Commercial Real Estate
Term Loan

When the time comes to expand, relocate or buy real estate property, we're here to help with loans from $25,000 up to $500,000 with interest rate adjusted every 5 years. 

account details

  • Loan of $25,000 to $500,000
  • Interest rate adjusted every 5 years
  • Term of up to 15 years or amortized over 25 years with 10-year maturity and a balloon payment
  • Loan origination fee: 0.50% of the loan amount 
  • No annual fee
  • Minimum monthly payment: Principal and interest based on amortization
  • Collateral secured by Commercial, Residential and Multi-Family Real Estate 
  • Umpqua Bank account suggested
Questions? Call us at 1-866-4UMPQUA.

Disclosures

Interest Rate

Rates shown are effective as of 04/18/2014 and are subject to change without notice. The Interest Rates are variable and based on the Federal Home Loan Bank Rate plus a margin (spread). Margin is from 3.00% to 4.25% and is based on the approved loan amount and our evaluation of borrower's credit history. Advertised rate includes a 0.50% automatic payment discount from an Umpqua Bank account.

Credit approval

All accounts subject to credit approval and qualification of the property.

Collateral

No bare land. Non Owner occupied property allowed if customer has their primary banking relationship with Umpqua Bank. Ask Associate for further details. 

Closing costs

Third party closing costs may apply

Insurance requirement

Property insurance required; flood insurance is also required if property is located in a special flood hazard area.

Late payment fee

CA: greater of $5 or 5% of any minimum payment not paid within 10 days after due date.
OR & WA: greater of $10 or 5% of any minimum payment not paid within 10 days after due date.

open account

Call us at 1-866-4UMPQUA

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