ATM, Branch, & Video Teller Locations Customer Support Careers LOGIN PERSONAL BUSINESS INVESTMENTS/RETIREMENT LEARNING CENTER ABOUT US Mortgage Refinance Is now the right time to refinance your mortgage? Let's take a look at your options. Your home is likely your most significant financial responsibility. From time-to-time, it's wise to periodically revisit your mortgage financing and consider options that may save you money or provide other benefits. Just as mortgage interest rates fluctuate, loan programs can also change. As your financial situation evolves, the best lending option for you today might be different than when you first purchased your home. Before you refinance your home loan, research current rates and see how much you can save with our Refinance Interest Savings Calculator. Meet with a Mortgage Loan Officer in your area to explore your options and find out when to refinance your mortgage. Refinance Interest Savings Calculator How much interest can you save if you refinance your mortgage? This mortgage refinance calculator will help you find out! Enter the specifics about your current mortgage, along with your current appraised value, new loan term, rate and closing costs. This will determine how much interest refinancing can save you. In addition, it will calculate the number of months to breakeven on closing costs with your reduced monthly payment. Take a closer look at our Refinance Interest Savings Calculator When it comes to home refinance, you have options. Mortgage Loan Products Fixed Rate Mortgage – Find peace of mind knowing that your principal and interest payments will stay the same because the rate and term are locked for the life of your loan. Adjustable Rate Mortgages (ARM) - Reduce your monthly principal and interest payment for the initial period of the loan (1, 2, 3, or 5 years) with an Adjustable Rate Mortgage. Often more flexible, an ARM can be a good option if you have unique income or asset situations when it comes to loan approval. Why Every Homeowner Needs a HELOC If there’s one thing of which homeowners can be sure, it’s that owning a home comes with unexpected expenses – and that those expenses often come up at the most inopportune times. A roof leaks, a water heater blows or the furnace fails on the coldest day of the year … or just in advance of when the in-laws are expected to arrive. FIND OUT MORE APPLY ONLINE SCHEDULE AN APPOINTMENT VIEW MORTGAGE INTEREST RATES GET PRE-APPROVED/APPLY CONTACT A MORTGAGE LOAN OFFICER Personal Banking Personal Online Banking Login Personal Checking Accounts Personal Savings Accounts Mortgages & Home Lending Loans & Home Equity Lines of Credit Payment Cards Online Services Business Banking Business Online Banking Login Business Checking Accounts Business Savings Accounts Business Leasing Business Loans Business Payment Cards Business Online Services Investments/Retirement Investment Resources Section 457 & Deferred Compensation About North Shore Bank Customer Support Privacy Security © 2021 North Shore Bank Member FDIC | Equal Housing Lender Routing Number: 275071356 Customer Support: 877-672-2265 Privacy Security Accessibility Statement Open Your Account Site Map We value your privacy. We use cookies to optimize functionality, protect against fraud and other security risks, help us understand how our websites are used and provide you with interest-based content or advertising as described in our Privacy Policy. By remaining on this website you indicate your consent.