For more than 50 years, we’ve been working side-by-side with our neighbors to simply help them purchase, build, remodel and refinance their houses. We’d want to provide you a tactile hand, too.

Umpqua checking that is personal clients with at the least $1,000 just before loan closing and recurring direct deposit(s) totaling at the very least $500 every month could be entitled to $500 toward their property loan.*

Don’t possess an Umpqua bank checking account? You are able to start a merchant account online or find an Umpqua store nearest you for more information today. Today or contact your Loan Officer to get started.

Fixed & Adjustable Speed Loans

Fixed and rate that is adjustable (ARMs) can be purchased in varying term lengths and therefore are popular for purchasing or refinancing a house. a rate that is fixed security while a ace cash express loans reviews 2020 | speedyloan.net variable price generally offers a lowered initial rate that adjusts occasionally through the life of the mortgage.

First-Time Homebuyers

Should this be your very first time purchasing a house, our Loan Officers are here to help you through the procedure. They shall assist you to know what you really can afford and review your funding options, including advance payment resources and help programs.

Construction & Renovation

Make your perfect house with loans that feature project and permanent funding having a single closing. From easy repairs and power improvements to major repairs, complex renovations and from-the-ground-up new construction, we’ve got you covered.

Jumbo Loans

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

Veterans

Federal and Oregon veterans’ mortgage loan programs provide fixed-rate old-fashioned and loans that are jumbo active responsibility personnel, reservists and veterans. These loans offer up to 100% financing with options for purchase or refinance. Find out more at ODVA and Federal VA.

Low Down-Payment Alternatives

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

Vacation Residence & Investment Properties

Considering purchasing a home that is second investment home? Umpqua offers financing for old-fashioned and jumbo restrictions, including construction that is many renovation loan system choices.

Physician Loans

We understand your unique home financing needs and have a program designed to fit whether you’re a new medical resident or a long-time attending physician. Umpqua offers fixed- and adjustable-rate choices for main-stream and jumbo limit Physician Loans.