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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.

Diane Leonidas

VP, Relationship Manager

"I joined HomeStreet Bank in 2007 as Vice President and Loan Officer and two years later I was promoted to Vice President and Construction Lending Manager, the position I have today.

I am a senior commercial real estate lending officer with expertise in construction and permanent loan structuring and underwriting for retail, office and industrial projects; multifamily rental and condominium housing (including affordable housing with tax-exempt bonds and low-income housing tax credits); and medical facilities, hotels and mixed-use developments.

Individual transactions typically range from $3 million to $40 million and include construction loans, land and pre-development loans, permanent loans, lines of credit and credit enhancement for mortgage revenue bonds.

Learn more about our Commercial Real Estate Loans
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