Skip To Main Content
Buyers looking for a new home for their growing family.

Get preapproved: Here’s what you’ll need.

Before you start looking for your home, we can provide you with loan preapproval. In a competitive housing market, sellers tend to give preapproved buyers first consideration.

You’ll need:

  • Total monthly income, before and after taxes
  • Available down payment amount
  • House payment that fits your budget

Get Preapproved

You’re preapproved. You’ve found your dream home. Now what?

For a home purchase, you can help speed up the loan decision process by providing:

  • Sales contract (fully executed, signed by all parties)
  • Current pay stub(s) for most recent 30 days of pay
  • W-2 forms from the previous two years
  • Bank statement(s) for the past two months from the account(s) you’ll use for the down payment and closing costs
  • Deposit for prepaid third-party charges (ask your Mortgage Banker)
  • Personal federal income tax returns with all schedules for the past two years if you're self-employed, own 25% or more of a business or receive commission-based income.

When you’re ready, we’re ready.

Check today’s rates and start your application — all with a few clicks.

Check Today's Rates

Whether you're buying or
refinancing, see the current
rates from Commerce Bank

Check Rates

Start Your Application

Take the next step and
apply online.

Apply Online

Commerce Bank branding

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


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.

To send an email that contains confidential information, please visit the Secure Message Center where there are additional instructions about whether to use Secure Email or Online Banking messaging.

Back to top