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Family applying for a mortgage with a lender

Mortgage Application

Apply for a mortgage

Start your application online

Mortgage applications require paperwork but applying online can help you cut through the clutter. Skip the scavenger hunt for your financial documents and let us gather them with your permission.

After creating your account, you’ll have access to a custom dashboard with the current status of your mortgage application, including next steps to keep moving forward. The following checklist will help you get started. If you want to know more about the mortgage process, check out our video below.

Apply Now

What do you need to get a mortgage?

Before you start looking for your home, we can provide you with pre-approval for the loan you’ll need to purchase it later. In a competitive housing market, sellers tend to give pre-approved buyers first consideration because their credit has been verified. Apply online, it's simple.

You will need the following information:


  • Total monthly income, before and after taxes
  • Available down payment amount
  • House payment amount that you’re comfortable with

Home Purchase

  • Sales contract, fully executed and signed by all parties
  • Bank statements from the last 60 days for account(s) used to cover down payment and closing costs
  • W-2 forms going back from the last two years
  • Pay stub(s) from your most recent 30 days of work


  • W-2 forms going back from the last two years
  • Pay stub(s) from your most recent 30 days of work

Purchase your dream home!

Need help?1

Call 816-760-3663

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Commerce Bank NMLS#411948


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 lends in Arizona, Colorado, Florida, Illinois, Kansas, Kentucky, Michigan, Minnesota, Missouri, Ohio, Oklahoma, Tennessee and Texas.

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