NBT Home Loans : Local - Trustworthy - Professional



Whether you are a borrower or a Realtor with a client who needs a home loan, the home loan process should be a positive experience. You deserve the benefits of an independent licensed mortgage broker who will:

  • Communicate clearly
  • Responds quickly to your questions and needs
  • Has expert knowledge
  • Is trustworthy and honest



With 40+ years of industry experience, I'll provide you with the honest advice and personal service you deserve along with the ease of technology.

We know that each customer has specific needs, so we strive to meet those specific needs with a wide array of products, investment tools, mortgages and best of all, quality service and individual attention.

If you are comfortable doing so, you may submit a complete an online secure loan application for both a formal loan application or pre-approval. You may also evaluate some of your different financing options by using our interactive calculators and going over various mortgage scenarios. However, other options not displayed in the on-line calculator may actually be better for you - such as our lender paid alternative to traditional MI for some loans. Call me to find out what is best for you and your goals. 


Navigating the world of financing can be overwhelming, When you need a purchase, refinance or cash out equity loan, let us help. Tell us about your needs, goals and lifestyle preferences so we can explain your options to help you along your home ownership dream path. 

 Our standout offerings include conventional, jumbo, VA and ARMs for purchase and refinances as well as fixed and variable cash out seconds. Take advantage of our expertise in these areas to be sure you understand and receive the right combination of rates and terms, making the home-buying process smoother and more accessible.