Home Mortgage Loans

• Help Me Choose a Mortgage Option

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.

• View Calculators

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.

• Learn About 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.

• Learn About the Loan 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.

• Check Mortgage Rates

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

• Find a Mortgage Originator

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

• Current Mortgage Customer Information

Are you a current NBT Bank mortgage customer? Learn more about managing your loan, including payment options, payoff information, service fees, and more.