Refinance a LoanBuyRefinanceFind an AdvisorPayment CenterMENU The Refinancing ProcessEvery Step We Take is StraightforwardRefinancing is a significant financial decision, but that doesn’t mean it has to be stressful. We’ll lay out the pros and cons and walk you through our simple, hands-on process.1. DecideTalk to your mortgage advisor to determine whether refinancing makes sense for you. Consider whether the payoff justifies the costs, long-term financial impacts, and payback period.2. ApplyGather documents and submit your application. Then we’ll order an appraisal and analyze your credit, income, and assets.3. Await UnderwritingYou may be asked for more information while your file is being underwritten. Continue to communicate with your Commerce Home Mortgage advisor for updates.4. CloseIt’s official! Soon after signing the loan documents, you’ll receive your funds.Find a Mortgage Advisor or Branch BranchesLoan OfficersTeam MembersPhilanthropiesLicenses Search Search Easy Online AccessUpload information, e-sign documents, and track your loan status conveniently and securely through our digital loan center.