Mortgage Loans

Our long term, fixed rate mortgage is the traditional way to finance a home. The interest rate stays the same for the entire term of the mortgage, which means your monthly principal and interest payment is always the same.

Check today’s current fixed mortgage rates.

Check Rates

You can begin your mortgage application online today.

Apply for a Mortgage

Close

With an Adjustable Rate Mortgage (ARM), your initial rate is typically lower than the rate on a fixed rate mortgage. This means lower monthly payments at first, which can help you offset the costs of your down payment, closing costs, moving expenses and other incidentals that come with buying a new home. Depending on rate movements in general, the ARM may offer a lower cost over the life of the loan. Main Street Bank’s ARMs feature caps which limit the amount your interest rate can change in a single year as well as over the life of the loan.

Check today’s current adjustable mortgage rates.

Check Rates

You can begin your mortgage application online today.

Apply for a Mortgage

Close

We understand that the home-buying process can be overwhelming. That’s why we have expert community lenders who’ve been helping first time homebuyers for decades.

Their guidance will give you more than just the right mortgage program to keep your payments affordable, they’ll help you with all of the other decisions to make sure you get the right home in the right neighborhood for you.

Check out our 7/1 adjustable rate mortgage first time homebuyer program.

First Time Homebuyer Program

Get notified about any homebuyer events! Fill out the form below.

Close

Our Construction-to-Permanent Mortgage Program is convenient and cost-effective. This two-step loan calls for a construction period where you pay interest only on the funds drawn for a 12 month period (or less if the construction is completed.)

When your construction is complete, the loan automatically converts to a regular monthly payment of principal and interest. This means you only have one closing — which saves you time and money. You’ll also get a guaranteed rate of interest throughout the construction period and on your permanent financing. The interest rate you lock in at application is the same rate you get when construction has ended. Construction loans are available on our owner occupied 7/1 and 10/1 adjustable rate mortgage products.

For more information, contact one of our Community Lenders.

Close

You can refinance your current mortgage into a new term, depending upon your goals. Check the current rates for a mortgage refinance to determine what program will fit your needs.

Check Rates

You can also find out if you can reduce your current mortgage payment or decrease the length of your loan term by using our mortgage refinance calculator to get an estimate on what your payments could be.

Mortgage Refinance Calculator

Close

• Employer name and address (Last two years)
• Most Recent Year’s W2(s) and Most Recent Pay Stub
• Self Employed Borrowers must provide complete last 2 years signed federal tax returns, for both business and personal (to include ALL pages)
• Deposit Accounts (Bank names, Account Number’s and Balances
• Most recent bank statements for all accounts (to include ALL pages)
• Any Open Loans or Mortgages (Creditor Name, Address and Account Number’s)
• Credit Cards with Outstanding Balances (Creditor name, Balance and Payment)
• Purchase & Sale Agreement (with photocopy of deposit checks)

Close