Owner-Occupied Real Estate Financing

Let us help you experience the benefits of owning your building

Scroll Down

Control your occupancy expenses and build equity in your owner occupied real estate. We customize lending options that allow you to purchase or refinance your commercial property occupied by your business. With amortizations of up to 25 years, you can plan your cash flow easier and with interest rates fixed for up to 10 years, you can fix your occupancy costs for greater savings. Our knowledgeable and experienced bankers are here to assist you throughout the process.

Speak to a Business Banker

We Offer

Up to 25 year amortizations / Up to 10 year terms

Up to 25-year amortization and up to 10 year terms for industrial, retail and office buildings.

Competitive 3,5,7, 10 year fixed rates

Hybrid adjustable rate loans with fixed initial term followed by an adjustable rate period for the remaining life of the loan.

Flexible step-down prepayment structures

Step-down prepayment structures with no yield maintenance or defeasance features.

Up to 90% financing for Owner Occupied Real Estate

Conventional or SBA 504 loan options available.

Property Types We Finance




Business banking meeting
Hear from us

Speak to a Business Banker

When you are ready to engage and see how we can help you grow your business, please let us know a bit about you and how to reach you.

What do our clients think?

Mirage Builders

The customer service we have experienced from First Foundation and their entire team has been nothing but spectacular. Being in the construction industry, it is critical to have a responsive, flexible banking partner, which we have in First Foundation.

In STEPPS Academy

FFB has been a trusted partner as we grew from a mom and pop operation to a multi-million-dollar company. The personal relationship with our banker has played a key role, providing excellent support in twice obtaining funding to fuel our growth.


I have never had a banking experience with such personalized, responsive attention in my past banks. Our banker helped my business grow with our new laser that we were able to finance quickly and easily with our First Foundation Bank equipment loan.

SCL Tax Law

The personalized customer service is what sets First Foundation apart from other financial institutions I’ve banked with in the past. The online banking is extremely efficient and the financing packages are unbeatable.
We partnered with First Foundation following a period of difficult financial circumstances. FFB stepped up with thorough and fair vetting we had not seen from other major banks. The result has been a tremendous 3+ years of growth and partnership.
C&H Letterpress , Printing & Graphics
Santa Ana, CA

Commercial Loan Calculator

Selected Owner Occupied Real Estate Credit Relationships


Appliance Wholesaler


Medical Doctor


Auto Parts Manufacturer


Furniture Wholesaler


Metal Parts Manufacturer


Specialty Retailer


Medical Doctor


General Contractor
SBA Lending

Access loans made just for small businesses

Through the SBA lending program, newer businesses or established businesses that don't quite meet traditional financing requirements, can find a flexible loan to meet their needs.

Team working session
Business Lending

Business Lending Team

Our experienced lenders are ready to assist with your next financing need.


This calculator is intended for informational and illustrative purposes only. The information and interactive calculators are made available to you as a self-help tool for your independent use. The calculator is provided by a third-party and the accuracy and completeness cannot be guaranteed by First Foundation Bank.  First Foundation Bank assumes no responsibility for, nor does it control, endorse or guarantee any aspect of your use of this calculator.  Use of this calculator is not a substitute for and results cannot be relied on as investment, legal, tax or accounting advice. Please consult a tax advisor, attorney or other financial professional for personalized advice appropriate to your goals and circumstances.

Find your Banker.

View all bankers and advisors

Let's talk... Please enter a Specialty and Location to view a banker/advisor near you.

Deposit and loan products offered by First Foundation Bank, Member FDIC and Equal Housing Lender. NMLS #793235.

Investment and Advisory Services provided by First Foundation Advisors, an SEC-Registered Investment Advisor. Trust Services and Insurance Services are offered through First Foundation Bank. First Foundation Insurance Services license number #0H38553.

Investment, Insurance, Digital Assets, and Advisory Products and Services: