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Key features:

Single closing reduces costs

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

Other Features:

  • 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.