Key features:

As little as 10% down payment for owner-occupied dwellings

Interest rates adjust periodically according to terms

Monthly payment of principal and interest

No Private Mortgage Insurance (PMI)

Other Features:

  • Available for purchases or refinances
  • Terms as long as 30 years
  • Reasonable closing costs
  • No prepayment penalty
  • No escrowing of insurance or taxes


Subject to credit approval. Additional terms and conditions apply. Terms subject to change at any time without notice.

The Secure and Fair Enforcement for Mortgage Licensing Act (SAFE Act) requires employees of federally regulated lending institutions who act as a mortgage loan originators ("MLO") to register with the Nationwide Mortgage Licensing System and Registry ("Registry"). Each Mechanics Bank MLO is registered with the Registry and has a unique identification number. If you would like to review the background of any Mechanics Bank MLO, find the MLO's unique identification number from the listing below and go to to perform a search.