Fixed & Adjustable Rate Mortgages Apply For Your MortgageBe confident about financing your home, whether you are buying new or refinancing an existing home, our experienced Loan Originators will work with you to help you make a decision about which loan is best for you. Features & Benefits Fixed Rate Mortgages Freedom to choose your own term - standard 10, 15, 20, and 30-year fixed rate repayment terms or other customized terms Lock in rate at time of application or loan approval Choose from several loan types: Conventional WHEDA Jumbo Federal Veterans' Affairs (VA Additional loan and rate details Adjustable Rate Mortgages Up to 95% loan-to-value (LTV) available for purchasing a new home Up to 90% LTV for the construction of a new home Maximum 2% annual and 6% lifetime interest-rate-adjustment caps. ARMs usually provide an initial fixed rate term of 1, 2, 3 or 5 years and can be used to finance the purchase or construction of a new home, second home, investment property, or to refinance your existing home All loan servicing is done locally at North Shore Bank Additional loan and rate details Mortgage Calculators Maximum Mortgage Calculator Rent vs Buy Calculator Adjustable Rate vs Fixed Rate Loan Calculator Additional Mortgage and Loan Calculators Mortgage Application Checklist EMPLOYMENT HISTORY Names and addresses of employers for the last 2 years Social Security numbers Paystub for most recent full month with year-to-date earnings Past 2 years W-2 form(s) and complete 1040 Federal Tax returns Past 2 years of partnership 1065 tax returns (if applicable) Past 2 years of corporation 1120 or 1120S Federal Tax forms (if applicable) ASSETS AND LIABILITIES Last 2 months statements for checking/savings, 401(k), money markets, etc. Documentation for any recent large deposits in accounts Most recent statement for current mortgages (if applicable) SPECIAL SITUATIONS (if applicable) Bankruptcy papers (petition, discharge and schedules, letter of explanation) Final divorce judgment and marital settlement agreement Judgment or lien on your assets Child support history showing no arrearage Letter of explanation regarding all late payments and recent inquiries Current Interest Rates Still have questions? Contact us with additional questions: Email | 877-672-2265