Owner Occupied Real Estate Loan

^* The interest rate is fixed for the first 12 months. For the subsequent period (typically years 2 through 5), the interest rate will be determined at closing based on the 5-year SOFR swap rate in effect at that time plus a fixed margin of 2.3% and will remain fixed during that period. Beginning at year 5, the interest rate will be repriced based on the 5-year SOFR swap rate plus a fixed margin of 2.3%. Future interest rate adjustments may increase or decrease your payment amount. A prepayment penalty generally applies during the applicable penalty period, as described in the loan documents. The loan must be a minimum of $100,000, and maximum loan amounts and terms may vary by program. Final pricing is based on underwriting and may vary based on credit profile, property type, occupancy, lien position, loan amount, and other factors. Rates and programs are subject to change without notice. Contact us for current rates.

^** Offer applies to owner occupied commercial real estate loans with terms of up to 10 years, structured with a fixed interest rate for the first year, followed by a multi-year fixed period (typically years 2 through 5) determined at closing based on the 5-year SOFR swap rate in effect at closing plus a fixed margin of 2.3%, and a repricing thereafter (typically beginning at year 5) based on the 5-year SOFR swap rate plus a fixed margin of 2.3%. Amortization periods may extend up to 25 years, and a balloon payment may be due at maturity. 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. Property must be owner occupied commercial real estate (e.g., office, warehouse, retail) located within Amerant Bank’s designated areas in Florida, and borrowers must meet applicable business banking or commercial underwriting requirements, including operating history and financial performance standards. All loans are subject to credit and property approval, including cash flow and debt service coverage requirements. Loan proceeds must be used for business purposes related to the subject property. Offer effective as of the date of this communication. Offer and program terms are subject to change or withdrawal at any time without notice. Nothing herein is or should be interpreted as a commitment or offer to lend. An origination fee of 0.50% will be applied. Other restrictions, limitations, and fees may apply.

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 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.