Homeowners Affected by the Washington State Wildfires: Please visit our Homeowner Assistance page for more information.

VA Loans

Honoring those who served

At Mechanics Bank, we have a mission-driven commitment to serving veterans with respect, speed, and transparency. Veterans Affairs (VA) Home Loans offer those that have served our country home loans with flexible underwriting from the Veterans Administration. This could mean 0% down payment and no mortgage insurance on your dream home. VA also has Jumbo loans too. Our Loan Advisors can go over all the details in a free consultation.

Key Features & Benefits

  • Low and zero down payment options
  • No mortgage insurance required
  • Highly competitive VA rates
  • Advisors who honor the service of our military community with elite guidance and communication
  • Must be a qualified veteran, active duty personnel, reservist, or certain family members
Get started today

There's a unique story behind your home loan, we're here to write it.

Backed by exceptional capital strength and substantial assets, we're a resilient and resourceful bank whose banking and lending principles reflect that of a community bank. For over a century, it has been our foremost commitment to exceed our clients' expectations every day. If you work with us on your next home loan, you can expect:

We close — and we close on time

Our fast, disciplined execution can deliver quick closing times when you need them.

Tailored
solutions

We are backed by a local credit culture built to find a solution tailor-made for you.

High-trust, relationship-first

Experience designed to help you make informed home financing decisions with expert guidance.

Real people.
Real answers.

Seasoned Senior Lending Advisors who know the nuances of the West Coast markets inside & out.


Start your online application

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.

Online application


Meet the Lending Advisors

You can rely on our experienced Lending Advisors to provide the guidance and support you need throughout the homebuying process. Connect with a local Lending Advisor.

Lending Advisors