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vacation home equity loan

Apply for a loan by:
Best use:
Loan from $5,000 to $150,000 with fixed interest rate for up to 75% LTV.
Term:
7 to 10 years based on loan amount
Collateral:
Owner occupied residence.  No condominiums, manufactured homes or rental properties
Extras:
  • 0.25% rate discount with auto pay from an Umpqua Bank deposit account
Minimum monthly payment:
Principal and interest payment amortized for term of loan with $100 minimum amount due
Closing costs:
We pay standard closing costs. Appraisals requested by homeowners are not included.
One-time origination fee:
N/A
Fixed interest rate:
N/A
Optional Lock in Feature
N/A
Lock in fee:
N/A
Early closure penalty:
$500 if loan paid off within first 3 years
California only: 2% of the principal balance prepaid during the first 12 months following the loan consummation OR 1% of the principal balance prepaid during the second 12 months following loan consummation. This penalty is waived if you sell your home and finance the new home through Umpqua Bank or if you refinance this existing loan with Umpqua Bank.
Lock in term:
N/A
Late payment fee:
CA: Greater of $5 or 5% of any minimum payment not paid within 10 days after due date.
NV, OR & WA: 5% of any minimum payment not paid within 15 days after due date.
Annual fee:
N/A
Lock in fixed rate:
N/A
Amount you may lock in:
N/A
Advance options:
N/A
Other possible fees:
N/A 
The fine print:
All loans subject to credit approval. 
1 Click  "Rate details" for rate information.  Rates shown are effective as of 04/15/2013 and are subject to change without notice.   The loan interest rate is based on the approved loan amount, and Bank evaluation of the borrower's credit score and credit history.  A $10,000 loan, at a 75% LTV, 10-year term and 11.25% APR, would be repayable in 120 monthly payments of $139.18 each.  Property insurance required; flood insurance is also required if property is in a special flood hazard area.
Rate details:
details
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