Mortgage and Home Equity Loans

From mortgage loans to home equity loans, Columbia Bank has all of the "pieces" necessary to help you live the American Dream of home ownership. Our simple online application makes it easier than ever to apply online for the mortgage or home equity loan you need to finance your dream home.

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Home Mortgage Loans

Looking for a fixed-rate or adjustable-rate mortgage? Maybe a construction/permanent mortgage loan to build your dream house. No matter what your individual requirements are for purchases or refinances, you can count on Columbia Bank for home financing that's right for you.

  • Various fixed-rate and adjustable-rate terms available
  • Interest Rate Lock-In for up to 75 days for purchases or refinances
  • 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
  • Fixed rate Bi-Weekly payment options for certain terms result in less interest paid over the life of the loan.  This option is currently not available online.  Please contact a customer service representative at 1-800-522-4167 for details.
  • Save thousands of dollars in closing costs with our $475 Low Fee Home Purchase Program
  • Learn more about our $0 Refinance Program
  • Learn more about our Affordable Home Mortgage Program
  • Apply Online or Check the Status of Your Application!


With an easy online application and no expensive fees, Columbia Bank’s refinance program will save you money every step of the way. Our program eliminates the most expensive refinancing fees such as the appraisal fee, title fee, and many more – allowing you to refinance your single-family home for much less. Contact a Columbia Bank representative or apply online for our incredible refinancing program today.

Home Equity Loans

Put that hard-earned equity you've built up in your home to work for the things you want now. Available as a variable-rate line of credit or an installment loan at a fixed rate, home equity loans from Columbia Bank can help you fund home improvements, major purchases, and more. Home Equity Advance is our variable-rate line of credit account that allows you to write yourself a loan during the draw period when unexpected expenses come up. Our Home Equity Consumer Loan will provide you with the exact amount of money you need now.

  • A tool for refinancing your current home loans and/or to access the equity in your home
  • No complicated closing costs
  • Home Equity Advance line of credit available to draw from your equity when you need it
  • Apply Online or Check the Status of Your Application!

Columbia Bank has never been involved with "subprime" lending. We pride ourselves in offering an array of products to deliver sound loans under flexible programs to qualified individuals.

Columbia Bank is registered with the National Mortgage Licensing System and Registry as required by the Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (Safe Act).

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