If you have a mortgage with Umpqua Bank you have the convenient option to make payments online. Umpqua offers a user-friendly platform for managing your mortgage entirely online – from making one-time payments to setting up automatic transfers each month.
In this article, I’ll walk through the step-by-step process for making mortgage payments through Umpqua’s online banking system. Whether you want to pay on your laptop or through the mobile app, I’ve got you covered!
Getting Access to Mortgage Online Banking
Before you can start making payments, you need access to Umpqua’s mortgage online banking system. Here’s how to get set up:
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Enroll in Umpqua personal online banking if you don’t have an account already. You can sign up at umpquabank.com.
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Once your personal online banking account is created, log in and select “Mortgage” from the main menu
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Enter your mortgage account username and password Umpqua will send a verification code to complete the login process
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After verification, you’ll be prompted to create a new password for mortgage online banking access.
And that’s it! You can now view mortgage details and make payments through your Umpqua personal online banking dashboard.
Making a One-Time Payment
Umpqua offers a few different ways to make mortgage payments online:
Pay from Your Umpqua Account
If you have a checking or savings account with Umpqua, you can easily transfer funds to your mortgage:
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Log into online banking and go to your mortgage account.
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Select “Make Payment” then choose your Umpqua account as the payment source.
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Enter the payment amount and date.
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Review and submit the payment.
Funds will be debited from your Umpqua account and applied to your mortgage automatically.
Pay from an External Account
Don’t bank with Umpqua? No problem! You can still make payments from an external checking or savings account.
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Log into mortgage online banking.
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Choose “Make Payment” then select “External Account.”
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Enter your external account details including routing and account number.
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Specify the payment amount and date as usual.
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Submit the payment and the funds will be pulled from your external bank per your instructions.
Pay by Debit or Credit Card
Umpqua accepts online mortgage payments from all major debit and credit cards:
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Select the “Make Payment” button in mortgage online banking.
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Choose the “Credit/Debit Card” tab.
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Input your card details and expiration date.
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Enter payment details and submit.
Your card will be charged immediately after the payment is submitted.
Setting Up Automatic Payments
Manually paying your mortgage each month can be a hassle. The easiest option is to enroll in automatic payments through Umpqua’s online banking system.
With auto-pay, your monthly mortgage payment will be deducted from your Umpqua account or external bank account automatically on your due date each month.
Follow these steps to set up recurring automatic mortgage payments:
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Login to mortgage online banking.
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Go to “My Settings” and choose “Auto Pay Enrollment.”
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Select your desired account as the payment source.
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Pick the date you want payments to be deducted every month.
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Review and submit the auto-pay request.
Once enrolled, you can sit back and relax knowing your mortgage will be paid on time every month without any extra effort on your part.
Paying Online Through Mobile Banking
Umpqua offers full mortgage account access on its mobile banking app for iPhone and Android. You can manage payments easily on the go:
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Check your current mortgage balance and payment history.
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Make one-time payments from Umpqua/external accounts or debit/credit cards.
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Set up and manage automatic mortgage payments.
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Receive payment receipt emails directly on your phone.
The app also includes handy features like mortgage calculators, amortization schedules, and alerts for upcoming payments.
Payment Processing Timeframes
Here’s how long it takes for online mortgage payments to process with Umpqua:
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Internal transfers – Funds from a Umpqua checking/savings account are credited same-day.
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External account transfers – Usually processed in 1-2 business days.
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Debit/credit card payments – Applied to your mortgage immediately.
Keep processing times in mind when scheduling one-time payments or auto-transfers to avoid late fees.
Assistance from Umpqua’s Customer Service Team
If you ever have trouble making mortgage payments online, Umpqua’s customer service team is available to help:
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Call 1-866-4UMPQUA (1-866-486-7782)
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Speak to a local banker at your nearest branch
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Send a secure message via online/mobile banking
Their banking experts can walk you through any issues with online account access, payments, automatic transfers, and more.
I highly recommend reaching out to the friendly customer service team if you have questions when getting started with Umpqua’s mortgage online banking system.
Umpqua makes managing your mortgage account quick and easy through their online and mobile banking platforms. With just a few taps, you can check your balance, make one-time payments, set up automatic transfers, view statements, and more. By enrolling in automatic monthly payments, you can ensure your mortgage is paid on time without any hassle. Take advantage of Umpqua’s convenient digital mortgage account management tools to simplify your life.
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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.
For over 50 years, we’ve been working side-by-side with our neighbors to help them buy, remodel, and refinance their homes. We’d love to lend you a hand, too.
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.
If this is your first time buying a home, our Loan Officers are here to guide you through the process. They will help you determine what you can afford and review your financing options, including down payment resources and assistance programs.
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.
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.
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.
We are focused on equitable lending throughout our footprint. Talk with one of our experienced community lenders about how you can achieve your dreams of homeownership or small business growth.
Umpqua Bank Mortgage Review: Pros and Cons
FAQ
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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. Access all the features of online banking, plus tools specific to the app such as 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. Don’t have a Personal Online Banking account with us yet? You’ll need one to access your online mortgage account. We’ll help you get set up. It’s easy!
What are Umpqua mortgage rates?
The current starting mortgage rates at Umpqua Bank, as shared on their website, are for buyers with high credit (740 for conventional loans and 680 for FHA loans) and a 20% down payment (3.5% 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 [email protected]. Your mobile carrier’s message and data rates may apply. ¹Email and mobile payments require enrollment and must be made from an Umpqua Bank consumer checking account to a domestic bank account.
Does Umpqua Bank offer home loans?
Umpqua Bank offers home loans as part of its product line. The company also provides home equity lines of credit (HELOCs) and has branches in California, Idaho, Nevada, Oregon, and Washington. Umpqua Bank shares its current home purchase loan rates on its website.