Home Loans In NJ With Affordable Rates
Home ownership should be a joy, not stressful. At Columbia Bank, we pride ourselves on being the best bank in NJ for a home mortgage because of our affordable rates and total commitment to helping our customers.
When you work with Columbia Bank for home mortgage, refinancing, or equity home loans in NJ, you don’t just get the means to purchase the home you want. You also get a friend and partner you can trust every step of the way. Check mortgage rates or apply online now to finance your new home. View our home loan options below.
Home Mortgage Loans
At Columbia Bank, we know the value of securing a quick and easy home loan. We work with busy professionals, dedicated parents, and everyone in-between to make their home ownership dreams come true. As homeowners ourselves, we diligently take care of the details and paperwork, so you can get home shopping to find your ideal abode.
We have a variety of mortgage types to assist your short-term and long-term needs. These include:
Fixed-rate mortgages, ideal for if you’re shopping for your forever-home or plan on living there for awhile
- Adjustable rate mortgages (ARM), which give you competitively low interest rates for a fixed term, which is great if you’re not sure how long you’ll live there
Whether you’re purchasing your very first home or want to move into something that is a better fit, we work with NJ homeowners with diverse budgets and needs. We strive to understand our clients’ situations and goals inside and out, so we can make the mortgage application and approval process as efficient as possible. You can even save time on your mortgage by starting the process online now.
Your home loan needs change, and we totally understand that. Refinancing your current home mortgage gives you the opportunity to trade in your current home loan for a new home loan, one that can benefit from competitive mortgage rates that are offered today.
At Columbia Bank, we make the refinancing process a breeze, with an easy online application and no expensive refinancing fees. Let our experts make a personalized refinancing recommendation for your unique needs, so you can make your home ownership situation one that works best for you and your family. Reasons you might consider refinancing include:
- You want lower monthly payments
- You want lower interest rates
- You want capital for a large purchase
With refinancing from Columbia Bank, you save money every step of the way. Our program eliminates the most expensive refinancing fees such as the appraisal fee and title fee. Plus, you get exemplary service so you can feel confident in every decision you make.
Your original home mortgage shouldn’t lock you into an undesirable situation. Let the dedicated refinance experts at Columbia Bank help you find a better outcome that will make you a happier homeowner.
Home Equity Loans
Your home is one of the most significant and valuable investments you’ve made. When you need capital for a large purchase, taking out a home equity loan once you’ve built up enough equity can give you the means. Needed purchases can range from home renovations that add more value to your home, to non-home-related needs.
Because home equity loans are based on the equity you’ve already secured in your home, they are one of the best types of loans to consider. Home equity loans are beneficial for homeowners who want:
- Low rates and quick approval
- Potentially tax-deductible interest costs
- Large loans, which may be granted depending on how much equity you have
Home equity loans are available from Columbia Bank as variable-rate line of credit loans or installment loans at fixed rates, giving you flexibility in how you use your equity. Our variable-rate line of credit loan, Home Equity Advance, allows you to write yourself a loan during the draw period when unexpected expenses arise. Our fixed rate loan, Home Equity Consumer Loan, provides you with the exact amount of money you need now.
See Why Columbia Bank Is the Best Bank in NJ for a Home Mortgage
At Columbia Bank, we want to help as many people as possible realize their dreams of being a homeowner. You can count on our services to be ethical, responsible, and understanding. We have never been involved with “subprime” lending and only offer sound loans under flexible programs to qualified individuals.
Columbia Bank is registered with the National Mortgage Licensing System and Registry, as required by the Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (SAFE Act). You can count on honorable and principled practices at every step of your home loan journey, and we’re here to help however you need us. Have questions? Call us at 800-522-4167, or email us online.
Home Mortgage Loans
Looking for a fixed-rate or adjustable-rate mortgage? Maybe a construction/permanent mortgage loan to build your dream house. No matter what your individual requirements are for purchases or refinances, you can count on Columbia Bank for home financing that's right for you.
- Various fixed-rate and adjustable-rate terms available
- Interest Rate Lock-In for up to 75 days for purchases or refinances
- Pre-approval Certificate Program to assist you in shopping for your dream home
- Owner-occupied 1-4 family dwellings or FNMA/FHLMC approved condominiums located in the State of New Jersey
- Fixed rate Bi-Weekly payment options for certain terms result in less interest paid over the life of the loan. This option is currently not available online. Please contact a customer service representative at 1-800-522-4167 for details.
- Save thousands of dollars in closing costs with our $475 Low Fee Home Purchase Program
- Learn more about our $0 Refinance Program
- Learn more about our Affordable Home Mortgage Program
- Apply Online or Check the Status of Your Application!
Home Equity Loans
Put that hard-earned equity you've built up in your home to work for the things you want now. Available as a variable-rate line of credit or an installment loan at a fixed rate, home equity loans from Columbia Bank can help you fund home improvements, major purchases, and more. Home Equity Advance is our variable-rate line of credit account that allows you to write yourself a loan during the draw period when unexpected expenses come up. Our Home Equity Consumer Loan will provide you with the exact amount of money you need now.
Columbia Bank has never been involved with "subprime" lending. We pride ourselves in offering an array of products to deliver sound loans under flexible programs to qualified individuals.
Columbia Bank is registered with the National Mortgage Licensing System and Registry as required by the Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (Safe Act).
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