We're working to make homebuying more affordable.
Let us help you make the dream of home ownership a reality. Our mortgage specialists will work one-on-one with you to find a financing solution that fits your life. With no and low down payment options, we'll help you get in your new home for less.
Online Mortgage Center
Our online mortgage center expedites and streamlines the mortgage process and paperwork and helps us identify the right mortgage program for you.
Your Mortgage Specialists
While our online mortgage center facilitates the secure electronic delivery of documentation, be assured that your locally-based lender will be with you every step of the way from pre-approval through closing. This personal touch remains a cornerstone of our service, and we'll be there to guide you and answer any questions you have along the way. If you are currently working with, or have been referred to, one of our lenders, please click on their name to access our online mortgage center.
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. 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. Contact our Mortgage Specialists for more information and current rates.
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.
Loans are subject to credit approval. NMLS#410779
|First Columbia Bank & Trust Co.'s Lender NMLS ID Numbers:|