Commercial real estate lending

Build equity with owner-occupied commercial real estate
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Union Bank® wants you to achieve your dream of purchasing or refinancing owner-occupied commercial real estate by providing special relationship pricing.

What is Relationship Pricing? 
Relationship Pricing is our way of saying we value you by offering savings and benefits based on your overall financial picture and client loyalty to Union Bank. These benefits are designed around the ways you save, spend, and borrow with us.


OOCRE loan amount: $750,000

Loan Structure: 10 year term/25 year amortization

Standard Rate: 3.58%

Relationship Rate with $100,000 in deposits: 3.38%


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Call us at 1-888-246-9382.   Monday to Friday, 9:00 a.m. to 5:00 p.m. PT (excluding federal holidays).

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What is an Owner-Occupied Commercial Real Estate Loan?

Owner-Occupied Commercial Real Estate (OOCRE) loans are provided to business owners to help secure financing for the acquisition of a building, the refinancing of an existing property, or for making improvements to an existing property. In order to qualify for this special type of financing, you must occupy 51% or more of your building. A variety of OOCRE types can qualify such as Office (Office Buildings and/or Office Condos), Industrial (Including warehouses and manufacturing facilities), Medical and Retail.

The Benefits of OOCRE Loans

Appreciating asset

Potentially increases your equity and your net worth

Tax breaks

Property ownership may come with tax benefits. Consult with your tax advisor

Lower payments

Often your mortgage payment is lower than your rent

Ability to remodel

Freedom to redesign your office without obtaining permission

Eliminate rent fluctuations and stabilize expenses

No raises in rent with fixed financing options

Potential rental income

The ability to lease a portion of your building to tenants

Interested in learning more about OOCRE?

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