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Affordable financing and down payment.

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Explore some of the solutions we offer for your home financing needs.

Call Our Concierge Team
844-340-2574

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FHA Fixed-rate mortgages1

  • Insured by the Federal Housing Administration
  • As low as 3.5% down payment
  • Fixed monthly principal and interest payments; several term lengths available
  • Minimum 580 FICO® Score

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VA fixed-rate mortgage1

  • Guaranteed by Department of Veterans Affairs
  • Exclusively for servicemembers and veterans
  • 100% Financing available
  • Minimum 580 FICO® Score
  • Fixed monthly payments
  • Several term lengths available

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USDA mortgage1

  • Guaranteed by the U.S. Department of Agriculture, if eligible2
  • Get up to 100% financing
  • Minimum 640 FICO® Score

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Neighborhood Connection® home loan3

The Neighborhood Connection® home loan provides affordable financing options for borrowers in low- and moderate-income census tracts. The program offers borrowers up to 100% loan-to-value (LTV)4 financing to purchase a home or refinance5 the existing balance on their mortgage.

  • Loan applies only to purchases of primary residences or to refinance6 the balance of your existing mortgage on primary residence
  • Eligible borrowers receive a $5,000 Neighborhood Connection® grant toward closing costs and down payment on purchase of primary residence7
  • Fixed-rate product
  • Maximum loan limits apply6
  • Eligibility requirements:
    • Satisfactory employment history
    • Minimum FICO® score is 5808
    • Home buyer education with select HUD approved agencies required
    • Minimal late payment history acceptable9

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Call Our Concierge Team
844-340-2574

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Other assistance programs

  • Options available for down payment and closing costs assistance
  • Can be utilized with either conventional or government loan programs
  • Contact a Commerce Bank Mortgage Banker for assistance

Contact a Mortgage Banker 

Call Our Concierge Team
844-340-2574

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Commerce Bank Mortgage Online Access.

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Get help with your Commerce Bank Mortgage.

Visit our self-service center to:

  • Make a mortgage payment.
  • Learn what to do if you encounter a hardship (e.g., job loss, natural disaster).
  • Get answers to frequently asked questions about your Commerce Mortgage.
  • Find contact information for your Commerce Bank Mortgage team.

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Mortgage made simple.

Our goal is to make the mortgage loan process straightforward and easy to navigate. Whether you meet with a mortgage banker face-to-face, through chat or over the phone, we’re here to help every step of the way.

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Disclosures:

  1. Commerce Bank Mortgage supports the markets and communities within our geographic regions and reserves the right to limit the geographic area in which loans will be made. Commerce does not lend in Maryland. 
  2. Borrowers wishing to finance with a USDA-guaranteed loan are subject to eligibility requirements, including income, property type, credit and property location. To determine if your property might be eligible, visit https://eligibility.sc.egov.usda.gov/eligibility/ and click on the "Single Family Housing Guaranteed" tab.
  3. Borrowing limited to homes in low- and moderate-income census tracts located in the Denver, Houston, Kansas City, St. Louis and Wichita areas. To determine if your property might be eligible, please contact your local Commerce Bank Mortgage Banker. Loan-to-value (LTV) is a ratio that measures the amount of mortgage loan against the appraised value of the property.
  4. Loan-to-value (LTV) is a ratio that measures the amount of mortgage loan against the appraised value of the property.
  5. Loan program available for purchase or refinance. Grant applies to purchases only.
  6. FHA Mortgage limits vary based on state and county of the property address. Visit https://entp.hud.gov/idapp/html/hicostlook.cfm to learn more.
  7. Income restrictions apply. Application income must be at or below 80% of FFIEC Median Family Income to be eligible for Neighborhood Connection® grant.
  8. Minimum credit score of 580 may be eligible for 97% LTV offer. Minimum credit score of 620 may be eligible for 100% LTV offer. Loans subject to credit approval.
  9. Not eligible if during the last 12 months you have had more than two 30-day late payments on non-housing related credit. May not have any late payments on rent or mortgage in last 12 months.

Commerce Bank and Fair Isaac are not credit repair organizations as defined under federal and state law, including the Credit Repair Organizations Act. Commerce Bank and Fair Isaac do not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating.

FICO® is a registered trademark of Fair Isaac Corporation in the United States and other countries.

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