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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.

Maria Pappas

VP, Relationship Manager

"I joined HomeStreet Bank as Vice President and Senior Relationship Manager and work out of the Brea office. I have over 15 years of banking and lending experience. I am responsible for the acquisition and management of business client relationships by providing commercial real estate and business loans, lines of credit, treasury management and deposit solutions to help clients reach their business goals.

I graduated from GE school of Business and attended Loyola Marymount University in Los Angeles. I previously served as secretary of the Robinson Elementary Educational Fund, a member of N.A.W.B.O. (National Association of Women Business Owners). I have also volunteered and supported Junior Achievement and the 2014 Nisei Festival in Japan town. I currently volunteer at an Orange County Community Animal Shelter.

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