Mortgage & Equity

Whether it’s your first home or you feel like an experienced pro, mortgages and mortgage options can be confusing. As your Hometown lender, we want to help you make the best decision for where you’re at in life.

To get started, please reach out to one of our experienced Mortgage Lending Officers listed below.

Apply Today!

Apply for a Mortgage Loan with Shoreline Hometown Credit Union!

Options Include:

  • Purchases
  • Refinances
  • Pre-approvals
  • Low money down program
  • Adjustable rate mortgages (ARMs)
  • First and Second mortgages
    • 5, 7, 10, 15, 20 and 30 year fixed-rate mortgages
  • Home equity loans 
  • 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 W-2s
  • One month of pay stubs
  • Child support or alimony received documentation
  • Pension, disability or Social Security income requires current awards letter
  • Signed offer to purchase documents (if Applicable)
  • If refinancing —home owners insurance, current mortgage 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:


Brittany Penkwitz

NMLS ID 1946784/409479
[email protected]
3131 Mishicot Rd.
Two Rivers, WI 54241
Book Appointment

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 (06.08.23)

Auto Loans

as low as* 5.24% APR
Affordable options for all. Same rate no matter the model year. Learn More

Hometown Cash Back Checking

up to* 5.00% APY
Earn a rebate of your average daily balance. Learn More

Mortgage Loans

as low as* 5.60% 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* 9.99% APR**
Borrow with or without collateral for debt consolidation, a vacation, etc. Learn More