FDIC

FDIC-Insured-Backed by the full faith and credit of the U.S. Government

FDIC

FDIC-Insured-Backed by the full faith and credit of the U.S. Government

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Routing Number: 221271935

Routing Number: 221271935

No-Fee Refinance

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!

Benefits of Refinancing With Columbia Bank

Appraisal Fee No additional fee for having your home appraised.

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

Application Fee Submit your refinancing application free of charge.

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

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

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

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

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

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

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

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[1] 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. 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.

[2] First Jersey Title Services, Inc. is a wholly owned subsidiary of Columbia Bank.

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To help visitors understand information on this website in a variety of languages, Columbia Bank offers GoogleTM Translate, an unaffiliated third party service, which automates translation of the website. The GoogleTM Translate automated translation tool is not perfect and should not be relied upon. Automated translation may miss context, the full meaning may be lost, or words, phrases or sentences may be inaccurately translated. In addition, to the extent GoogleTM Translate caches and presents older versions of the Columbia Bank website content, that is beyond the control of the Columbia Bank site and its operators who accept no responsibility or liability for the outdated translation.

As a result, Columbia Bank does not make any promises, assurances, or guarantees as to the accuracy of the translations provided or the accuracy of the converted text. Columbia Bank and its affiliates disclaim and will not accept any liability for damages or losses of any kind caused by or arising out of the use of or reliance on the Google Translate feature. Where there is any question, the English version is always the authoritative version of the website.

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Please be advised that deposit and loan disclosures and contractual documents will only be provided in English.

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