Residential Mortgage Solutions
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 of credit scores can qualify.
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*APR=Annual Percentage Rate. Rates quoted are for single-family, owner occupied primary and secondary residences located in New Jersey for purchase transactions only. Rates quoted assume a loan to value ratio of up to 80% and a credit score of 740. Your actual rate 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. 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. Property insurance will be required, flood insurance may be required. All loans are subject to credit approval in accordance with Columbia Bank’s lending policies. Annual Percentage Rate (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, an origination fee, and points, if applicable. Rate is accurate as of as of 10/23/19.
** If your New Jersey or Pennsylvania residential mortgage loan does not close within 60 days or less (including weekends and holidays) of your signed intent to proceed, due to no fault of Columbia Bank, you will receive a $300 VISA® Gift Card at time of loan closing. Offer valid for purchase transaction only. Gift card value will be reported to the Internal Revenue Service (IRS) and a 1099-MISC will be issued. For current rates and restrictions, please contact Columbia Bank at (800) 962-4989 for further details. This offer may be withdrawn or modified at any time. Offers subject to change without notice. NMLS#504284