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.
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!
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.
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.
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
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Find a Mortgage Loan Representative near you to start a relationship and begin your journey.
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Routing Number: 121102036
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