Owner Occupied Real Estate Loan

^* Offer applies to Owner-Occupied Commercial Real Estate loans with terms of up to 10 years. The interest rate is fixed for the first 12 months and, for the subsequent fixed-rate period, typically years 2 through 5, will be determined at closing based on the then-current 5-year SOFR swap rate plus a fixed margin of 2.3%, remaining fixed during that period. At the end of the applicable fixed-rate period, the rate will be repriced based on the 5-year SOFR swap rate plus a fixed margin of 2.3%. Future rate adjustments may increase or decrease payment amounts. Amortization periods may extend up to 25 years, and a balloon payment may be due at maturity. A prepayment penalty may apply as provided in the loan documents. The minimum loan amount is $100,000. Maximum loan amounts, terms, and final pricing are subject to underwriting and may vary based on credit profile, property type, occupancy, lien position, loan amount, and other factors. The offer is subject to Amerant Bank’s credit parameters, qualification criteria, eligibility requirements, and credit and property approval. Amerant Bank must hold a first-lien position. The property must be owner-occupied commercial real estate, such as office, warehouse, or retail property, located within Amerant Bank’s designated areas in Florida. Borrowers must satisfy applicable business banking or commercial underwriting requirements, including operating history, financial performance, cash flow, and debt service coverage standards. Loan proceeds must be used for business purposes related to the subject property. A 0.50% origination fee will apply, and other restrictions, limitations, and fees may apply. This offer is effective as of the date of this communication. Rates, programs, offer terms, and applicable program terms are subject to change or withdrawal without notice. Contact us for current rates. Nothing herein constitutes, or should be construed as, a commitment or offer to lend.

^** In the event of a pre-payment, in whole or in part, a pre-payment penalty (“penalty”) will be assessed as follows: (1) Before the 1st-anniversary date of the loan, the penalty will equal 5% of the principal amount prepaid; (2) before the 2nd-anniversary date of the loan, the penalty will equal 3% of the principal amount prepaid; (3) before the 3rd anniversary date of the loan, the penalty will equal 2% of the principal amount prepaid; (4) before the 4th anniversary date of the loan, the penalty will equal 1% of the principal amount prepaid. Prepayment penalty will not apply if the prepayment occurs after the 4th-anniversary date.

USA PATRIOT Act

To help the government fight the funding of terrorism and money laundering activities, the Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.

What does this mean for you? When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may ask to see your driver’s license or other identifying documents.

Know Your Customer

Managing a successful Know Your Customer (KYC) Program is a requirement of the U.S. banking system. Learn More.