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

What is My Goal?

Let us help you find exactly what you’re looking for. Review the options below and select the one that best fits your needs. From there you will be directed to products that are ideal for your situation.

There are several state housing programs for New York State customers that offer home financing options. Click the link below to learn more.


Fixed Rate Loan: offers a fixed rate through the life of the loan, usually 15 or 30 years

Adjustable Rate Mortgage: offers a lower fixed initial rate for certain time period, then rate will change periodically in relation to an index.


There are multiple options to choose from whether you are starting from scratch or looking at add an addition onto your home. NBT Bank offers construction end loans and draw loans, as well as Home Equity options if you would like to leverage the equity in your home to build your addition. Click the links below to learn more.


You've been chipping away at your mortgage for a while and you want to pay it off sooner. Refinancing to a shorter term may be the right choice for you, especially if interest rates are low! To learn more about the refinance process, click the link below or give us a call at 1-800-628-2265 and we will be happy to answer any questions you may have.


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