Either Fixed-Rate Mortgage Loan or Adjustable-Rate Mortgage Loan can be used
As little as 10% down payment for owner-occupied dwellings
No Private Mortgage Insurance (PMI)
Interest-only payments during prearranged construction phase
Reasonable closing costs
No prepayment penalty
No escrowing of insurance or taxes
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 www.nmlsconsumeraccess.org to perform a search.
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