Mortgage Loan Options
Let's Get You Moving
With a mortgage from NBT Bank, you get expert guidance every step of the way. Explore different loan options with the help of our lenders, try our loan calculator to see how much home you can afford, or start the process and apply online. We're here to help, from beginning to end.
VIEW RATESAct Now! Special Terms on Mortgage Loans Available in 2024!
Partner with a local mortgage loan originator to get started on your loan application. Connect with a loan originator in your area today!
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-Term Mortgage
23 in '24 Mortgage
This special fixed-rate loan features a lower interest rate with a 23-year term so you can lower your interest rate and pay your home off sooner than traditional 30-year mortgages.
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.
