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So many home loans. All under one roof.

Let’s see how simple we can make this.

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.

Bank with Umpqua and get $500 credited toward your home loan.*

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.*


Don't have an Umpqua Checking account? You can open an account online today or find an Umpqua store nearest you for more information. Or contact your Loan Officer to get started today.

Home Loan Programs

Let’s find a loan that works for you.

  • 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.

  • 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.

  • Construction & Renovation

    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.

  • 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.

  • 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.

  • 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 and

  • 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.

  • Physician Loans

    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.

Today’s home loan rates

September 25, 2020

  • 15-year fixed: Rate 2.250%, APR 2.470%

  • 30-year fixed: Rate 2.750%, APR 2.874%

  • Construction: Rate 4.000%, APR 4.211%

  • FHA: Rate 2.375%, APR 3.467%

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.


Home Equity Line of Credit

Use your equity to improve your home or cover unexpected costs.

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.