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  1. Personal
  2. Products & Services
  3. Home Financing
  4. Mortgage Loans

Mortgage Loans

At NBT Bank, we strive to provide easy and convenient tools to educate you on the mortgage process before you purchase a home, refinance your mortgage, build or improve your home. Whether you need help choosing the right product or want to review rates, choose from the slider below to get started on your mortgage education. Or, if you know exactly what you want, you can apply online today.

Prequalify Apply Online Check Your Loan Status

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Mortgage Loans

What is my Goal

What is my Goal

It can be difficult to know what mortgage product may be right for your situation. If you need help, you can choose which life event with which you closely identify to give you some suggestions on what product may work best for you.

Help Me Decide

Help Me Decide

If you’re deciding between a few of our offerings, we have made an easy-to-read chart that compares all mortgage products NBT Bank offers side-by-side.

What can I afford

What can I afford

If you need help identifying what you can afford or what your payments would look like, our mortgage loan calculators may be of some assistance.

Mortgage Loan Programs

Mortgage Loan Programs

NBT Bank offers a multitude of Mortgage Products that can fit your needs, whether you're a first-time homebuyer, are buying a second house, or adding an addition.

Mortgage Process

Mortgage Process

Not everyone is an expert on mortgage products, and that is exactly why we are here. This will give you a step-by-step guide on what to expect from us and what is expected of you.

Mortgage Rates

Mortgage Rates

Rates can vary depending on the market conditions. Check our current rates, prequalify, find a Mortgage Originator or apply online today!

Contact a Mortgage Originator

Contact a Mortgage Originator

Contact one of NBT Bank's many mortgage originators to help you in the purchase or refinance process.

Current Mortgage Customers

Current Mortgage Customers

If you already have a mortgage with NBT Bank, or have just applied, this may have answers to some of your questions.

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