skip to main content
Columbia Bank

Affordable Mortgage Program

In Low/Moderate Census Tracts or Meets County Income Limits1

Find An Account Executive

If you’re afraid you can’t qualify for a traditional home loan, an Affordable mortgage may be for you.


Enjoy features like:


Contact a mortgage representative to find out if you meet income or any additional requirements for this product

No PMI Required

If you qualify for an Affordable Mortgage, there is no private mortgage insurance required

Competitive Rates1

With an Affordable Mortgage you can take advantage of our competitive low rates and get certain fees like the application fee, appraisal fee, credit report fee and more waived

Make An Affordable Mortgage Work For You1

Available on Fixed and Adjustable rate mortgages and purchase or refinance transactions

Take Advantage Of Our Grants

Everything is even more affordable with the ability to add on grants including Columbia's Access Homeownership Grant

[1] Available for purchase money properties and refinance transactions, for owner-occupied primary 1 to 2 family residences located anywhere within Columbia Bank’s New Jersey assessment area and the borrower’s eligible qualifying income must be less than 80% of the county median. Columbia Bank’s assessment area is comprised of the following counties: Bergen, Passaic, Middlesex, Monmouth, Morris, Essex, Union, Burlington, Camden, Gloucester, Hudson, Hunterdon, and Somerset. 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 This offer can be withdrawn or modified at any time.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 one of our Account Executives to find our qualifying census tracts, income requirements, purchase price limits, current rates, debt to- service ratio, and fees.


You will be linking to another website not owned or operated by Columbia Bank. Columbia Bank is not responsible for the availability or content of this website and does not represent either the linked website or you, should you enter into a transaction. The inclusion of any hyperlink does not imply any endorsement, investigation, verification or monitoring by Columbia Bank of any information in any hyperlinked site. We encourage you to review their privacy and security policies which may differ from Columbia Bank.

If you “Proceed”, the link will open in a new window.


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

Sign Up For Columbia Bank Emails
Email Address