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Owner and Investor Real Estate

Mechanics Bank has a long history and substantial expertise in financing various property types for different purposes. We provide construction loans, investor financing and loans for owner users. Our clients include many real estate developers who have built their portfolio through the development and long-term ownership of real estate in Northern California.

Mechanics Bank is a diversified lender and projects that we have financed include: apartments; retail shopping centers in urban and suburban locations; distribution warehouses; manufacturing facilities; R&D buildings; and mini-storage units. We also have experience in financing golf courses, wineries and vineyards. Our typical structure enables the construction of new properties with a conversion of the construction loan at completion and stabilization of the property to a permanent loan. Ultimately, the structure which will work best for you depends upon your unique needs.

Interest rates are competitive and based upon various indexes. Terms may be either fixed or adjustable. Amortization structures are designed to suit your cash flow requirements and to stabilize to the extent possible the cost of carrying debt burden relative to revenue fluctuations.

The advantages of financing your project through Mechanics Bank:
  • Immediate attention to your needs
  • Customized and flexible credit structures
  • Local credit approvalCompetitive pricing options
  • Skilled, experienced and knowledgeable Relationship Managers
  • A genuine commitment to quality service