Take a moment to apply online and a representative from 1st Columbia will contact you within 72 hours.   Credit Grade, Loan to Value and Debt Ratio are very important factors in your eligibility to qualify for a loan.            All you need to know about the Loan Process.              Whether you're a first-time home buyer or just in the market for a new home, here are several guidelines you should follow to ensure quick processing of your loan.       1st Columbia Mortgage goes to great lengths to make sure we have qualified you accurately before we visit you in your home. Listed here are 3 variables, which may alter the terms of the proposal we have approved for you. FAQ's, or Frequently Asked Questions, are usually the quickest route to the answer that you are looking for. Listed here are some of the most common questions we recieve along with their answers.