CloseModal

 

 



Personal Banking > Loans and Lines of Credit

 

Home Equity Line of Credit (HELOC)

Finger pointing at blueprint

Use the equity of your home to finance your next big project.

Unlock the potential of your home’s equity by using it for home improvements, wedding planning, utility vehicles, consolidating debt and more.

  • heloc amount

    Lines from $5,000 to $1,000,000, based on the equity in your home

  • APR

    APR starting at 8.25%

  • · Variable interest rates with optional lock-in feature

    Variable interest rates with optional smartLock lock-in feature

  • 10-year draw / 20-year repayment period

    10-year draw / 20-year repayment period

  • We pay

    We pay standard closing costs up to loan amounts of $1,000,000. Customer responsible for closing costs over $1,000,000

  • No origination fee

    No origination fee

  • $75 annual fee

    $75 annual fee

  • Easy options to advance funds

    Easy options to advance funds

Looking for a line of credit over $1,000,000? Contact us to discuss our Premier HELOC.

Terms & Conditions

Connect with a loan expert.


By submitting this form, you agree to our Privacy Policy.

(For CA Residents only) Please review our CA Privacy Notice at Collection describing how we use the personal information we collect from you and how you can exercise your rights to privacy according to CA law.

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

Need help now? Call (844) 645-1503, Mon-Fri, 8 a.m. - 6 p.m. PST

Please note: We currently serve new customers in OR, WA, CA, ID, UT, CO, AZ and NV.

Umpqua Store Location Map Background

Find an Umpqua Bank near you

 

We’ve made it easy to find your nearest branch, schedule an appointment, or contact a branch, all in one place.

 

Find your branch

 

 

More ways to reach us

 

Contact Us