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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.

Jon Red

SVP, Fannie Mae Director

"With over $650M in loans originated since joining Homestreet in 2014, I am honored to be a 4-time recipient of the Presidents Club Award & recipient of the Circle of Excellence for exceptional performance at HomeStreet Bank.  I am looking forward to enhancing and expanding our Fannie Mae platform in my new role as Fannie Mae Director.

Before joining HomeStreet, I spent five years at Centerline Capital originating over $300 million of small balance Fannie Mae DUS loans.  Prior to Centerline, I was a top producer for Indymac Bank and Everbank originating small balance commercial and multi-family loans in the Western United States. 

Over a 30 year career in commercial real estate, I have financed over $2 Billion both as an originator and credit officer.  I spent the first 17 years of my career in New York City working for several commercial and investment banks.  I received my BA in Economics from Hamilton College and an MBA in Finance from NYU University.

Following the events of 9/11, my wife and I moved to Spokane to begin a new chapter in our lives.  Living in the northwest allows me to pursue my other passions of cycling, skiing and traveling around this beautiful state with my family."

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