Mechanics Bank Mortgage Center

Work with the bank that knows you and values your relationship

Welcome to the Mechanics Bank Mortgage Center

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 115 years?

In addition to our in-house fulfillment through dedicated mortgage professionals, we have strategic alliances with Guaranteed Rate and Kind Lending, LLC. 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. 

Electronic devices


Pre-qualifications available upon request1.
Online or in-person applications.
Your own dedicated Mortgage Loan Officer every step of the process.
A convenient and secure digital portal to help reduce paperwork and expedite the process.



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.


Simple Solutions

A wide variety of home loan possibilities for most types of borrowers and properties.
Cash-out refinancing.
Build equity faster with a shorter term.
Lower your monthly payment with a lower interest rate refinance.
Build your investment portfolio.

Let's see just how simple we can make this.

Get started today.

For over 115 years, we’ve been working side-by-side with our neighbors to help with mortgage needs. We’d love to lend you a hand, too.

Get in touch and a Mechanics Bank Mortgage Loan Representative will reach out to you shortly.

Local. Reliable. Professional.

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Thank You

A Mechanics Bank Mortgage Loan Representativewill be in contact with you shortly! 

If you have any questions in the meantime, please reach out to our Customer Care team at 800.797.6324.

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Types of loans we offer

Fixed-Rate Mortgages

A fixed-rate mortgage has a fixed rate for the life of your loan ensuring predictable monthly principal and interest payments.

Adjustable-Rate Mortgages

Adjustable-rate mortgages (ARM) can lower interest rates in the early years of your loan, but interest rates and payments may increase.

Jumbo Loans

Jumbo home loans offer larger loan amount for high-priced housing markets. We offer competitive interest rates! Learn more.

Specialty Mortgages & Investment Properties

We have custom solutions for your personal or investment needs on single family residential properties (1-4 units).

HomeReady Mortgages®3

For home buyers who have limited cash for a down payment. Expanded eligibility for financing homes in low-income communities.

Out-of-State Mortgages1,2

For homes and land outside of the Bank's territory. Financing and guidance to address special requirements.

Professional. Local. Reliable.

Find a Mortgage Loan Representative in your neck of the woods

First Time Home Buyers

Your first home is closer than you think.

No matter where you are in your home buying journey, Mechanics Bank can help get you started. We're proud to be part of the communities we serve and we're committed to helping our neighbors reach their homeownership goals. 

Get started