First-Time Homebuyers
Make your first home a reality.
We work closely with first-time homebuyers to help them buy their home, walking them through their
options and the lending process at every step of the way. Let’s make your someday happen today.
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Don't think you can afford to buy your first home? Watch Chad's story. He didn't think he had a chance. Now he's a proud homeowner, planting his roots in a place he loves.
FHA / VA / USDA
If you’re a homebuyer seeking a low to no down payment option, it’s time to explore government-backed mortgage programs! These programs are designed for low-to-moderate income borrowers and offer flexible lending requirements.
Umpqua Neighbors
An Umpqua Neighbors mortgage can help make a dream of owning a home a reality. Explore our unique loan program for first-time homebuyers. Only $1,000 borrower contribution required!
Down Payment Assistance
Down payment assistance programs are designed to provide homebuyers with money to help pay for a down payment. Here at Umpqua, we offer numerous programs to make owning a home more accessible and affordable.
HomeReady and Home Possible
Two programs that give you access to a low down payment mortgage with the benefits of a conventional loan. Our Loan Officers will help you decide which program is the best option for you.
State Agency Programs
Umpqua offers programs throughout our footprint that provide state funding to help families increase their home purchasing power while keeping their monthly house payments affordable.
Renovation
Ready to turn your house into your dream home? Umpqua’s renovation loan programs can help you do just that. Our Loan Officers will help you determine what program best fits your goals.
*Income and geographical limitations may apply. Loans subject to credit approval. Contact your loan officer for details.
Fixed & Adjustable Rate Loans
Fixed and adjustable rate mortgages (ARMs) are available in varying term lengths and are popular for buying or refinancing a home. A fixed rate offers stability while an adjustable rate generally offers a lower initial rate that adjusts periodically throughout the life of the loan.
Jumbo Loans
If you’re dreaming extra big, we offer fixed- and adjustable-rate program options with higher-than-conventional loan limits. Whether you are purchasing a home, refinancing, renovating or building a home, we have options for your unique financing needs.
Veterans
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.
Low Down-Payment Options
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.
Vacation Home & Investment Properties
Thinking about buying a second home or investment property? Umpqua offers financing for conventional and jumbo limits, including many construction and renovation loan program options.
Don’t wait until tomorrow, connect with our Home Lending team today.
Let’s see how simple we can make this.