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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.

Kegan Sharp

VP, Wholesale Relationship Manager

"I am responsible for originating and closing investment commercial real estate loans. Over my career, I have worked nearly exclusively with mortgage brokers in the permanent financing space. I enjoy collaborating on a team with mortgage brokers as together we are able to work to provide exceptional value to real estate investors.

Prior to joining HomeStreet Bank, I was a Vice President–Commercial Loan Officer for Provident Bank, where I was the top producer from 2014 to 2018. During my time with Provident, I closed over 200 loans totaling roughly $150 million.

I received my bachelor’s in Business Administration from San Diego State University where I played Division-1 baseball.

I am a licensed real estate broker in the state of California and I am currently pursuing the coveted CCIM designation. While away from the office, I spend a lot of time helping out in the Special Olympics community where I coach softball and golf."

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