Making Home Buying Easier–


Come talk to us about our Mortgage Pre-Qualification Program. Knowing where you stand right from the start will help make the home buying process faster and easier.

Home Financing

Opening Doors to Home Ownership for 115 Years

Whether you are a first-time home buyer, building a new home, or looking to upsize or downsize, First Columbia's mortgage experts are ready to discuss our best rates and terms. 

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 buying process.

Pam Young   570.387.4041

Pam Young

Vice President/Business Development Officer
232 East Street
Bloomsburg, PA 17815
Office: (570) 784-4400
Direct: (570) 387-4041
Fax: (570) 387-4049

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

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

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

NMLS # 480410  

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. Please consult your tax advisor.

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 at historic lows, 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. 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'll help you work the numbers to see if refinancing can save you money.


Click here for First Columbia Bank & Trust Co.'s Lender NMLS ID Numbers.