LOAN RATE DECREASE: As low as 6.99% APR* on a 5-Year fixed rate loan. Act Fast. Start Now

Benefits of an Owner Occupied Real Estate Loan

An animated graphic showing the benefits of using an OORE loan from Amerant Bank

Eligible properties include:



Office Space



Warehouse



Retail Space

What an OORE Loan Can Do for You

Owner Occupied Real Estate Loans offer flexible financing to purchase, remodel, expand, or refinance your commercial space.
With an Amerant Owner-Occupied Real Estate Loan, business owners can purchase their workspace and enjoy the full benefits of ownership.
Watch the video to learn how Amerant’s commercial real estate team of experts and resources can facilitate the process.

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

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* Offer applies to a 5-year fixed rate loan with a maximum loan amount of $2 Million. 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 a Amerant Bank Business Checking Account throughout the term length with a minimum balance of 15% of the original loan amount. 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 10/01/2024. 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 loan officer for details. To take advantage of this offer, application must be submitted by 12/31/2024.

1 .50% origination fee discount is only available to credit requests less than $500,000. For requests of $500,000 and above, origination fee of 0.50% will be applied.

2 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.