Home Equity Loans

Home Equity Line of Credit (HELOC)

A HELOC is an open-ended mortgage ideal for recurring expenses such as educational costs. Borrow up to 90% of the appraised value of your home, less the balance of your first mortgage loan. You may access the credit line for a period of five years, and only make payments on the amount you use.

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Home Equity Fixed Rate Loan

A Home Equity Fixed Rate Loan is a fixed rate loan with fixed payments, so you don't need to worry about a future interest rate hike. A Home Equity Fixed Rate Loan works well for one-time major purchases like a new car.

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* Equity Loans are the only kind of tax-deductible interest expense available to most consumers (check with a tax professional regarding your eligibility).

Mortgage Loans

Smart Start Mortgage 

With zero down payment and 100% Loan-to-Value (LTV) financing this program is a Smart Start for any first time home buyer.

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Conventional Fixed Rate First Mortgage

Keep the same interest rate for the life of the loan. Choose from 30, 20, 15 and 10 year terms to ensure a monthly payment that fits your budget.

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Conventional Adjustable Rate First Mortgage

An Adjustable Rate First Mortgage has an initial interest rate lower than a Fixed Rate Mortgage and is fixed for a specified period. The rate is then subject to adjustments annually, after the initial fixed rate period.

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FHA Mortgage

An FHA mortgage is great for first time home buyers because of the low down payment requirement. This program is also a good choice for borrowers with less than perfect credit.

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VA Mortgage

A VA mortgage is a good choice for veterans because there is no down payment, no monthly mortgage insurance, and the seller can pay the entire borrower’s closing costs.

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Perfect for low to moderate income buyers, HomeReady allows you to borrow up to 97% of the homes appraised value (1-unit only) and use flexible funding sources.

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First Mortgage Online Access

Access your Mainstreet mortgage online anytime to review payment history, check your balance, or make a payment. Have your Social Security Number and mortgage loan number handy.