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Couple sitting on the floor after renovating a room in their home

Renovate your home

Home renovation financing.

You supply the dream. We'll supply access to funding.

Whether it's on the top of your wish list or your to-do list, you can use our solutions to improve your living space and even the way you live.

Explore Solutions

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

Solutions that make it simple.

Home Equity Loan (HEL)2,3

Borrow against the equity in your
primary or secondary home
at a fixed rate.

Use the proceeds to consolidate
debt, repair your home
or other needs.

Learn More

Home Equity Line of
Credit (HELOC)

If funds aren’t needed at once
or the total need
amount isn’t known,
using your equity to establish a
HELOC may help.

Use the funds for big ticket home repair,
improvement or other needs.

Learn More

Ultimate Renovation

Borrow funds for major
home renovations to a
primary or secondary

Maximum loan amount is
based on the “After
Renovation”4 loan-to-
value (LTV) of your home.5

Learn More

Connection® Budget
Booster® Loan

Borrow up to $10,0007 at
a fixed rate to consolidate
debt, repair your home or
tackle home improvement

Learn More

Estimates at your fingertips.

Use our free mortgage calculators to get estimated answers to your financing questions, such as:

Here’s what you’ll need.

Before you start renovating your home, we can provide you with the right loan to help finance your project. Contact us to help explore your options and important considerations when weighing:

  • How much equity is available?
  • Would I be better served through a loan, line of credit or both?

Contact A Mortgage Banker 

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


  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. Not available in Texas.
  3. Rates are subject to change. These rates are available only for home equity loans. Your APR will be determined based on creditworthiness, customer relationship, loan-to-value ratio and loan term. Must be 18 years or older to apply. 
  4. Appraiser will determine the current value of the property plus the added value of the renovations.
  5. Minimum loan amount is $25,000. Maximum loan amount based on “After Renovation” loan to value (LTV).
  6. Borrowing limited to homes in low- and moderate-income census tracts located in the Houston, Kansas City, St. Louis and Wichita areas. To determine if your property might be eligible, please contact your local Commerce Bank Mortgage Banker.
  7. Minimum FICO® credit score of 580 may be eligible for 100% LTV offer, with a maximum loan of $5,000. Minimum credit score of 620 may be eligible for 105% LTV offer, with a maximum loan of $10,000. Loans subject to credit approval.

Commerce Bank and Fair Isaac are not credit repair organizations as defined under federal and state law, including the Credit Repair Organizations Act. Commerce Bank and Fair Isaac do not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating.

FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries.

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.

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