Real estate prices have been at a steady increase in recent years, and that also includes commercial properties. The ability to own your commercial business property can have a number of benefits including equity building, additional revenue from other tenants, tax benefits, the ability to renovate as your business grows and more.

If you're a business owner who is expanding to a new location, or improving or refinancing your current property, you can benefit from our owner-occupied real estate program. Owner-Occupied program specifics include:
  • Long-term financing with up to 25-year amortization
  • Fixed rates available for 5 years and 10 years
  • You must occupy more than 50% of the new space
  • Loans are subject to standard underwriting, processing and documentation requirements




Minimum Amount $100,000
Maximum Amount $4,500,000
Interest Rate & Maturity Option 1 WSJ Prime minus 0.26% with a maximum maturity of 3 years
Interest Rate & Maturity Option 2 WSJ Prime with a maximum maturity of 5 years
Interest Rate & Maturity Option 3 WSJ Prime plus 0.50% with a maximum maturity of 10 years
Amortization Up to 25 years
Maximum LTV The lessor of 80% LTV OR 85% LTC
Fees 0.50% origination
Prepayment 3 year maturity – 3, 2, 1
5 year maturity – 5, 4, 3, 2, 1
10 year maturity – 7, 6, 5, 4, 3, 2, 1



You can apply online, or reach out to one of our Commercial Banking experts who will be happy to answer any questions you might have.