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 | 2.875% | 2.98% | $548.36 |
| 15 Year Fixed | 2.590% | 2.72% | $671.03 |
| 10 Year Fixed | 2.375% | 2.45% | $937.03 |
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 | 3.500% | 3.54% | $579.96 |
| 15 Year Fixed | 3.250% | 3.30% | $702.67 |
| 10 Year Fixed | 3.000% | 3.05% | $965.61 |
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.
Shoreline Lending Experts who can assist you with your loan requirements:
Nicole Hurlbert
920-794-5503
NMLS ID 1121905/409479
HurlbertN@ShorelineCU.org
3131 Mishicot Rd.
Two Rivers, WI 54241
Andrea Schmitt
920-794-2115
NMLS ID 441422/409479
SchmittA@ShorelineCU.org
4400 Calumet Ave.
Manitowoc, WI 54220
Ryan Angst
920-482-3775
NMLS ID 776482/409479
AngstR@ShorelineCU.org
4400 Calumet Ave.
Manitowoc, WI 54220
Adria Pekarek
920-482-3706
NMLS ID 2045751/409479
PekarekA@ShorelineCU.org
4400 Calumet Ave.
Manitowoc, WI 54220
Bank from home! For first available Hometown Lender, email us Here.