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Neighborhood Connection® Budget Booster® Loan1

Neighborhood Connection® loan programs provide affordable financing options for borrowers in low- and moderate-income census tracts.

The Neighborhood Connection® Budget Booster® Loan allows up to 105% combined loan-to-value (LTV)2, 3 financing for consolidating debt, home improvements and repairs.

Call our Concierge Team at 844-340-2574 for current rates.

Apply Online

Call 844-340-2574 for rates

Features and requirements:

Use the Neighborhood Connection® Budget Booster® Loan to consolidate debt, finance a home improvement or to cover home repairs.

  • No bank fees at closing
  • Fixed-rate product
  • Borrow up to $10,0003
  • Competitive interest rate, low monthly payments
  • Eligibility requirements:
    • Satisfactory employment history
    • Minimum FICO® score is 5803
    • Minimum two tradelines or non-traditional credit
    • Minimal late payment history acceptable4

Contact a Mortgage Banker

Call Our Concierge 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.

Contact a Mortgage Banker

Commerce Bank NMLS#411948


  1. Borrowing limited to homes in low- and moderate-income census tracts located in the Denver, Kansas City, St. Louis and Wichita areas only. To determine if your property might be eligible, please contact your local Commerce Bank Mortgage Banker.
  2. Combined loan-to-value (LTV) ratio (including prior mortgages or liens).
  3. Minimum FICO® credit score of 580 may be eligible for 100% LTV offer, with a maximum loan of $5,000. Minimum FICO® credit score of 620 may be eligible for 105% LTV offer, with a maximum loan of $10,000. Loans subject to credit approval.
  4. 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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