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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.

Todd Burchett

VP, Relationship Manager

"After several years in public and private accounting, I choose a career in commercial real estate as I believe it is the perfect mix of numbers and people.  I enjoy working with real estate developers and investors to enhance the communities they serve while creating sustainable, accretive real estate investments for all stakeholders involved in the relationship.

Homestreet’s diverse product portfolio offerings including construction, bridge and permanent loans coupled with our Fannie Mae DUS license allows my team and I to provide unique financial solutions uncommon at other regional banks.  Throughout my career as banker and a commercial mortgage I have financed over $750 million in transactions ranging from $1 million to $90 million. 

Education and Community Service:

I attended Washington State University and the Pacific Coast Banking School at University of Washington.  I am passionate about advancing educational opportunities in the communities that I live and work as reflected by my current and past community
service involvement in the following organizations: 

Washington State University at Vancouver Student Mentor Program 
Clark College Foundation Board Member (former President of the Athletic Foundation)
Clark County Skills Center Foundation Board Member
Washougal High School Business Advisory Community (Board Chair)
The City of Camas Washington Design Review Community (Development Community Representative)
Rotary International Member 
City of Lake Oswego Oregon Chamber of Commerce Leadership Program
Recipient of the Vancouver Business Journal’s Distinguished under 40 Award

Service Territory:

Portfolio lending in the 10 Western States including AZ, CA, CO, HI, ID, NV, OR, TX, UT, WA, Fannie Mae lending nationwide.

Learn more about our Commercial Real Estate Loans
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