Find a loan that feels like home

Whether it's your first home, next home, vacation or investment home, finding the perfect loan is a slam dunk!

You can rely on our professional experts to provide the guidance and support you need throughout the homebuying process. 


At Mechanics Bank, we provide

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Local and knowledgeable experts


Dedicated Lending Advisor


Wide variety of home loan options

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Pre-qualifications upon request 1,2

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Online or in-person applications

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Convenient & secure digital portal

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!

Investment Properties

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

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.

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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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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

We can also help you with*

Veterans Affairs (VA) Loans1,2

  • For current or former members of the U.S. Armed Services and surviving spouses
  • Lower down payments and may have easier credit qualification

Out-of-State Mortgages1,2

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

Federal Housing Administration (FHA) Loans1,2

  • Lower down payments and may have easier credit qualifications
  • Fixed-rate and adjustable-rate options 

USDA Rural Development Loans1,2

  • For homes and land in specific rural or suburban-zoned areas
  • Typically requires no down payment 

HomeReady Mortgages3

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