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Home Mortgage Loans and Home Equity Loans

Looking for a Fixed Rate or Adjustable Rate Mortgage? Maybe a construction/permanent mortgage loan to build your dream house. Or perhaps a special type of mortgage for non-owner occupied or modular home purchase. No matter what your individual requirements are for purchases or refinances, you can count on Columbia for home financing that's right for you.

Applying is simple. Just click on either the Fixed Rate or Adjustable Rate Application Kits below. They'll open in .pdf format. Print, fill out and mail the kit back at the address provided. A mortgage glossary and FAQ page are available to assist you along the way.

Various fixed-rate and adjustable-rate terms available
Interest Rate Lock-In for up to 90 days for purchases, or up to 60 days for refinances
Fixed rate Bi-Weekly payment option for certain terms, resulting in less interest paid over the life of the loan
Pre-approval Certificate Program to assist you in shopping for your dream home
Owner-occupied 1-4 family dwellings or FNMA/FHLMC approved condominiums located in the State of New Jersey
Current Mortgage Rates

Interest Bearing Checking
Product	Tiers	APY
Yield Plus	$10,000-$249,999	1.00%	APPLY
Yield Plus	$1,000-$9,999	.50%	APPLY
Yield Plus	$0.01-$999	.10%	APPLY
Non-Interest Bearing Checking
Product
Totally Free			APPLY
Advantage Plus Image			APPLY
eAdvantage			APPLY

Savings
Product	Rate	APY
eAdvantage Savings	0.35%	0.35%	APPLY
Money Market
Product	Minimum	Rate
Money Market	$0	0.30%	APPLY
Money Market	$2,500	0.30%	APPLY
Money Market	$10,000	0.40%	APPLY
Money Market	$25,000	0.50%	APPLY
Money Market	$50,000	0.60%	APPLY

Product	Rate	APY
91 Days	0.30%	0.30%	APPLY
6 Months	0.50%	0.50%	APPLY
9 Months	0.45%	0.45%	APPLY
12 Months	0.70%	0.70%	APPLY
18 Months	0.90%	0.90%	APPLY
24 Months	1.04%	1.05%	APPLY
36 Months	1.29%	1.30%	APPLY
48 Months	1.74%	1.75%	APPLY
60 Months	1.83%	1.85%	APPLY
72 Months	2.08%	2.10%	APPLY