Refinance your mortgage or home equity loan, with $0 closing costs

This is a special $0 Closing Cost home equity and first mortgage refinance program, offered by North Shore Bank (Bank), up to 85% Loan-to Value (LTV), based on current property value. A fixed 5.499% 3 year annual percentage rate (APR) is available. For 86-100%LTV, add 1% to the above 3 year fixed rate. Rates offered for 1-4 family owner occupied properties in Bank lending area. Repayment term available up to 30 years; minimum monthly payment of $100 is required. Monthly payments based on the above rates are $5.68 up to 85% LTV; or $6.32 for 86-100%LTV requests respectively per $1,000 borrowed. Paying minimum monthly payments will result in a balloon payment due at maturity of the selected fixed rate term or the interest rate may be renegotiated with monthly payments then based on the remainder of the original loan repayment term. A $150 early prepayment fee applies during the first year. Valid with applications dated March 19, or later that close by May 17, 2008. Property, flood and title insurance may be required if applicable to the property and loan amount being financed. Subject to approval, credit and underwriting guidelines of Bank. Higher loan limits also available, but with closing costs of $115-$225, contact us for details.