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    1. Personal
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    4. Mortgage Loans

    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.

    Prequalify Apply Online Check Your Loan Status

    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

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

    This link will take you from NBT Bank's website to a third-party location that is not controlled by NBT Bank. Please note that this new site may have a different policy on privacy, cookies, data collection and other user issues. NBT Bank does not monitor content on third-party websites and does not endorse and is not responsible for the content, guarantees, privacy policy, security, and products and services that are offered or expressed on them.

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