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Loan Certification Process Provides Prospective Buyers with Peace of Mind
Portland, Ore. Umpqua Bank, a subsidiary of Umpqua Holdings Corporation (UMPQ), today introduced Umpqua Purchase Advantage, a new loan certification program for consumers that enhances the credit pre-approval program with a consumer-friendly certificate. Purchase Advantage will allow homebuyers to accelerate their home purchase process by providing increased clarity of their financial picture and bank credit approval.

“Buying a home can be a stressful experience, particularly when interest rates are low and the market is competitive. By taking home loans beyond the pre-qualification process, Umpqua is providing prospective homebuyers with an important advantage and helping offers get noticed,” said Gary Duffy, Umpqua Bank’s senior vice president of home lending. “Purchase Advantage provides a complete analysis of homebuyers’ finances upfront in order to give sellers the added confidence to close the deal and speed up the process.”
Umpqua’s Purchase Advantage program goes beyond the standard pre-qualification process, certifying income, credit and assets up-front to provide potential homebuyers with an accurate price range verified by a mortgage underwriter. Confirmed customers will receive an Umpqua Purchase Advantage certificate, letting sellers know the loan is truly credit approved so buyers can move forward quickly.
Umpqua expects Purchase Advantage to streamline the loan closing process, as much of the paperwork and verification will have already taken place by the time buyers are ready to make an offer.
For more information about the program, call 1-866-486-7782 or visit www.umpquabank.com/homelending.
About Umpqua Bank’s Home Lending Division
Umpqua Bank Home Lending is a full service lender offering a wide variety of home loan options for purchase and refinance including first time homebuyer, investment, custom construction/remodel, high balance and government financing programs. 
About Umpqua Bank
Umpqua Bank, headquartered in Roseburg, Ore., is a subsidiary of Umpqua Holdings Corporation, and has locations across Idaho, Washington, Oregon, California and Northern Nevada. Umpqua Bank has been recognized for its innovative customer experience and banking strategy by national publications including The Wall Street Journal, The New York Times, BusinessWeek, Fast Company and CNBC. The company has been recognized for the past eight years in a row on FORTUNE magazine’s list of the country’s “100 Best Companies to Work For,” and was recently named by The Portland Business Journal the Most Admired Financial Services Company in Oregon for the tenth consecutive year. In addition to its retail banking presence, Umpqua Bank owns Financial Pacific Leasing, Inc., a nationally recognized commercial finance company that provides equipment leases to small businesses.

Umpqua Holdings also owns a retail brokerage subsidiary, Umpqua Investments, Inc., which offers services through Umpqua Bank stores and in dedicated offices throughout Oregon. Umpqua’s Wealth Management Division serves high net worth individuals and nonprofits by providing customized financial solutions and offerings. Umpqua Holdings Corporation is headquartered in Portland, Ore. For more information, visit http://www.umpquabank.com