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Finance Vendor Details

Greenstreet Lending HELOC
Lender: Umpqua Bank
Contact Information
Phone: (866) - 4UMPQUA
Property Types
Program Description
Umpqua Bank offers a GreenStreet Lending Home Equity Line of Credit (HELOC) that helps homeowners put their home's equity to an energy-smart use by financing energy efficiency projects and renewable energy systems. With a HELOC, the customer is “pre-approved” for a maximum amount of financing and may draw down on that credit line over a period of time. The GreenStreet HELOC allows a 10 year draw period, while repayment is over 20 years, giving the HELOC a total 30-year term. In addition, there is an optional lock-in feature to convert all or part of the balance from a variable rate loan to a fixed rate term loan.
Verified by Lender on: 8/24/2015
The data provided is for informational purposes only. For actual loan terms specific to borrowers, contact the lender directly.
Types of Financing
Financing & Payment Information
Term (years):
5 - 30
Minimum Amount:
Maximum Amount:
Money Down Required:
Repayment Method:
Off-bill loan (Direct to Lender)
Payment Frequency:
Pre-Payment Penalty:
Allowable Projects
Funds Energy Efficiency projects
Funds Renewable Energy projects
Funds other energy projects
Funds other energy-related projects
Funds other non-energy projects
Other Program Requirements
Financing Approval Time
24-48 hours
Equity in Property Needed

Financial Products

Lien type Secured loan
Re-Payment Method Off-bill loan (Direct to Lender)
Property Types
Automatic payment option available Yes
Requires utility incentive program participation No
Must use Program's pre-approved contractors No
One-time fees (% of total financing) No
One-time fees (fixed) No
Ongoing fees No
Financing Amount $5,000 - $150,000
Financing Term (yrs.) 5 - 30 year(s)
Rate Market Rate
Money Down Required? No
Credit Enhancement Available No
Transferrable No
Prepayment Penalty or Fee No
Tax Deductibility Yes
Minimum Credit Score Required No
Equity in Property Required Yes
Debt to Income Ratio Required Yes
Involuntary Property Liens Allowed No
Foreclosures Allowed Yes: Yes (occurred more than 7 years ago)
Bankruptcies Allowed Yes: Yes (occurred more than 7 years ago)
Mortgage Lender Consent/ Acknowledgement No
Must be current on property taxes No
Must be current on mortgage Yes
Loan to value Yes: 0.8%
Debt Service Coverage Ratio Yes: 0
Financing Approval Time 24-48 hours
Projected Energy Savings/Cash Flow is considered No
Must be current on utility bill No

Upgrades Covered

No Results


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