Homeownership Designed for Your Budget
Real solutions for real life—flexible paths to homeownership, with expert guidance every step of the way for homebuyers across the NBT Bank footprint in the Northeast.
CRA 97 Loan
An NBT community-focused loan offering up to 97% financing to lower upfront costs. Designed to support homeownership in eligible areas with flexible qualification guidelines.
USDA Rural Guaranteed Loan
An NBT loan for eligible rural properties offering 100% financing with no down payment required. A strong option for buyers seeking affordable homeownership in rural communities.
VA Loan
An NBT loan available to eligible veterans, active-duty service members, and surviving spouses. Offers 100% financing, no down payment, and no private mortgage insurance.
Portfolio 97 Loan
An NBT portfolio loan offering up to 97% financing with flexible underwriting. Ideal for buyers who may not meet standard mortgage guidelines.
NBT Neighborhood Loan
Buyers have access to affordable financing and flexible credit options through this loan program. This program is offered in the Buffalo and Rochester markets.
Housing Agency Loan
An NBT-partnered loan backed by approved housing programs. Great for income-eligible buyers, offering low down payment options and additional guidance through nonprofit or housing agency support.
Home in the City Loan
An NBT program crafted for buyers purchasing in eligible city regions. Provides flexible financing and higher income limits than many affordable options, helping make urban homeownership more attainable.
FHA Loan
An NBT FHA-backed loan offering low down payment options and flexible credit requirements. A dependable choice for first-time buyers seeking predictable financing.
NBT Affordable Loan
Making homeownership more accessible, this loan offers low down payment options and flexible qualification guidelines for income-eligible buyers. With strong loan-to-value options and no private mortgage insurance required, an NBT Affordable Loan helps reduce upfront costs for first-time buyers. This program is offered in the Buffalo and Rochester markets.
Your next steps start here.
Connect with an NBT Bank lender and discover options that can help make homeownership more accessible.
