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Columbia Bank

Affordable Mortgage Program

Interest Rates As Low As

1.00%Rate1 1.01%APR1

In Low/Moderate Census Tracts Within Our Assessment Area1
Rates quoted assume a loan to value ratio up to 80%

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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 the requirements for this product

Your Choice1

A choice of fixed and adjustable rate mortgage options

Less Money Down1

With an affordable mortgage you can put down as little as 3% and get certain fees like the application fee, appraisal fee, credit report fee and more waived

Make An Affordable Mortgage Work For You1

Available for Purchase and Refinance transactions

[1] Rates quoted are for single-family, owner-occupied primary residences located in New Jersey. Rates quoted assume a loan to value ratio up to 80% and a minimum credit score of 620. Your actual rate will depend upon several factors including, but not limited to, the loan type, loan size, property type, your credit score and property value. Private mortgage insurance (“PMI”) may be required if your loan to value exceeds 80%. If PMI is required, the mortgage insurance premium may increase the APR and monthly mortgage payment. All loans are subject to credit approval in accordance with Columbia Bank’s lending policies. APR calculation is based upon a term of 30 years, loan amount of $350,000, 360 payments of $3.22 per $1,000 borrowed. The payments do not include taxes and insurance and the actual payment obligation will be higher. The APR includes fee estimates for settlement/closing and fifteen (15) days of prepaid interest. Available for purchase money properties and refinance transactions in New Jersey. Ask one of our Mortgage Account Executives to learn more about our qualifying census tracts. The APR is currently 1.011%. This offer is subject to certain underwriting standards and can be withdrawn or modified at any time. Offer subject to credit approval.


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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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