Super fantastic lender! We had been unhappy with our first choice of lender (personality differences + lack of clarity in explanations in a way that felt condescending), so we decided to look for someone else - which led us to Matt at Umpqua. I had a family referral for Umpqua and a Redfin agent recommended Matt in particular. When I called Matt for an initial discussion, he spent so much time with me on the phone explaining multiple options for how we could finance the purchase of our dream home. He was prompt in all communications and very relaxed and calming. It was at a point when we had made a contingent offer and weren't sure yet from where/when we would have proceeds from our condo sale or could otherwise finance our purchase if the condo took a while to sell. His creativity, and thorough teaching when I asked questions convinced me he would be great to work with. His associates (Amy and Tiffany) were also incredible in the amount of time and thorough explanations they provided every time I interacted with them. It was night-and-day from what we'd experienced with the first lender. If you are a person who really wants to understand pros/cons of each financing option available to you, have someone help navigate/facilitate different perspectives of you and a co-buyer (ARM or Fixed? The choices get emotional sometimes! ;) ), and truly know what you are signing with all the docs along the way, Matt's team is for you! We will definitely be staying with Umpqua for all our future lending needs - and we even opened a bank account to save some money on our closing costs. So far we are happy with the bank overall as well!