NBT Bank

NBT Bank is one of the Oldest Federally Chartered Savings Bank in New York State, celebrating it’s 170th Birth Day.

NBT Bank offers 100% Dr loan financing to $850,000.00 – no PMI – future income is allowed. Higher loan amounts available with 5% or 10% down. Purchase and refinance, primary residence. Single family, Condos, and PUD’s. We encourage you to shop our mortgage rate

NBT’s Medical Professional loan, helps Medical Professionals, qualify for higher loan payments than standard mortgages, has a no-
money down option, No PMI and allows Medical Professionals to free up money. Gift Funds from a Family Member and Sellers Concessions are also allowed.

Loan Officers

Michael DiDonna (NMLS #590019)

STATES:  NY, PA
EMAIL:  [email protected]
PHONE:  585-944-1184

Terms

  • 100% financing to $850,000.00
  •  30 Year Fixed Rate, 5/6 ARM, 7/6 ARM , 10/6 ARM
  • PURCHASE
  • Single Family, Condo’s, PUD’s
  • No PMI (Private Mortgage Insurance)
  • Employment contract/future income allowed – close 60 days prior to start date
  • Self-employed allowed
  • Seller contributions allowed
  • Gift funds from Family Allowed
  • Loan recast available

Professions

MD, DO, DDS, DMD, Resident, Fellows, PA, DVM, DC, DPM

Strengths

  • Construction Draw Loans
  • Long term construction rate locks with Float Down
    Feature
  • 90% LTV Mortgages with No PMI
  • Neighborhood Champions Teachers, RN’s, Police and
    Firemen
  • Conventional (purchase or refinance)
  • Home Equity loans
  • FHA, VA and USDA
  • First Time Home Buyer

Disclaimer

Disclaimer: Rates and programs can change anytime without notice.