Loan programs are subject to credit approval. Other terms, conditions, restrictions & fees may apply. Full documentation, title & property insurance required. Flood insurance required if property is located in a Special Flood Hazard Area. Mortgage loan programs offering minimal down payment options may require mortgage insurance.
The Interest Rate & APRs displayed are accurate as of 4/23/14 8:00 AM Pacific, and are subject to change without notice. These are posted for example purposes and do not constitute a commitment to lend.
The APRs displayed depend upon many variables based on loan programs, agency requirements, terms and underwriting guidelines. They reflect the current interest rate and may include discount points (as indicated in each specific loan program to the right, as applicable) and do not include other specific finance charges you may be required to pay. Quotes are based on a mortgage loan for residential home purchase transactions not for refinances and are based upon a 30 day lock. Loan pricing can only be locked with an Umpqua Loan Officer or our Direct Lending Group.
Payments shown above do not include amounts for taxes and insurance. Actual payment obligation will be greater. For adjustable rate loans, after the initial period, rates and payments are based on today's index plus a margin.
Adjustable Rate Mortgage (ARM) rates and payments assume no increase in the financial index after the initial fixed period. ARM rates and monthly payments are subject to increase after the fixed period. An increase to the index would result in a higher interest rate and monthly payment.