Owner Occupied Real Estate Loan

^* The Annual Percentage Rate (APR) for an Owner-Occupied Real Estate Loan is fixed and is based on the applicable (5, 10 or 15 year) Treasury Rate , plus a margin. The loan must be a minimum of $100,000. Your APR may vary based on credit history, property type, occupancy, lien position, loan 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.

^** 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. 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 4/18/2025. 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; speak to a banking specialist for details. An origination fee of 0.50% will be applied.

¹ 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 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.

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.