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.