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Mortgage Refinancing

Mortgage Refinancing

Ultimate Cash-out Refinancing Program

Home equity loans and home equity lines of credit allow you to access the equity in your home and provide a source of funds for the things you need. In addition to these great solutions, we offer even more flexibility for your borrowing needs through our exclusive Ultimate Cash-out Refinancing program.1

At Commerce, we’ve helped customers like you become homeowners for more than 150 years. So whether you have questions about buying for the first time, making a big move or refinancing your current home, we can provide answers.

Your situation is unique, but creditworthy clients should:

  • Maintain a FICO score above 7002
  • Meet debt to income requirements

You’ll need private mortgage insurance, which can be paid as monthly payments or upfront. Mortgage insurance coverage amounts depend on LTV. Additional information follows:

  • Borrow up to $1,000,0003
  • Financing available for various loan repayment terms
  • Program only applies to refinances of primary residences

Refinancing your home through our Ultimate Cash-out Refinancing program allows you to:

  • Be approved for a loan up to 90% or 95% loan-to-value (LTV), depending on loan amount3
  • Receive up to $250,000 cash out
  • Avoid multiple loans and access more of your home’s equity with a single loan
  • Lower monthly payments through longer terms

Do the math

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Commerce Bank NMLS#411948


  1. Not available in Texas
  2. Loans exceeding $700,000 and up to $1,000,000 require a credit score of 740 or above
  3. Loans up to $700,000 may qualify for 95% LTV offer. Loans exceeding $700,000 and up to $1,000,000 in value may be eligible for 90% LTV offer. Loans subject to credit approval.