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  • Developing a plan to bring your loan current
  • Adjusting your monthly payment schedule
  • Skipping a payment due to temporary employment-related hardship, such as a layoff, fire, flood or medical leave of absence.
In many cases, Umpqua Bank is servicing your mortgage loan on behalf of another company that owns your loan. In those situations, the options available to you will be determined by that company.


Call us toll-free at 1-866-486-7782 and we will direct you to one of our mortgage loan specialists. The most important thing you can do is keep communicating with us.

Our mortgage loan specialists will be available to serve you during normal business hours, Monday through Friday (except holidays) between 8 a.m. and 5 p.m. Pacific Time.


1. A written statement of your current circumstances so we can completely assess your financial condition. Be sure to include your current employment status.

2. The following financial documents. (These will help us explore options with you.):
  • A monthly budget of your household income and expenses;
  • A copy of your payroll statements for the last 2 months;
  • Bank account statements for the last 2 months; and
  • A current “Financial Statement” for all borrowers. Download form.


You can contact a HUD-certified housing counseling agency by calling this toll-free number: 1-800-569-4287.
Download a "Financial Statement" form
Find a government certified housing counselor
 
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