Mainstreet Credit Union is a Federal Housing Administration-approved lender. If you’re looking for a loan with a bit more flexibility in lending requirements, you’re in the right place! FHA loans are popular for their relatively small down payment and fewer qualifying stipulations. If you have a less than perfect credit score or you’re a first time buyer without a credit history, FHA loans can be a smart option.

To apply for an FHA Loan you must meet these requirements:

Credit Score of 600 or higher

Steady history of employment or work for the same employer for 2 years

At least two years without bankruptcy

Property must be owner-occupied

We’re excited to help you guide you throughout the home buying process. With a Mainstreet FHA home loan, we strive to provide these benefits:

Down payments as low as 3.5%

No prepayment penalty

Competitive interest rates

View our loan rates >

Estimate your savings with our financial calculators >

Apply now!

We make the home buying process as simple and convenient as possible. You can track and check your mortgage Online so you’re always up to date with your account. Apply Online today!

How to apply

Applying for your FHA home loan is easy! We know you have places to be, so we make applying for a Mainstreet loan as convenient as possible. You can apply Online anytime from your phone or computer or you can always stop in and talk with us at any Mainstreet location.

Apply 24/7 Online at or dial 1.888.395.1010 during normal business hours. To make your loan application even easier, have employment information, income and social security numbers of all applicants handy.

Apply now!