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Mainstreet Talk is published quarterly via email.

To ensure you receive future emails, please make sure we have your preferred email on file. Simply log in to OnlineAccess to update your email address.

If you are having trouble receiving our emails or finding them in your spam folder, you may need to whitelist us. Whitelisting an email address just means you add them to your approved senders list. Doing this protects against overzealous spam filters.

Whitelisting is a quick task to ensure the sender of an email gets added to the recipient’s safe senders list.

Here are simple instructions on how to ensure that our email lands in your inbox every time:

• Gmail

• Yahoo

• AOL

• Apple

• Android

Gmail
Getting all future emails from a sender to appear in the “Primary” tab (instead of “Promotions”) is a quick, two-step process.

First of all, drag-and-drop the email message from beneath the tab it’s currently filed under, to the “Primary” tab:

Once done, an alert will appear with, “This conversation has been moved to Primary. Do this for all future messages from [email protected]?” Select “Yes”:

Yahoo
When opening an email message, a “+” symbol should display next to From: and the sender’s name. Select this and an “Add to contacts” pop-up should appear. Select “Save”:

AOL
In the preview pane for an opened email message in AOL Mail, select the sender’s From name under the email’s subject line and select “Add Contact” from the drop-down menu:

Apple Mail
By selecting the From, or Reply-to on an email message, you can choose to “Add to Contacts” or “Add to VIPs.”

Android
On Android devices, open the email message and touch the picture of the sender that displays before the message. Tap “Add to Contacts.”

• Conventional - There is a 3 percent down payment requirement.

• Zero Down - No down payment required for first-time home buyers. A 1% minimum borrower contribution is required, which can be part of closing costs or required cash reserves.

Mortgages with less than a 20 percent down payment require Private Mortgage Insurance to protect the lender against default. When considering the size of your down payment, consider that you'll also need money for closing costs, moving expenses and possibly repairs, decorating or appliances. Call us at 913-599-1010 to learn more about down payment requirements.

Retaining servicing means that Mainstreet will take care of your loan after closing. We receive and post your payments and pay taxes, homeowners insurance and mortgage insurance out of your escrow account (if you have an account set up for this purpose). We also perform annual escrow analysis, issue payoff requests (we don't charge any payoff statement fee or fax fee for this service) and perform collection activity if that becomes necessary. Retaining servicing is very important to us because it allows us to take care of our members after closing and do other nice things for you, such as paying dividends on your escrow account!

You may schedule payments 24 hours a day, seven days a week. Payments scheduled on a Saturday, Sunday, or holiday will be debited from the account the next business day.

The Bill Payer processor processes payments on all days excluding Sundays and Federal Reserve Board recognized holidays. In cases where a payment gets scheduled on a Sunday (this can potentially happen on a recurring payment), the payment is processed on the day before (Saturday). If you happen to be setting up the payment on this particular Saturday, the bill payment will be processed on the next banking business day. Also, please note that weekly recurring payments may not be scheduled on Saturdays.

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