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    Home / Business / Business Loans / Owner Occupied Real Estate Loan

    Owner Occupied Real Estate Loan

    Fuel your business growth with a fast and flexible Business Line of Credit.

    Owner Occupied Real Estate Loans offer flexible financing to purchase, remodel, expand, or refinance your commercial space. Loans start at $100,000 and you can expect a simple application process and fast approval.
    As low as 7.00%* APR on an Owner-Occupied Real Estate Loan**
    Eligible properties include – Office space, Warehouses, retail space, and more. For FL and TX residents only. Must be in business for a minimum of 3 years.
    Start Now

    Benefits of an Owner Occupied Real Estate Loan**

    Flexible Terms

    Flexible loan term options to fit your business and lending option that fits your business, terms requirements, and payment preference1.

    Tailored Amortization

    Tailored amortization schedules to meet your business’s cash flow needs.

    Simple and Fast

    Simple application process and fast approval.

    Dedicated Business Banking Team

    Our experienced loan experts will walk you through the entire process and will work with you to provide solutions to make your business dreams a reality.

    Own Your Workspace

    Build equity with every mortgage payment and asset appreciation increases value.

    Financing That Grows With You

    Get the right credit limit for your business size at any stage.

    Capitalize on an Owner Occupied Real Estate Loan

    Eligible properties include:

    1
    Office Space
    2
    Warehouse
    3
    Retail
    Start Now

    More Business Financing Options

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    Questions You May Have About OORE

    An Owner Occupied Real Estate Loan can be used to purchase, remodel, expand, or refinance a commercial space.

    • Last 2 years’ business tax returns
    • Previous years personal tax returns
    • YTD Profit & Loss and Balance Sheet
    • Purchase contract
    • Last 3-month statement to source down payment

    For a full list of documents, speak to a business banker today.

    • 15% minimum down payment
    • Needs to cash flow at a minimum of 1.10 DSC
    • Property needs to be in Florida or Texas

    Connect with a
    Bank Representative

    We’re here to help you grow. Fill out the form and we will connect you with the right person.

    * 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 03/20/2023. 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. 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.

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    The entire contents of this website are subject to copyright protection. The content available on this Website is the property of Amerant Bank, N.A., Amerant Investments, Inc., Amerant Trust, N.A. or its licensors and is protected by copyright and other intellectual property laws in the United States of America and by international copyright laws.

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    Banking products and services are provided by Amerant Bank, N.A. Member FDIC. Equal Housing Lender – NMLS ID #432244.
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    Rule 606 Disclosure of Order Routing Practices.

    Investments are Not FDIC or any other Government Agency Insured | Are Not Bank Guaranteed | May lose value

    Trust services offered through Amerant Trust, N.A. and are limited to trust administration.


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