Steven Luebke

Frequently Asked Questions

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

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

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

What kinds of mortgages does North Shore Bank offer?

What is a mortgage loan?

Do you have first-time homebuyer programs?

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?

Contact a Mortgage Loan Officer

Can I refinance my current mortgage?

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

Can I cancel or waive my escrow account?

Can I be notified when mortgage/refinance rates change?

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?

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

What’s the best term for a mortgage?

Is it better to pay points for a lower rate?

What happens after I apply for a mortgage?

What documents do I need to close on a mortgage?

Are there tips I can use for faster closing?

Apply for your mortgage loan.

What is the maximum mortgage amount I can apply for?

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?

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

What are my closing costs for my mortgage?

What is a Mortgage Note?

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?

When is my mortgage payment posted to my account?

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?

When will I receive a refund of my escrow overage?