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It's Mortgage Days, one of the best times to get into a new home

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Mortgage Days - Image
 
Now’s a great time to find answers to your mortgage questions. Whether you’re buying your first homebuilding the home of your dreams or refinancing to save money, we want to help you along the way. During Mortgage Days, learn more about our lending tools, resources, and expert assistance that’s second to none. Set aside time to meet with one of Mortgage Loan Officers who are available in person or by phone. Book a meeting time that works for you by calling or scheduling your appointment online.
 

Mortgage Days Account Specials

 
$2,000 Off Mortgage Closing CostsFootnote 1
Free Home AppraisalFootnote 2
Up to $585.
Home Equity Line of CreditFootnote 3
5.85% APR8.24% APR
Promotional rate through 5/31/2025Non-promotional  Variable Rate
Schedule an Appointment

We’re here for you on your home lending journey.


Tools to Help You Calculate Your Mortgage Payments

Because mortgage payments divide the cost of the mortgage into monthly chunks for the length of the loan, it can be hard to assess how much you'll end up paying in total for your home, and with interest, the amount you pay can be a lot more than you'd think. This calculator will help you see how much your home will actually cost you.

Enter the price of your home as the Home Price. Move the Down Payment slider to the down payment you paid or will pay for the home. Move the Loan Term slider to the length of your mortgage loan and the Interest Rate slider to the interest rate. If you'd like to adjust the amount you pay for home insurance, property tax, or change the PMI, select Advanced Options.
 
All loans are subject to program guidelines, buyer/property qualification, and approved credit. This is not an offer of credit or commitment to lend. Additional restrictions may apply.
 
1 $2,000 closing cost discount offer available for 5-Year Adjustable Rate Mortgage (ARM) loan applications completed through 2/29/2024 properties located in Wisconsin or Illinois. Cannot be combined with other offers.

2 Free Home Appraisal up to $585 available on mortgage applications taken 2/1/2024-2/29/2024 for properties located in Wisconsin or Illinois. Appraisal is a property valuation method acceptable for the mortgage product selected. Not available for 5-Year Adjustable Rate Mortgages, WHEDA, FHA, or VA. Additional restrictions may apply. Cannot be combined with other offers.

3 Apply by 4/30/2024. New Home Equity Line of Credit (HELOC) customers get 5.85% APR (Annual Percentage Rate) fixed rate through 5/31/2025. Existing HELOC customers can qualify for the promotional rate by applying to increase their current HELOC by at least $15,000 and drawing $15,000 at the time of loan closing. Auto-pay from North Shore Bank deposit account required to receive promotional rate. As of 1/17/2024, the non-promotional rate is 8.24% APR for a line more than $25,000 and assumes a no-closing-cost transaction with a loan-to-value not to exceed 80% and auto-pay from a North Shore Bank deposit account. This home equity line of credit is a variable-rate loan with a maximum rate of 19.90% APR and a minimum rate of 4.00% APR after the promotional rate expires. The variable rate is Wall Street Journal Prime rate plus a margin, depending on the loan amount, with a floor rate of 4.00%. Early termination fee applies. Homeowners insurance is required. Paying the minimum interest-only monthly payments will not repay the principal that is outstanding on your line; you will be required to pay the entire outstanding balance in a single payment (balloon payment) at the end of the initial 10-year loan term, at the end of any extensions or renewals granted by North Shore Bank, or when you terminate the line. A $60 annual fee may apply. Closing costs may be charged for loans exceeding $100,000. Subject to loan approval. For new Home Equity Lines of Credit only.
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Frequently Asked Questions