Martin Luther King Jr Day

The bank will be closed on Monday, January 20th in observance of the holiday.


Prequalification makes buying a home Faster & Easier


Mortgage Credit Certificate Program learn more



Imagine saving $2,000 in taxes each year with our Mortgage Credit Certificate Program!


Mortgage Credit Certificate Program learn more



See how we can help Veterans with our VA Home Loan program


Mortgage Credit Certificate Program learn more



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


Home Financing

 Rates as Low as 3.25%
      (3.35% APR)
Apply Now!

Start the new year out right with a better interest rate and a lower mortgage payment. Fixed rates are really low, so now may be the perfect time to refinance or refinance with cash out to pay for life’s big expenses.

We're here to help you work the numbers and determine if refinancing can save you money. Get in touch with our mortgage specialists today for a free mortgage review and find out how you can start the new year with a lower mortgage payment.

Call us at 570.387.7197 or send us an e-mail.  

Check out our Refinancing Calculators to see how you could lower your payment and save on interest over the life of your loan.

We're working to make home buying 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. 

  • Apply online for a mortgage at your convenience—24 /7 
  • The application typically takes 10 to 15 minutes to complete.
  • For your application, you'll need your SSN and employment and income information about yourself and any other borrowers.   

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.  

Buying Land?

In our area, many properties have considerable acreage. In the lending world, these properties are sometimes 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. 


Terms and conditions apply. Loans are subject to credit approval. 

First Columbia Bank & Trust Co.'s Lender NMLS ID Numbers: