[1] The Advancing Access Home Equity program is available for Home Equity Line of Credit or our 5-, 10-, 15- and 20-year fixed-rate term options. This product can be used to fund home improvement projects or to refinance a current mortgage loan on owner-occupied primary 1 to 4-family residences located in a Majority Minority Census Tract (MMCT) within the Bank’s Community Reinvestment Act (CRA) assessment area. MMCT is a census tract that has greater than 50% or more in minority population, all groups other than white non-Hispanic. The Bank’s CRA assessment area is comprised of the following counties in the state of New Jersey: Bergen, Passaic, Middlesex, Monmouth, Morris, Essex, Union, Burlington, Camden, Gloucester, Hudson, Hunterdon, and Somerset. Eligible borrowers earn less than or equal to 120% of the FFIEC or HUD’s updated Median Family Income, whichever is greater of the two limits, for properties located in a MMCT in the Bank’s CRA assessment area. Rates and terms 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. All loans are subject to credit approval in accordance with Columbia Bank’s lending policies. Certain restrictions apply. This offer can be withdrawn or modified at any time. Contact a branch representative to find out whether your property is in a qualified census tract, and to learn more about income requirements, purchase price limits, current rates, debt-to-income ratio requirements, and fees.

[2] Discounted rates are available for eligible applicants who meet specific income and credit criteria. Rates and terms are subject to change and may vary based on individual qualifications. Please contact a branch representative for details.

[3] The maximum Loan-to-Value (LTV) ratio of 85% is subject to credit approval and appraisal. The actual LTV may vary based on the property's appraised value and the borrower's credit profile. Conditions apply.