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Home In The City

African American couple in their home.

Own A Home In Your City

NBT Bank offers special mortgages for individuals buying a home in certain cities. Whether it’s your first loan or you’re looking to downsize, our lenders can help you with the process from start to finish. Our Home in the City program offers low down payments, no mortgage insurance, reduced interest rates and much more.1

Scroll down to Prequalify or contact a local lender.

Our program offers:

  • 95% financing with a low down payment for one- or two-family owner-occupied residences, including condominiums.
  • No mortgage insurance requirement.
  • 30-year mortgage with a fixed rate priced .25% below NBT Bank’s daily posted interest rate for First-time Homebuyers.2 First-time buyers must complete a required homebuyer education class prior to their loan closing from an NBT Bank-approved nonprofit housing partner. Non-first-time buyers will be priced at daily posted interest rates.3
  • Maximum 6% seller's contribution for closing costs/prepaids.

1 Offer subject to additional terms and conditions. Eligible properties are limited to those within the city limits of North Adams MA, Pittsfield MA — Keene NH, Manchester NH, Nashua NH, Portsmouth NH — Albany NY, Amsterdam NY, Binghamton NY, Cortland NY, Glens Falls NY, Gloversville NY, Johnstown NY, Norwich NY, Oneonta NY, Plattsburgh NY, Rome NY, Schenectady NY, Syracuse NY, Troy NY, Utica NY — Hazleton PA, Scranton PA, Wilkes-Barre PA — Burlington VT, Rutland VT, Winooski VT.

2 The discounted rate on a 30-year fixed-rate mortgage of $60,000 for a first-time homebuyer completing the required education would be an Annual Percentage Rate (APR) of 3.31% and would result in 360 monthly payments of $261.12. Payments do not include amounts for taxes and insurance premiums. Actual payment obligations will be greater.

3 The discounted rate on a 30-year fixed-rate mortgage of $60,000 for other qualified, but non-first-time buyers would be an Annual Percentage Rate (APR) of 3.56% and would result in 360 monthly payments of $271.44. Payments do not include amounts for taxes and insurance premiums. Actual payment obligations will be greater.

Let our lenders help you find the right mortgage and get you into your new home faster.

Get started now.

PREQUALIFY

You can also contact or prequalify directly with a local lender. Click below to select one from your region.

Mortgage Lenders

Dominic Goffredo II
Mortgage Originator
NMLS #128072

Lackawanna, Luzerne & Susquehanna Counties

130 North Keyser Avenue
Scranton, PA 18504

Phone
Email

Lynn Simmers
Mortgage Originator
NMLS #580576

Lackawanna & Wayne Counties

1187 Mount Cobb Road
Lake Ariel, PA 18436

Phone
Email

Anthony Piestrak
Mortgage Originator
NMLS #159018

Monroe, Pike & Wayne Counties

685 Scranton/Carbondale Hwy
Eynon, PA 18403

Phone
Email

Michael Huot
Mortgage Originator
NMLS #49782

Maine & New Hampshire

80 Canal Street
Manchester, NH 03101

Phone
Email

Vincent Olivo
Mortgage Originator
NMLS #471697

Maine, Massachusetts & New Hampshire

100 Market Street, Suite 201
Portsmouth, NH 03801

Phone
Email

Jay Bianchi
Mortgage Originator
NMLS #655366

Massachusetts

76 Park Street
Lee, MA 01238

Phone
Email

Christie Mitchell, CMP
Mortgage Originator
NMLS #515972

Vermont

150 Bank Street
Burlington, VT 05401

Phone
Email

New York Lenders

Dave Pentak
Mortgage Originator
NMLS #763686

Albany & Capital Region

54 State Street, Suite 100
Albany, NY 12210

Phone
Email

Robert Esposito
Mortgage Originator
NMLS #763687

Albany & Capital Region

80 Wolf Road, Suite 101
Albany, NY 12205

Phone
Email

Salvatore Casale
Mortgage Originator
NMLS #580555

Fulton, Montgomery & Hamilton County Region

12 Fremont Street
Gloversville, NY 12078

Phone
Email

John Hersey
Mortgage Originator
NMLS #580561

Glens Falls, Saratoga County & Southern Adirondack Region

86 Glen Street
Glens Falls, NY 12801

Phone
Email

Allen Fry
Mortgage Originator
NMLS #1540153

Northern Adirondack Region & Plattsburgh

2483 Main Street
Lake Placid, NY 12946

Phone
Email

David Carter
Mortgage Originator
NMLS #580554

Greater Binghamton

1310 North Street - Suite 1
Endicott, NY 13760

Phone
Email

Jessie Pepe
Mortgage Originator
NMLS #910315

Delaware, Otsego & Schoharie Counties

One Wall Street
Oneonta, NY 13820

Phone
Email

Christopher Hotchkiss
Mortgage Originator
NMLS #454702

Cortland

65 Main Street
Cortland, NY 13045

Phone
Email

Matthew Norris
Mortgage Originator
NMLS #571162

Chenango & Madison Counties

1 Madison Street
Hamilton, NY 13346

Phone
Email

Harry Cooper
Affordable Housing Originator
NMLS #67570

Greater Binghamton, Syracuse & Utica

1001 James Street
Syracuse, NY 13203

Phone
Email

Susan Bryerton
Mortgage Originator
NMLS #555908

Syracuse

700 North Main Street
Syracuse, NY 13212

Phone
Email

Jamie Elwyn
Mortgage Originator
NMLS #49951

Syracuse & Oswego

8250 Cazenovia Road
Manlius, NY 13104

Phone
Email

John Tompkins
Mortgage Originator
NMLS #555913

Syracuse

8260 Willett Parkway
Baldwinsville, NY 13027

Phone
Email

John Kearns
Mortgage Originator
NMLS #555911

Utica/Rome

1 Kirkland Avenue
Clinton, NY 13323

Phone
Email

Steven Teachout
Mortgage Originator
NMLS #580580

Utica/Rome

270 Genesee St
Utica, NY 13502

Phone
Email

 

 
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