Home 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.
What is my Goal
Based on your life events, we have different mortgage options for you.
Help Me Decide
View and compare all our mortgage options.
What Can I Afford
Our mortgage loan calculators can help you understand how much home you can afford.
Mortgage Loan Programs
Loan programs for first-time homebuyers, additions and more.
Mortgage Process
Our step-by-step guide on what to expect during the mortgage or refinance process.
Mortgage Rates
Check our current rates.
Getting Started with a Loan Originator
Contact a mortgage originator today.
Current Mortgage Customers
Learn about options to manage your loan.
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If you have any questions or need any assistance please contact Customer Service at 1-800-NBT-BANK.