Current Mortgage Customers

If you are a current NBT Bank Mortgage Loan Customer, your can click on the headings below to learn more about managing your mortgage.

We offer a variety of ways to pay your mortgage. Click the link below to view them all and choose which works best for you.


You’ve been chipping away at your loan and you’re ready to pay it off. You can contact us at (800)-628-2265 and you’ll need to supply the following information:

  • Your Account number
  • Payoff date
  • Where the payoff is going (i.e. attorney, title company)
  • Fax number to where payoff is going

This schedule provides general information about non-state specific fees that could be associated with servicing an NBT Bank mortgage loan account. It is not intended to be a complete list of all fees that could be assessed. This schedule is provided for informational purposes only.


Refinancing loans are a great option to replace your current loan with a new mortgage that has better terms. These types of loans are particularly attractive when interest rates are low. If you would like more information about the refinancing process or the mortgage products we offer, click the links below.


NBT is here to help if you are having difficulty keeping up with your home loan payments.

We understand that life can be challenging and we’re here to help. Let us work with you during these difficult times. We may be able to offer options based on your goals and you may have more options than you think.

Visit our Home Loan Repayment Assistance page for more information and how to connect with us.

What is an escrow account? An escrow account is an account you fund each month as part of your total monthly payment. We use it to make property tax and insurance payments for you. Items like mortgage insurance and flood insurance may also get paid from the account.

Escrow accounts are usually required when your down payment was less than 20%. But even if it isn't required, they can be very beneficial. You would make combined escrow and mortgage payments every month and rather than having to remember when your property tax and insurance bills are due, we pay them on your behalf. 

If you have an escrow account with us, we want to ensure you understand exactly what’s involved in the payment. Give us a call at 1-800-628-2265 and we will provide an analysis for you and answer any questions you may have.