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Construction Mortgage Loans

Experience expert lending from the ground up

You need a home that meets your exact needs, which is why you've decided to have a new home built. Now, it’s time to build a mortgage that does the same. Learn how NBT Bank’s expert lenders can help you find the loan type that works best for your project. The good news is, you’ve got options!

 

Construction End Loan

A permanent, long-term rate-locked loan – you don’t pay until after your home is finished.

 

Construction Draw Loan

You make interest-only payments as stages of the house are complete, then pay full principal and interest after the draw period is over.

 

Talk to your local mortgage originator for help making the right choice at a great rate and prequalify today to take the first step toward your new home.

New York Pennsylvania New England

 

New York Mortgage Originators

Dave Pentak
Mortgage Originator
NMLS #763686

Albany & Capital Region

54 State Street, Suite 100
Albany, NY 12210

Phone
Email

Robert Esposito
Mortgage Originator
NMLS #763687

Albany & Capital Region

80 Wolf Road, Suite 101
Albany, NY 12205

Phone
Email

Matthew Norris
Mortgage Originator
NMLS #571162

Chenango & Madison Counties

1 Madison Street
Hamilton, NY 13346

Phone
Email

Christopher Hotchkiss
Mortgage Originator
NMLS #454702

Cortland

65 Main Street
Cortland, NY 13045

Phone
Email

Lisa Johns
Mortgage Originator
NMLS #580562

Delaware & Schoharie Counties

156 Robinson Street
Binghamton, NY 13904

Phone
Email

Salvatore Casale
Mortgage Originator
NMLS #580555

Fulton, Montgomery & Hamilton County Region

12 Fremont Street
Gloversville, NY 12078

Phone
Email

John Hersey
Mortgage Originator
NMLS #580561

Glens Falls, Saratoga County & Southern Adirondack Region

86 Glen Street
Glens Falls, NY 12801

Phone
Email

David Carter
Mortgage Originator
NMLS #580554

Greater Binghamton

1310 North Street - Suite 1
Endicott, NY 13760

Phone
Email

Allen Fry
Mortgage Originator
NMLS #1540153

Northern Adirondack Region & Plattsburgh

2483 Main Street
Lake Placid, NY 12946

Phone
Email

Larry Pentak
Mortgage Originator
NMLS #54052

Otsego County

1 Wall Street
Oneonta, NY 13820

Phone
Email

Susan Bryerton
Mortgage Originator
NMLS #555908

Syracuse

700 North Main Street
Syracuse, NY 13212

Phone
Email

Jamie Elwyn
Mortgage Originator
NMLS #49951

Syracuse, Oswego, Franklin & St. Lawrence Counties

8250 Cazenovia Road
Manlius, NY 13104

Phone
Email

John Kearns
Mortgage Originator
NMLS #555911

Utica/Rome

1 Kirkland Avenue
Clinton, NY 13323

Phone
Email

Jeffrey Witherwax
Mortgage Originator
NMLS #1087651

Utica/Rome

270 Genesee Street
Utica, NY 13502

Phone
Email

Pennsylvania Mortgage Originators

Dominic Goffredo II
Mortgage Originator
NMLS #128072

Lackawanna, Luzerne & Susquehanna Counties

130 North Keyser Avenue
Scranton, PA 18504

Phone
Email

Lynn Simmers
Mortgage Originator
NMLS #580576

Lackawanna & Wayne Counties

1187 Mount Cobb Road
Lake Ariel, PA 18436

Phone
Email

Anthony Piestrak
Mortgage Originator
NMLS #159018

Monroe, Pike & Wayne Counties

736 Main Street
Dickson City, PA 18519

Phone
Email

Maine, Massachusetts, New Hampshire & Vermont Mortgage Originators

Michael Huot
Mortgage Originator
NMLS #49782

Maine & New Hampshire

80 Canal Street
Manchester, NH 03101

Phone
Email

Vincent Olivo
Mortgage Originator
NMLS #471697

Maine, Massachusetts & New Hampshire

100 Market Street, Suite 201
Portsmouth, NH 03801

Phone
Email

Peter O'Brien
Mortgage Originator
NMLS #696424

Vermont

112 West Street
Rutland, VT 05701

Phone
Email

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