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Be 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.

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

 

 

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