For more than 50 years, we’ve been working side-by-side with our next-door next-door neighbors to assist them to purchase, build, remodel and refinance their domiciles. We’d want to lend you a tactile hand, too.
Umpqua personal checking account customers with at the least $1,000 just before loan closing and recurring direct deposit(s) totaling at the least $500 every month can be qualified to receive $500 toward their house loan.*
Don’t possess an Umpqua bank account? You are able to open an account online today or find an Umpqua store nearest you to find out more. Or contact your Loan Officer to begin with today.
Fixed & Adjustable Speed Loans
Fixed and adjustable price mortgages (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 variable nearest ace cash checking rate generally provides a lowered initial rate that adjusts occasionally through the life of the mortgage.
Should this be your time that is first buying home, our Loan Officers are here to help you through the process. They shall help you know what it is possible to manage and review your financing options, including deposit resources and support programs.
Construction & Renovation
Make your perfect house with loans that feature task and permanent funding with a closing that is single. From easy repairs and power improvements to major repairs, complex renovations and from-the-ground-up construction that is new we’ve got you covered.
If you’re dreaming extra big, you can expect fixed- and adjustable-rate program choices with higher-than-conventional loan restrictions. We have options for your unique financing needs whether you are purchasing a home, refinancing, renovating or building a home.
Federal and Oregon veterans’ mortgage loan programs offer fixed-rate main-stream and jumbo loans for active responsibility workers, reservists and veterans. These loans offer up to 100% financing with options for purchase or refinance. Find out more at ODVA and Federal VA.
Minimal Down-Payment Alternatives
If you’re a homebuyer that is first-time searching for a low down-payment, let’s explore your loan options provided through FHA, USDA-Rural Development as well as other state bond programs. Find out more at HUD.gov and rurdev.usda.gov.
Vacation Residence & Investment Properties
Contemplating purchasing a 2nd house or investment home? Umpqua offers financing for main-stream and jumbo restrictions, including numerous construction and renovation loan system choices.
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 alternatives for main-stream and jumbo restriction Physician Loans.