CDFI Certified

We believe in the power of home.

At Commerce Home Mortgage, we believe in the power of home. But not everyone who dreams of buying a home is able when faced with the stringent requirements of traditional lending. At Commerce, we want to find solutions to your unique needs and help you get into the home of your dreams. We are a certified Community Development Financial Institution (CDFI), which enables us to turn those dreams into reality.

As a CDFI-certified lender, Commerce Home Mortgage offers a variety of traditional and non-traditional products for the self-employed, cash-business owners and various other borrowers who want to invest in their neighborhoods where opportunities may be limited otherwise. Commerce Home Mortgage is one of about 1,000 CDFIs operating nationwide.

Our CDFI status enables us to help borrowers in underbanked communities get the financing they need to invest in their communities and have a place to call home. We are here for you.

Changing Our Communities One Home at a Time

Hear What Our Clients Have to Say…

“Being a first-time homebuyer comes with its own set of challenges, facing the unknown, getting the required documents, and trying to decide what loan product best meets our needs. We contacted Commerce and our fears were immediately put to rest. They were easy to speak with, gave us all of the loan options we qualified for, and gave us the confidence to get through the entire process. We were able to easily overcome many obstacles working with Commerce. We are grateful for Nick and his team getting us to the finish line – we got the loan and the house of our dreams!”


Tori S.

FHA Loan
“When we first decided to buy our first home, we were initially afraid of the process. We tried to research as much information as possible to try to prepare ourselves for the unknown. Once we decided on the neighborhood we wanted to live in, we talked to quite a few neighbors in the area, and they all recommended Commerce. Once we started working with Commerce, all our fears were put to rest. Stephen Sepulveda and his team did an outstanding job of helping us navigate through the entire process with no issues. They also educated us on the process of buying a house from start to finish. We are currently living our best lives in our dream home, thanks to Commerce.”


James E.

VA Loan
“As a first-time homebuyer, single parent and dealing with the Covid pandemic, I faced several challenges getting the required documents and trying to decide if I was really ready to purchase. I chatted with a Rep from Commerce and was reassured that everything will be fine and no need to worry. The rep was pleasant and spoke to me with a very calling voice. She offered all loan options I qualified for, and gave me confidence to get through my FTHB process. I overcame my obstacles and appreciated my experience Commerce had to offer.”


Rosallyn B.

FHA Loan
“The best thing I did during the stressful process of buying a house was switch my mortgage loan to Commerce Home Mortgage. CHM gave me the best interest rate and the customer service was the best. When I had a question or needed something done, they were on top of it and got it done in a timely manner. I definitely recommend Commerce to everyone who is looking into buying a house.”


Analyse J.

VA Loan
“I started with another bank, but found out they were giving me a high interest rate. My relator told me to try Commerce Home Mortgage. With Commerce, it took less than three weeks to close with a lower interest rate. I’m a homeowner because of Commerce. They are very transparent, on time, and trustworthy.”


Louisa D.

FHA Loan