Home Financing

 

Find out what makes us the #1 mortgage lender in our area.



 
Online Mortgage Center

  • Apply online for a mortgage at your convenience—24 /7
  • Find current interest rates
  • Get information on different types of financing available


 

Your Mortgage Specialists

Meet our team of locally-based mortgage originators who will guide you every step of the way through the home financing process.

Pam Young   570.387.4041

Pam Young

Vice President/Business Development
 
232 East St.
Bloomsburg, PA 17815
Office: (570) 387-4041
Fax: (570) 387-4049
 
E-mail: pyoung@firstcolumbiabank.com

NMLS # 480448

Jean MacDermott   570.925.6181

Jean MacDermott

Vice President/Business Development
 
200 Market Street
Benton, PA 17814
 
Office: (570) 925-6181
Fax: (570) 925-5467
 
E-mail: jmacdermott@firstcolumbiabank.com

NMLS # 463259  

Rick Talanca   570.854.8942
 

Rick Talanca

Vice President/Mortgage Originator
232 East St
Bloomsburg, PA 17815
 
Office: (570) 784-4400
Cell Phone: (570) 854-8942
 
Fax: (570) 416-0474
 
E-mail: rtalanca@firstcolumbiabank.com

NMLS # 485258 

Michelle Densberger   570.394.2503
 

Michelle Densberger

Vice President/Mortgage Originator
 
232 East St.
Bloomsburg, PA 17815
 
Office: (570) 394-2503
Cell Phone: (570) 394-2503
 
Fax: (570) 416-0474
 
E-mail: mdensberger@firstcolumbiabank.com

NMLS # 480410  

Brooke Pennington 570.336.9833

Brooke Pennington

Assistant Vice President/Mortgage Originator
 
232 East St.
Bloomsburg, PA 17815
 
Office: (570) 387-4639
Cell Phone: (570) 336-9833
 
Fax: (570) 416-0474
 
E-mail: bpennington@firstcolumbiabank.com

 

NMLS # 464373  


Home Equity Options

Home Equity Line of Credit

With a Home Equity Line of Credit, you can use the value of your home to help pay for expenses such as college tuition, home improvements, or a new car.  With a line of credit, you borrow only what you need, when you need it. The interest you pay on the loan may also save you money on your income taxes.* Contact our Mortgage Specialists for more information and current rates. 

Home Improvement Loans/Second Mortgages

By tapping the equity in your home, a home equity loan or second mortgage can make enhancing your home or building that long-desired addition a reality. With rates still low, there's never been a better time to look at home equity options. The interest you pay on the loan may also save you money on your income taxes.* Contact our Mortgage Specialists for more information and current rates. 
 

* Please consult your tax advisor.
 

    Personalized & Responsive Financing Solutions

» Eyeing up acreage?

In our area, many properties have considerable acreage. In the lending world, these properties are more difficult to finance. However, as a community bank with a keen understanding of this area's real estate environment and the local economy, we are able to finance many of these properties, whereas lenders in the secondary loan market would not. Come talk with us about that land you have your eye on.

     » Should I refinance?

With current low rates, refinancing may offer significant cost savings to existing homeowners. We're here to help you work the numbers and determine if refinancing can save you money. Get started with our online refinancing calculators

 

Click here for First Columbia Bank & Trust Co.'s Lender NMLS ID Numbers.
* Based on public records of mortgages recorded in Columbia County in 2012 - 2014.