NBT Bank Benefits
Still want to have personal assistance?
You can call or e-mail one of our mortgage professionals to answer any of your questions or to ask for advice.
Ready to close on your mortgage quickly?
We can get your mortgage approved in minutes, rather than days or weeks!
Free Pre-qualifications
We offer free pre-qualifications, so you can shop for your home knowing that you can afford the mortgage.
Confused about which program to choose?
We offer a variety of loan options to choose from including fixed rate mortgages and adjustable rate mortgages. We offer easy to understand explanations of each program on the site and a Mortgage Originator is always just a call or e-mail away!
Today's Featured Rates

Group 1 / NY / MA / NH
15 Year Fixed Rate
 Rate  APR  Points
 3.375%  3.439%  0.000%
30 Year Fixed Rate
 Rate  APR  Points
 4.250%  4.287%  0.000%
5/1 Year Adjustable Rate
 Rate  APR  Points
 3.250%  3.039%  0.000%
3/1 Year Adjustable Rate
 Rate  APR  Points
 3.250%  2.991%  0.000%
Group 2 / VT
15 Year Fixed Rate
 Rate  APR  Points
 3.375%  3.439%  0.000%
30 Year Fixed Rate
 Rate  APR  Points
 4.250%  4.287%  0.000%
5/1 Year Adjustable Rate
 Rate  APR  Points
 3.250%  3.039%  0.000%
3/1 Year Adjustable Rate
 Rate  APR  Points
 3.250%  2.991%  0.000%


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