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Fixed Rate Home Loans

 
Couple holding keys to new home

Owning your ideal home may be a more realistic possibility than you think. At Columbia Bank, we help thousands of people get the right home mortgage loan in New Jersey to buy their first home or move into something that better fits their needs. Our dedicated team of mortgage experts are friendly and efficient, helping clients to get the mortgage that is best for them, quickly and hassle free.

Whether you’re a first-time home buyer or are looking to move, getting the home loan you deserve shouldn’t be a stressful process. At Columbia Bank, we make securing a home loan simple, so you don’t have to deal with mountains of paperwork or worry about uncertainty putting a damper on your home goals. You can qualify for a mortgage as long as you’re 18 years old or older. Even a wide variety levels of credit scores can qualify.

If you're thinking about buying your first home there is a lot to think about. You want to first make sure you are financially prepared to buy a home. Maybe you're all ready to buy your new home and start the application process. Start making a list of all of the things you will need to provide when applying.

Family with "Sold" sign standing in front of house.Reasons to Buy a Home

Purchasing a home is a significant and rewarding decision. If you’re unsure about whether or not to buy a home, consider these reasons:

  • A home is a long-lasting investment. Besides providing you and your family with the basic need of shelter, by paying off your mortgage, you build up equity in your home that can be used to make large purchases or serve as a legacy for your family.

  • Owning a home can be cheaper than renting. Choosing to purchase a home can save you tens of thousands of dollars in the long term compared to renting. As rental prices increase, you could be missing out on the value of a home you’ve purchased increasing, as well. Use our calculator to help determine whether you should rent or buy a home.

  • You can create the living space you want. At rental dwellings, renters are often limited to how they can customize their space, whether they’re restricted from painting the walls or will never be able to upgrade their patio or add a pool. Homeowners can add the unique touches they crave, which may also increase the value of their homes when they’re ready to sell.

Home loans from Columbia Bank are not one-size-fits-all. You don’t need to necessarily pay 20 percent or more on a down payment to secure a loan. You may even qualify for special mortgage benefits, such as if you’re a veteran of the armed services. The first step to becoming a happy homeowner is to talk with us. A chat with one of our friendly Columbia Bank representatives to learn your options is completely free.

 

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