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Home Equity Line of Credit Calculator
Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
FAQs
North Shore Bank does offer home equity lines of credit for our customers to buy vehicles, consolidate bills, or pay off other debts. The first step is to apply online or call one of our Personal Bankers at an office near you.
If you would like to apply for a loan to refinance your current home equity line of credit, please complete an online application or call an office near you.
The rate for your Home Equity Line of Credit is based on the prime rate plus an established margin determined by your individual line of credit. The rate on your line of credit changes on the 1st day of the second month following any prime rate change. If your line of credit was opened prior to Jan. 1, 2006, it is based on the prime rate published in the Wall Street Journal Money Rates section on the third Tuesday of the month. If your line of credit was opened on or after Jan. 1, 2006, the rate on your line of credit will change when the prime rate changes in the Wall Street Journal.
An appraisal fee may be necessary, depending on the value and equity of the home.
An appraisal fee may be necessary, depending on the value and equity of the home.
Yes, we will pull a credit report to calculate the best option. Though a credit report is helpful in the decision-making process, it’s not the only record we review that determines decision.
You can apply for a car loan online, even if you have not found your dream vehicle. We will just need an approximate loan amount for your application.
Learn more about our auto loans or apply online.
You can set up bills to be automatically paid using Bill Pay.
Making bill payment fast, free, and (almost) fun!
Our free personal online bill pay service is available for all North Shore Bank checking customers who use Online Banking or the Mobile App that want to save the time, hassle and postage costs of paying bills by mail.
What's in it for you:
- Free personal online bill payment service
- Eliminates all or most check writing and saves you money on postage
- Pay anyone or any company, from the kid that mows your lawn to the utility company
- Eliminate more paper mail with eBills and eStatements
- You must have a North Shore Bank checking account and Online Banking or the Mobile App
- Take a tour of Bill Pay's benefits
To sign up for Bill Pay, simply log in to Online Banking or the Mobile App to get started
Yes, each request will be reviewed differently, decisions will be made based each loan itself (term, rate, value).
You can change your due date after you have satisfied the first payment of your loan contract. Please contact Customer Support at 877-672-2265 to get started.
Mortgage Loan
The option to change your due date is not available.
Home Equity Line of Credit (HELOC)
The option to change your due date is not available.
Mortgage Loan
1098's for the previous year are sent out in January. For a duplicate 1098, contact Customer Support at 877-672-2265.
Home Equity Line of Credit (HELOC)
Please contact Customer Support at 877-672-2265.
RV, Boat or Auto Loan
Loans that are not collateralized by real estate do not automatically receive a 1098. If you would like us to prepare a statement, please contact Customer Support at 877-672-2265.
Yes, anybody can pay off the loan, although the title rights and/or responsibilities are solely of the party listed on the title and loan, unless otherwise specified.
For loan payoff information please contact Customer Support at 877-672-2265.
Mortgage and Home Equity Line of Credit (HELOC)
Please send a written payoff request and a signed authorization. These requests can be faxed to: 262-787-5722. Mortgage and HELOC payoffs are generally quoted for a specific date.
Personal and Auto Loans
You may call Customer Support at 877-672-2265, and verbally authorize a payoff statement be sent to your financial institution. If the financial institution or insurance company is making the request, they must send a written payoff request with a signed customer authorization. These requests may be faxed to 262-787-5722. Quotes for consumer and auto loan payoffs are good for 10 days.
Obtaining a payoff amount for your RV or Boat loan can be found in Online Banking. It’s fast and easy!
- Log in to North Shore Bank Online Banking (web-based). If you’re not already enrolled, you’ll need your social security number, loan account number, date of birth and zip code.
Click on the three vertical dots alongside the blue “Pay” button
- Select “Account Information” from the option menu
- Look for the “Estimated PayOff Amount” field. NOTE: the payoff amount listed is only valid for that day.
- To pay off your loan on a future date, add the “Per Diem Interest” (Interest Per Day) amount to the Estimated PayOff Amount for each additional day (including the payoff date).
- You may provide the Estimated PayOff Amount to your dealer, financial institution or insurance company requesting the payoff.
You may also call Customer Support at 877-672-2265, and verbally authorize a payoff statement be sent to your financial institution. If a dealer, financial institution or insurance company is making the request, they must send a written payoff request with a signed customer authorization. These requests may be faxed to 262-787-5722. Quotes for boat and RV loan payoffs are good for 10 days.
Yes, you will receive any balance owed to you. Please contact Customer Support at 877-672-2265 to speak about your specific situation.
Consumer loans (RV, Boat or Auto) have a 10-day grace period.
Yes, we offer motorcycle loans. Apply for your motorcycle loan online today, the application is available 24/7. Or apply in person. You are always welcome to apply at one of our office locations.
North Shore Bank offers a wide variety of construction loans. View the Mortgage Home Loans that we offer.
North Shore Bank does offer home equity lines of credit for our customers to buy vehicles, consolidate bills, or pay off other debts. The first step is to apply online or call one of our Personal Bankers at an office near you.
We do not offer payday type loans.
Loan payments can be made online, at a Video Teller or branch office, by ACH, or by phone.
Online Payments
- Visit our Pay Your Loan service and follow the on-screen instructions. If you choose to set up a username and password, you will be able to access special features, such as the ability to set up recurring payments.
- Customers who have a North Shore Bank checking, savings or money market account can utilize Online Banking or the Mobile App to make a loan payment via account transfer.
Mailing Your Payment
When mailing your payment to the address below, please include your loan account number:
North Shore Bank
PO Box 8871
Carol Stream, IL 60197-8871
Automatic Payments (ACH)
To set up an automatic monthly transfer from your bank, download and complete the Automatic Payment form (Opens external PDF) and send to:
North Shore Bank
ATTN: ACH Department
15700 W. Bluemound Road
Brookfield, WI 53005
In-person/Over the Phone
Payments can be made Monday through Saturday at any of our offices or Video Tellers or on-demand by calling 877-672-2265.
- Payments made after 5:30pm CST Monday through Thursday will post the following business day
- Payments made after 5:30pm CST on Friday will post on Monday
- One time on-demand verbal loan/lease payment fee $10.00
- On-demand, pre-authorized loan/lease payment fee $5.00
Loan qualifications differ depending on which loan you are applying for. The best way to find out if you qualify for a loan is to apply.
To refinance, simply apply for a car loan online now. The online form is easy to complete, and one of our bankers will contact you after you submit your application. The best part is you can apply for your car loan anytime, anywhere.
Refinancing your auto loan may reduce your monthly payment and the amount of interest you’ll owe over the life of the loan.
Our auto loans come with the best terms – yours.
- Competitive rates with terms from 12-72 months
- No annual fees
- No application fees
- Convenient repayment options by transfer, ACH, and Bill Pay
Check out our auto rates and apply today. Or stop by or call your nearby branch.
If you would like to apply for a loan to refinance your current home equity line of credit, please complete an online application or call an office near you.
To check the status of a loan application please contact your Personal Banker or Loan Officer.
The rate for your Home Equity Line of Credit is based on the prime rate plus an established margin determined by your individual line of credit. The rate on your line of credit changes on the 1st day of the second month following any prime rate change. If your line of credit was opened prior to Jan. 1, 2006, it is based on the prime rate published in the Wall Street Journal Money Rates section on the third Tuesday of the month. If your line of credit was opened on or after Jan. 1, 2006, the rate on your line of credit will change when the prime rate changes in the Wall Street Journal.
In most cases we are able to respond to your loan application within the same business day.
10 business days after the payoff funds are received we will send the lien release or title for loans prior to 7/30/12. If the loan was made after 7/30/12, then the lien will be released electronically and the state will send you the title.
You can expect to receive these documents in the mail within about 30 days after paying off your loan.
If your loan is secured with real estate, a mortgage satisfaction document will be mailed directly to the Register of Deeds for the county in which the mortgage was filed. It may take up to three months for this document to be returned.
If your loan is secured by a vehicle, boat, or other titled collateral, a lien release will be mailed with your paid loan documents. Be sure not to discard or destroy this release, as you will need it to remove our lien.
Should you need a replacement lien release, a fee will be charged. For more information about lien releases, please contact Customer Support at 877-672-2265.
Please send loan payoff funds to:
Attn: Loan Payoff Dept
15700 W Bluemound Rd
Brookfield, WI 53005
Attn: Loan Payoff Dept.
15700 W Bluemound Rd
Brookfield, WI 53005
Attn: Loan Payoff Dept.
15700 W Bluemound Rd
Brookfield, WI 53005
You do not need to purchase your vehicle from a dealership. We finance private sales and would be happy to assist you.
Apply for your car loan today! The online form is easy to complete and one of our bankers will contact you after you submit your application. The best part is you can apply for your car loan anytime, anywhere.
Our auto loans come with the best terms – yours.
- Competitive rates with terms from 12-72 months
- No annual fees
- No application fees
- Convenient repayment options by transfer, ACH, and Bill Pay
Check out our auto rates and apply today. Or stop by or call your nearby branch.
There are several definitions of "good credit". If you have had credit difficulties in the past, the best way to find out if we can assist you is to apply for a loan.
Just visit our website to find North Shore Bank’s current auto loan rates.
We’d love to finance your next vehicle purchase. Apply online now. The form is easy to complete and one of our bankers will contact you after you submit your application. The best part is you can apply anytime from anywhere.
Our auto loans come with the best terms – yours.
- Competitive rates with terms from 12-72 months
- No annual fees
- No application fees
- Convenient repayment options by transfer, ACH, and Bill Pay
Check out our auto rates and apply today. Or stop by or call your nearby branch.
Depending on your credit profile will determine your interest rate. The better your credit the better your interest rate. North Shore Bank does not have risk based lending for non-business loans.
When you have an auto loan with North Shore Bank it is required that you carry full coverage that includes comprehensive and collision for the value of the loan.
Mortgage and Home Equity Line of Credit (HELOC)
Please contact Customer Support at 877-672-2265 to request the payoff amount for a Mortgage and Home Equity Line of Credit (HELOC).
Personal and Auto Loans
Please contact Customer Support at 877-672-2265 to request the payoff amount for a personal loan and auto loan.
RV and Boat Loans
Obtaining a payoff amount for your RV or Boat loan can be found in Online Banking. It’s fast and easy!
- Log in to North Shore Bank Online Banking (web-based). If you’re not already enrolled, you’ll need your social security number, loan account number, date of birth and zip code.
Click on the three vertical dots alongside the blue “Pay” button - Select “Account Information” from the option menu
- Look for the “Estimated PayOff Amount” field. NOTE: the payoff amount listed is only valid for that day.
- To pay off your loan on a future date, add the “Per Diem Interest” (Interest Per Day) amount to the Estimated PayOff Amount for each additional day (including the payoff date).
- You may provide the Estimated PayOff Amount to your dealer, financial institution or insurance company requesting the payoff.
You may also contact Customer Support at 877-672-2265 to request the loan payoff amount for a boat or RV loan.
To ensure we have all the information we need, please provide us with a copy of your insurance declaration page showing North Shore Bank as the mortgagee or loss payee.
Please verify the mortgagee clause is listed as follows:
North Shore Bank ISAOA
15700 W Bluemound Rd.
Brookfield, WI 53005
You can mail, fax or email your proof of insurance documents.
RV, Boat or Auto Loan
North Shore Bank
PO Box 390472
Minneapolis, MN 55439
Fax: 800-333-9960
Online: www.insuranceservicecenter.com
Mortgage Loan
North Shore Bank
P.O. Box 3287
Coppell, TX 75019
Fax: 781-236-6352
Home Equity Line of Credit (HELOC)
North Shore Bank
P.O. Box 3287
Coppell, TX 75019
Fax: 781-236-6352
Home Equity Line of Credit (HELOC)
The monthly payment due is interest only.
RV, Boat, Camper or Auto Loan
Your billing statement amount due may be less than your contractual amount because of past additional payments you have made. Your loan allows you the ability to pay your account ahead without a penalty.
For more details on how your payment is applied please contact Customer Support at 877-672-2265.
Mortgage Loan
Please contact Customer Support at 877-672-2265.
The monthly payment due is interest only.
RV, Boat, Camper or Auto Loan
Your billing statement amount due may be less than your contractual amount because of past additional payments you have made. Your loan allows you the ability to pay your account ahead without a penalty.
For more details on how your payment is applied please contact Customer Support at 877-672-2265.
Mortgage Loan
Please contact Customer Support at 877-672-2265.