Mortgage Process

Buying a home or deciding to refinance can be overwhelming. That’s why we created a simple one page reference document for you to follow to help guide you in the mortgage or refinance process.

What do I need to do to start my refinance process?

Prior to Refinancing

Refinance Application Process

  • Understand the different types of Mortgage Loan Programs available with NBT Bank and select the one that’s right for you.
  • Learn about the costs associated with NBT Bank loans by checking our Mortgage Rates.
  • Gather and update your paperwork.
  • NBT Bank will order an appraisal of your desired property.

Refinance Closing

  • Submit your NBT Bank loan documents and answer requests from your NBT Mortgage Originator.
  • Secure Homeowner’s Insurance with NBT Insurance.
    • Loan-related insurance (title insurance, homeowner's insurance, mortgage insurance).
    • Property-related insurance (flood, wind, hazard)
  • Close on your NBT Bank loan.
  • Save and file your NBT loan documents.
  • Remember that proof of any taxes due within 60 days of closing are paid or escrowed.

Investment and Insurance Products:
• Are Not Deposits • Are Not FDIC Insured • Are Not Insured by Any Federal Government Agency • Are Not Guaranteed by the Bank • May Lose Value

NBT Bank Logo
NBT Bank - Please Upgrade Your Browser.

It appears that the version of Internet Explorer you are using to view this site is no longer supported by our website. At NBT Bank we value your security and strive to deliver the highest quality online experience. To ensure the best and most secure performance we recommend upgrading to the latest version of Microsoft Edge, Mozilla Firefox or Google Chrome.

Please visit,, or to download the current version(s).

If you have any questions or need any assistance please contact Customer Service at 1-800-NBT-BANK.