Skip to main content

Commercial real estate lending

Loyalty rates on owner-occupied commercial real estate
Have our banker call you

Receive Relationship Pricing

Union Bank® clients are eligible for relationship pricing based on the depth of their relationship with the bank on new purchase financing or when refinancing an existing owner-occupied commercial real estate (OOCRE) loan. Restrictions apply.*

  • Available on new OOCRE term loans of $250,001 up to $2,000,000
  • Build equity and strengthen net worth
  • A range of loan amortization and loan maturities are available
Have our banker call you

*A business deposit relationship with Union Bank is required (open with any amount greater than $0). See below for important terms and conditions.

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.

Interested in learning more about OOCRE?

Have our banker call you

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 from a landlord

Eliminate rent fluctuations and stabilize expenses

No raises in rent with fixed-rate financing options

Potential rental income

The ability to lease a portion of your building to tenants