Home Equity Loan

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Home Equity Loan

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Home Equity Lending
1. Home Equity Loans

Borrow against your home equity for debt consolidation, home improvements or other major expenses.

The equity in your home belongs to you. Let us show you how to use it. Contact us today and find out how you can use the equity in your home as a great source of financing for college tuition, a wedding, a room addition, or a home improvement.

Our home equity loans have a fixed interest rate for the life of the loan, so you’ll have predictable monthly payments for easier budgeting.

Apply now for a Commerce Home Equity Loan Need more answers?

Home Equity Loan Fixed Rates* footnote star

What is a home equity loan?

A home equity loan is tied to the equity you've built into your home through mortgage payments.

Home Equity Loan terms

Take advantage of flexible terms - long, short or somewhere in the middle. Let’s find a financing plan that works for your unique needs.

Home Equity Loan Features

- Borrow up to 90% of your home’s available equity, with a minimum loan amount of $10,000.

- No bank fees at closing and no annual usage or early payoff fees.

- Interest may be tax deductible - check with your tax advisor.

Get a home equity loan in 3 easy steps.

Application

Start by submitting your application in 20 minutes or less.

Documentation

Work with your home equity specialist to provide frequently required information and documentation.

Closing

Set up closing after submitting the application and documentation to receive your funding.

Home Equity Loan Calculators

Home equity loan payment calculator
How long until my loan is paid off?
Should I consolidate my personal debt into a new loan?
Compare a home equity loan to a traditional mortgage.
How long will it take to pay off my credit cards?

Home Equity Line of Credit

Tap into the equity in your home when you need to with a reusable line of credit.

Home Equity Loan FAQs

How large of a home equity loan can I get?

How long are home equity loans?

What is the difference between a home equity loan and mortgage refinance?

How long does it take to get a home equity loan?

Ideas & Tips

Why and how homeowners build equity.

Home equity loan or a home equity line of credit: what’s the difference?

Disclosures:

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 (LTV) and loan term. Must be 18 years or older to apply.

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