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Personal Banking

Mortgage Loans

Have Your Sights Set on the
Home of Your Dreams? A Columbia
Bank Home Loan Will Make
That Dream Come True.

Buy A Home
Low Fee Purchase Program
Affordable Home Loan Options
Construction-to-Permanent Loans
No-Fee Refinance
Understanding Your Escrow Statement
First Jersey Title

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We’ve Helped Transform Thousands of People from Homebuyers to Homeowners

At Columbia Bank, we have just one goal - to get you into your dream home as quickly and seamlessly as possible. We’ll work with you every step of the way, from application to closing. Have questions? Although you can apply quickly online, our mortgage Account Executives are always available to talk.

Learn More Find An Account Executive

Realtor speaking with client

Looking For a Mortgage With Both a Competitive Interest Rate and Low Fees?

Look no further. Our Low Fee Purchase Program offers a great APR and bundles many of the processing and closing fees for just $995.

$995 origination fee covers your appraisal, flood certification, credit report, real estate tax service, title insurance and mortgage recording costs
You can save on upfront closing fees, so you can get into your home faster
Under this program Columbia Bank works with its wholly owned subsidiary First Jersey Title Services Inc. to further streamline the process for you¹

Learn More View Rates

Low Fee Purchase Program

Affordable Home Loan Options

Affordable Mortgage Program

Affordable Mortgage Program

Looking for an alternative to a traditional mortgage loan? You may be eligible for a lower mortgage rate with no bank fees. We offer special fixed and adjustable rate mortgage loans through our Affordable Mortgage Program.

Advancing Access Program

Advancing Access Program

This Special Purpose Credit Program (SPCP), is intended to advance access to affordable home loan solutions in majority Black and Hispanic census tracts as defined by the Federal Financial Institutions Examination Council (FFIEC).

Access Homeownership Grant

Access Homeownership Grant

Columbia Bank’s Access Homeownership Grant provides up to $10,000* in the form of a grant for qualified first-time homebuyers to use as down payment and closing cost assistance when purchasing a home.

FHA Mortgage

Do you want to buy a home but have limited cash to fund a down payment? Or do you want to refinance but have limited equity in your home? Millions of households have turned to an FHA Mortgage to make their goals possible.

Community Funding

Community Funding

Discover our Community Funding Town Offering guides. The purpose of this page is to consolidate affordable housing programs for low to moderate individuals, non-profits, and developers seeking assistance.

The Key To Your Dream Home

With our Construction-to-Permanent Loan program, you’ll know upfront that the financial aspects of building or renovating a home are in place before you begin. Best of all, you'll save time and money with just one closing and one set of closing costs.

Construction Loan

Does Refinancing Make Sense For You?

Choose our NJ No-Fee Refinance product and you don’t have to worry about expensive fees. We make it easy to get the home loan refinancing options you need.

You can save on upfront closing fees, so you can refinance faster
We'll cover your appraisal fee, application fee, attorney fee, title fee, settlement and underwriting fee and more.
Under this program Columbia Bank works with its wholly owned subsidiary First Jersey Title Services Inc. to further streamline the process for you¹

Learn More View Rates

No Fee Refinance

Understanding Your Escrow Statement

An Escrow Account is an account that the Bank establishes and controls on your behalf to pay taxes, insurance premiums (including flood insurance), or other additional charges associated with your mortgage loan.

We have built a guide to help you understand how escrow works and how to view your upcoming Escrow Analysis Statement.

Woman reviewing her Escrow account online

Trust First Jersey Title to Handle All of Your Closing Needs, Quickly and Accurately¹

Our staff has experience with just about every real estate scenario imaginable. They’ll walk you through the intricacies of titles, closings and settlements to ensure your loan closes smoothly.

One of the largest title insurance agencies in New Jersey
Residential, commercial, development, foreclosures and bankruptcy closings
Title examiners in all of New Jersey’s 21 counties
Contact First Jersey Title at [email protected]

First Jersey

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

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Investments are NOT FDIC Insured, not Bank guaranteed, not a deposit, and not insured by any federal government agency. Investments may lose value.

Automatic Translation Disclaimer

To help visitors understand information on this website in a variety of languages, Columbia Bank offers Google^TM Translate, an unaffiliated third party service, which automates translation of the website. The Google^TM Translate automated translation tool is not perfect and should not be relied upon. Automated translation may miss context, the full meaning may be lost, or words, phrases or sentences may be inaccurately translated. In addition, to the extent Google^TM Translate caches and presents older versions of the Columbia Bank website content, that is beyond the control of the Columbia Bank site and its operators who accept no responsibility or liability for the outdated translation.

As a result, Columbia Bank does not make any promises, assurances, or guarantees as to the accuracy of the translations provided or the accuracy of the converted text. Columbia Bank and its affiliates disclaim and will not accept any liability for damages or losses of any kind caused by or arising out of the use of or reliance on the Google Translate feature. Where there is any question, the English version is always the authoritative version of the website.

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Please be advised that deposit and loan disclosures and contractual documents will only be provided in English.

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