Current Mortgage Rates

We’re glad you’re here. Getting a home loan can be both exciting and stressful at the same time. You want a great rate and great service for one of the most important purchases in your lifetime. We’re happy to tell you that it’s possible at NBT.

We continuously work to offer our customers competitive rates, coupled with exceptional service from our Mortgage Loan Originators. Our team is experienced, skilled and ready to help you navigate the complexities of the mortgage process.

We’re pleased to offer numerous mortgage loan options to suit your needs. Feel free to view our programs and rates to find what’s best for you. You can always connect with a Mortgage Loan Originator to get your questions answered.

Mortgage Rates Get Started Today

Mortgage Rate Discount

Set up an automatically deducted payment from your NBT Bank Personal Checking account and receive a 0.125% rate deduction.

Open Checking Account Learn More

Home Equity Line of Credit

We are offering introductory rates with no closing costs to qualifying applicants who are looking to finance future home improvements or other expenses. Please ask your Mortgage Loan Originator for details.