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Pre-qualifications available upon request*

Online or in-person applications

Your own dedicated Mortgage Loan Representative through every step of the process

A convenient and secure digital portal to help reduce paperwork and expedite the process

Convenience

Trust

 

A wide variety of home loan possibilities 

Cash-out refinancing

Build equity faster with a shorter term

Lower your monthly payment with a lower interest rate refinance

Build your investment portfolio

Your New 

Home Awaits

Let us help you make the move

The perfect home starts with a mortgage from Mechanics Bank

Home Purchase

Be confident in your home purchase. You can rely on our experienced mortgage professionals to provide guidance and support throughout the entire process. 

EXPLORE PURCHASE OPTIONS

Home Refinance

Imagine what you could do with a lower interest rate - reduce your monthly payment, access cash for debt consolidation or home improvements, and more!

EXPLORE REFINANCE OPTIONS

Jumbo Loans

We offer both purchasing and refinancing options and will be with you every step of the way with custom solutions for your unique real estate needs.

EXPLORE JUMBO LOANS

Your home is the centerpiece for the most important relationships in your life, so why not work with the bank that has made personal and lasting relationships a priority for more than 110 years.

In addition to our in-house fulfillment through dedicated mortgage professionals, we have a strategic alliance with Guaranteed Rate. Our alliance allows you to benefit from competitive pricing, a wide array of loan programs, streamlined decisions and access to the latest and most efficient loan processing technology.  

Don't wait until tomorrow.  
Get started today!

Get in touch and a Mechanics Bank Mortgage 
Loan Representative will reach out to you shortly!

** By clicking “I agree”, you authorize Mechanics Bank to contact you, including by automated means, such as an automatic telephone dialing system, an artificial or pre-recorded voice message, and text message, via telephone, mobile phone, and email, including contacting you for telemarketing or advertising purposes. You expressly consent to this contact even if your contact information is listed on any Do Not Call list (whether internal, state, federal, or national). However, your consent is not required as a condition of purchasing any Mechanics Bank products or services.

First Time Home Buyers 

Your first home is closer than you think! We can help you get the keys.

Have additional questions? 

USE MORTGAGE CALCULATORLEARN ABOUT THE MORTGAGE PROCESSGET STARTED
FIND A MORTGAGE LOAN REPRESENTATIVE

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Routing Number: 121102036

Deposit and loan products are offered by Mechanics Bank, Member FDIC

Equal Housing Lender NMLS#442116

Investment management and trust services are offered by Mechanics Bank Wealth Management. Mechanics Bank investment products are: 

Not FDIC Insured     |     Not Bank Guaranteed     |     May Lose Value 

Not FDIC Insured

Not Bank Guaranteed

May Lose Value

Disclosures: 

All loans subject to credit approval. Other terms and conditions may apply. Mortgage loan rates and the resulting mortgage loan payment are based upon a variety of assumptions and conditions. Your loan’s interest rate and payment will depend upon the specific characteristics of your loan transaction and market conditions. Mechanics Bank NMLS #442116. Equal Housing Lender.

HomeReady is a registered trademark of Fannie Mae.

*Mechanics Bank has a strategic alliance with Guaranteed Rate, to provide a full array of loan options for our clients. Out of State Mortgages, FHA, USDA, and VA Loans are only available through Guaranteed Rate. Pre-qualifications provided by Guaranteed Rate. Guaranteed Rate, NMLS License #2611. Equal Housing Lender

Welcome to the Mechanics Bank Mortgage Center

Professional. Local. Reliable.

Find a Mortgage Loan Representative near you to start a relationship and begin your journey. 

Use our mortgage calculator to explore the possibilities.

Visit our Help Center featuring useful FAQs.

Routing Number: 121102036

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The Official East Bay Bank of the Oakland A's

© 2022 Forbes Media LLC. Used with permission. 

Your 

New 

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Awaits

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