LOG IN Home Rates Home Mortgages: Purchase Home Mortgages: Purchase EFFECTIVE AS OF 11/24/2021 Additional terms are available, speak to an Account Executive or visit your local branch to learn more. List Drop down Traditional Mortgage Products Loan Amounts Up To $548,250 Traditional Mortgage Products Loan Amounts Up To $548,250 *Payments do not include taxes and insurance (if applicable) and the actual payment obligation will be greater. Want to calculate your estimated payment? Calculate a Mortgage Payment Product Type Interest Rate¹ APR² *Monthly P&I Payments Per $1,000 Borrowed 30 Year Fixed 3.000% 3.028% 360 Payments of $4.22 Apply Now 25 Year Fixed 3.000% 3.033% 300 Payments of $4.74 Apply Now 20 Year Fixed 2.750% 2.789% 240 Payments of $5.42 Apply Now 15 Year Fixed 2.375% 2.426% 180 Payments of $6.61 Apply Now *Payments do not include taxes and insurance (if applicable) and the actual payment obligation will be greater. [1] Rates quoted are for purchase 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). Rates quoted assume a loan to value ratio up to 80% and a minimum credit score of 740. 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. Please contact an Account Executive for further details or other program terms. All loans are subject to credit approval. [2] APR calculation is based upon a loan amount of $350,000, and includes fee estimates for flood certification, real estate tax service, settlement / closing, fifteen (15) days of prepaid interest, origination fee, and points, if applicable. Traditional Mortgage Products Loan Amounts $548,251 to $1,000,000 *Payments do not include taxes and insurance (if applicable) and the actual payment obligation will be greater. Additional rates available up to $2,000,000 Want to calculate your estimated payment? Calculate Your Payment Now Product Type Interest Rate¹ APR² *Monthly P&I Payments Per $1,000 Borrowed 30 Year Fixed 2.875% 2.888% 360 Payments of $4.15 Apply Now 25 Year Fixed 2.875% 2.890% 300 Payments of $4.68 Apply Now 20 Year Fixed 2.625% 2.643% 240 Payments of $5.36 Apply Now 15 Year Fixed 2.250% 2.273% 180 Payments of $6.55 Apply Now *Payments do not include taxes and insurance (if applicable) and the actual payment obligation will be greater. Additional rates available up to $2,000,000 [1] Rates quoted are for purchase 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). Rates quoted assume a minimum credit score of 740. Maximum loan to value is 80% for loans up to $1,000,000. 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. 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. Please contact an Account Executive for further details or other program terms. All loans are subject to credit approval. [2] APR calculation is based upon a loan amount of $750,000, 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. $475 Low Fee Purchase Loan Amounts $100,000 to $548,250 *Payments do not include taxes and insurance (if applicable) and the actual payment obligation will be greater. Want to calculate your estimated payment? Calculate Your Payment Now Product Type Interest Rate¹ APR² *Monthly P&I Payments Per $1,000 Borrowed 30 Year Fixed 3.125% 3.149% 360 Payments of $4.28 Apply Now 25 Year Fixed 3.125% 3.153% 300 Payments of $4.81 Apply Now 20 Year Fixed 2.875% 2.908% 240 Payments of $5.48 Apply Now *Payments do not include taxes and insurance (if applicable) and the actual payment obligation will be greater. [1] Columbia Bank $475 Low Fee Home Purchase Program limited to purchase money mortgages with a maximum sales price of $999,999. Program restrictions may apply. Program offered for New Jersey properties ONLY. Rates quoted are for single-family, owner-occupied primary and secondary residences located in New Jersey. Rates quoted assume a loan to value ratio up to 80% and a minimum credit score of 740. 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. Please contact an Account Executive for further details or other program terms. All loans are subject to credit approval. [2] Columbia Bank $475 Low Fee Home Purchase Program APR calculation is based upon a loan amount of $350,000, and reflects fifteen (15) days of prepaid interest and an origination fee. FHA Limited To New Jersey FHA Lending Limits *Payments do not include taxes and insurance (if applicable) and the actual payment obligation will be greater. Looking to refinance instead? View Refinance Rates Product Type Interest Rate¹ APR² *Monthly P&I Payments Per $1,000 Borrowed 30 Year Fixed 3.000% 4.024% 360 Payments of $4.21 Apply Now *Payments do not include taxes and insurance (if applicable) and the actual payment obligation will be greater. [1] Rates quoted are for single-family, owner-occupied primary residences located in New Jersey. Maximum FHA loan amounts are based on number of units (one to four-families) and specific county location. 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. FHA requires both upfront and annual mortgage insurance for all borrowers, regardless of the down payment or LTV. Please contact an Account Executive for further details or other program terms. All loans are subject to credit approval. [2] APR calculation is based upon a loan amount of $350,000, and includes fee estimates for FHA mortgage insurance premiums, flood certification, settlement / closing, fifteen (15) days of prepaid interest, an origination fee, and points, if applicable. Adjustable Rate Mortgages Loan Amounts Up To $548,250 *Payments do not include taxes and insurance (if applicable) and the actual payment obligation will be greater. Want to calculate your estimated payment? Calculate Your Payment Now Product Type 30 Year Term APR¹ Initial Interest Rate² Fully Indexed Rate *Monthly P&I Payments Per $1,000 Borrowed 3/1 Arm 2.899% 2.500% 2.875% 36 Payments of $395.12 at 2.500% 324 Payments of $413.15 at 2.875% Apply Now 5/1 ARM 2.895% 2.625% 2.875% 60 Payments of $401.65 at 2.625% 300 Payments of $412.95 at 2.875% Apply Now 7/1 ARM 2.982% 2.875% 2.875% 360 Payments of $414.89 at 2.875% Apply Now *Payments do not include taxes and insurance (if applicable) and the actual payment obligation will be greater. [1] 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. [2] Rates quoted are for purchase 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). Rates quoted assume a loan to value ratio of 80% 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. 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. 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. 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