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Shore United Bank
| Term | Value | Source |
|---|---|---|
| Opening conditions | All loans are subject to credit approval, and the borrower must maintain insurance on the property securing credit.Shore United Bank, National Association · Page Capture Oct 5, 2026 · Captured Oct 5, 2026 | Website |
| Opening conditions | A variable rate equal to NY Prime Rate as published in the Wall Street Journal, 7.00% Annual Percentage Rate (APR) effective 9/17/26. (The maximum APR is 24%). A 10-year draw period with interest-only repayment during draw period (optional). Followed by 20-year repayment period with a minimum monthly payment equal to 0.42% of principal balance plus accrued interest or $100, whichever is greater. Available to primary and secondary residences only. Maximum LTV is 85%. Closing costs: Fees and charges generally associated with a HELOC total between $549.00 - $3,539.00. Shore United Bank will provide a closing cost credit to cover total closing costs up to $2,000.00. If your closing costs exceed $2,000 you will have the option of paying directly or from an initial draw against the line. Any third-party fees paid on your behalf will be required to be reimbursed in the event the loan is paid off and closed within 36 months of the loan date. We are happy to provide an itemized statement of fees upon request. Borrower must maintain insurance on the property securing the credit.Shore United Bank, National Association · Page Capture Oct 5, 2026 · Captured Oct 5, 2026 | Website |
| Loan amount | Not disclosed | |
| Loan term | Not disclosedShore United Bank, National Association · Page Capture Oct 5, 2026 · Captured Oct 5, 2026 | Website |
| Collateral | Real estateShore United Bank, National Association · Page Capture Oct 5, 2026 · Captured Oct 5, 2026 | Website |
| Prepayment penalty | Not disclosedShore United Bank, National Association · Page Capture Oct 5, 2026 · Captured Oct 5, 2026 | Website |
| Maximum loan to value | 85%Shore United Bank, National Association · Page Capture Oct 5, 2026 · Captured Oct 5, 2026 | Website |
| Draw period | 120 monthsShore United Bank, National Association · Page Capture Oct 5, 2026 · Captured Oct 5, 2026 | Website |
| Repayment period | 240 monthsShore United Bank, National Association · Page Capture Oct 5, 2026 · Captured Oct 5, 2026 | Website |
| Rate floor | Not disclosed | |
| Rate cap | 24%Shore United Bank, National Association · Page Capture Oct 5, 2026 · Captured Oct 5, 2026 | Website |
| Draw APRA variable rate equal to NY Prime Rate as published in the Wall Street Journal, 7.00% Annual Percentage Rate (APR) effective 9/17/26. (The maximum APR is 24%). A 10-year draw period with interest-only repayment during draw period (optional). Followed by 20-year repayment period with a minimum monthly payment equal to 0.42% of principal balance plus accrued interest or $100, whichever is greater. Available to primary and secondary residences only. Maximum LTV is 85%. Closing costs: Fees and charges generally associated with a HELOC total between $549.00 - $3,539.00. Shore United Bank will provide a closing cost credit to cover total closing costs up to $2,000.00. If your closing costs exceed $2,000 you will have the option of paying directly or from an initial draw against the line. Any third-party fees paid on your behalf will be required to be reimbursed in the event the loan is paid off and closed within 36 months of the loan date. We are happy to provide an itemized statement of fees upon request. Borrower must maintain insurance on the property securing the credit. All loans are subject to credit approval, and the borrower must maintain insurance on the property securing credit. | 7%Shore United Bank, National Association · Stated In Document Sep 17, 2026 · Captured Oct 5, 2026 | Website |
| Access to fundsStart Unlocking Your Home's Potential Today A Home Equity Line of Credit (HELOC) from Shore United Bank gives you the flexibility and control to manage your finances on your terms. Speak with a local lending expert or apply online to get started! Why Choose a HELOC from Shore United Bank? Ongoing access to funds - Borrow only what you need, when you need it. Convenient Access - Withdraw via Online Banking , Mobile Banking , checks, or at any Shore United Bank branch Smart Ways to Use Your HELOC: Home Renovations & Repairs College Tuition & Education Expenses Consolidating High-Interest Debt Major Purchases or Unexpected Events Dream Vacation or Special Events Start Unlocking Your Home's Potential Today A HELOC from Shore United Bank gives you the flexibility and control to manage your finances on your terms. Speak with a local lending expert or apply online to get started. Online Banking: https://www.shoreunitedbank.com/personal/digital/online-banking Mobile Banking: https://www.shoreunitedbank.com/personal/digital/mobile-banking Shore United Bank branch: https://www.shoreunitedbank.com/branch-locations/locations-and-atms Apply for a Home Equity Loan: https://shoreunitedbank.mortgagewebcenter.com/responsive/#/ApplyNow The shared application destination is not qualified as this HELOC application; no application action is published. | WithheldShore United Bank, National Association · Page Capture Oct 5, 2026 · Captured Oct 5, 2026 | Website |
| APRCompetitive Variable Interest Rates - Based on the Prime Rate Published in the Wall Street Journal A variable rate equal to NY Prime Rate as published in the Wall Street Journal, 7.00% Annual Percentage Rate (APR) effective 9/17/26. (The maximum APR is 24%). A 10-year draw period with interest-only repayment during draw period (optional). Followed by 20-year repayment period with a minimum monthly payment equal to 0.42% of principal balance plus accrued interest or $100, whichever is greater. Available to primary and secondary residences only. Maximum LTV is 85%. Closing costs: Fees and charges generally associated with a HELOC total between $549.00 - $3,539.00. Shore United Bank will provide a closing cost credit to cover total closing costs up to $2,000.00. If your closing costs exceed $2,000 you will have the option of paying directly or from an initial draw against the line. Any third-party fees paid on your behalf will be required to be reimbursed in the event the loan is paid off and closed within 36 months of the loan date. We are happy to provide an itemized statement of fees upon request. Borrower must maintain insurance on the property securing the credit. Fixed-Rate Conversion Available - Convert a portion of your HELOC into a fixed-rate, fixed-term loan for added predictability Minimum Fixed Rate Conversion loan amount is $1,000. Interest rate will be determined at time of conversion and shall be a fixed rate equal to WSJ Prime + .50% for a term up to 5 years or WSJ Prime + 1.0% for a term greater than 5 years up to 10 years. | WithheldShore United Bank, National Association · Page Capture Oct 5, 2026 · Captured Oct 5, 2026 | Website |
| Closing feeUp to $2,000 in Closing Cost Credits - Save on upfront expenses A variable rate equal to NY Prime Rate as published in the Wall Street Journal, 7.00% Annual Percentage Rate (APR) effective 9/17/26. (The maximum APR is 24%). A 10-year draw period with interest-only repayment during draw period (optional). Followed by 20-year repayment period with a minimum monthly payment equal to 0.42% of principal balance plus accrued interest or $100, whichever is greater. Available to primary and secondary residences only. Maximum LTV is 85%. Closing costs: Fees and charges generally associated with a HELOC total between $549.00 - $3,539.00. Shore United Bank will provide a closing cost credit to cover total closing costs up to $2,000.00. If your closing costs exceed $2,000 you will have the option of paying directly or from an initial draw against the line. Any third-party fees paid on your behalf will be required to be reimbursed in the event the loan is paid off and closed within 36 months of the loan date. We are happy to provide an itemized statement of fees upon request. Borrower must maintain insurance on the property securing the credit. | WithheldShore United Bank, National Association · Page Capture Oct 5, 2026 · Captured Oct 5, 2026 | Website |
| loan_termHow does a HELOC Work? Apply & Get Approved - Your borrowing limit is determined based on your home's equity and other financial factors Use Funds as Needed - Draw from your available credit line anytime during your 10-year borrowing period Repay & Reuse - After you repay the funds, your available credit line is replenished Enter the repayment phase - After the draw period, you'll make principal and interest payments over a 20-year repayment term | WithheldShore United Bank, National Association · Page Capture Oct 5, 2026 · Captured Oct 5, 2026 | Website |
| draw_periodInterest-Only Payment Option - Lower your payments during the draw period - Draw from your available credit line anytime during your 10-year borrowing period A variable rate equal to NY Prime Rate as published in the Wall Street Journal, 7.00% Annual Percentage Rate (APR) effective 9/17/26. (The maximum APR is 24%). A 10-year draw period with interest-only repayment during draw period (optional). Followed by 20-year repayment period with a minimum monthly payment equal to 0.42% of principal balance plus accrued interest or $100, whichever is greater. Available to primary and secondary residences only. Maximum LTV is 85%. Closing costs: Fees and charges generally associated with a HELOC total between $549.00 - $3,539.00. Shore United Bank will provide a closing cost credit to cover total closing costs up to $2,000.00. If your closing costs exceed $2,000 you will have the option of paying directly or from an initial draw against the line. Any third-party fees paid on your behalf will be required to be reimbursed in the event the loan is paid off and closed within 36 months of the loan date. We are happy to provide an itemized statement of fees upon request. Borrower must maintain insurance on the property securing the credit. | WithheldShore United Bank, National Association · Page Capture Oct 5, 2026 · Captured Oct 5, 2026 | Website |
| repayment_period - After the draw period, you'll make principal and interest payments over a 20-year repayment term A variable rate equal to NY Prime Rate as published in the Wall Street Journal, 7.00% Annual Percentage Rate (APR) effective 9/17/26. (The maximum APR is 24%). A 10-year draw period with interest-only repayment during draw period (optional). Followed by 20-year repayment period with a minimum monthly payment equal to 0.42% of principal balance plus accrued interest or $100, whichever is greater. Available to primary and secondary residences only. Maximum LTV is 85%. Closing costs: Fees and charges generally associated with a HELOC total between $549.00 - $3,539.00. Shore United Bank will provide a closing cost credit to cover total closing costs up to $2,000.00. If your closing costs exceed $2,000 you will have the option of paying directly or from an initial draw against the line. Any third-party fees paid on your behalf will be required to be reimbursed in the event the loan is paid off and closed within 36 months of the loan date. We are happy to provide an itemized statement of fees upon request. Borrower must maintain insurance on the property securing the credit. | WithheldShore United Bank, National Association · Page Capture Oct 5, 2026 · Captured Oct 5, 2026 | Website |
| collateral_typeA variable rate equal to NY Prime Rate as published in the Wall Street Journal, 7.00% Annual Percentage Rate (APR) effective 9/17/26. (The maximum APR is 24%). A 10-year draw period with interest-only repayment during draw period (optional). Followed by 20-year repayment period with a minimum monthly payment equal to 0.42% of principal balance plus accrued interest or $100, whichever is greater. Available to primary and secondary residences only. Maximum LTV is 85%. Closing costs: Fees and charges generally associated with a HELOC total between $549.00 - $3,539.00. Shore United Bank will provide a closing cost credit to cover total closing costs up to $2,000.00. If your closing costs exceed $2,000 you will have the option of paying directly or from an initial draw against the line. Any third-party fees paid on your behalf will be required to be reimbursed in the event the loan is paid off and closed within 36 months of the loan date. We are happy to provide an itemized statement of fees upon request. Borrower must maintain insurance on the property securing the credit. | WithheldShore United Bank, National Association · Page Capture Oct 5, 2026 · Captured Oct 5, 2026 | Website |
| Loan-to-value conditionsA variable rate equal to NY Prime Rate as published in the Wall Street Journal, 7.00% Annual Percentage Rate (APR) effective 9/17/26. (The maximum APR is 24%). A 10-year draw period with interest-only repayment during draw period (optional). Followed by 20-year repayment period with a minimum monthly payment equal to 0.42% of principal balance plus accrued interest or $100, whichever is greater. Available to primary and secondary residences only. Maximum LTV is 85%. Closing costs: Fees and charges generally associated with a HELOC total between $549.00 - $3,539.00. Shore United Bank will provide a closing cost credit to cover total closing costs up to $2,000.00. If your closing costs exceed $2,000 you will have the option of paying directly or from an initial draw against the line. Any third-party fees paid on your behalf will be required to be reimbursed in the event the loan is paid off and closed within 36 months of the loan date. We are happy to provide an itemized statement of fees upon request. Borrower must maintain insurance on the property securing the credit. | WithheldShore United Bank, National Association · Page Capture Oct 5, 2026 · Captured Oct 5, 2026 | Website |
| rate_capA variable rate equal to NY Prime Rate as published in the Wall Street Journal, 7.00% Annual Percentage Rate (APR) effective 9/17/26. (The maximum APR is 24%). A 10-year draw period with interest-only repayment during draw period (optional). Followed by 20-year repayment period with a minimum monthly payment equal to 0.42% of principal balance plus accrued interest or $100, whichever is greater. Available to primary and secondary residences only. Maximum LTV is 85%. Closing costs: Fees and charges generally associated with a HELOC total between $549.00 - $3,539.00. Shore United Bank will provide a closing cost credit to cover total closing costs up to $2,000.00. If your closing costs exceed $2,000 you will have the option of paying directly or from an initial draw against the line. Any third-party fees paid on your behalf will be required to be reimbursed in the event the loan is paid off and closed within 36 months of the loan date. We are happy to provide an itemized statement of fees upon request. Borrower must maintain insurance on the property securing the credit. | WithheldShore United Bank, National Association · Page Capture Oct 5, 2026 · Captured Oct 5, 2026 | Website |
| Opening conditionsA variable rate equal to NY Prime Rate as published in the Wall Street Journal, 7.00% Annual Percentage Rate (APR) effective 9/17/26. (The maximum APR is 24%). A 10-year draw period with interest-only repayment during draw period (optional). Followed by 20-year repayment period with a minimum monthly payment equal to 0.42% of principal balance plus accrued interest or $100, whichever is greater. Available to primary and secondary residences only. Maximum LTV is 85%. Closing costs: Fees and charges generally associated with a HELOC total between $549.00 - $3,539.00. Shore United Bank will provide a closing cost credit to cover total closing costs up to $2,000.00. If your closing costs exceed $2,000 you will have the option of paying directly or from an initial draw against the line. Any third-party fees paid on your behalf will be required to be reimbursed in the event the loan is paid off and closed within 36 months of the loan date. We are happy to provide an itemized statement of fees upon request. Borrower must maintain insurance on the property securing the credit. All loans are subject to credit approval, and the borrower must maintain insurance on the property securing credit. | WithheldShore United Bank, National Association · Page Capture Oct 5, 2026 · Captured Oct 5, 2026 | Website |
| Interest deductibilityPotential Tax Benefits - Interest may be tax-deductible (consult a tax advisor) | WithheldShore United Bank, National Association · Page Capture Oct 5, 2026 · Captured Oct 5, 2026 | Website |
| Tax advisor - Interest may be tax-deductible (consult a tax advisor) | WithheldShore United Bank, National Association · Page Capture Oct 5, 2026 · Captured Oct 5, 2026 | Website |
| Future useRepay & Reuse - After you repay the funds, your available credit line is replenished | WithheldShore United Bank, National Association · Page Capture Oct 5, 2026 · Captured Oct 5, 2026 | Website |
| prepayment_penaltyA variable rate equal to NY Prime Rate as published in the Wall Street Journal, 7.00% Annual Percentage Rate (APR) effective 9/17/26. (The maximum APR is 24%). A 10-year draw period with interest-only repayment during draw period (optional). Followed by 20-year repayment period with a minimum monthly payment equal to 0.42% of principal balance plus accrued interest or $100, whichever is greater. Available to primary and secondary residences only. Maximum LTV is 85%. Closing costs: Fees and charges generally associated with a HELOC total between $549.00 - $3,539.00. Shore United Bank will provide a closing cost credit to cover total closing costs up to $2,000.00. If your closing costs exceed $2,000 you will have the option of paying directly or from an initial draw against the line. Any third-party fees paid on your behalf will be required to be reimbursed in the event the loan is paid off and closed within 36 months of the loan date. We are happy to provide an itemized statement of fees upon request. Borrower must maintain insurance on the property securing the credit. | WithheldShore United Bank, National Association · Page Capture Oct 5, 2026 · Captured Oct 5, 2026 | Website |
| Closing | $549 to $3,539 — A variable rate equal to NY Prime Rate as published in the Wall Street Journal, 7.00% Annual Percentage Rate (APR) effective 9/17/26. (The maximum APR is 24%). A 10-year draw period with interest-only repayment during draw period (optional). Followed by 20-year repayment period with a minimum monthly payment equal to 0.42% of principal balance plus accrued interest or $100, whichever is greater. Available to primary and secondary residences only. Maximum LTV is 85%. Closing costs: Fees and charges generally associated with a HELOC total between $549.00 - $3,539.00. Shore United Bank will provide a closing cost credit to cover total closing costs up to $2,000.00. If your closing costs exceed $2,000 you will have the option of paying directly or from an initial draw against the line. Any third-party fees paid on your behalf will be required to be reimbursed in the event the loan is paid off and closed within 36 months of the loan date. We are happy to provide an itemized statement of fees upon request. Borrower must maintain insurance on the property securing the credit.Shore United Bank, National Association · Page Capture Oct 5, 2026 · Captured Oct 5, 2026 | Website |
| Early closure | A variable rate equal to NY Prime Rate as published in the Wall Street Journal, 7.00% Annual Percentage Rate (APR) effective 9/17/26. (The maximum APR is 24%). A 10-year draw period with interest-only repayment during draw period (optional). Followed by 20-year repayment period with a minimum monthly payment equal to 0.42% of principal balance plus accrued interest or $100, whichever is greater. Available to primary and secondary residences only. Maximum LTV is 85%. Closing costs: Fees and charges generally associated with a HELOC total between $549.00 - $3,539.00. Shore United Bank will provide a closing cost credit to cover total closing costs up to $2,000.00. If your closing costs exceed $2,000 you will have the option of paying directly or from an initial draw against the line. Any third-party fees paid on your behalf will be required to be reimbursed in the event the loan is paid off and closed within 36 months of the loan date. We are happy to provide an itemized statement of fees upon request. Borrower must maintain insurance on the property securing the credit.Shore United Bank, National Association · Page Capture Oct 5, 2026 · Captured Oct 5, 2026 | Website |