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- We want to ensure your business succeeds and continues to grow by matching you with a lending option that fits your business, terms requirements and payment preference.
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*The Annual Percentage Rate (APR) for an Owner-Occupied Real Estate Loan is fixed and is based on the Prime Rate published in the Wall Street Journal (4.75% as of 5/16/2022), plus a margin. This APR is based on an “auto-pay” discount of 0.25% for an Amerant Bank checking account customer. To qualify for the “auto-pay” discount, payments must be made via automatic payment from an Amerant Bank checking account which must be open and funded prior to closing. The loan must be a minimum of $100,ooo. The discount may be terminated upon closure of the qualifying checking account. Your APR may vary based on credit history, property type, occupancy, lien position, line amount and other factors. At no time will the APR exceed 18%. Rates and programs are subject to change without notice. Contact us for current rates. All advances will be subject to the fixed rate APR according to the terms of the account agreement. Discounts are subject to change at any time and cannot be combined with any other offer or discount. Proceeds from advances made at closing cannot be used to pay off existing Amerant loan balances.
*Offer applies to a 10 or 15 year fixed rate loan. Offer also applies to the 10 year loan repricing at year 5 to the then 5 year Treasury Rate plus Bank margin. At repricing date Bank margin does not change from margin applied for year one through five. Amortization period for all terms is 25 years. A balloon payment may apply at the end of the loan term. To receive this offer, loans require opening and maintaining an Amerant Business Checking, Business Checking Plus or Business Interest Checking Account with an average monthly balance of $10,000. Auto debit for the monthly loan payment required from an Amerant account. Offer is based on credit parameters and qualification criteria for Amerant Bank’s Owner Occupied loan program, where Amerant Bank holds a first lien position. Offer effective as of 01/01/2020. Offer and Program Terms are subject to change or withdrawal at any time and without notice. Nothing herein is or should be interpreted as a commitment or offer to lend. Loan is secured by the real estate you are financing. Ask us about additional rates and margins that may apply. All loans are subject to credit and property approval. Other restrictions, limitations and fees may apply. Property must be located within Amerant Bank’s designated areas in Florida and Texas; speak to a banking specialist for details.
11% origination fee discount is only available to credit request that exceed $500,000. For requests of $500,000 and below, origination fee of 0.50% will be applied.
2In 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 3% of the principal amount prepaid; (2) before the 2nd anniversary date of the loan, the penalty will equal 2% of the principal amount prepaid; (3) before the 3rd 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 3rd anniversary date.
