Buy or Remodel a Home

Remodel or Buy a Home

Buying a home or fixing it up, Commerce can help keep up your castle.

  • Finance home improvements
  • Buy or refinance a home or vacation property
Choose a Commerce solution for your home-buying or remodeling need.

Helpful Tools

Type How it helps you Amounts available Access to funds Get answers

Mortgage

Apply Online
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  • Fixed and Variable rate, FHA/VA and Jumbo loans available
  • Tax deductible interest*
  • Buy, build or refinance
  • Get prequalified before you look for your new home
Varies At closing

Home Equity Loan

Apply Online
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  • Predictable payment, tax-deductible interest *
  • When you know how much you need or have a fixed budget
$10,000 minimum; up to 90% of the equity in your home Three business days after closing, by check or direct deposit into your Commerce account

Personal Loan

Apply Online
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  • Low fixed rate, no collateral required
  • When you have a set amount you want to borrow
  • Fixed payments for easier budgeting and peace of mind in knowing when it will be paid off
$7,000 minimum Same day, by check or direct deposit into your Commerce account.

Home Equity Line of Credit

Apply Online
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  • Low interest rates, tax-deductible interest *
  • When you donít know how much cash youíll need and want the peace of mind knowing the line is there when you need it
Up to 90% of the equity in your home Three business days after closing. Write checks or transfer funds in Online Banking, by phone or in the branch.

ReadyLine of Credit

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  • Ongoing source of funds
  • Check access for expenses that canít be paid with a card such as appraisals and independent contractors
$500 to $15,000 Same day, write checks or get cash advances in the branch

Credit Cards

Apply Online
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  • Earn rewards when you use it
Varies Upon receipt of card

Disclosures:

  • Consult your tax advisor regarding the deductibility of interest.