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. 

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.

Learn more about Conventional Fixed Rate First Mortgages here.

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.

Learn more about Conventional Adjustable Rate First Mortgages here.

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.

Learn more about FHA Mortgages here.

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.

Learn more about VA Mortgages here.


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.

Learn more about HomeReady here.

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.

Click below to apply for a Mortgage Loan.

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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.

Learn more about HELOC here.

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.

Learn more about Home Equity Fixed Rate Loans here.

Click below to apply for a Home Equity Loan.

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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).