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

Got mortgage questions? We've got answers!

During Mortgage Days, our friendly experts are ready to help you navigate your home-buying journey - whether you're a first-timer, dream home builder, or looking to refinance.

Skip the stress and book a chat with one of our loan officers (in person or by phone) at a time that works for you.

Mortgage Days Account Specials

1-Year ARM^Footnote 1

Take advantage of our limited-time special rate.
Contact us for details.
Free modification to a 5-Year ARM anytime
in the first 14 months

View Rates Find a Loan Officer

Construction Loan Special!²

Limited-time low 2-year rate. Contact us for details.

Find a Loan Officer

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

Buying Your First Home? We’re here to guide you! Get tips on saving for your down payment, pre-approval, loan rates, and more.
Upsizing or Downsizing? Let us help you transition with ease. Learn about buying before selling and estimate your monthly payments.
Found Your Dream Home? For homes over $806,500, consider our Jumbo Loans with fixed or adjustable rates—perfect for that extra “wow.”
Building Your Next Home? Discover the construction financing process and tools to calculate your future payments. Learn how we can help you realize your dream of building your own home.
Time to Refinance? With rates dropping, now’s the time! Use our Refinance Interest Savings Calculator or connect with a Mortgage Loan Officer to explore options.

Schedule an Appointment

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.

Getting Started is Easy

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 Apply for a 1/1 ARM loan by 2/28/2025 and have the option to modify to a 5/1 ARM at any time up to 14 months from the loan closing date. Existing portfolio loans refinancing to the special must refinance with at least $50,000 cash out to take advantage of the modification offer. Modification rates are based on the current rates available at the time of modification. Loan maturity will stay the same. Must have an acceptable payment history to qualify for the modification. This is not an offer of credit or commitment to lend. Loans are subject to buyer/property qualification. Contact a Mortgage Loan Officer for current rates.
2 Apply for a 2/1 ARM construction loan by 2/28/2025 to receive special rate. This is not an offer of credit or commitment to lend. Loans are subject to buyer/property qualification. Contact a Mortgage Loan Officer for rate and loan details.

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FAQs

Mortgage Application Checklist

Where can I find a listing of your Mortgage Loan Originators?

Contact a Mortgage Loan Officer

Apply for your mortgage loan.

What is the maximum mortgage amount I can apply for?

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

Mortgage Days Account Specials

1-Year ARMFootnote 1

Construction Loan Special!2

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

Tools to Help You Calculate Your Mortgage Payments

Getting Started is Easy

Apply for Your Mortgage

Meet with a Mortgage Loan Officer

Schedule an Appointment

FAQs

Can I be notified when mortgage or refinance rates change?

Do you have first-time homebuyer programs?

When will I receive a refund of my escrow overage?

What happens after I apply for a mortgage?

What’s the best term for a mortgage?

What kinds of mortgages does North Shore Bank offer?

Can you send a 10-day loan payoff quote to my bank or credit union?

Can I pay my own real estate taxes and homeowners insurance if my mortgage is through North Shore Bank?

When is my mortgage payment posted to my account?

Which Mortgage Loan is the Best: Adjustable or Fixed Rate?

What is a Mortgage Note?

How much will it cost me to refinance my first mortgage?

Why get a home equity line of credit with my mortgage?

What is a mortgage loan?

Do I need to send you a copy of my property tax bill for my mortgage?

Do I need to provide you with proof of my Homeowners Insurance?

Can I refinance my current mortgage?

Can I cancel or waive my escrow account?

Are there other products at North Shore Bank that can enhance my mortgage?

I received a check from my insurer covering the loss to my property, and it is payable to both the bank and me. What do I need to do next?

How can I get the best mortgage rate?

Why get pre-approved before shopping for a home?

How can I improve my chances of getting a mortgage?

Is it better to pay points for a lower rate?

What documents do I need to close on a mortgage?

Are there tips I can use for faster closing?

How are my property taxes paid?

Can I change insurance companies for my homeowner's policy? Do I need to notify you?

I had a fire loss (or other damage) to my property. What should I do?

What are my closing costs for my mortgage?

Do you offer VA or FHA loans?

Can I roll my closing cost fees into my loan?

What is an escrow account?

What is Freddie Mac?

What is the Truth-In-Lending Act?

What happens if I send in a mortgage payment that is less than the full monthly payment due?

What is an escrow analysis?

How is an escrow shortage collected?

1-Year ARM^Footnote 1

Construction Loan Special!²

Meet with a Mortgage
Loan Officer