Welcome to our updated site! We’re excited to announce we’ve updated our site. Among other enhancements you’ll find a new Education Center with helpful articles on a range of financial topics.  We hope you stop by often to see what’s new!

Education Center

Owner-Occupied Commercial Real Estate

A permanent home for your business.

Are you looking for a new place to house your business? Or, considering the purchase of the building your office currently occupies? An owner-occupied commercial real estate loan can help secure financing for the acquisition of a building, the refinancing of an existing property, or for making improvements to your existing property. In order to qualify for this special type of financing, you must occupy 51% or more of your building, which can include common areas.


Our owner-occupied commercial real estate options include:


Conventional OOCRE Loan

  • Term loan up to 10 years with 25 year amortization*, 80% maximum loan to value
  • Includes tenant improvements, purchase, and refinance of existing properties


SBA 504 Loan for CRE Acquisition

  • Term loan up to 25 years for up to $11.25 million
  • Includes tenant improvement and equipment funding


SBA 7a Loan for CRE Acquisition

  • Term loan up to 25 years for up to $5 million
  • Includes tenant improvement, equipment funding, and working capital funding

*Balloon payment may be required at maturity.

All loans subject to approval.

Request a free consultation.

Reach out to one of our lending professionals now.

Meet our OOCRE Team

Bryce Payne

VP, Relationship Manager

I work with real estate developers, investors and their advisors to help capitalize projects, manage risk, build wealth, and enhance communities.

Carmen Esteban

VP, Relationship Manager

Cliff Endresen

Relationship Manager

I have 30 years of experience in lending on income properties, including originations, underwriting, servicing and asset management.

David Burt

Vice President, Relationship Manager

I have over 25-years of experience lending on investment income-producing properties. 

Diane Leonidas

VP, Relationship Manager

I am a senior commercial real estate lending officer with expertise in construction and permanent loan structuring and underwriting.

Jeff James

SVP, Production Manager

I have over 25 years of experience, spanning from lending and real estate investment banking to appraisal, institutional sales, and advisory services. 

Jon Red

SVP, Fannie Mae Director

Over a 30 year career in commercial real estate, I have financed over $2 Billion both as an originator and credit officer.

Kegan Sharp

VP, Wholesale Relationship Manager

I am responsible for originating and closing investment commercial real estate loans. 

Kris Hollingshead

VP, Relationship Manager

I joined HomeStreet in 2015 with the goal of serving middle-market customers with a broad range of commercial real estate products.

Maria Pappas

VP, Relationship Manager

 I provide commercial real estate and business loans, lines of credit, treasury management and deposit solutions to help clients reach business goals.

Todd Burchett

VP, Relationship Manager

I work with real estate developers and investors to enhance the communities they serve while creating sustainable, accretive real estate investments.

This website uses cookies in order to offer you the most relevant information. Please "Accept & Continue" for optimal site performance. For more information, please visit our Privacy Policy page.