Stacks of cardboard boxes sitting around a door.

Home Loans

Buy. Refinance. Renovate. Get Cash

There's a unique story behind your home loan, we're here to write it

Work with the bank that has made personal and lasting relationships a priority for more than a century. Whether you've been through the home buying process before or you're not sure where to begin, we're here to guide and help you get started. Select an option below to begin your mortgage journey, today.

couple sitting together reviewing paperwork with an advisor

"No two home loans are identical or serve the same purpose. Each client has a unique story and specific objectives that deserve a thorough analysis and personalized recommendations from our team of professionals." 

Daniel Watt
Executive Vice President 
Director of Mortgage and Consumer Lending 

Why Choose Mechanics Bank?

We've been doing this for over a century - and we're still here because we do it right. With exceptional capital strength behind us, we have the resources to move confidently and creatively on even the most complex loan scenarios. And we do it all with community-first values: real relationships, local service and a genuine commitment to your outcome - every single day. When you bring your home loan to us, here's what you can count on:

We close — and we close on time

Our fast, disciplined execution can deliver quick closing times when you need them.

Tailored
solutions

We are backed by a local credit culture built to find a solution tailor-made for you.

High-trust, relationship-first

Experience designed to help you make informed home financing decisions with expert guidance.

Real people.
Real answers.

Seasoned Senior Lending Advisors who know the nuances of the West Coast markets inside & out.

Explore the benefits and costs of buying and owning a home.

Start learning today.


Start your online application

The fastest way to get started with your mortgage application. Our online application captures all of the information we need to qualify you, make a loan recommendation and deliver an estimate.

Online application


Meet the Lending Advisors

You can rely on our experienced Lending Advisors to provide the guidance and support you need throughout the homebuying process. Connect with a local Lending Advisor.

Lending Advisors