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 & Familiarity
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 mortgage
made EASY
We make finding the
perfect mortgage
a day at the beach.
Home Purchase
Work with the bank that knows you and values your relationship.
Don't wait until tomorrow.
Get started today!
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Be confident in your home purchase. You can rely on our experienced mortgage professionals to provide guidance and support throughout the entire process.
Home Refinance
Jumbo Loans
Imagine what you could do with a lower interest rate - reduce your monthly payment, access cash for debt consolidation or home improvements, and more!
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.
First Time Home Buyers
Your first home is closer than you think! We can help you get the keys.
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.
Mechanics Bank has a strategic alliance with Guaranteed Rate to provide a full array of loan options for our clients. FHA, USDA and VA loans are available through Guaranteed
Rate. Pre-approvals provided by Guaranteed Rate. Guaranteed Rate NMLS #2611. Equal Housing Lender. Mechanics Bank has a strategic alliance with Kind Lending, LLC to
provide a full array of loan options for our clients. FHA, USDA and VA loans are available through Kind Lending, LLC. Pre-qualifications provided by Kind Lending, LLC. Kind Lending,
LLC NMLS #3925. Equal Housing Lender. HomeReady is a registered trademark of Fannie Mae
Professional. Local. Reliable.
Find a Mortgage Loan Representative near you to start a relationship and begin your journey.
Visit our Help Center featuring useful FAQs.
Routing Number: 121102036
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Fixed-Rate Mortgages
Adjustable-Rate Mortgages (ARM)
Specialty Mortgages & Investment Property Loans
Types of Loans We Offer:
And More!
HomeReady Mortgages®
Simple Solutions
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 117 years?
Welcome to the Mechanics Bank Mortgage Center