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Fixed Rate Home Equity Loans

Columbia Bank takes pride in offering highly competitive Home Equity rates in New Jersey.

Woman renovating her home with her new Fixed Rate Home Equity Loan from Columbia Bank

We enable our clients to obtain a home equity loan through a simple process, so you can quickly secure the capital you need and move on with your life. Columbia Bank home equity loan rates are some of the lowest available, and our clients get the additional benefit of working with a professional and caring team who is here for you every step of the process.

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Why You Might Consider a Home Equity Loan in NJ?

Life is constantly evolving, and sometimes unexpected needs may come up. You may need to pay for a college education, or a spouse may have lost their job. A home equity loan is there for when circumstances change. 

Benefits of Working With Columbia Bank

At Columbia Bank, we offer two types of home equity loans, to give our clients attractive options depending on their unique situations. These are:

  • Home Equity Advance, which is a variable-rate line of credit that gives you the power to write yourself a loan whenever unexpected expenses arrive during the draw period. This type of option may be appealing to borrowers who want to have access to credit when they need it, but don’t want to take out money on a credit card.

  • Home Equity Consumer Loan, which is a fixed-rate, lump sum loan that provides you with the precise amount of money you need at this moment. Borrowers who take out this type of loan will pay monthly installments back for it, making it manageable and predictable. 

Columbia Bank is proud to help homeowners like yourself get the capital they need to spend on the purchases they want. We want to help you put your home to great use, not just as the place you live, but as a smart investment that can help you in other aspects of your life.