Home Mortgage Loans

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Mortgage Loans

What is my Goal

Learn About Mortgage Options

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 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.

What can I afford

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.

Mortgage Loan Programs

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.

Mortgage Process

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.

Mortgage Rates

Check 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

Find 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 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.