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Loan Process

You may ask yourself, "What do I need to start my Home Equity Line of Credit application process?" At NBT Bank, we understand that your time is important. That's why we created this easy to follow page to help guide you through the process of applying for a Home Equity Line of Credit.

Step 1: Prior to Applying

Step 2: Apply

The loan application process should take approximately 10 minutes.  Having the following items available for reference will assist you with the application process:

  • Driver’s License, Passport, Military ID or State ID
  • U.S. Social Security Number
  • U.S. Citizenship or Resident Alien Status
  • A current paycheck stub and/or employment information
  • For a full application checklist, click here.

Step 3: Send Documents

Once you complete the application information and submit your application, you will receive a confirmation number via e-mail.  Please retain this number as a record of your application and for future reference. 

An NBT Bank Consumer Loan Specialist will contact you within one business day of your application submission.  We will contact you via the preferred method you provided within the loan application process.

Step 4: Before You Close

During the application process, a team of experts will be working together to ensure that your Home Equity request is processed seamlessly.

  • Your NBT Bank Consumer Loan Specialist will place orders for a property appraisal or evaluation report, a flood determination, a title search, and title insurance (if applicable).
  • Once we have reviewed and approved all of your documentation and information, a final approval will be granted on your loan.

Step 5: Closing

Once final approval is granted and your NBT Bank Consumer Loan Specialist has cleared your file for closing; they will work with you to schedule your loan closing.  Loan closings will take place at an NBT Bank Branch location nearest you. 

  • A closing package will be prepared, each borrower will need to sign the documents and your home equity account will be established.
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