[1] All loans are subject to credit approval. Available for purchase money and refinance transactions, for owner-occupied primary 1 to 4-family residences: (a.) located in a low or moderate-income (LMI) census tract in one of Columbia Bank's Community Reinvestment Act (CRA) Assessment Areas OR (b.) located anywhere within Columbia Bank’s CRA Assessment Area and the borrower’s eligible qualifying income must be less than 80% of the county median. Columbia Bank’s CRA Assessment Area is comprised of the following counties: Bergen, Passaic, Middlesex, Monmouth, Morris, Essex, Union, Burlington, Camden, Gloucester, Hudson, Hunterdon, and Somerset. Rates and terms will depend upon several factors including, but not limited to, the loan type, loan size, property type, loan purpose, your credit score, and property value. All loans are subject to credit approval in accordance with Columbia Bank’s lending policies. Certain restrictions apply. This offer can be withdrawn or modified at any time. Contact one of our Account Executives to find out whether your property is in a qualified census tract, and to learn more about income requirements, purchase price limits, current rates, debt-to-income ratio requirements, and fees.

[2] Private Mortgage Insurance [PMI] is not required for purchases with LTVs greater than 80.0% (terms subject to change at any time). Borrowers must have at least 2 months Principal, Interest, Taxes, and Insurance (PITI) in reserves.

[3] Choose from a traditional 0-point mortgage product, our Low Fee Purchase Program, or our $0 Fee Refinance Program. ARMs, Co-ops, and Investor Owned Properties are not eligible. 

[4] First Jersey Title Services, Inc. is a wholly-owned subsidiary of Columbia Bank.