Mortgage & Equity

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Apply for a Mortgage Loan with Shoreline Hometown Credit Union!

Mortgage & Equity

Fast, easy affordable loans. Our low-cost, convenient mortgage loans come with a variety of payment terms. It is easy to apply in person, online or by phone or mail. Shoreline offers low-cost loans with a variety of payment terms to fit your budget.

80 Year Anniversary Mortgage Loan Special!

To celebrate our 80 year anniversary, Shoreline Hometown Credit Union is excited to offer a 2.80% APR*  30-Year In-House Fixed-Rate Mortgage.  Check out this great Shoreline Hometown Credit Union opportunity that keeps more money in your pocket each month. How about a 30-year deal with a great interest rate? Apply online today to take advantage of this low loan rates. Applying online is quick and easy, go to Shoreline Hometown Credit Union, voted Best Credit Union on the Lakeshore in 2020.

Membership requirements apply. Loans subject to credit and collateral approval. Payment example effective 3/1/2020. Example: Interest Rate = 2.730%. Annual Percentage Rate (APR) = 2.80%. The listed APR is based on the borrower’s credit worthiness and the loan to value (LTV). A credit score of 720 or greater and 80% LTV was used for this example. With a loan amount of $100,000 and 30 year amortization, the monthly payment will be $407.18.This example does not include amounts for taxes and insurance premiums, if applicable, and that the actual payment obligation will be higher. Equal Housing Opportunity.

Mortgage Rates:

Closing costs used for a purchase assuming / A credit / <80% LTV / $100,000 loan amount.

Term Rate APR Monthly Payment
30 Year Fixed 2.730% 2.80% $407.18
20 Year Fixed 2.490% 2.59% $529.42
15 Year Fixed 1.990% 2.12% $643.05
10 Year Fixed 1.990% 2.07% $919.69

Second Mortgage Rates:

Closing Costs used for Second Mortgage Equity Loan / A Credit / <80% LTV / $50,000 loan amount.

Term Rate APR Monthly Payment
20 Year Fixed 3.125% 3.17% $560.88
15 Year Fixed 2.625% 2.68% $672.69
10 Year Fixed 2.625% 2.67% $948.39

Home Equity Line of Credit Rates

Establish a credit line with your home’s equity.

Loan-to-Value 740> Credit Grade* 739-680 Credit Grade* 679-640 Credit Grade*
80% or Less Prime Prime + .25 Prime + .50
80.01% – 89.99%+ Prime + 1.00 Prime + 1.25 Prime + 1.50

Options Include:

  • Purchases
  • Refinances
  • Pre-approvals
  • Low money down program
  • First and Second mortgages
  • Home equity loans Apply today*
  • 5, 7, 10, 13, 15, 20 and 30 year fixed-rate mortgages
  • Additional Mortgage Loan Products
    • VA Loans
    • USDA Loans 
    • WHEDA Loans
    • FHA Loans

Bring these items in when applying for a Mortgage

  • Two years employment history
  • Two years of federal income tax returns (W-2, I-9 and all schedules)
  • Two months of financial statements
  • One month of pay stubs
  • Child support or alimony received documentation
  • Pension, disability or Social Security income requires current awards letter and three months of payment proof
  • Copy of property data sheet and offer to purchase documents
  • If refinancing — a copy of the property tax bill, home owners insurance, current mortgage statement (HARP streamline refinances require original Note and HUD settlement statement)
  • Child support or alimony court order if paying
  • If divorced — copy of divorce decree.
Casey and I had the pleasure of working with Nicole, at Shoreline Hometown Credit Union, for our first mortgage loan. For something that we thought was going to be stressful and daunting, she really made it easy for us! Thank you Nicole!
Casey & Jill

Shoreline Lending Experts who can assist you with your loan requirements:


Nicole Hurlbert

NMLS ID 1121905/409479
[email protected]
3131 Mishicot Rd.
Two Rivers, WI 54241



Andrea Schmitt

NMLS ID 441422/409479
[email protected]
4400 Calumet Ave.
Manitowoc, WI 54220

Ryan Angst

NMLS ID 776482/409479
[email protected]
4400 Calumet Ave.
Manitowoc, WI 54220


Adria Pekarek

NMLS ID 2045751/409479
[email protected]
4400 Calumet Ave.
Manitowoc, WI 54220

Bank from home! For first available Hometown Lender, email us Here.

Membership requirements apply. Loans subject to credit and collateral approval. Equal Housing Opportunity. All rates subject to change. *FICO 08
Federally insured by NCUA.
All rates subject to change without notice. *FICO 08

Today's Rates (03.03.21)

Auto Loans

as low as 1.80% APR
The vehicle you want at payments you can afford. Same rates 1909-2021. Learn More

Saver's Sweepstakes®

.20% APY
Saver's Sweepstakes® is a new prize-linked savings account. Learn More

Mortgage Loans

as low as 1.990% APR
Our low-cost, mortgage loans come with a variety of payment terms. Learn More

Auto Loans

up to 90 days no pay
Enjoy no payments for 90 days. Learn More

Personal Loans

as low as 8.87 APR
Borrow with or without collateral for debt consolidation, a vacation, etc. Learn More