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.

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 3.250% 3.32% $435.21
20 Year Fixed 2.990% 3.09% $554.10
15 Year Fixed 2.500% 2.63% $666.79
10 Year Fixed 2.250% 2.33% $931.37

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 3.625% 3.67% $586.40
15 Year Fixed 3.125% 3.18% $696.61
10 Year Fixed 2.875% 2.92% $959.85

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
3131 Mishicot Rd.
Two Rivers, WI 54241



Andrea Schmitt

NMLS ID 441422/409479
4400 Calumet Ave.
Manitowoc, WI 54220

Ryan Angst

NMLS ID 776482/409479
4400 Calumet Ave.
Manitowoc, WI 54220


Adria Pekarek

NMLS ID 2045751/409479
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 (07.24.21)

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as low as 2.250% APR
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