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Personal > Borrow > Home Loans > Mortgage Loan Representatives

Mortgage Loan Representatives

At Mechanics Bank, we specialize in personal, local service. We're proud to be part of the community, and we're committed to helping our neighbors reach their homeownership goals. Let one of our friendly Mortgage Loan Representatives guide you through the buying or refinancing process.

Northern California

Patrick McArdle Photo

Patrick McArdle

Office: 707.603.2622
Patrick_McArdle@mechanicsbank.com
NMLS# 742368
 

Patrick has been with Mechanics Bank, or affiliate organizations, for 17 years. He specializes in loans involving complex financial analysis on larger properties, including those with agriculture uses. He earned an MBA from the University of California, Irvine, following undergraduate studies at U.C. Davis.

Lisa Ostarello Photo

Lisa Ostarello

Direct: 831.901.5895
Lisa_Ostarello@mechanicsbank.com
NMLS# 742372
 

Lisa has been with Mechanics Bank for over 30 years, and loves that she is now helping second-, and in some cases, third-generation clients. She is passionate about swimming, with her daily goal being to swim 2,500 yards (100 lengths). Coming from a large Italian family, she loves to cook.

Didi Reynoso Photo

Didi Reynoso

Office: 805.614.5307
Diane_Reynoso@mechanicsbank.com
NMLS# 633237
 

Didi brings to Mechanics Bank more than 30 years of experience in the areas of real estate, community reinvestment and mortgage. She has served on numerous non-profit boards and is active in her community and on the Central Coast. On weekends, she enjoys time with her grandchildren and restoring quirky items for her husband’s vintage business.

Michael Rogers Photo

Michael Rogers

Office: 831.737.1441
Michael_Rogers@mechanicsbank.com
NMLS# 275758
 

Mike, with over 30 years in the banking industry, enjoys helping clients with single-family, two- to four-unit properties and estates, and tackling complex borrower financial matters. In his spare time, Mike can be found volunteering for the Monterey Peninsula Foundation, which operates the AT&T Pebble Beach Pro-Am. Of course, he is an avid golfer himself.

Karen Sepulveda Photo

Karen Sepulveda

Office: 805.434.2026
Karen_Sepulveda@mechanicsbank.com
NMLS# 742374
 

Karen began her career with Mid-State Bank in 1978 and has a total of 44 years of experience in the lending field, with many years focused on commercial and residential construction lending. In 2002, Karen changed her career path to mortgage lending. She currently resides in Morro Bay and works out of the Templeton and Morro Bay offices.

Southern California

Alfredo Melendez Photo

Fabio Berzonetti

Office: 949.270.9722
Cell: 949.375.7411
Fabio_Berzonetti@mechanicsbank.com
NMLS# 784311
 

Fabio brings to Mechanics Bank 20 years of Finance experience. He incorporates his knowledge in mortgage banking, strategy, and planning to serve his clients with their home and investment properties. Client communication and professional integrity are among his top priorities. Fabio actively volunteers in his community, enjoys riding bikes on the beach with his daughters and wife, and is dedicated to studying martial arts in the form of Muay Thai.

Alfredo Melendez Photo

Alfredo Melendez

Office: 805.384.2187
Alfredo_Melendez@mechanicsbank.com
NMLS# 1051621
 

Alfredo brings 11 years of banking experience to Mechanics Bank. He has the knowledge and experience to help his clients through the entire mortgage loan process with a high level of service and care. Alfredo is fluent in both English and Spanish. Outside of the office, he likes to spend time with his family, travel and try new restaurants.

Edna Young Photo

Edna Young

Office: 805.315.5075
Edna_Young@mechanicsbank.com
NMLS# 614330
 

Edna specializes in refinances and purchases, and especially enjoys working with first-time homebuyers. She is an active member in Northern Santa Barbara County, from Santa Maria to Santa Ynez. She regularly participates in Relay for Life in Santa Maria and Lompoc, as well as Empty Bowls fundraisers to fight hunger. In her downtime, Edna enjoys antiquing and the relaxation that comes with gardening.

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Disclosure:

All loans subject to program eligibility, collateral, underwriting approval and credit approval.

Mechanics Bank

Routing Number: 121102036
© 2020 Mechanics Bank. All rights reserved.

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The Official East Bay Bank of the Oakland A's

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Deposit and loan products are offered by Mechanics Bank, Member FDIC
equal housing lender logo 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

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