Owning a home is an exciting milestone, but it also comes with the big responsibility of making timely mortgage payments. Umpqua Bank aims to make paying your mortgage easy and convenient through their user-friendly online banking platform. Read on to learn how to enroll, manage payments, and monitor your mortgage account anytime, anywhere.
Getting Started with Umpqua Bank Mortgage Online Banking
If you have a mortgage with Umpqua Bank, you can easily access your mortgage account through their online banking system. Here’s how to enroll:
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Already have Umpqua personal online banking? Simply log in and click “Mortgage” to access your mortgage account.
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Don’t have Umpqua online banking? You’ll need to enroll Visit umpquabankcom and click “Log In” then “Personal Banking,” Enter your mortgage username and password to link accounts,
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After linking your mortgage reset your password. You’re all set! Log in anytime and click “Mortgage.”
Payment Options Through Online Banking
Umpqua Bank offers multiple ways to pay your mortgage online:
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Scheduled payments – Set up recurring automatic payments from your Umpqua checking account on your due date.
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One-time transfers – Make individual payments as needed from Umpqua accounts
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Other bank payments – Use an external checking account for one-time payments. Allow 2-3 days for processing.
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Pay by phone – Call Umpqua’s payment line at 866-4UMPQUA (866-486-7782).
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Mail a check – Send checks to the address listed on your statement. Allow 5-7 days.
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In person – Visit a local branch to make cash, check, or debit card payments.
Having trouble making payments? Contact Umpqua’s dedicated mortgage team for assistance exploring options.
Managing Your Mortgage on Umpqua Online Banking
Umpqua’s online banking platform offers convenient mortgage account management:
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View statements – Access up to 18 months of statements. Enroll in paperless.
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Tax documents – Download end-of-year tax statements like 1098 forms.
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Escrow details – Review escrow balance, payments, and upcoming disbursements.
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Alerts – Set up email/text alerts for payment due dates, escrow changes, etc.
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Planning tools – Estimate payoff dates, changes to principal, and more.
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Payment history – Search past payments and download reports.
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Servicing details – View loan details like terms, interest rate, maturity date, and more.
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Contact servicing – Submit inquiries and requests to Umpqua’s mortgage servicing team.
Assistance for Struggling Borrowers
If you’re experiencing financial hardship and are concerned about making mortgage payments, Umpqua Bank offers assistance options such as:
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Payment forbearance – Temporarily pause or reduce mortgage payments for up to 12 months.
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Repayment plan – Set up an affordable repayment schedule for missed payments.
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Loan modification – Adjust the loan terms to make payments more affordable long-term.
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Partial or short sale – Sell the property and settle mortgage debt for less than what is owed.
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Deed-in-lieu – Voluntarily transfer property ownership to satisfy mortgage debt.
Contact Umpqua’s Home Preservation team or your mortgage advisor to discuss your unique situation and get help. Acting early is key – assistance is available.
Helpful Tips for Managing Your Umpqua Mortgage
Follow these tips for a smooth mortgage experience with Umpqua Bank:
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Provide updated contact information so Umpqua can reach you if needed.
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Sign up for paperless statements and alerts to monitor your account.
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Make payments on time to avoid late fees – set up autopay for convenience.
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Understand your loan terms, interest rate, payment schedule, escrow details, etc.
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Contact Umpqua immediately if you anticipate difficulties making payments.
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Take advantage of Umpqua’s online resources and tools to manage your account.
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Speak with a Home Preservation specialist for options if facing financial hardship.
With robust digital banking resources, Umpqua Bank makes managing your mortgage payments stress-free. Paying your mortgage on time is key to building wealth through homeownership – let Umpqua Bank help.
Don’t wait until tomorrow, connect with our Home Lending team today.
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Need help now? Call 866-470-2852, Mon-Fri, 8 a.m.- 7 p.m.
Please note: We currently serve new customers in WA, OR, CA, ID, UT, NV and AZ.
- 15 Year Fixed 15-year fixed: Rate 5.375%, APR 5.646%
- 30 Year Fixed 30-year fixed: Rate 6.375%, APR 6.552%
- FHA Fixed Rate 30 Year FHA: Rate 5.875% APR 7.077%
- VA VA: Rate 5.875% APR 5.996%
These rates are for purchases only. Please note rates may fluctuate throughout the day. Contact our team to get the current rate at (866) 470-2852.
Estimated APR is based on the interest rate plus financing charges. Learn more about the rate assumptions and loan details.
So many home loans. All under one roof.
We’ve worked with our neighbors to help them buy, fix up, and refinance their homes for more than 50 years. We’d love to lend you a hand, too.
There are different term lengths for fixed and adjustable rate mortgages (ARMs), which are commonly used to buy or refinance a home. A fixed rate is stable, while an adjustable rate usually has a lower initial rate that changes several times over the loan’s life.
If you’ve never bought a house before, our Loan Officers can help you through the process. They will help you figure out how much you can afford and go over your financing options, such as programs that can help you with a down payment.
If you’re dreaming extra big, we offer fixed- and adjustable-rate program options with higher-than-conventional loan limits. We offer a range of financing options to meet the needs of everyone who wants to buy, refinance, renovate, or build a home.
Federal and Oregon veterans home loan programs offer fixed-rate conventional and jumbo loans for active duty personnel, reservists and veterans. With options for purchase or refinance, these loans offer up to 100% financing. Learn more at ODVA and Federal VA.
If you’re a first-time homebuyer or seeking a low down-payment, let’s explore your loan options offered through FHA, USDA-Rural Development and various state bond programs. Learn more at HUD.gov and rurdev.usda.gov.
Are you thinking about buying a second home or an investment property? Umpqua can help you get the money you need for both conventional and jumbo loans, as well as a wide range of construction and renovation loan programs.
We are focused on equitable lending throughout our footprint. Get in touch with one of our experienced community lenders to find out how you can buy a home or grow your small business.
Umpqua Bank Mortgage Review: Pros and Cons
FAQ
Can I make my mortgage payment online?
Any checking account opened in the United States can be used to make a payment through mobile or online banking. Please keep in mind that you’ll need to add a checking account to your digital banking account before you can pay.
What is the phone number for Umpqua Bank payment?
Please keep this in mind when scheduling your payment. Before calling us at (866) 486-7782, please wait two to three business days. You can also send us a secure message through myOnlineBanking.
Is Umpqua Bank being bought out?
On March 1, 2023, we officially merged with Columbia Bank. Our new bank will offer more ways to help your family and business grow, while still giving you the great service and business banking knowledge you already enjoy.
How do I reset my Umpqua Bank password?
If you click on the “Forgot password?” link below the “Log in” button on UmpquaBank, you can change your password online. we can reset it if you call us at (866) 486-7782 or go to www.accounting.com or the mobile app.
How do I use Umpqua Bank mobile banking?
Open the Mac App Store to buy and download apps. Umpqua Bank’s Mobile Banking app connects you to your personal or business checking, savings, and mortgage accounts. You can do everything you can do online, plus use tools that are only available in the app, like mobile check deposit and Touch ID or Face ID login. Key features include:
What services does Umpqua Bank provide?
Umpqua Bank (NMLS #401867) offers lending, banking and financial advisory services. Its mortgage department helps customers buy, build, remodel and refinance homes. The company’s offerings include a variety of home loans as well as home equity lines of credit (HELOCs). Umpqua Bank has branches in California, Idaho, Nevada, Oregon and Washington.
How do I Manage my mortgage account with Umpqua personal online banking?
If you already have an Umpqua PersonalOnlineBanking account, then you’re all set. Log in to your personal banking account and select mortgage to manage your mortgage account. Do you not yet have a Personal Online Banking account with us? You will need one to get to your online mortgage account. We’ll help you get set up. It’s easy!.
What are Umpqua mortgage rates?
According to Umpqua Bank’s website, the current starting mortgage rates are for buyers with good credit (740%) and a 30% down payment. 5% for FHA). If you don’t fit these qualifications, expect higher rates. (Information pulled from public Home Mortgage Disclosure Act data).
How do I contact Umpqua Bank?
Contact us at 866-4UMPQUA (866-486-7782) or CustomerService@UmpquaBank. com. Your mobile carrier’s message and data rates may apply. ²You have to sign up for email and mobile payments before you can send money from an Umpqua Bank checking account to a domestic bank account.
Does Umpqua Bank offer home loans?
Umpqua Bank offers home loans as part of its product line. HELOCs are another service the company offers. It has locations in California, Idaho, Nevada, Oregon, and Washington. Umpqua Bank shares its current home purchase loan rates on its website.