Rates quoted are for refinance transactions only, single-family, owner-occupied primary and secondary residences located in New Jersey, certain counties in Pennsylvania (Bucks, Chester, Delaware, Monroe, Montgomery, Northampton, Philadelphia, and Pike) and New York (Orange, Putnam, Rockland, and Westchester). No cash out. A Rate and Term refinance mortgage is a mortgage for which the proceeds may be used to pay off the first mortgage and any junior liens that were used to acquire the subject property, plus related closing costs. Cash out to the borrower may not exceed up to the greater of 1% of the new loan amount or $2,000. For loan purpose of Cash-Out Refinance add 0.250% to rate. Rates quoted assume a loan to value ratio of 80% for loans equal to or below $510,400 with a minimum credit score of 740. 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. Your actual rate 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. These factors if applicable, may warrant an increase in initial rate and fully indexed rate. Please contact an Account Executive for further details or other program terms. All loans are subject to credit approval.
 APR calculation is based upon a loan amount of $100,000, and includes fee estimates for flood certification, real estate tax service, settlement / closing, fifteen (15) days of prepaid interest, an origination fee, and points, if applicable. ARM loans are variable rate loans; interest rates and payments may increase after consummation.