Home. It's a special place. We want you to feel good about the place you call home. 

We offer affordable mortgage products with low payment options and flexible credit terms that make it easier for you to buy the home of your dreams. We offer down payment assistance programs for conventional, FHA, Rural Housing and VA loans. To learn more about our home ownership programs, visit one of our neighborhood Mortgage Loan Officer

Whether you're a first time home buyer or would like to refinance your current mortgage, a FHA loan may be the right fit for you.

  • Purchase or refinance options
  • Requires minimum 3.5% down payment
  • Qualifying credit score as low as 620
  • Single and multi-family homes
  • Gift funds permitted
  • Low closing cost options available
  • Private Mortgage Insurance (PMI) may be required

VA (Veterans Administration) loans may be available for service members, veterans and eligible surviving spouses.

  • Purchase or refinance options
  • Qualifying credit score as low as 640
  • Gift funds permitted
  • Low closing cost options available
  • Private Mortgage Insurance (PMI) may be required
Home Possible Mortgages allow low down payment options and flexible credit terms. 

  • Purchase or refinance options
  • Stable monthly payments with a fixed-rate mortgage
  • Low down payment options
  • Low qualifying income requirements
  • Private Mortgage Insurance (PMI) may be required
  • Gift funds permitted

Eligible borrowers can finance the purchase or refinance of a manufactured home and/or lot.

  • Purchase or refinance options
  • Finance up to 70% loan-to-value
  • Minimum credit score of 700
  • Gift funds permitted
  • Low closing costs options available
  • Private Mortgage Insurance (PMI) may be required

Our physicians program offers new and existing doctors with high education loan debt minimal down payments and flexible amortization terms. 

  • Purchase or refinance options
  • Finance up to 100% loan-to-value
  • Private Mortgage Insurance (PMI) may be required
  • Residency status options may be available
  • Gift funds permitted
  • Low closing cost options available

Loan modifications assist qualified borrowers by modifying their MainSource Bank mortgage loan to make payments more affordable to keep individuals and families in their homes. Click here for details.
  • Low closing cost options available
  • Gift funds permitted


The USDA Rural Development program gives families or individuals the opportunity to buy, build, repair or own safe and affordable homes located in rural communities. Eligibility is based on income and varies according to average median income for each area.

  • Purchase or refinance options
  • Financing available up to 100%
  • Qualifying credit score as low as 640
  • Low closing cost options available
  • Closing costs can be paid by seller
  • Gift funds permitted
  • Private Mortgage Insurance (PMI) may be required

A flexible mortgage product.

  • Purchase and Refinance available
  • Primary, investment, and second home eligible
  • PMI (private mortgage insurance) waived
  • Reduced closing costs
  • $10,000 repair escrow option
  • Minimum credit score of 600 or above
  • Homebuyer can contribute as little as $1,000
  • MainSource grant funds up to $7,500 may be available and may be combined with other available grants.

Income or geographic restrictions.

A flexible mortgage product for the purchase of a single family primary residence. 

  • Purchase only
  • Finance up to 95% loan-to-value
  • PMI (private mortgage insurance) waived
  • Reduced closing costs
  • Alternative credit source can be used
  • Homebuyer can contribute as little as $1,000
  • Gift funds permitted
  • Low closing costs options available
Our 10-year mortgage product allows you to pay your mortgage off quickly with a short-term fixed rate.

  • Refinance only
  • Finance up to 95% loan-to-value
  • Primary residence or second home
  • Private Mortgage Insurance (PMI) may be required
  • Gift funds permitted
  • Low closing cost options available

This program is designed to assist homeowners in refinancing their mortgages to make payments more affordable when a loss of income is evident. Contact local Mortgage Loan Originator for details.


  • Loan must be dated on or before May 31, 2009
  • Gift funds permitted
  • Low closing cost options available


The Multi-Family Housing programs provide competitive financing for affordable multi-family rental housing for low-income, elderly, or persons with disabilities and families in rural areas.

  • One to four families
  • Must meet Freddie Mac or Fannie Mae guidelines
  • Gift funds permitted
  • Low closing cost options available
  • Private Mortgage Insurance (PMI) may be required

For more information on any of these programs, contact your neighborhood mortgage loan officer.

For a list of Registered NMLS Loan Officers, click here


Housing counseling available at http://nlihc.org/.

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For Money Management

At MainSource, we offer a range of checking options for managing your money. One of them is sure to be just what you are looking for. 

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For Smart Conveniences

For Smart Conveniences

We love seeing you face-to-face. For us, personal relationships are what it's all about. But we understand you don't always have time to swing by a branch. 

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Insurance and Investment products are NOT insured by the FDIC; not deposits or other obligations of, or guaranteed by the institution; subject to investment risks, including possible loss of the principal amount invested.