Vacation home equity
line of credit

Use the equity in your vacation home to finance a remodel, vacation, college costs or other big purchase with flexible payment options. We'll take 0.25% off the rate with autopay from an Umpqua deposit account.

account details

  • line of credit from $5,000 to $150,000
  • Variable interest rate
  • Up to 75% combined loan to value
  • 5-year draw period followed by 10-year repayment period
  • No origination fee
  • $100 annual fee
  • We pay standard closing costs. (Appraisals requested by homeowners not included.)
  • Collateral of owner-occupied residences (excluding condominiums). No rental properties
  • Early closure penalty of 2% of the balance or $500, whichever is less, if paid off and closed within the first 3 years
  • 0.25% rate discount with autopay from Umpqua deposit account

rate details

for zip code
Product rates
CLTV Amount Variable interest rate APR
Up to 75% $5,000 - $150,000 Index + 1.00% to Index + 3.00% 5.00% - 6.25%
Questions? Call us at 1-866-790-2121.


Interest Rate

Rates shown are effective as of 4/1/2014. The variable Interest Rate and corresponding Annual Percentage Rate (APR) are based on the Wall Street Journal Prime Rate (the "Index") plus a margin. The margin is determined based on the amount of the approved credit line and Bank evaluation of the borrower's credit score and credit history. Minimum APR: 5.00%. Maximum APR: 18%. Rates are subject to change monthly based on changes in the value of the Index.

Credit approval

All accounts subject to credit approval.

Minimum monthly payment

Interest only monthly payments for 5-year draw period followed by fully amortized principal and interest payments for the 10-year repayment period; payment amount will vary as rates change, with minimum amount due of $50.

Insurance requirement

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

Advanced options

Available through checks, in-store advance, online banking or telephone transfer. Minimum $100.

Late payment fee

CA: Greater of $5 or 5% of any minimum payment not paid within 10 days after due date. NV, OR & WA: 5% of any minimum payment not paid within 15 days after due date.

Other possible fees

Stop payment: $30 per item. Returned check for non-sufficient funds:$35 per item.

Other possible fees for zip code 97205

open account

Call us at 1-866-790-2121


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