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    5. What is my Goal

    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.

    If you are thinking about purchasing a home for the first time, NBT offers various products that can suit your situation. If you are a New York State customer, NBT offers the First Home Club, where you can take advantage of a $4 match for each $1 saved toward the down payment of your home up to $7,500.

    There are also state housing programs for both New York State and Pennsylvania customers that offer more lenient qualification requirements. Click the link below to learn more about both products.

    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.

    LEARN MORE

    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.

    CONSTRUCTION PRODUCTS      HOME EQUITY OPTIONS

    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.

    REFINANCE PROCESS

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    Mortgage Rates

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    What Can I Afford?

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