Home Ownership

Building, buying and beyond.

Owning a home comes with big decisions—and big opportunities. Whether you're exploring mortgage options, considering a HELOC, or looking for tips to enhance your investment in your home, we’re here to help you feel more prepared and confident every step of the way.

Featured Article

Your mortgage preapproval checklist: What to know before you start house hunting.

As a first-time homebuyer, getting preapproved for a mortgage can help you understand your budget, narrow down your search and show sellers you're ready to buy.

Learn more

Your mortgage preapproval checklist

When to refinance your mortgage.

How much house can you afford?

Should You Pay Extra On Your Mortgage Principal?

Bouncing back: Buying a house after job loss, divorce or debt.

Eight simple ways to save for a home purchase.

Explore More Articles Explore More Topics

Short answers for big home questions.

"Getting Started" transcript opens in a new window^{PDF footnote}

"How to Apply" transcript opens in a new window^{PDF footnote}

"Refinancing" transcript opens in a new window^{PDF footnote}

Home Ownership Tools from Commerce.

Disclosures:

To view or print a PDF file, Acrobat^® Reader^® 9.5 or above is recommended. Download the latest version opens in a new window.

Careers

Join Our Team
Get Connected
Team Member Stories
Follow Us on Instagram

You are now leaving the Commerce Bank website.

By clicking the "I Agree" button below, you acknowledge and agree to the following:

You will leave the Commerce Bank website and enter a third party social media/collaboration website. The information shared on Instagram.com is not the responsibility of Commerce Bank and we are not responsible for the content shared between users and participants on the site. Please note that Instagram.com may have its own privacy and security policies which differ from those of Commerce Bank.

Never share your personal information on Instagram.
Upcoming Events

You are now leaving the Commerce Bank website.

By clicking the "I Agree" button below, you acknowledge and agree to the following:

You will leave the Commerce Bank website and enter a third party social media/collaboration website. The information shared on Facebook.com is not the responsibility of Commerce Bank and we are not responsible for the content shared between users and participants on the site. Please note that Facebook.com may have its own privacy and security policies which differ from those of Commerce Bank.

Never share your personal information on Facebook.

You are now leaving the Commerce Bank website.

By clicking the "I Agree" button below, you acknowledge and agree to the following:

You will leave the Commerce Bank website and enter a third party social media/collaboration website. The information shared on Twitter.com is not the responsibility of Commerce Bank and we are not responsible for the content shared between users and participants on the site. Please note that Twitter.com may have its own privacy and security policies which differ from those of Commerce Bank.

Never share your personal information on Twitter.

You are now leaving the Commerce Bank website.

By clicking the "I Agree" button below, you acknowledge and agree to the following:

You will leave the Commerce Bank website and enter a third party social media/collaboration website. The information shared on LinkedIn.com is not the responsibility of Commerce Bank and we are not responsible for the content shared between users and participants on the site. Please note that LinkedIn.com may have its own privacy and security policies which differ from those of Commerce Bank.

Never share your personal information on LinkedIn.

You are now leaving the Commerce Bank website.

By clicking the "I Agree" button below, you acknowledge and agree to the following:

You will leave the Commerce Bank website and enter a third party social media/collaboration website. The information shared on Instagram.com is not the responsibility of Commerce Bank and we are not responsible for the content shared between users and participants on the site. Please note that Instagram.com may have its own privacy and security policies which differ from those of Commerce Bank.

Never share your personal information on Instagram.

You are now leaving the Commerce Bank website.

By clicking the "I Agree" button below, you acknowledge and agree to the following:

You will leave the Commerce Bank website and enter a third-party social media/collaboration website. The information shared on YouTube.com is not the responsibility of Commerce Bank and we are not responsible for the content shared between users and participants on the site. Please note that YouTube.com may have its own privacy and security policies which differ from those of Commerce Bank.

Never share your personal information on YouTube.

Privacy Statement | Online Privacy Policy & Terms of Service | En Español

Copyright © 2026 Commerce Bancshares, Inc. All rights reserved. Commerce Bank, Member FDIC.