Your Business Strengthens Our Community — And We’re Supporting Your Property Goals in 2026.
Your business plays an essential role in the communities we serve. Whether you are purchasing an owner-occupied commercial property or refinancing an existing loan, Riverview Bank is committed to supporting your 2026 property goals with competitive commercial real estate financing.
Owner-Occupied Commercial Real Estate Promotion
- 25-year amortization
- Promotional Rate 5-year introductory rate: 5.75%*
- 10-year term • 25-year amortization
- $1,150 in upfront savings
(Documentation fee waived + up to $1,000 appraisal/appraisal review/eval credit)
Loan Features
- Loan Amounts: Up to $2,000,000
- Maximum Loan-to-Value: 80% purchase, 70% cash-out refinance
- Owner-Occupancy: Borrower must occupy at least 51%
- Local underwriting and relationship centered decisions
Fee Savings
- $150 documentation fee waived
- Up to $1,000 appraisal/appraisal review/evaluation credit at closing (on fully funded loans)
- Origination fee: Standard owner-occupied commercial real estate origination fee 0.75% applies
*Promotion valid: January 31 – April 30, 2026. Applications must be submitted into Riverview Bank’s loan system by 5:00 PM PT on April 30, 2026. All loans are subject to credit approval, underwriting standards, and collateral evaluation. Promotional pricing applies only to owner-occupied commercial real estate loan requests submitted by 5:00 PM PT on April 30, 2026. Riverview Bank may modify or discontinue this promotional program at any time. All loans are subject to credit approval, underwriting standards, collateral evaluation, and relationship considerations, including global cash flow, guarantor strength, and deposit relationship. Amortization terms are subject to credit approval and may vary based on borrower creditworthiness, repayment capacity, loan structure, and long-term affordability. Promotional 5-year introductory rate 5.75%. Pricing applies exclusively to the 10-year term, 25-year amortization product. After the introductory promotional rate for the first 60 months, the loan will reprice at the beginning of month 61 to an interest rate based on the Federal Home Loan Bank (FHLB) 5-Year Advance Rate plus the borrower’s assigned credit-based margin, as determined at approval, subject to a minimum interest rate floor of 5.00%. Promotional pricing includes a 0.50% discount for automatic payments drafted from a Riverview Bank account. If automatic payment is discontinued at any time, the margin used in the borrower’s FHLB-based pricing model will increase by 0.50% for the remainder of the loan term. A prepayment penalty applies during the first 5 years of the loan and follows as 5%/4%/3%/2%/1% schedule based on the outstanding principal balance. The prepayment schedule resets at each five year repricing. Promotion applies only to new purchases or external refinances of owner-occupied CRE. Existing Riverview Bank CRE loans do not qualify, including refinances, rewrites, restructures, or modifications. Owner-occupied CRE loans reaching natural scheduled maturity during the promotional period may qualify, subject to underwriting and relationship review. Funds may be used only for owner-occupied CRE purchase or refinance. The $150 documentation fee is waived. Up to $1,000 in appraisal credit may be applied at closing only on fully funded loans. Borrowers pay the full appraisal cost at ordering; any amount above $1,000 remains the borrower’s responsibility. Borrowers must maintain a Riverview Bank operating checking account with autopay.