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Columbia Bank

Mortgage Loans

We’ve Helped Transform Thousands of People from Homebuyers to Homeowners

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Looking For a Mortgage With Both a Competitive Interest Rate and Low Fees?

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Low Fee Purchase Program

Affordable Home Loan Options

Affordable Mortgage Program

Looking for an alternative to a traditional mortgage loan? You may be eligible for a lower mortgage rate with no bank fees. We offer special fixed and adjustable rate mortgage loans through our Affordable Mortgage Program.

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Advancing Access Program

This Special Purpose Credit Program (SPCP), is intended to advance access to affordable home loan solutions in majority Black and Hispanic census tracts as defined by the Federal Financial Institutions Examination Council (FFIEC).

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Access Homeownership Grant

Columbia Bank’s Access Homeownership Grant provides up to $5,000 [1] in the form of a grant for qualified first-time homebuyers to use as down payment and closing cost assistance when purchasing a home. 

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FHA Mortgage

Do you want to buy a home but have limited cash to fund a down payment? Or do you want to refinance but have limited equity in your home? Millions of households have turned to an FHA Mortgage to make their goals possible.

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Community Funding

Discover our Community Funding Town Offering guides. The purpose of this page is to consolidate affordable housing programs for low to moderate individuals, non-profits, and developers seeking assistance. 

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The Key To Your Dream Home

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Construction Loan

Does Refinancing Make Sense For You?

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No Fee Refinance

Understanding Your Escrow Statement

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Trust First Jersey Title to Handle All of Your Closing Needs, Quickly and Accurately1

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First Jersey

[1] First Jersey Title Services, Inc. is a wholly owned subsidiary of Columbia Bank.

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Investments are NOT FDIC Insured, not Bank guaranteed, not a deposit, and not insured by any federal government agency. Investments may lose value.


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To help visitors understand information on this website in a variety of languages, Columbia Bank offers GoogleTM Translate, an unaffiliated third party service, which automates translation of the website. The GoogleTM Translate automated translation tool is not perfect and should not be relied upon. Automated translation may miss context, the full meaning may be lost, or words, phrases or sentences may be inaccurately translated. In addition, to the extent GoogleTM Translate caches and presents older versions of the Columbia Bank website content, that is beyond the control of the Columbia Bank site and its operators who accept no responsibility or liability for the outdated translation.

As a result, Columbia Bank does not make any promises, assurances, or guarantees as to the accuracy of the translations provided or the accuracy of the converted text. Columbia Bank and its affiliates disclaim and will not accept any liability for damages or losses of any kind caused by or arising out of the use of or reliance on the Google Translate feature. Where there is any question, the English version is always the authoritative version of the website.

Some items on the site may not be translated such as images containing text, documents, maps, and web page elements. In addition, some features on the site may not work in the translated versions. If you have any questions about information that appears on our site, please contact us.

Please be advised that deposit and loan disclosures and contractual documents will only be provided in English.

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