We want you to feel good about your mortgage. We're here to help clear up any confusion, relieve your concerns, or satisfy your curiosity. Find answers to common questions about home buying and refinancing. 

First, you'll complete our online application. The application will ask you questions about the home and your finances and takes less than 20 minutes to complete. As soon as you've finished the application, we will review your request for instant approval. After completing your application, a Mortgage Loan Officer will contact you to introduce himself or herself and answer any questions you may have. Your Mortgage Loan Officer will provide help and guidance along the way. If your request wasn't approved online, he or she will ask you for any information required to make a decision on your loan and process your request. If you are purchasing a new home, our Mortgage Loan Officer will also contact your Real Estate Broker or the seller so that they'll know whom to contact with questions. 

We'll send you an application package and prepare your loan for closing. The application package will be sent to you and will contain papers for you to sign and a list of items we'll need to verify the information you provided about your finances during the online application. We'll order the appraisal from an appraisal management company that will engage a licensed appraiser who is familiar with home values in your area. The appraiser will need to make a time when he or she can view your home to prepare the final appraisal report. 

We will contact you to coordinate your closing date. After we received the application package back from you and the appraisal and title work, we'll contact you to schedule your loan closing. The closing will generally take place at the office of a title company in your area who will act as our agent. A few days before closing, your Mortgage Loan Officer will contact you to walk through the final information so that there won't be any surprises at closing. 

In order to provide you the fastest loan closing possible, it is important to be prepared. We have created a checklist of the documents needed when applying for a MainSource Mortgage. 

MainSource Mortgage Checklist

Interest rates can fluctuate between the time you apply and closing. Working with your Mortgage Loan Officer to lock in a low interest rate can really pay off. However, you may want to consider a few things before locking down the rate: You don't want to lock in an interest rate too early as rate locks typically expire anywhere from 45-60 days. So, if your loan is not processed within that time period, your rate lock offer may no longer be valid. Work with your Mortgage Loan Officer to determine the amount of time needed to process the loan before you lock in your interest rate.
Our Mortgage Loan Officers will work with you to determine the best loan product. Find a Mortgage Loan Officer here.
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The maximum percentage of your home's value depends on the purpose of your loan, how you use the property, and the loan type you choose. So.. the best way to determine what loan amount we can offer is to complete our online application.
We have decades of experience helping people in our communities achieve their dreams of home ownership. Choose us for your next mortgage, we pledge to give you our absolute best. 

Get started by applying online or contact a neighborhood mortgage loan officer

For a list of Registered NMLS Loan Officers, click here

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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.