Skip To Main Content
Enjoy time doing with what's important to you when you refinance your mortgage.

Mortgage Refinancing

Refinance your mortgage.

There are many reasons our customers consider a mortgage refinance. Whether it’s debt consolidation, switching from an adjustable-rate loan to a fixed-rate loan, cashing out equity to address other costs, paying less interest with a shorter-term loan or converting an FHA loan to a conventional mortgage, we have the solutions1 to address your needs.

Start My Application

When you’re ready, we’re ready.

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

Check today’s rates

See the current rates from Commerce Bank Mortgage.

Check Rates

Start your application

Take the next step and
apply online.

Apply Online

Find the rate, term and amount you need – and bring it home.

Explore a few of the solutions we offer for your home financing needs.

Check Rates Apply Online

How does a refinance work?

Typically, a refinance requires a property appraisal, processing, and closes in about a month. The terms of the new mortgage may include a “cash out” provision, which allows you to access your home’s built-up equity to use toward other financial goals. Once completed, your refinance results in a new loan with a new payoff term, new interest rate and new cost.

How does a refinance work?

View Text-Friendly Version

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

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

  • Total monthly income, before and after taxes
  • 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 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.

Commerce Bank Mortgage Online Access.

Access your Commerce Bank Mortgage loan information.

Log in or sign up

Get help with your Commerce Bank Mortgage.

Visit our self-service center to:

  • Make a mortgage payment.
  • Learn what to do if you encounter a hardship (e.g., job loss, natural disaster).
  • Get answers to frequently asked questions about your Commerce Mortgage.
  • Find contact information for your Commerce Bank Mortgage team.

Visit Mortgage Servicing

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

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 does not lend in Maryland. 
  2. Minimum loan amount is $766,550 where Jumbo Mortgages are offered, except in the Denver metropolitan area. In the Denver metropolitan area, minimum loan amount is $856,750 (single family residence) in most counties.
  3. 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.

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.

To view or print a PDF file, Adobe® Reader® 9.5 or above is recommended. Download the latest version.

Back to top