Your first home is closer than you think

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

Information circle

What Mortgage Loans Do You Offer?

We offer a variety of loan options tailored to your specific needs including fixed-rate, adjustable-rate mortgages, and more. Your Lending Advisor will get you in a loan that fits your goals.

Editing document

How Do I Get Started?

Our Senior Lending Advisors are experts in the mortgage process and will be with you every step of the way. Meet our team of professional, friendly Lending Advisors.

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 Lending Advisor will reach out to you shortly.

Local. Reliable. Professional.

* Required field
** Consent to Contact. By clicking Yes, 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.
CCPA Privacy Notice at Collection


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.

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

What is the difference between a fixed-rate and adjustable-rate (ARM) mortgages?

Fixed-rate Mortgage

Fixed-rate home loans are the most common type of mortgage. With fixed-rate home loans, you'll maintain the same principal payment and interest rate throughout the life of the loan. That means you’ll never worry about rising interest rates or a changing economy when it comes to your home loan. It’s perfect if you plan on staying in your home for at least five years.

Adjustable-rate Mortgage

Adjustable-rate mortgages (ARMs) offer less predictability but may be cheaper in the short term. Most ARMs have two periods. During the first period, your interest rate is fixed and won’t change. During the second period, your rate goes up and down regularly based on market changes. You might consider this option if you plan to move again within the initial fixed period of an ARM. However, if you end up staying in your house longer than expected, you may end up paying a lot more.


Have more questions about buying a home?

Visit our mortgage FAQs