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Neighborhood Connection® Home Loan1

Neighborhood Connection® loan programs provide affordable financing options for borrowers in low- and moderate-income census tracts, with up to 100% loan-to-value (LTV)2 financing to purchase a home or refinance3 the existing balance on a mortgage.

Neighborhood Connection® Home Loan1 Features and Requirements

Use the Neighborhood Connection® Home Loan to purchase a home or refinance your existing mortgage.

  • Eligible borrowers receive a $5,000 Neighborhood Connection® grant toward closing costs and down payment on purchase of primary residence4
  • Fixed-rate product
  • Maximum loan limits apply5
  • Loan applies only to purchases of primary residences or to refinance3 the balance of your existing mortgage on primary residence

  • Eligibility requirements:
    • Satisfactory employment history
    • Minimum FICO® score is 5806
    • Home buyer education with select HUD approved agencies required
    • Minimal late payment history acceptable7

Contact a Mortgage Banker  

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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, Houston, Kansas City, St. Louis and Wichita areas. To determine if your property might be eligible, please contact your local Commerce Bank Mortgage Banker.
  2. Loan-to-value (LTV) is a ratio that measures the amount of mortgage loan against the appraised value of the property.
  3. Loan program available for purchase or refinance. Grant applies to purchases only.
  4. Income restrictions apply. Application income must be at or below 80% of FFIEC Median Family Income to be eligible for Neighborhood Connection® grant.
  5. FHA Mortgage limits vary based on state and county of the property address. Visit to learn more.
  6. Minimum FICO® credit score of 580 may be eligible for 97% LTV offer. Minimum FICO® credit score of 620 may be eligible for 100% LTV offer. Loans subject to credit approval.
  7. 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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