West Shore Bank
West Shore Bank
201 W. Loomis Street
PO Box 627
Ludington, MI 49431-0627
Office: (231) 845-3500
TOLL FREE: (888) 295-4373
FAX: (231) 845-3501
West Shore Bank offers a variety of mortgages that can help make your dream home a reality.
Fixed Rate Mortgages
Enjoy the peace of mind that comes from knowing your mortgage payment and interest rate will never change over the life of your loan. Choose the term that best meets your needs and budget. The shorter your term, the higher your monthly payment, but the less you’ll pay in total interest.
Balloon Mortgages
Balloon mortgages are especially suited to borrowers who expect to move within a few years or expect to refinance for improvements. If you decide to stay put, you can simply extend the remaining balance. With our balloon mortgage, you have the option of either a monthly or bi-weekly payment. By making 26 half payments (every other week) instead of 12 full payments (once a month) you will - in effect - be making one extra full payment each year. The result? You can pay off your loan years early and save thousands of dollars in interest.
Construction Loans
Building new? Ask us about a construction loan. It can be converted to a long-term mortgage when your home is completed.
Second Home Financing
Thinking of a vacation retreat, income property or retirement home? West Shore Bank can provide the financing.
Home Improvement
With a home improvement loan from West Shore Bank, you can make your house just right ... right now. Surely, there’s something you’ve always wanted to do to make your house a little nicer. Now there’s no reason to put it off any longer.
EquityAccess
An EquityAccess line of credit from West Shore Bank is probably the smartest, most convenient way to borrow. It lets you tap your home equity whenever you want by simply writing a check. Use the money to pay for anything — home improvements, a vacation, a car, a pool, education expenses, debt consolidation ... you name it! Best of all, interest payments are usually tax deductible (consult your tax adviser to be sure).
Call or email us for more information about our mortgage products
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