GreenStreet Home Equity
Line of Credit

Put your home's equity to an energy-smart use with a variable interest rate line of credit between $5,000 and $150,000, with flexible payment options. Plus choose the security of a fixed monthly payments with our our optional lock-in feature. 

account details

  • Up to a 30-year term with a 10-year draw period and a 20-year repayment period
  • Primary residences only
  • 1st lien position - maximum 80% LTV. 2nd lien position - maximum 80% CLTV; as long as 1st & 2nd do not exceed agency maximum for location. Condominiums max at 75% (1st lien only)
  • 100% project financing for GreenStreet-approved expenses under the GreenStreet program
  • We pay standard closing costs ( appraisals requested by homeowners not included)
  • No origination fee
  • No prepayment penalty
  • No annual fee
  • $50 minimum payment requirement
  • Optional lock-in feature to convert all or part of balance to a fixed-rate term loan
  • Advance funds through Visa point of sale access card, checks, in-store advance, online banking or telephone transfer

rate details

for zip code
Product rates
Amount Variable Interest Rate APR Term
$5,000 - $150,000 WSJ Prime + 0.00% 4.50% Up to 360 months
Questions? Call us at 1-866-486-7782.


Interest Rate

GreenStreet lending products are available to qualified customers on approved credit. All loans subject to credit approval. See the "rate details" chart above for rate information. Rates are effective as of 12/14/2017 and subject to change without notice. Rates are variable and are subject to change after consummation. Advertised interest rate and Annual Percentage Rate (APR) are based on the Wall Street Journal Prime Rate (the "Index", currently 4.50%) plus a margin. Maximum APR 18%. Rates are subject to change monthly based on changes in the value of the Index. Property insurance required; flood insurance is also required if property is in a special flood hazard area. The advertised APR includes a 0.5% automatic payment discount from an Umpqua Bank account.

Optional lock-in feature

Convert all or part of variable rate line-of-credit to a fixed-rate term loan. Lock-in balances any time during the draw period. Limited to 3 lock-in options active at any time. Lock-in requests have a fixed monthly payment amount of principal and interest, fully amortized for the term of each lock-in portion. Lock-in fee $50 per request. Lock-in term: 1 to 15 years based on amount. Lock-in amount: Between $5,000 and maximum available credit line limit.

Primary residences only

Second homes, vacation homes, or rental properties do not qualify. Manufactured homes and land must be classified as real property.

Minimum monthly payment

Interest only monthly payments for 10-year draw period followed by fully amortized principal and interest payments for the 20-year repayment period; payment amount will vary as rates changes. $50 minimum payment requirement. Lock-in requests have a fixed monthly payment amount of principal and interest, fully amortized for the term of each lock-in portion.

GreenStreet-approved expenses

Financing available with a minimum requirement of 51% of the total project costs are for GreenStreet approved expenses.

open account

Call us at 1-866-4UMPQUA


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