†ANNUAL PERCENTAGE RATE = APR

Fixed Rate Products Only
All Rates Subject to Change at Any Time1

Traditional Mortgage Products

Limited to $417,000

$417,001 to $1,000,000

Biweekly Mortgage Products

Limited to $417,000

$417,001 to $1,000,000

1 Rates quoted are for single-family, owner-occupied primary and secondary residences located in New Jersey. If the residence is a condominium property, the quoted rate may be increased by 0.125% if the LTV is greater than 75%. If the residence is a 2-4 family property, the quoted rate will be increased by 0.125%. Private mortgage insurance ("PMI") may be required depending upon Columbia Bank's lending policy. If PMI is required, the mortgage insurance premium may increase the APR and monthly mortgage payment. All loans are subject to approval in accordance with Columbia Bank's lending policies. Please contact Columbia Bank at (800) 522-4167 for further details.
2 APR calculation is based upon a loan amount of $350,000, and includes fee estimates for flood certification, real estate tax service, settlement / closing, fifteen (15) days of prepaid interest, and points, if applicable.
3 Monthly principal and interest ("P&I") payments per $1,000 do not account for (a) real estate taxes, and / or (b) hazard, flood, or PMI premiums (if applicable). Actual payment obligation will be greater.
4 APR calculation is based upon a loan amount of $750,000, and includes fee estimates for flood certification, real estate tax service, settlement / closing, fifteen (15) days of prepaid interest, and points, if applicable.
5 Biweekly principal and interest ("P&I") payments per $1,000 do not account for (a) real estate taxes, and / or (b) hazard, flood, or PMI premiums (if applicable). Actual payment obligation will be greater.

All Rates Subject to Change at Any Time1

Columbia Bank $475 Low Fee Home Purchase Program2

$100,000 to $417,000

$417,001 to $750,000

Columbia Bank $0 Fee Refinance6

$100,000 to $417,000

$417,001 to $750,000

1 Rates quoted are for single-family, owner-occupied primary and secondary residences located in New Jersey. If the residence is a condominium property, the quoted rate may be increased by 0.125% if the LTV is greater than 75%. If the residence is a 2-4 family property, the quoted rate will be increased by 0.125%. Private mortgage insurance ("PMI") may be required depending upon Columbia Bank's lending policy. If PMI is required, the mortgage insurance premium may increase the APR and monthly mortgage payment. All loans are subject to approval in accordance with Columbia Bank's lending policies. Please contact Columbia Bank at (800) 522-4167 for further details.
2 Columbia Bank $475 Low Fee Home Purchase Program limited to purchase money mortgages with a maximum sales price of $999,999. Program restrictions may apply. Please contact Columbia Bank at (800) 522-4167 for further details.
3 Columbia Bank $475 Low Fee Home Purchase Program APR calculation is based upon a loan amount of $350,000, and reflects fifteen (15) days of prepaid interest, an origination fee, and a settlement / closing fee.
4 Monthly principal and interest ("P&I") payments per $1,000 do not account for (a) real estate taxes, and / or (b) hazard, flood, or PMI premiums (if applicable). Actual payment obligation will be greater.
5 Columbia Bank $475 Low Fee Home Purchase Program APR calculation is based upon a loan amount of $750,000, and reflects fifteen (15) days of prepaid interest, an origination fee, and a settlement / closing fee.
7 Columbia Bank $0 Fee Refinance APR calculation is based upon a loan amount of $350,000, and reflects fifteen (15) days of prepaid interest only.
8 Columbia Bank $0 Fee Refinance APR calculation is based upon a loan amount of $750,000, and reflects fifteen (15) days of prepaid interest only.

All Rates Subject to Change at Any Time1

FHA Mortgage Products

Limited New Jersey FHA Lending Limits

1 Rates quoted are for single-family, owner-occupied primary and secondary residences located in New Jersey. If the residence is a condominium property, the quoted rate may be increased by 0.125% if the LTV is greater than 75%. If the residence is a 2-4 family property, the quoted rate will be increased by 0.125%. Private mortgage insurance ("PMI") may be required depending upon Columbia Bank's lending policy. If PMI is required, the mortgage insurance premium may increase the APR and monthly mortgage payment. All loans are subject to approval in accordance with Columbia Bank's lending policies. Please contact Columbia Bank at (800) 522-4167 for further details.
2 APR calculation is based upon a loan amount of $350,000; and includes fee estimates for FHA mortgage insurance premiums, flood certification, settlement / closing, fifteen (15) days of prepaid interest, and points, if applicable.
3 Monthly principal and interest ("P&I") payments per $1,000 do not account for (a) real estate taxes, and / or (b) hazard, flood or FHA mortgage insurance premiums (if applicable). Actual payment obligation will be greater.

Adjustable Rate Products Only
All Rates Subject to Change at Any Time1

Adjustable Rate Mortgage Products

Limited to $1,000,000

Columbia Bank $475 Low Fee Home Purchase Program4

Limited to $750,000

Columbia Bank $0 Fee Refinance7

Limited to $750,000

1 Rates quoted are for single-family, owner-occupied primary and secondary residences located in New Jersey. If the residence is a condominium property, the quoted rate may be increased by 0.125% if the LTV is greater than 75%. If the residence is a 2-4 family property, the quoted rate will be increased by 0.125%. Private mortgage insurance ("PMI") may be required depending upon Columbia Bank's lending policy. If PMI is required, the mortgage insurance premium may increase the APR and monthly mortgage payment. All loans are subject to approval in accordance with Columbia Bank's lending policies. Please contact Columbia Bank at (800) 522-4167 for further details.
2 APR calculation is based upon a loan amount of $100,000, and includes fee estimates for flood certification, real estate tax service, settlement / closing, fifteen (15) days of prepaid interest, and points, if applicable. The APR calculation may vary after consummation.
3 Monthly principal and interest ("P&I") examples are based upon a loan amount of $100,000 and evidence how payments may adjust subsequent to the initial fixed rate period by utilizing the fully indexed rate as a target rate. P&I examples do not account for (a) real estate taxes, and / or (b) hazard, flood, or PMI premiums (if applicable). Actual payment obligation will be greater.
4 Columbia Bank $475 Low Fee Home Purchase Program limited to purchase money mortgages with a maximum sales price of $999,999. Program restrictions may apply. Please contact Columbia Bank at (800) 522-4167 for further details.
5 Columbia Bank $475 Low Fee Home Purchase Program APR calculation is based upon a loan amount of $100,000, and reflects fifteen (15) days of prepaid interest, an origination fee, and a settlement / closing fee.
6 Monthly principal and interest ("P&I") payments per $1,000 do not account for (a) real estate taxes, and / or (b) hazard, flood, or PMI premiums (if applicable). Actual payment obligation will be greater.
7 Program restrictions may apply. Please contact Columbia Bank at (800) 522-4167 for further details.
8 Columbia Bank $0 Fee Refinance APR calculation is based upon a loan amount of $100,000, and reflects fifteen (15) days prepaid interest only.

Home Equity Fixed