” vertical_alignment=” space=” custom_margin=” margin=’0px’ padding=’0px’ border=” border_color=” radius=’0px’ background_color=” src=” background_position=’top left’ background_repeat=’no-repeat’ animation=” mobile_breaking=” mobile_display=”] [av_textblock size=’14’ font_color=” color=” av-medium-font-size=” av-small-font-size=” av-mini-font-size=” admin_preview_bg=”] This is not a commitment to lend or extend credit. Restrictions may apply. Rates may not be available at time of application. This is not an offer to enter a loan agreement at a specific rate. Information and/or data are subject to change without notice. All loans are subject to credit approval. Not all loans or products are available in all states. Lake Area Mortgage™ is a division of Royal Credit Union. 1200 County Road E. Ste 200, Arden Hills, MN 55112; NMLS# 543781, Equal Housing Opportunity.
*$500 off closing costs offer available for new Lake Area Mortgage home loans only. Redeem offer by presenting voucher to your mortgage loan representative. $500 offer valid on new mortgage applications received January 2-February 28, 2026. Offer cannot be applied to loan applications in process prior to 1/2/26 or on previously closed loans. Offer cannot be applied to refinance of existing Lake Area Mortgage home loans. Offer cannot be combined with any other promotions or discounts. Loans subject to credit approval. Equal Housing Opportunity.
**$100 first-time homebuyer credit off closing costs available for qualified first-time borrowers and first lien mortgage products only. Offer not valid on Home Equity Line of Credit products or any existing loans or applications in process with Royal or Lake Area Mortgage prior to 1/15/2020. To claim offer, complete HomeView course at https://www.fanniemae.com/education. and present course completion certificate before closing occurs; $100 credit off closing costs is applied at the time of closing. One offer may be redeemed per mortgage loan; offer cannot be combined with any other offers. Subject to termination at any time. Lake Area Mortgage, a division of Royal Credit Union, reserves the right to withhold credit if qualifications are not met based on Lake Area Mortgage’s sole discretion. Other conditions or restrictions may apply. Equal Housing Opportunity.
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