Select CRE Secured Expressline Terms & Conditions


Interest rate shown is effective as of 12/15/2022 and subject to change without notice. The interest rate is variable and based on The Wall Street Journal Prime Rate (the "Index"), currently 7.50%, plus a margin (spread). In no event will the Annual Percentage Rate be less than 3.75%. Maximum Annual Percentage Rate of 18.00%. The margin is based on the approved loan amount and our evaluation of borrower's credit history. Advertised margin includes a 0.50% automatic payment discount from an Umpqua Bank account.


All accounts subject to credit approval.


No bare land or lots as collateral.


Third-party closing costs may apply.


Property insurance required for accounts secured by improved real estate; flood insurance is also required if the property is located in a special flood hazard area.


Other possible fees