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Mortgage Loans

Applying online is as easy as 1-2-3. You can apply now in as little as 20 minutes.

  1. Apply Now and complete the application.
  2. When you have completed the application, click submit and your information will be reviewed for instant online approval.
  3. A West Shore Bank Loan Officer will follow up to answer your questions.

Our goal is to provide a high level of service at competitive rates. Our Loan Officers are only a phone call away if you need helpful advice. Contact us at 231-845-3500 or 888-295-4373.

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Building your dream home doesn't have to be just a dream.

We have construction loan programs that will make it a reality.

Mortgage Calculators

How much would my monthly payment be?

How much can I save with a 15 year mortgage?

Can I save money by refinancing now?

How quickly can I pay off my mortgage by making additional payments?

Today's Featured Rates

Conventional Loans
30 Year Fixed Rate
 Rate  APR  Points
 4.875%  4.922%  0.000%
20 Year Fixed Rate
 Rate  APR  Points
 4.625%  4.688%  0.000%
15 Year Fixed Rate
 Rate  APR  Points
 4.500%  4.580%  0.000%
Rural Development
Rural Development
 Rate  APR  Points
 5.250%  5.550%  0.000%

*Annual Percentage Rate (APR) - the yearly cost of a mortgage, including interest, mortgage insurance, and the origination fee (points), expressed as a percentage.

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