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Mechanics Bank
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| Access to fundsWe offer more ways to finance your home than you might think Forget the one-size-fits-all approach - we're a true Portfolio Lender, which means we can say yes when other lenders say no. Our Senior Lending Advisors move fast and think creatively. Connect with an advisor today and see what's actually possible for you. Get started today Types of Loans Property Types Jumbo & Conforming loans Fixed rate Adjustable rate (including Interest-Only payment options during the fixed rate period) Primary home loans of up to $5,000,000 Second home loans of up to $3,000,000 First-time homebuyer options available including HomeReady 1 FHA loans VA loans One-Step Construction loans Asset depletion Restricted Stock Units (RSUs) Departing Residences Single-family Condominiums 2-4 unit properties Manufactured homes attached to a permanent foundation Non-warrantable condos Up to 20 acres including hobby farms (over 20 acres will be considered case by case) The fastest way to get started with your mortgage application. Our online application captures all of the information we need to qualify you, make a loan recommendation and deliver an estimate. All loans subject to program eligibility, acceptable collateral, underwriting and credit approval. Other terms and conditions may apply. Mechanics Bank NMLS #442116. 1 HomeReady is a registered trademark of Fannie Mae. | WithheldMechanics Bank · Page Capture Oct 4, 2026 · Captured Oct 4, 2026 | Website |