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Competitive No Fee Refinance NJ Mortgage

Happy family with their $0 Refinance options from Columbia Bank
Happy family with their $0 Refinance options from Columbia Bank
For those who are considering refinancing, one of the biggest concerns are the fees associated with the process. Sometimes these may outweigh the benefits that are gained through refinancing savings. When you refinance your single-family home with Columbia Bank, the great news is you don’t have to worry about expensive fees, because of our no cost refinance NJ process.


Start the Refinancing Process Online

Columbia Bank makes it easy to get the home loan refinancing options you need. You can begin the refinancing process online & one of our experienced refinancing professionals will be in touch with you to discuss your goals and options!

Refinance Today

Benefits of Refinancing With Columbia Bank

Besides offering competitive home refinance rates in NJ, when you refinance with Columbia Bank for a single-family home, you WILL NOT pay for:

  • Appraisal Fee. No additional fee for having your home appraised.

  • Application Fee. Submit your refinancing application free of charge.

  • Credit Report Fee. As part of the process, there is no fee for acquiring your credit report.

  • Attorney Fee. No additional charges for the lawyer that conducts the closing.

  • Title Fee. Your property's records will be thoroughly reviewed at no cost to you.

  • Survey Fee. You don't pay a fee and the lender still gets to survey the property. Everybody wins.

  • Tax Service Fee. No fee for bringing in a third party to handle the property tax bills.

  • Mortgage Recording Fee. We'll send the government the information they need. No extra fee needed.

  • Settlement and Underwriting Fees. More lender fees you won't have to worry about.

  • Flood Certification Fee. It won't cost you anything for the lender to check flood zones.

At Columbia Bank, we are committed to helping our customers live the lifestyles they want through better home mortgages. We’ve designed our refinancing program to enable our clients to get the refinancing they desire through responsible lending and a thorough approval process. 

*This limited time offer is available for 1-4 family primary residences located in New Jersey. Minimum loan amount is $100,000. Maximum loan amount is $750,000. All loans are subject to approval in accordance with Columbia Bank’s lending policies. Borrowers will be required to fund any prepaid interest, tax escrows, flood insurance escrows, private mortgage insurance escrows, condominium questionnaire fees, and subordination fees associated with the transaction (if applicable). Under this program, Columbia Bank will select an appropriate title insurance provider which currently is First Jersey Title Services, Inc. Title must be held in the name of individual(s) and the property must not be listed for sale. Additional program restrictions may apply. Offer of credit is subject to credit approval. Other terms and refinancing programs are available. This offer may be withdrawn or modified at any time.