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Mortgage FAQs

You’ve got mortgage questions? We have answers! Explore answers to some of the most frequently asked questions our customers ask.

Log in to Online Banking to make a payment, view home loan details, payment history and statements. Just click your mortgage balance that displays on the Account Summary Page.

If you don’t already have access, it’s free to activate Online Banking.

You can still access the same information in Commerce Home Hub by logging in to Online Banking to access your mortgage account.

Log in to Online Banking to make mortgage payments and view home loan details, payment history and statements by clicking your mortgage balance that displays on the Account Summary Page.

To make a mortgage payment in Online Banking, click on your mortgage loan from the accounts. This will take you to the options for your account. To make a payment, click on the “Payment” tile.

If you don’t have already have access, it’s free to activate Online Banking. You may also call 800-821-0083 to make a payment.

Yes. Log in to Online Banking to access your mortgage account to set up automatic payments or talk to a Mortgage Servicing Representative at 800-903-3210.

If you don’t already have access, it’s free to activate Online Banking. You may also call 800-903-3210 to talk with a representative to set up automatic payments.

Or, you can submit a completed ACH Authorization Form along with a blank, voided check. Mail both to:

Mortgage Servicing
Commerce Bank Mortgage
922 Walnut St, Suite 1100
Mailstop: TB11-CM3
Kansas City, MO 64106

Log in to Online Banking to view statements by clicking your mortgage balance that displays on the Account Summary Page.

If you don’t have already have access, it’s free to activate Online Banking. You may also call 800-821-0083 to request a monthly billing statement or send an email directly to ask.cbm@commercebank.com with your request. Emails are answered within two business days.

Changing the date of a mortgage payment is not allowed. The due date for your mortgage payment typically is the first day of the month.

The current interest rate on your mortgage can be viewed on the Mortgage Account Summary Page in Online Banking, or you can call a Mortgage Servicing Representative at 800-821-0083 or send an email directly to ask.cbm@commercebank.com. Emails are answered within two business days.

If you don’t already have access, it’s free to activate Online Banking.

You can view this information in Online Banking on the Account Summary Page for your mortgage account.

If you don’t already have access, it’s free to activate Online Banking. Also, you may call 800-821-0083 or email questions to ask.cbm@commercebank.com. Emails are answered within two business days.

Please contact a Mortgage Servicing Representative at 800-821-0083 or email us directly at ask.cbm@commercebank.com to discuss your situation. Emails are answered within two business days.

You can access this information through Online Banking. First, select your mortgage account on the “Account Summary” page. Available Billing Statements, 1098s and Escrow Analysis can be found on the “Documents” tile. For other documents, contact a Mortgage Servicing Representative at 800-821-0083, or send an email directly to ask.cbm@commercebank.com. Emails are answered within two business days.

If you don’t already have access, it’s free to activate Online Banking.

The best option is to talk to a Mortgage Banker at 800-903-3210 to discuss your current situation and to see what options are available to you.

Yes. We do not charge an early payoff fee if you pay off your mortgage due to additional principal payments. Just log in to Online Banking, contact us at 800-821-0083 or email ask.cbm@commercebank.com to learn more. Emails are answered within two business days.

If you don’t already have access, it’s free to activate Online Banking.

Payoff quotes can be obtained through self-service at 800-821-0083. Or, you can contact a Mortgage Servicing team member at 800-821-0083 or by email at ask.cbm@commercebank.com. Emails are answered within two business days.
You can visit the Account Summary Page in Online Banking, contact a Mortgage Servicing team member at 800-821-0083 or email ask.cbm@commercebank.com to get your loan balance. Emails are answered within two business days.

You can access this information through Online Banking. First, select your mortgage account on the “Account Summary” page. Available Billing Statements, 1098s and Escrow Analysis can be found on the “Documents” tile. For other documents, contact a Mortgage Servicing Representative at 800-821-0083, or send an email directly to ask.cbm@commercebank.com. Emails are answered within two business days.

If you don’t already have access, it’s free to activate Online Banking.

Refinancing your mortgage may require an origination fee, appraisal fee, title fees and recording fees. You also will pay closing costs when you refinance. Each refinance situation is different, so the best option is to contact a Mortgage Banker at 800-903-3210 to discuss your situation.
Each mortgage situation is different, so the best option is to contact a Mortgage Banker at 800-903-3210.
If you’re considering refinancing your mortgage, call to talk to a Mortgage Banker at 800-903-3210 to learn more about your options.

A mortgage recast occurs when we reduce your mortgage payment, at your request, after you have paid a large sum of money toward the principal balance of your loan.

You must request a recast in writing; we will not adjust your payment amount without your request.

Please contact a Mortgage Servicing team member at 800-821-0083 or email ask.cbm@commercebank.com for details about how to initiate the request.

You can send a written request regarding your dispute to:

Mortgage Servicing

Commerce Bank Mortgage
922 Walnut St, Suite 1100
Mailstop: TB11-CM3
Kansas City, MO 64106

Please complete the Credit Report Dispute Form and mail it to:

Commerce Bank Mortgage Dispute Representative
922 Walnut, Suite 1100
Mailstop: TB11-CM3
Kansas City, MO 64106

For questions:
Phone: 800-821-0083

Please call our Mortgage Servicing team at 800-821-0083 as soon as possible to discuss your situation. We are here to help and will work with you to find the best solution for your circumstances.
Please call our Mortgage Servicing team at 800-821-0083 as soon as possible to discuss your situation. We are here to help and will work with you to find the best solution for your circumstances.
Please call our Mortgage Servicing team at 800-821-0083 as soon as possible to discuss your situation. We are here to help and will work with you to find the best solution for your circumstances.
Transferring a mortgage is not an option, but you can refinance your mortgage with a different lender.

The Federal National Mortgage Association — FNMA or “Fannie Mae” — was created by Congress in 1938. The Federal Home Loan Mortgage Corp. – FHLMC or “Freddie Mac” – was created by Congress in 1970.

Fannie Mae and Freddie Mac exist to provide liquidity, affordability, and stability in the housing market by increasing the availability and affordability of mortgage credit.

These government-sponsored enterprises buy loans from banks and other lenders, pool them together, and then sell them as mortgage-backed securities to investors. This effectively creates a secondary market, allowing lenders to free up capital and continue lending to homebuyers while investors can potentially receive income from interest payments on the underlying mortgages. Fannie Mae and Freddie Mac operate as publicly traded companies, but their operations are backed by the federal government.

A non-conforming mortgage, also known as a jumbo mortgage, is a type of home loan that exceeds the limits set by Fannie Mae and Freddie Mac.

Conforming mortgages must adhere to certain guidelines in terms of loan size, credit score, debt-to-income ratio, and other factors. Any loan that doesn’t fit the criteria (for example, exceeding the loan size limit) is considered non-conforming.

Non-conforming mortgages are typically considered higher risk. This means that they may be more difficult to obtain (more stringent credit requirements and documentation) and may be more expensive (higher interest rates) than a conforming mortgages.

Yes, we offer loans for purchasing land only. Call 800-903-3210 to talk with a Mortgage Banker about your goals.

Commerce Bank NMLS#411948

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