Financing Options

Main Street Homes works with MSH Mortgage to offer a wide variety of financing options to our customers. We continuously monitor the different loan options that are underwritten by state and county agencies. When a new loan program becomes available, we make sure to make our buyers aware of it, and many people take advantage of the lower-cost alternatives to conventional financing. Some of our financing options include:

  • Conventional
  • Texas Veterans
  • Veteran’s Administration
  • Texas Department of Housing and Community Affairs
  • Mortgage Credit Certificate
  • Brazos City Down Payment Assistance
  • SMART Housing
  • Capital Area Down Payment Assistance

Mortgage Loan Process

  1. Select your community and floorplan
  2. Fill out the Main Street Loan Application with a sales counselor or apply online.
  3. You will be assigned an appointment with a mortgage counselor.
  4. Bring all the necessary information with you to your first mortgage meeting.
  5. Your loan officer will review your application and make a decision.
  6. When approved, construction begins on your home. The final step will be to close on your home.

What to Bring to Your Mortgage Meeting

After signing a contract with the community sales consultant, you will schedule a meeting with your mortgage counselor. In order to simplify the loan application process, please bring the following things to this meeting:

  • The sales contract you have completed with your sales consultant
  • A personal check for the application fee
  • Driver’s license
  • Social security card
  • Residence addresses for past two years, with landlord addresses
  • Two months of current pay stubs for all family income
  • Three months of bank statements, retirement accounts, investments, etc.
  • Your W-2 statements (the statement of your final salary total, which your employer sends you at the end of each
  • year) for the past two years
  • The past three years’ tax returns, or, if you are self-employed, two years of corporate returns
  • VA certificate of eligibility, if applicable
  • Copy of divorce or separations papers and property settlement, if applicable
  • Child support order, if applicable
  • Bankruptcy documents (all pages), if applicable