OWNER-OCCUPIED COMMERCIAL REAL ESTATE LOANS
Invest In Your Business.
Own Your Space.
Owning your business property isn’t just about having a place to operate—it’s a strategic investment in your company’s future. With Owner-Occupied Commercial Real Estate (OOCRE) Loans from First Fed, you can purchase, build, renovate, or refinance the commercial property your business calls home, while preserving cash flow and building long-term equity.
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Our OOCRE financing can be used for:
Purchasing your business’s property
Constructing new facilities
Renovating or expanding existing space
Refinancing existing commercial mortgages
Current Pricing Specials
Now is a great time to explore your financing options. We are currently offering special pricing on term loans and lines of credit for owner-occupied commercial real estate.
Term Loan Options
Choose the structure that best fits your cash flow and growth plans:
- $0.00 loan origination fee (third-part costs will apply)
- Flexible Terms
- 12 months of interest-only AND a 30-year amortization with up to 70% loan-to-value (LTV), or
- 12 months of interest-only OR a 30-year amortization with up to 75% LTV
- Rate Reduction: Lower your interest rate by up to 1.00% at any time within the first 24 months (based on original interest rate index and spread).
Owner-Occupied Lines of Credit
For ongoing working capital, improvements, or future opportunities, take advantage of our flexible lines of credit:
- $0.00 loan origination fee (third party costs will apply)
- Up to 75% LTV on standard property types
- Lines up to $500,000 with terms up to 5 years
- Larger lines with terms up to 3 years
- Competitive Pricing starting at Prime + 0% for lines up to $500,000
Benefits of a First Fed OOCRE Loan
Build Equity, Not Rent Checks
Every mortgage payment helps you build ownership in a valuable commercial asset. This strengthens your business’s balance sheet and supports long-term growth. Our lending team is based right here in the communities we serve, so we understand the local commercial marketplace and can help you make informed decisions about your investment.
Flexible Financing Options
We offer competitive terms, including options through traditional lending and SBA backed programs. Because our team has deep knowledge of local business needs and regional market conditions, we can help you choose the structure that best supports your business strategy and cash flow.
Stability & Control Over Your Business Space
Owning your property gives you the freedom to renovate, expand, or brand your space in the way that works best for your operations. With guidance from local lenders who understand how businesses grow in our region, you can move forward without landlord approvals or unexpected hurdles.
Favorable Terms for Owner-Users
Lenders often view owner-occupied properties as lower risk than investment properties. As a result, these loans can offer competitive down payments and longer fixed-rate options compared with other commercial real estate financing. Our local expertise helps you navigate these advantages and select terms that align with your goals.
Strategic Long-Term Planning
Fixed-rate and customized amortization options help you lock in predictable payments and plan with confidence. Our team’s close connection to the local commercial environment means we can support your long-term vision with insight into market trends and opportunities across the region.
How Our OOCRE Loans Work
Whether you’re purchasing your first property, refinancing to lower payments, or constructing/renovating your business space, we’ll help you evaluate the best path forward. Here’s how we support you:
- Start with a Consultation
Meet with a First Fed commercial lender to review your goals, financials, and property plans. - Explore Loan Options
We’ll help you compare traditional and SBA-assisted structures to find the terms that make sense for your business. - Customize Your Terms
Choose fixed or adjustable rates, amortization schedules, and repayment plans built around your cash flow and long-term vision. - Close & Move Forward
From application to close, our team keeps the process transparent and tailored to your timeline.
Ready to Take the Next Step?
Let’s Turn Your Commercial Real Estate Goals into Reality.
Owning your workspace is more than a transaction — it’s a strategic business decision that can increase stability, reduce long-term costs, and enhance your company’s growth trajectory.
Contact us today to explore your loan options and learn how much you may qualify for. You can request a callback using our online form or connect directly with one of our First Fed commercial lending experts.
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Ben Buhler
Commercial Market Leader
Whatcom County
Rainier Award Winner
ben.buhler@ourfirstfed.com
360-671-5496
Paul Evans
Commercial Relationship Manager
Commercial Real Estate, Acquisition / Renovation, Construction
Paul.Evans@ourfirstfed.com
Susan Whitmire
Commercial Relationship Manager
Clallam and Jefferson Counties
Olympus Award Winner
Susan.Whitmire@ourfirstfed.com
360-344-4918