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Affordable NJ Home Mortgage Program

You May Be Eligible for a Below Market Mortgage Rate With No Bank Fees!

Affordable house

Columbia Bank is offering special low Fixed and Adjustable Rate Mortgage Loans. To qualify, the property must be located within Columbia Bank's qualifying census tracts or applicant cannot exceed maximum qualifying income levels for county in which property is located.

Purchase price and appraisal limits apply. Our special Affordable Housing Mortgage Program features include:

  • Minimum down payments as low as 3%.

  • ½% below our current 0 Point Mortgage Rate.

  • Priority loan processing and fast closings.

  • Available on Fixed and Adjustable Rate Mortgages.

  • Can be used for purchase or refinance.

  • No application fee, no rate lock fee, no appraisal fee, no credit report fee, no tax certification fee and no flood certification fee.

  • Available for owner occupied residence in NJ only (owner occupied, one or two family detached home and individual Condo/PUD approved units).

*Certain restrictions apply. This offer is subject to certain underwriting standards and can be withdrawn or modified at any time. To find our qualifying census tracts, income requirements, purchase price limits, current rates, debt-to-service ratio and fees, please call our Customer Service Center at 1-800-522-4167, or visit any Columbia Bank branch. Offer subject to credit approval.