Fixed Rate Home Mortgage Loans In NJ
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.
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.
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.
You can get the mortgage process started quickly now — apply online. If you’ve already applied for a mortgage with Columbia Bank, check your application online any time. It’s time you lived in your dream home, and Columbia Bank wants to be there to help, every step of the way.
*This offer may be withdrawn at any time. The rate and Annual Percentage Rate (APR) shown are as of publication date and are subject to change. The offer applies to owner-occupied, one family properties in New Jersey. Rate and APR are based on an 80% loan to value and a credit score of at least 740. Your actual rate may be different. Your actual rate, payment and costs could be higher. Private mortgage insurance may be required depending upon Columbia Bank’s lending policy. If private mortgage insurance is required, the mortgage insurance premium may increase the APR and monthly mortgage payment. A $750 commitment fee is due at the time of commitment, and is refundable only upon closing. Other fees may apply. The Bank is not responsible for typographical errors. This offer is subject to credit approval in accordance with Columbia Bank’s lending policies. Other terms are available.