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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.

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.  Since joining HomeStreet, my closings have consisted of Fannie Mae, Bridge, Perm, and Construction loans.  Normal loan sizes have been $3-$30M.  I work with a mixture of direct borrower relationships as well as mortgage brokers.

Prior to HomeStreet, I worked at several larger banks financing commercial real estate.  This experience included CMBS loan origination on a large loan team at Dexia and more conventional CRE financing at Wells Fargo.  Much of my large bank experience was with structured products on larger loans, which ranged from $20-$200M.   Total loan originations were excess of $1 Billion. 

I received my BS in Engineering and MBA from the University of Washington.  I live in the Ballard neighborhood of Seattle and keep busy with three young kids.  While away from the office, I enjoy fishing, skiing, and attending kid’s sporting events."

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