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Mortgage Rates - Pennsylvania & New York

ANNUAL PERCENTAGE RATE = APR

Fixed Rate Products Only
All Rates Subject to Change at Any Time1

Traditional Mortgage Products
Limited to $484,350

 Product Type Points Interest Rates  APR2  P&I Per $1,0003 
30 Year Fixed 0 PT

4.500%

4.532%

360 Payments of $5.07

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1 PT

4.375%

4.524%

360 Payments of $5.00

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25 Year Fixed 0 PT

4.500%

4.536%

300 Payments of $5.56

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1 PT

4.250%

4.420%

300 Payments of $5.42

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20 Year Fixed 0 PT

4.375%

4.418%

240 Payments of $6.26

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1 PT

4.125%

4.328%

240 Payments of $6.13

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15 Year Fixed 0 PT

4.125%

4.180%

180 Payments of $7.46

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1 PT

4.000%

4.259%

180 Payments of $7.40

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10 Year Fixed 0 PT

4.000%

4.078%

120 Payments of $10.12

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1 PT

N/A

N/A

N/A

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Traditional Mortgage Products

$484,351 to $1,000,000

 Product Type Points  Interest Rates  APR4  P&I Per $,10003 
30 Year Fixed 0 PT

4.500%

4.532%

360 Payments of $5.07

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1 PT

4.375%

4.524%

360 Payments of $5.00

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25 Year Fixed 0 PT

4.500%

4.536%

300 Payments of $5.56

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1 PT

4.250%

4.420%

300 Payments of $5.42

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20 Year Fixed 0 PT

4.375%

4.418%

240 Payments of $6.26

Apply Now

1 PT

4.125%

4.328%

240 Payments of $6.13

Apply Now
15 Year Fixed 0 PT

4.125%

4.180%

180 Payments of $7.46

Apply Now

1 PT

4.000%

4.259%

180 Payments of $7.40

Apply Now
10 Year Fixed 0 PT

4.000%

4.078%

120 Payments of $10.12

Apply Now
  1 PT

N/A

N/A

N/A

Apply Now

Biweekly Mortgage Products
Limited to $484,350

 Product Type Points  Interest Rates  APR2  P&I Per $1,0005
30 Year Fixed Bi-Weekly 0 PT

4.500%

4.542%

663 Payments of $2.54

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1 PT

4.375%

4.549%

665 Payments of $2.50

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20 Year Fixed Bi-Weekly 0 PT

4.375%

4.435%

458 Payments of $3.13

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1 PT

4.125%

4.363%

459 Payments of $3.07

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15 Year Fixed Bi-Weekly 0 PT

4.125%

4.203%

349 Payments of $3.73

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1 PT

4.000%

4.304%

349 Payments of $3.70

Apply Now

Biweekly Mortgage Products

$484,351 to $1,000,000

 Product Type Points  Interest Rates  APR4  P&I Per $1,0005   
30 Year Fixed Bi-Weekly 0 PT

4.500%

4.522%

663 Payments of $2.54

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  1 PT 

4.375%

4.510%

665 Payments of $2.50

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20 Year Fixed Bi-Weekly 0 PT 

4.375%

4.409%

458 Payments of $3.13

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  1 PT 

4.125%

4.311%

459 Payments of $3.07

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15 Year Fixed Bi-Weekly 0 PT 

4.125%

4.170%

349 Payments of $3.73

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1 PT 

4.000%

4.238%

349 Payments of $3.70

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[1] Rates quoted are for single-family, owner-occupied primary and secondary residences located in New Jersey, certain counties in Pennsylvania (Bucks, Chester, Delaware, Montgomery, and Philadelphia) and New York (Orange, Rockland, and Westchester).  Rates quoted assume a loan to value ratio of 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. Please refer to page 7 of 7 in this document for details. 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.  All loans are subject to approval in accordance with Columbia Bank’s lending policies.  Any adjustable rate mortgage meeting any of the rate adjustments mentioned above will warrant an increase in both initial fixed rate and margin.  (All else, an increase in the rate for fixed rate mortgage).  Please contact Columbia Bank at (800) 522-4167 for further details. 

[2] 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.  Please refer to page four (4) for information regarding fees. 

[3] APR calculation is based upon a loan amount of $750,000, 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.  Please refer to page four (4) for information regarding fees. 

Adjustable Rate Products Only
All Rates Subject to Change at Any Time1

Adjustable Rate Mortgage Products
Limited to $1,000,000

 Product Type  Points Interest Rates   APR2 Margin  Index  Fully Indexed Interest Rate  P&I Example3  Premium/(Discount) 
3/1 Arm 0 PT

3.500%

5.126%

2.750%

2.700%

5.500%

36 Payments of $449.05

324 Payments of $557.76

(2.000%)

1 PT

3.250%

5.140%

2.750%

2.700%

5.500%

36 Payments of $435.21

324 Payments of $555.94

(2.250%)
 
5/1 Arm 0 PT

3.750%

4.959%

2.750%

2.700%

5.500%

60 Payments of $463.12

300 Payments of $553.16

(1.750%)

1 PT

3.500%

4.953%

2.750%

2.700%

5.500%

60 Payments of $449.05

300 Payments of $550.82

(2.000%)
 
7/1 Arm 0 PT

4.000%

4.880%

2.750%

2.700%

5.500%

84 Payments of $477.42

276 Payments of $550.17

(1.500%)
 

1 PT

3.750%

4.846%

2.750%

2.700%

5.500%

84 Payments of $463.12

276 Payments of $546.92

(1.750%)

[1] Rates quoted are for single-family, owner-occupied primary and secondary residences located in New Jersey, certain counties in Pennsylvania (Bucks, Chester, Delaware, Montgomery, and Philadelphia) and New York (Orange, Rockland, and Westchester).  The quoted interest rate will be increased by 0.125% if credit score is between 680 and 699 and increased by 0.250% if credit score is < 680.  The quoted rate will be increased by 0.125% if the loan to value is > 80%.  If the residence is a condominium property, the quoted rate may be increased by 0.125% if the LTV is greater than 75%.  If the residence is a 2-4 family property, the quoted rate will be increased by 0.250%. If the loan purpose is defined as a cash-out refinance, the quoted rate will be increased by 0.125%. Multiple rate adjustments may apply.  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.  All loans are subject to approval in accordance with Columbia Bank’s lending policies.  Any adjustable rate mortgage meeting any of the rate adjustments mentioned above will warrant an increase in both initial fixed rate and margin.  (All else, an increase in the rate for fixed rate mortgage).  Please contact Columbia Bank at (800) 522-4167 for further details. 

[2] APR calculation is based upon a loan amount of $100,000, 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.  The APR calculation may vary after consummation.  Please refer to page four (4) for information regarding fees. 

[3] Columbia Bank $475 Low Fee Home Purchase Program limited to purchase money mortgages with a maximum sales price of $999,999.  Program restrictions may apply.  Please contact Columbia Bank at (800) 522-4167 for further details. 

[4] Columbia Bank $475 Low Fee Home Purchase Program APR calculation is based upon a loan amount of $100,000, and reflects fifteen (15) days of prepaid interest, an origination fee, and a settlement / closing fee.  Please refer to page four (4) for information regarding fees. 

[5] Program restrictions may apply.  Please contact Columbia Bank at (800) 522-4167 for further details. 

[6] Columbia Bank $0 Fee Refinance APR calculation is based upon a loan amount of $100,000, and reflects fifteen (15) days prepaid interest only.