How to Make Mortgage Payments Online With Umpqua Bank

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:

1. Enroll in Umpqua personal online banking if you don’t have an account already. You can sign up at umpquabank.com.

2. Once your personal online banking account is created, log in and select “Mortgage” from the main menu

3. Enter your mortgage account username and password Umpqua will send a verification code to complete the login process

4. 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:

1. Log into online banking and go to your mortgage account.

2. Select “Make Payment” then choose your Umpqua account as the payment source.

3. Enter the payment amount and date.

4. 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.

1. Log into mortgage online banking.

2. Choose “Make Payment” then select “External Account.”

3. Enter your external account details including routing and account number.

4. Specify the payment amount and date as usual.

5. 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:

1. Select the “Make Payment” button in mortgage online banking.

2. Choose the “Credit/Debit Card” tab.

3. Input your card details and expiration date.

4. 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:

1. Login to mortgage online banking.

2. Go to “My Settings” and choose “Auto Pay Enrollment.”

3. Select your desired account as the payment source.

4. Pick the date you want payments to be deducted every month.

5. 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:

• Check your current mortgage balance and payment history.

• Make one-time payments from Umpqua/external accounts or debit/credit cards.

• Set up and manage automatic mortgage payments.

• 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:

• Internal transfers – Funds from a Umpqua checking/savings account are credited same-day.

• External account transfers – Usually processed in 1-2 business days.

• 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:

• Call 1-866-4UMPQUA (1-866-486-7782)

• Speak to a local banker at your nearest branch

• 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.