Personal Banking > Loans and Lines of Credit

Home Equity Line of Credit (HELOC)

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

Lines from $5,000 to $1,000,000, 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 8.75%

Easy options to advance funds
10-year draw / 20-year repayment period
We pay standard closing costs up to loan amounts of $1,000,000. Customer responsible for closing costs over $1,000,000
No origination fee

Terms & Conditions

Connect with a loan expert.

First name *

Last name *

Email *

Phone number

Postal Code *

Please select your preferred contact method

Phone

When is the best time to reach you?

Morning

Afternoon

Evening

What kind of loan are you interested in?

address1

By submitting this form, you agree to our Privacy Policy.

(For CA Residents only) Please review our CA Privacy Notice at Collection describing how we use the personal information we collect from you and how you can exercise your rights to privacy according to CA law.

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

Need help now? Call (844) 645-1503, Mon-Fri, 8 a.m.- 6 p.m., Sat. 9 a.m.-2 p.m.

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

Home Lending

Whether it’s your first home or your next one, we’re here to help.
Explore home loans
Credit Cards

Build your credit and earn rewards at the same time.
View credit cards

Find an Umpqua Bank near you

We’ve made it easy to find your nearest branch, schedule an appointment, or contact a branch, all in one place.

Find your branch

Home Equity Line of Credit (HELOC)

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

Connect with a loan expert.

Home Lending

Credit Cards

Find an Umpqua Bank near you

More ways to reach us