Let's Get You Moving
Mortgage Loan Options
With competitive lending rates and over 15 home loan options, we’re ready to help you get started, whether it’s your first home or your dream home. Explore our current rates, loan options, and featured mortgage products below.
Connect with a Mortgage Specialist
With a mortgage from NBT Bank, you get expert guidance every step of the way. Start your online mortgage application and get personalized support by partnering with a mortgage expert near you.
VA Home Loans
With up to 100% financing available, a clear path to homeownership for veterans, active-duty buyers, and military families starts here.
No Closing Cost Mortgage*
Reduce your out-of-pocket costs, or use that savings to put more down with our No Closing Cost Mortgage option.
Low Down Payment
Multi-Family Homes
Earn income while you live in your home with mortgage loan options for 2-4 family unit primary residences. Only 5% down payment required!
Lower Monthly Payment
No Mortgage Insurance
Are higher monthly payments making it hard to qualify for the home loan you want? Get back in the game with only 10% down and no monthly mortgage insurance (MI) payment.
Mortgage Resources for You
*The No Closing Cost Mortgage product excludes most up-front mortgage loan fees, including but not limited to origination fees, processing or application fees, flood certifications, credit report and underwriting fees, appraisal reports, and mortgage recording and mortgage tax fees. Borrower(s) will still be obligated to pay third-party and optional fees, including but not limited to any fees associated with buying down or extending the interest rate, real estate tax prorations, homeowner’s insurance premiums, home inspections and surveys, owner’s title insurance and private mortgage insurance premiums, closing and escrow fees, and reserve funds for escrow accounts.
