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First Mortgage Loans

 

Young woman using learning about home loansA Mainstreet Mortgage – 

get preapproved with your neighbor in the community.

Spring is a great time to find the perfect home for your family.
Our pre-approval process is simple and allows you to shop with
confidence. Mainstreet offers Fixed Rate and Adjustable Rate
Mortgages with competitive rates and low fees.
Our helpful mortgage loan officers close your loan quickly and,
since your loan stays with Mainstreet, they are always available
for questions about payments or later refinancing. Plus, online
access allows you to check on your loan anywhere, any time.
Call 913-599-1010 or visit a branch to speak to a mortgage loan
officer.

 

When buying a home or refinancing your existing mortgage, Mainstreet has a loan program to fit your needs. Finding the perfect mortgage for you starts with Mainstreet's extraordinary member service, as we make the process easy and affordable. Our experienced and knowledgeable staff takes your loan from start to finish, and since we retain servicing on all mortgages, you always know where to come with payments and questions. You'll also enjoy competitive rates and closing costs, and your escrow even earns dividends just like your share account! Learn more about Mainstreet's First Mortgage programs by clicking below.

Fixed Rate First Mortgage

A Mainstreet Fixed Rate First Mortgage maintains the original interest rate throughout the entire life of the loan. Monthly payments remain the same except for changes due to property tax and insurance. Our Fixed Rate Mortgages offer 30, 20, 15 and 10 year terms. Lower rates are available for shorter terms, but a shorter term will require higher payments. A popular option is to choose a longer term loan with lower payments, and then make additional principal payments when possible to reduce the overall interest cost and term. There are no prepayment penalties with any of our mortgage loans.

Adjustable Rate First Mortgage

An Adjustable Rate First Mortgage, or ARM, is a popular way to reduce your monthly payment amount. The initial interest rate is 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. The maximum amount of rate change at each adjustment is capped, and there is a lifetime cap over the life of the loan.

An ARM from Mainstreet is a good choice if you plan on being in your home only a few years. It can also help you qualify for a higher loan amount by offering a lower interest rate.

First Mortgage Online Access

You can access your Mainstreet mortgage online anytime to review your payment history, check your balance, make a payment, or perform many other functions. To get started, click here and have your Social Security Number and mortgage loan number handy. Create a user name and password and you'll be ready to go!

Please note that this link is a separate access from the OnlineAccess site you may use for your other accounts at Mainstreet. If you access this link and see only a white screen, press the F5 key on your keyboard or click the Refresh button on your browser. Also, this access to your Mainstreet mortgage requires a "cookie" to be downloaded to your computer, and your browser security settings set to allow a "pop-up" from "estatus.loanware.com". These settings are typically contained within your internet browser and procedures to alter your browser options will vary depending on the browser you use. Please refer to your specific browser instructions for help on changing these settings.

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Click here for loan rates and closing costs
Click here for financial calculators
Click here for a list of Mainstreet's Home Loan Professionals