Personal Banking 

 

Home Loans

family in new house with boxes

So many home loans. All under one roof.

For over 50 years, we’ve been working side-by-side with our neighbors to help them buy, remodel, and refinance their homes. We’d love to lend you a hand, too.

Green Bar

Fixed & Adjustable Rate Loans


Fixed and adjustable rate mortgages (ARMs) are available in varying term lengths and are popular for buying or refinancing a home. A fixed rate offers stability while an adjustable rate generally offers a lower initial rate that adjusts periodically throughout the life of the loan.

Green Bar

First-Time Homebuyers


If this is your first time buying a home, our Loan Officers are here to guide you through the process. They will help you determine what you can afford and review your financing options, including down payment resources and assistance programs.

Green Bar

Jumbo Loans


If you’re dreaming extra big, we offer fixed- and adjustable-rate program options with higher-than-conventional loan limits. Whether you are purchasing a home, refinancing, renovating or building a home, we have options for your unique financing needs.

Green Bar

Veterans


Federal and Oregon veterans' home loan programs offer fixed-rate conventional and jumbo loans for active duty personnel, reservists and veterans. With options for purchase or refinance, these loans offer up to 100% financing. Learn more at ODVA and Federal VA.

Green Bar

Low Down-Payment Options


If you’re a first-time homebuyer or seeking a low down-payment, let’s explore your loan options offered through FHA, USDA-Rural Development and various state bond programs. Learn more at HUD.gov and rurdev.usda.gov.

Green Bar

Vacation Home & Investment Properties


Thinking about buying a second home or investment property? Umpqua offers financing for conventional and jumbo limits, including many construction and renovation loan program options.

mobile title

desktop title

We are focused on equitable lending throughout our footprint. Talk with one of our experienced community lenders about how you can achieve your dreams of homeownership or small business growth.

.

Don’t wait until tomorrow, connect with our Home Lending team today.

Smiling family outside of house

 

Let’s see how simple we can make this. 

 


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 866-470-2852, Mon-Fri, 8 a.m.- 7 p.m.

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

mobile title

desktop title

November 29, 2024 

  • 15 Year Fixed

    15-year fixed: Rate 5.625%, APR 5.901% 

  • 30 Year Fixed

    30-year fixed: Rate 6.375%, APR 6.552%

  • FHA Fixed Rate 30 Year

    FHA: Rate 6.000% APR 7.206%

  • VA

    VA: Rate 5.875%  APR 5.996%

These rates are for purchases only. Please note rates may fluctuate throughout the day. Contact our team to get the current rate at (866) 470-2852.

Estimated APR is based on the interest rate plus financing charges. Learn more about the rate assumptions and loan details.

mobile title

desktop title

The investment in your home can be worth a line of credit from $5,000 to $500,000, with flexible payment options and no origination fees.