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Please contact a Commerce Bank of Arizona representative at 520-325-5200 for enrollment.

Home Mortgage Loans

Call our residential mortgage specialist, Karmin Laramie Lynam, at 520-797-6655.

Commerce Bank of Arizona offers a wide variety of mortgage solutions for purchasing a new home or refinancing an existing home.
(Residential mortgages are available for single family residences of one to four units on primary residences, second homes and vacation homes. Certain interest paid may qualify for a tax deduction; consult your tax advisor for further information.)

Conventional Home Mortgages


Whether you are a first time home buyer or moving to a new home, Commerce Bank of Arizona works to find the best financing solution to meet your needs. There are a variety of products available for new home purchases as well as vacation and second homes.


Refinancing an existing home loan can meet personal financial needs such as reducing monthly payments or combining a first and second mortgage.

Jumbo Loan

This refers to non-conforming loans over $417,000. Commerce Bank offers 30 and 15 year fixed rate mortgage and competitive ARM products.

FHA and VA Mortgages

FHA Purchase

This is a practical product for first-time home buyers.  FHA financing allows a buyer to make a down payment as low as 3.5% of the purchase price, allows for easy qualifying if you have less than perfect credit, and allows you to finance up to an additional $5,000 for a home repair escrow all in one loan.

FHA Streamline Refinance

If you currently have an FHA loan that you’d like to refinance at a lower interest rate, you may want to consider a streamline refinance.There are two types of streamlines, with or without an appraisal.

A streamline without an appraisal is something to consider if you prefer to pay for your closing costs out of pocket, have made your mortgage payments on time for the last year, and have owned your own property for at least six months. You do have the option of financing the upfront mortgage insurance premium as long as the new loan amount does not exceed the original loan amount.

A streamline with an appraisal is something to consider if you prefer not to pay closing costs and have enough equity to finance these costs within the new mortgage amount.

VA Purchase

If you have a veteran’s Certificate of Eligibility and a VA assigned appraisal on the home you wish to buy, a VA loan allows you to purchase a home with little or no down payment at a very competitive interest rate.

Contact your local VA office to complete VA Form 26-1880, Request for Determination of Eligibility and Available Loan Guaranty Entitlement or check this website:

VA Streamline Refinance

If you currently have a VA loan that you’d like to refinance at a lower interest rate, this program allows you a fast, easy and trouble-free way to refinance your current VA home loan.

Conventional Loan Terms


Want stability? A fixed-rate loan gets you evenly divided monthly payments spread over 15 or 30 years. You'll know exactly what your principal and interest payments will be each month for the life of the loan.


Want flexibility? Payments tend to be lower with an adjustable-rate mortgage (ARM) because you share some of the lender's risk if interest rates rise significantly in the future. (Annual and lifetime floor and ceiling caps on the loans keep rates in check.) Generally, ARMs are easier to qualify for than fixed-rate loans and they offer significant savings up front, allowing you to plan for larger monthly payments that will begin after the initial rate period has expired.

Information Needed

Full Documentation for Income and Asset verification:

Salaried Borrowers

  • Most recent pay stubs for the last two pay periods
  • Last two years of W-2 statements and / or 1099’s for all borrowers
  • Social Security award letter, if applicable
  • Pension letter, if applicable

Self-Employed Borrowers

  • Last two years tax returns, all schedules, all pages to include K-1’s and / or a copy of the filed extension, if applicable
  • Year-to-date profit and loss statement and balance sheet, if beyond June 30th

Deposit Verification

  • Copies of most recent bank account statements all pages, front & back
  • Copies of most recent asset account statements all pages, front & back, including money market funds, mutual funds, stock accounts, IRAs, CDs, etc.

Miscellaneous Borrower Documents - If applicable

  • Trust Agreement, all pages
  • Divorce decrees, child support agreements, or separate maintenance agreements
  • Copies of any lease agreements for any rental properties you own
  • Purchase contract, if buying home


Commerce Bank of Arizona offers experienced bankers in personal and business financing.

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