Personal Banking > Loans and Lines of Credit


Home Equity Line of Credit (HELOC)

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Use the equity of your home to finance your next big project.

  • Lines from $5,000 to $500,000, based on the equity in your home

  • Variable interest rates with optional lock-in feature

  • Lock-in terms of one to 15 years

  • $75 annual fee

  • APR starting at 3.75%

  • Easy options to advance funds

  • 10-year draw / 20-year repayment period

  • We pay standard closing costs

  • No origination fee

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Still dreaming of that new deck, kitchen remodel, or something else? Consider an Umpqua Home Equity Line of Credit with SmartLock. For a limited time only you can secure a fixed rate as low as 2.99% APR*.

Connect with a loan expert.


Need help now? Call (844) 645-1503, Mon-Fri, 7 a.m.-6 p.m., Sat. 9 a.m.-2 p.m.

Please note: We currently serve new customers in OR, WA, CA, ID, and NV.


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