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

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