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Mortgage & Equity

Fast, easy affordable loans. Our low-cost, convenient mortgage loans come with a variety of payment terms.

It is easy to apply in person, online or by phone or mail. Shoreline offers low-cost loans with a variety of payment terms to fit your budget.

Mortgage loans 



If you are buying a home or refinancing your current home loan, you are sure to find a mortgage or home equity loan that is right for you at Shoreline Credit Union. 

 $10 Million Mortgage Loan Sale! 

Affordable mortgages in your Hometown! 

Looking for that first home? Or a refinance?

Shoreline Hometown Credit Union has set aside 10 million dollars to make it easier and more affordable for you to own a home. Rates are as low as 3.24% for 63 months plus there is a quarter percent rebate available!

We have competitive rates and flexible terms to help keep your payments affordable. Become a member and apply for a loan online. You can also call or visit our convenient locations in Two Rivers or Manitowoc.

*Membership requirements apply. Loans subject to credit and collateral approval. Payment example effective 6/13/2019. Example: *Membership requirements apply. Loans subject to credit and collateral approval. Payment example effective 6/13/2019. Example: Interest Rate = 3.24% Annual Percentage Rate (APR) = 4.087%. The listed APR is based on the borrower’s credit worthiness and the loan to value (LTV). A credit score of 720 or greater and 80% LTV was used for this example. With a loan amount of $100,000, 5.25 year term and 360 month amortization, the monthly payment will be $434.66. Adjustable-Rate Mortgages (ARMs) begin with a fixed interest rate and then adjust up or down after the initial term. Additionally, may qualify for Hometown Loan Rebate Program. Equal Housing Opportunity

Lucky 13 Mortgage Loan

Pay off your Home Loan faster!

Heard about that 10-year mortgage offer from a large financial institution? 

Maybe you should check out a great Shoreline Credit Union Hometown opportunity that keeps more money in your pocket while you pay your house off faster. How about a 13-year deal with a great interest rate?

Instead of a 10-year term, Lucky 13 saves over $158 a month on your monthly payment based on a typical $100,000 mortgage.

Apply today. Call 920-482-3700 to see if the Shoreline's Lucky 13 Mortgage works for you and to obtain additional details about credit costs and terms.

Membership requirements apply. Loans subject to credit and collateral approval. Example: Interest Rate = 4.74%. Annual Percentage Rate (APR) = 4.860%.The listed APR is based on the borrower’s credit worthiness and the loan to value (LTV). A credit score of 720 or greater and 80% LTV was used for this example. With a loan amount of $100,000 and 13 year amortization, the monthly payment will be $859.91. This example does not include amounts for taxes and insurance premiums, if applicable, and that the actual payment obligation will be higher. Relationship discount may apply.
Equal Housing Opportunity. Shoreline Credit Union is federally insured by  NCUA.


Home Equity Loans and Lines of Credit! 

Which is right for you?

Buy what you need or consolidate your bills with this flexible Home Equity Loan or Line of Credit from Shoreline Hometown Credit Union.

Here is why a Shoreline Home Equity Loan or Line of Credit is right for you:

  • Competitive, low interest rates.*
  • No application fees.
  • No annual fee..
  • Apply once and your approved line of credit is available for a 10-year draw period.**
  • Minimum payment during draw period is $75 or 1½% of principal balance, whichever is greater.
  • 20-year fully amortized repayment period after draw period ends.
  • Debt Protection may be available (life, disability and involuntary unemployment).See your Shoreline mortgage lender for further details.

Approval is fast and easy! See your Shoreline Mortgage Lender today! 

*Variable interest rate is based on the Prime Rate. See mortgage lender for details. **Minimum line of credit amount of $5,000. Maximum line of credit amount of $250,000. $1,000 minimum initial draw.
Equal Housing Opportunity. Line of credit is subject to credit approval. Variable interest rate is subject to your loan-to-value and credit score. Interest may be tax deductible. Consult your tax advisor.


Hometown Loan Rebate Program

Earn cash back to your loan! 

Personalized hometown service is a major benefit of banking at Shoreline Credit Union. Earn 0.25% cash back to your mortgage or consumer loan by completing these steps.

Here is how you qualify*:

  • Direct Deposits totaling $500 per month**
  • Register for Online Banking and eStatements 
  • Having either a Hometown Credit Card or Platinum Credit Card on your account
*Consumer and mortgage loans or lines of credit opened after 9/30/2018 are eligible for the program. If you meet the monthly qualifying requirements, 0.25% of your average daily balance over the preceding month will be posted to your loan. All requirements must be completed under the same member number. Credit cards are excluded from receiving a cash back rebate. Loans and credit cards are subject to credit and collateral approval. **Direct Deposits will include credits that are directly deposited into your Shoreline Credit Union account and may include payroll and other ACH entries.

Membership requirements apply. Equal Housing Opportunity. Federally insured by NCUA. 



 Get the facts about your Credit Score

Options include:

  • Purchases
  • Refinances
  • Pre-approvals
  • Low money down program
  • First and Second mortgages
  • Home equity loans Apply today*
  • 5, 7, 10, 13, 15, 20 and 30 year fixed-rate mortgages

Bring these items in when applying for a Mortgage

  • Two years employment history
  • Two years of federal income tax returns (W-2, I-9 and all schedules)
  • Two months of financial statements
  • One month of pay stubs
  • Child support or alimony received documentation
  • Pension, disability or Social Security income requires current awards letter and three months of payment proof
  • Copy of property data sheet and offer to purchase documents
  • If refinancing — a copy of the property tax bill, home owners insurance, current mortgage statement (HARP streamline refinances require original Note and HUD settlement statement)
  • Child support or alimony court order if paying
  • If divorced — copy of divorce decree

If you are interested in a home loan with a low rate, contact us to schedule an appointment.


Shoreline Lending Experts who can assist you with your loan requirements:

Bank from home! For first available Hometown Lender, email us Here


Nicole Hurlbert


NMLS ID 1121905/409479

[email protected]

3131 Mishicot Rd.

Two Rivers


Andrea Schmitt

NMLS ID 441422/409479

[email protected]

3131 Mishicot Rd.

Two Rivers




Home Equity Line of Credit Rates

80% Loan-to-Value or Less
80.01% - 89.99%+
Credit Grade*
Prime + 1.00
Credit Grade*
Prime + .25
Prime + 1.25
Credit Grade*
Prime + .50
Prime + 1.50
* FICO 08

Now leaving Shoreline Credit Union

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