NBT Bank Logo
NBT Bank - Please Upgrade Your Browser.

It appears that the version of Internet Explorer you are using to view this site is no longer supported by our enhanced website. At NBT Bank we value your security and strive to deliver the highest quality online experience. To ensure the best and most secure performance we recommend upgrading to the latest version of Internet Explorer, Mozilla Firefox or Google Chrome.

Please visit Microsoft.com, Google.com, or Mozilla.org to download the current version(s).

To directly access an account login page please use the links below:
NBT Online Banker | eStatements | StrataWeb | NBT 401(k) Daily Services | NBT Remote Deposit

If you have any questions or need any assistance please contact Customer Service at 1-800-NBT-BANK.


Mortgage Loans

At NBT Bank, we strive to provide easy and convenient tools to educate you on the mortgage process before you purchase a home, refinance your mortgage, build or improve your home.  Whether you need help choosing the right product or want to review rates, choose from the slider below to get started on your mortgage education. Or, if you know exactly what you want, you can Apply Online today.

Apply Online     Check Your Loan Status

Mortgage Loans

  • What's My Goal?
  • What can I afford?
  • Mortgage Process
  • Rates
  • Help Me Decide
  • Current Mortgage Customers
  • Mortgage Loan Programs
  • Contact a Mortgage Originator
What's My Goal?

What's My Goal?

It can be difficult to know what mortgage product may be right for your situation. If you need help, you can choose which life event with which you closely identify to give you some suggestions on what product may work best for you.

What can I afford?

What can I afford?

If you need help identifying what you can afford or what your payments would look like, our mortgage loan calculators may be of some assistance.

Mortgage Process

Mortgage Process

Not everyone is an expert on mortgage products, and that is exactly why we are here. This will give you a step-by-step guide on what to expect from us and what is expected of you.

Rates

Rates

Rates can vary depending on the market conditions. Click here to see our up to date rates or request a personalized rate quote.

Help Me Decide

Help Me Decide

If you’re deciding between a few of our offerings, we have made an easy-to-read chart that compares all mortgage products NBT Bank offers side-by-side.

Current Mortgage Customers

Current Mortgage Customers

If you already have a mortgage with NBT Bank, or have just applied, this may have answers to some of your questions.

Mortgage Loan Programs

Mortgage Loan Programs

NBT Bank offers a multitude of Mortgage Products that can fit your needs, whether you're a first-time homebuyer, are buying a second house, or adding an addition.

Contact a Mortgage Originator

Contact a Mortgage Originator

Here you will find all of NBT Bank's Mortgage Loan Originators and their contact information.

This link will take you from NBT Bank's website to a third-party location that is not controlled by NBT Bank. Please note that this new site may have a different policy on privacy, cookies, data collection and other user issues. NBT Bank does not monitor content on third-party websites and does not endorse and is not responsible for the content, guarantees, privacy policy, security, and products and services that are offered or expressed on them.

Are you sure you want to continue?

Yes No
X