Home Financing

First Columbia Bank is this area's number one mortgage lender, putting more people in more homes in Columbia County than any other financial insititution.* There is a reason why. Find out for yourself. Let's see what we can do for you.

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

First Time Homebuyers We're working to make homebuying more affordable. For a limited time, first time homebuyers may be eligible to receive a $495 discount on closing costs.* Contact a mortgage specialist for more detail. *Discount applies to application, documentation, and underwriting fees for first time homebuyers and VA loans only. Must meet certain conditions to qualify as a first time homebuyer or VA loan applicant. Excludes PHFA and FHA (Quicken) Loans. Offer expires 8/31/2017. Not valid with any other offers. Loans subject to credit approval.

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 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 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 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 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 Assistant Vice President/Mortgage Originator   400 Walnut Street Danville, PA 17821   Office: (570) 416-5333 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.
 

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

Loan subject to credit approval.
* Based on public records of mortgages recorded in Columbia County in 2012 - 2016.

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