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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.

Bryce Payne

VP, Relationship Manager

"I am a seasoned professional who works with both end users of capital (real estate developers and investors) and their advisors (mortgage brokers) to help them capitalize projects, manage risk, build wealth, and enhance communities.

I am known for a willingness to tackle complex deals, a thoughtful and creative approach, and the ability to craft financing solutions that meet the needs of both the client and capital provider.
Since joining HomeStreet in 2013, I have provided over $600 million in senior debt financing for clients across all our major platforms – Fannie Mae DUS®, perm and construction. I’m honored to have been recognized for outstanding achievements by being named to President’s Club. Loans have generally ranged from $3 to 30 million. Curious if I’ve financed something like what you’re trying to do? Ask.

Selected clients:

Capstone Partners
Gramor Development
Killian Pacific
Mountain West Investment Corporation
Schlesinger Companies
Projects I have financed have garnered coverage in regional and national media, including Bisnow, Daily Journal of Commerce, The Oregonian, Portland Business Journal, and Urban Land.

Passionate about design, I believe what we create matters – these are the places where people live, work, shop and dine – and love working with clients to help them realize their dreams.

Prior experience

I have over 15 years of experience in commercial real estate and finance and have previously held positions with C.E. John Company, Inc., Wells Fargo, and Autodesk. During my time with Wells Fargo, I helped to establish its Portland middle market real estate presence and grow its Oregon portfolio to over $1 billion. During my career, I have financed over 4 million square feet of real estate for clients in markets across the United States.


I hold an MBA from the University of Oregon, an MRED from Portland State University, an HBA in Computer Science and HBS in Business Administration from Oregon State University and am a graduate of the Portland Business Alliance’s Leadership Portland program.

Professional affiliations

Mortgage Bankers Association – Capital Council, Community Bank Roundtable
NAIOP, the Commercial Real Estate Development Association
Urban Land Institute – ULI Next, chair emeritus

My passion for real estate began when I was a kid. Ask me about it.

When not at work, I enjoy being outside, spending time with friends and family, traveling, and taking pictures. 

Learn more about our Commercial Real Estate Loans
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