Terry Phenicie - Loan Officer Umpqua Bank

09/30/2021

“I work for a great company that believes in supporting our communities. The wildfires have decimated many towns. If you were affected by a FEMA Disaster wildfire, please reach out to me. We are waiving the Umpqua fees on certain transactions to help get you back in a permanent home as soon as possible.”

03/13/2021

02/26/2020

Use Restricted Stock
to your Advantage
Are Restricted Stock Units part of your
total compensation package?
Umpqua is pleased to share that many of our loan programs allow Restricted Stock (RS) and
Restricted Stock Units (RSU) to be reviewed as a source for qualifying income. RS and RSU income
can be considered when fully vested and assigned a fair market value.
• Available on Fannie Mae, Freddie Mac a A nd Umpqua Portfolio loans
• History of receipt must meet specific Bonus and Variable Income guidelines
• Minimum 12-months RS or RSU history required
• Must be 100% vested in the borrower’s name
Vesting schedules vary from company to company. Be sure to ask your Loan Officer for details
on RS and RSU qualifications.

02/25/2020

Updating 80's bathroom tile. Modernizing kitchen cabinets. Building a new deck to enjoy summer bbq's.

We can help.

With renovation loans for any size project.

Let's get started.

Contact me. 707-239-8092

09/25/2019

All of our projects are handled in-house. So, not only do you have a dedicated Umpqua team on every project from start to finish, we'll set you up with a draw specialist for your specific needs.

Want to learn more? Give me a call anytime or simply visit UmpquaBank.com/terry-phenicie to learn more.

Let's build something great together!

09/23/2019

Buying a new home is easier with pre-approved credit. It's like having someone vouch for you. Someone other than your Uncle. That's the Umpqua Purchase Advantage. Get pre-approved and submit your offer confidently.
www.umpquabank.com/Terry-Phenicie





If you have questions on any of this, please email [email protected]. We are happy to help!

707-239-8092

09/16/2019

Across the country, more than 14.5 million homes have become “equity rich” — meaning more than half of the home’s market value has been paid off. If your home

09/13/2019

Buying a new home is easier with pre-approved credit. It's like having someone vouch for you. Someone other than your Uncle. That's the Umpqua Purchase Advantage. Get pre-approved and submit your offer confidently.





If you have questions on any of this, please email [email protected]. We are happy to help!

09/10/2019

Searching for the perfect property. Building your dream home. We understand the importance of construction loans. With a wide range of loan amounts and a dedicated team of loan officers and processors, we'll help you find the perfect construction loan for your project. The bathroom tile? That's all you.





If you have questions on any of this, please email [email protected]. We are happy to help!

707-239-8092

09/09/2019

Updating 80's bathroom tile. Modernizing outdated kitchen cabinets. Building a new deck to enjoy summer bbq’s. We understand the importance of renovation loans. With a wide range of loan amounts and dedicated team of loan officers and processors, we’ll help you find the perfect renovation loan for your project.





If you have questions on any of this, please email [email protected]. We are happy to help!

09/05/2019

Looking for your dream home? Maybe it's a manufactured home. Less expensive than a custom built home with identical features, manufactured homes are built at an offsite factory and delivered to a prepared foundation. We offer affordable loan options and can walk you through every step of the process.





If you have questions on any of this, please email [email protected]. We are happy to help!

09/04/2019

Fees are like taxes. No one likes paying them. Especially when you're buying a house and there's so much work to be done. At Umpqua, we're committed to helping you keep more of your money. Some banks charge an origination fee of 1% or more of the amount of the loan. Our fee is $995*, which means you'd save more than $3,000 on that same home and loan. What will you do with the money you save?

Things To Do With An Extra $3,000:
• Take a trip to Hawaii to ease the pain of winter
• Drink 750 lattes
• Refurbish the floors in your new home
• Install an entertainment system to make movie night amazing
• Invest in your child's college fund

If you're looking for a home loan with low fees, give me a call today to learn more!

Sincerely,


Terry Phenicie
Loan Officer
NMLS #1698494
Umpqua Bank Home Lending
707-508-3687




*Origination fee may be higher for construction, bond, and other specialty loan products.
Loan products subject to credit approval.





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Member FDIC Equal Housing Lender


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