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For over 50 years, we’ve been working side-by-side with our neighbors to help them buy, build, remodel and refinance their homes. We’d love to lend you a hand, too.
Umpqua personal checking account customers with at least $1,000 prior to loan closing and recurring direct deposit(s) totaling at least $500 per month may be eligible for $500 toward their home loan.*
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.
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.
Create your perfect home with loans that feature project and permanent financing with a single closing. From simple repairs and energy improvements to major repairs, complex renovations and from-the-ground-up new construction, we’ve got you covered.
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.
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.
Whether you’re a new medical resident or a long-time attending physician, we understand your unique home financing needs and have a program designed to fit. Umpqua offers fixed- and adjustable-rate options for conventional and jumbo limit Physician Loans.
as of February 22, 2019
15-year fixed: Rate 3.750%, APR 3.998%
30-year fixed: Rate 4.375%, APR 4.523%
Construction: Rate 5.250%, APR 5.418%
FHA: Rate 4.000%, APR 5.116%
Estimated APR is based on the interest rate plus financing charges. Learn more about the rate assumptions and loan details.
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.