Home Equity Line of Credit

Receive up to 80% of your home equity.

• Make home improvements.
• Pay for college tuition.
• Pay off credit card debt.
• Refinance your primary first mortgage loan.
• Use for what you want!

Who it's for:

What's in it for you:

• $0 closing costs for request of $5,000 - $100,000
• $0 annual fees (just ask how)!
• Enjoy a fully indexed interest rate as low as 4.00% APR, our best rate program.
• Reusable, so you can draw more money as you need it up to your credit limit.
• Interest may be tax-deductible (consult with your tax advisor.)
• Interest-only payments.
• The Value of Setting Up a Line of Credit.
  Home Equity Benefits

Additional benefits:

• Secure your best rate with a .50% rate discount, by selecting the automatic payment option tied to your North Shore Bank checking account.
• Option to convert to a fixed rate loan term from 12 - 120 months , with up to a 20 year repayment option. For current fixed rate and terms, please contact your nearest North Shore Bank office.
• If your line of credit is a North Shore Bank first lien position loan, refinance your first mortgage loan through your credit line with our lowest first lien fixed rate conversion loan terms of 3 or 5 years, with up to a 30 year repayment option; or ask about our low 10 year fixed rate and fully amortized loan. For current first lien conversion loan rates and terms, please contact your nearest North Shore Bank office.

What you should know:

• $5000 - $100,000 minimum/maximum credit line with $0 closing costs.
• Higher credit line limits available up to $250,000 at 80% or less of your homes current value with closing costs.
• View further details and disclosures on all our available line of credit loan programs.
• Your interest rate is based on equity of 80% or less of your homes current value; the amount of your credit line limit; and whether you have an automatic payment from a North Shore Bank checking account.
• Make sure to check out our best home equity line program.

It's easy to get started, so apply now.

It's easy to get started:

• Stop by your neighborhood North Shore Bank branch.
• Call our 24/7 loan application center at 800.292.9370.
• Apply online.