Home Financing

Whether you are building a home, buying a home, refinancing a home, or renovating a home, The Private Bank at Commerce Trust has home financing solutions to meet your unique needs. With a Private Banker on your side, you’ll have:
- A single point-of-contact for all your Commerce Trust financial services
- An advisor who can help you find the right financing solution
- Personal service when and where it is convenient for you
- An Advisor to Discuss Your Options When Adding Real Estate to Your Portfolio
Jumbo Mortgage
If you plan to upgrade your primary or vacation home, you may need a jumbo loan - starting at $548,250.* Choose The Private Bank for your jumbo loan to:
⦁ Purchase a home, refinance a home, or cash-out single family, multiunit, and condo properties
⦁ Close within 30 days for a new home purchase
⦁ Explore fixed and adjustable-rate loan options
⦁ Have access to loan amounts up to $2,500,000
* In the Denver metropolitan area, minimum loan amount of $596,850 (single family residence) in most counties.

Home Equity
Tap into the equity in your home when you need to with a reusable line of credit or cash out and make the most of your home's value with a single large loan. You can use the funds to start a new home improvement project, consolidate old debt or pay for an unplanned expense.
With a Home Equity Loan:
⦁ Borrow up to 85% of your home’s available equity
⦁ Know your monthly payment because you have a fixed interest rate for the life of the loan
⦁ No application fees, no bank fees at closing and no early payoff fees
⦁ Interest may be tax deductible – check with your tax advisor
A Home Equity Line of Credit:
⦁ Is an ongoing source of funds
⦁ Has variable interest rates that follow the market
⦁ Has no application fees, no bank fees at closing and no early payoff fees
⦁ Offers interest that may be tax deductible – check with your tax advisor

When you decide to build a custom home, you have enough questions to answer from floor plans to granite or marble. Choose The Private Bank to provide the financing you need to make your dream a reality.
When you work with a Private Banker, you will:
⦁ Have a single point-of-contact to coordinate the construction process between the builder, subcontractors and the title company
⦁ Lock in your end loan interest rate prior to the start of construction
⦁ Enjoy the convenience of your Private Banker coordinating construction advances
⦁ Receive exceptional personal service from Commerce for the life of your loan because it will never be sold
⦁ Specialty loans such as bridge loans and land-only loans
⦁ High loan-to-value loans including zero down payment and cash-out refinancing


NMLS#798722
The Private Bank at Commerce Trust is a business unit of Commerce Trust, a division of Commerce Bank. Products and services referenced here are available through bank and non-bank affiliates of Commerce Bank.
Mutual funds, annuities, and other investment products: Not FDIC-insured | May lose value | No bank guarantee
Investing involves risk. There is always the potential of losing money when you invest in securities.
Commerce Trust does not provide legal, tax or accounting advice. You should consult your legal and/or tax advisors before making any financial decisions.
Asset allocation, diversification and rebalancing do not ensure a profit or protect against loss in declining markets.
Past performance is no guarantee of future results.