Designed for First-Time Home Buyers
  • Zero down payment
  • 100% Loan-to-value (LTV) for first time home buyers only
  • 1% minimum borrower contribution required 
    • A borrower's contribution can be part of closing costs or part of the required two months cash reserves to be verified in the borrower(s) bank, investment or retirement accounts. 
  • Fixed and adjustable rate loan options available
  • Single family attached/detached home and condos only
  • Primary residence-owner occupied only
  • Online home buyer education required and provided at no cost

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 a Smart Start Mortgage 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.

*Smart Start Mortgage for First-Time Home buyers is available to borrower(s) with no home ownership in the last three years. Valid on single family, owner occupied attached/detached homes and condos. 1% minimum borrower contribution required, closing costs and/or reserves can be used to cover the 1%. All loans require escrow for property taxes and homeowner’s insurance, Private Mortgage Insurance (PMI), and flood insurance, if applicable. Member is responsible for Lender fees, all title/recording fees, escrow reserve, and initial interest. A required home buyer education program is provided at no cost. All loans subject to approval based on borrows creditworthiness. Debt-to-Income ratio and credit score restrictions apply. Membership eligibility required. We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.