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HELOC terms & conditions

Interest rate shown is effective as of 1/16/2018 and is subject to change without notice. Higher rates will apply based on the terms of the loan and applicant's credit score. Advertised Annual Percentage Rate (APR) includes a 0.50% automatic payment discount from an Umpqua Bank account. Advertised rates are variable and are subject to increase after consummation. The disclosed APR is based on The Wall Street Journal Prime Rate (the "Index", currently 4.50%) plus a margin (spread). The margin is based on the approved loan amount and our evaluation of your credit history. Maximum APR: 18%

All accounts subject to credit approval.

Insurance requirement:
Property insurance required; flood insurance is also required if the property is in a special flood hazard area.

smartLock feature:
You can convert or "lock in" all or a portion of your outstanding balance to a fixed rate with a fixed minimum monthly loan payment that will pay off the locked in balance by the end of the loan term. As you pay down your "locked-in" principal balance, your available balance is replenished for additional use at the variable interest rate. You can have as many as three individual "Lock Ins" on your line at any time. Each "lock in" is subject to a fee of $50.00. Each time you "lock in", your minimum monthly payment will include principal and interest in an amount sufficient to pay back that new locked loan balance at the new locked rate. A minimum monthly payment amount applies.

Amount that you may lock in:
$5,000 up to available credit line limit.

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 change. Minimum monthly payment applies. Lock-in requests have a fixed monthly payment amount of principal and interest, fully amortized for the term of each lock-in portion.

Other possible fees