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Preferred Lender

Experience the Advantage of a Top-Tier Lender

Dale Hamill has distinguished himself as a premier choice for borrowers, earning a place as a 2025 Scotsman Guide Winner. This prestigious recognition is backed by an incredible track record of success, ranking Dale in the top 1% in the nation for loan volume. With a total closed volume of $82,313,164 in 2025, Dale brings a wealth of experience and financial expertise to every transaction. By closing 242 loans in a single year, he has demonstrated the efficiency and reliability needed to help you navigate the complexities of the mortgage process.

$82M+

2025 Closed Volume

Ranked 1%

In the Nation by Volume

242+

Loans Closed

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Meet Dale Hamill

Mortgage Loan Officer

I treat every client as family. But even if you and I have never met, you can expect that same level of attention. It’s how I do business.

NMLS ID# 161811
Direct Phone: (616) 234-6334
Cell Phone: (616) 299-2129
Email: [email protected]

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We offer a wide variety of unique mortgages

  • Conventional fixed rate mortgage
  • Adjustable rate mortgage (ARM)
  • FHA Loans
  • Purchase/Refinance
  • Rural Housing Loan
  • Construction, Vacant Land & Renovation
  • SmartMove Mortgage
  • Community Edge Mortgage
  • VA Home Loan
  • Doctor Mortgage
  • Jumbo Loan
  • Bridge Loan

I'll guide you through every step and get you to closing on or before your contract date.

LMCU helped over 8,000 families move into a new home last year. Will you be next?

There's a reason more homebuyers trust LMCU with their mortgage: with low rates, low closing costs, and low down payments - plus a highly rated team of industry experts we make buying or building your new home simpler, more affordable, and more personal. I'd love to hear your story firsthand and answer all your questions, so we can find a mortgage that's right for you.

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Why buy or build with LMCU?

  • #3 credit union mortgage originator in the nation.
  • 94% of LMCU members were satisfied with the service they received from their loan officer.
  • Our mortgage team has a 4.95-star rating on Zillow for responsiveness, knowledge, helpfulness, & follow-through.
  • We have 71 convenient branches across Michigan and Florida. We service over 79,000 loans and we're still growing.

Reach out to me, and we'll take the first step together.

Why Buy Your Home with A Credit Union?

At Lake Michigan Credit Union, you're not just a customer—you're a member. And that changes everything about how we help you get home.

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Lower rates. More savings.

As a not-for-profit, member-owned institution, LMCU doesn't answer to shareholdersWe answer to youThat means we can offer lower rates and fees on mortgages, so more of your money stays where it belongs: in your pocket.

We handle it all, right here.

From processing to underwriting to servicing your loan, we keep everything in-houseThat means faster decisions, fewer delays, and a team that knows your file from start to finish and beyond closing day.

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Flexible Programs for Real Life

We offer unique mortgage solutions built around your situation—not a one-size-fits-all formulaWhether you need a low down payment, down payment assistance, or a specialized program, we have options designed to get you into your home.

  • Low down payment options
  • LMCU down payment assistance funds
  • Partnerships with federal agencies for additional down payment help
  • Programs tailored to your unique financial picture
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Service that feels personal

The best loan officers aren't just "number" peopleThey're the kind of people you call when you're not sure what question to askAt LMCU, our loan officers take the time to understand your goals and guide you through every step with expert advice, local knowledge, and genuine care for what's best for you.

LMCU is one of the largest credit unions in the countryThis means you get the heart of a credit union with the resources of a major financial institutionThat's the best of both worlds.

Mortgage Products

LMCU offers a broad base of programs designed to fit virtually any client's needs

  • Interest rate fixed for the life of the loan
  • Variety of terms available
  • Primary residence or second home financing up to $2.5 million
  • Second home financing up to $2 million
  • Down payments as low as 5%
  • Designed for physicians, dentists and orthodontists
  • Down payments as low as 0%
  • Deferred student loan debt is not included in calculations
  • Low fixed and adjustable rates
  • New construction down payment as low as 15%
  • One-time close minimizes costs to you
  • Streamlined builder activation
  • Low down payment
  • Expanded qualifying ratios
  • Fixed rate for life of loan
  • 0% down for qualifying veterans with sufficient VA entitlement
  • Convenient, low cost way to make repairs and renovations to a purchase or refi of existing home
  • Funds available for up to 75% of home's post-renovation value
  • 10% down vacant land loan
  • Loan amounts up to 500,000
  • Designed for educators, first responders, medical, military, and government employees
  • Only 3% down payment
  • $500 off closing costs
  • 0% down for low to moderate income buyers
  • For designated rural areas only
  • Construction options available
  • 0% down when purchasing in designated census tracts*
  • No mortgage insurance require

Work With Jennifer

Real estate in the Key Colony Beach requires more than just market data—it demands true insider expertise. As a full-time resident and community leader, I provide the hyper-local knowledge, global marketing reach, and absolute discretion needed to successfully navigate our unique luxury waterfront market. Let’s collaborate on your next move.

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