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.
Whether you’re anchoring your operations in one location or expanding to multiple sites, our lending experts work with you to find a solution that supports your goals and strengthens your bottom line.
Commercial Real Estate
Gray-Swoosh
Medium Business

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 for Your OOCRE Loan





Business woman making business deal

 

 

 
Commercial Real Estate

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:

  1. Start with a Consultation
    Meet with a First Fed commercial lender to review your goals, financials, and property plans.
  2. Explore Loan Options
    We’ll help you compare traditional and SBA-assisted structures to find the terms that make sense for your business.
  3. Customize Your Terms
    Choose fixed or adjustable rates, amortization schedules, and repayment plans built around your cash flow and long-term vision.
  4. 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.

Ben Buhler

Commercial Market Leader
Rainier Award Winner
Whatcom County
[email protected]
360-671-5496

Paul Evans

Commercial Relationship Manager
Commercial Real Estate, Acquisition / Renovation, Construction
[email protected]

Susan Whitmire

Commercial Relationship Manager
Olympus Award Winner
Clallam and Jefferson Counties
[email protected]
360-344-4918