Mortgages
Turning your home ownership vision into reality.
Mortgages
Turning your home ownership vision into reality.
The NDBT mortgage team, with more than 130 years of combined financial experience, is committed to providing excellent service to our community of customers. We look forward to serving you; contact our mortgage lenders today!
Meet Our Mortgage Lenders
Select the Mortgage Option Best for Your Moment in Life
Time to Buy or Refinance Your Home?
The Mortgage Division of NDBT can help you with your purchase and refinance needs. We offer a wide array of products to meet your specific requirements, including traditional 30-year fixed mortgages and adjustable rate (ARM) products.
Purchasing a Lot to Build Your Home?
NDBT can provide financing for lot purchases to help acquire your future home site. This product allows you to secure your lot while selecting the right builder and finalizing your construction plans. We offer short- and long-term residential lot financing depending on your timeline.
Ready for Construction to Begin?
NDBT offers traditional interim construction loans along with One Time Close financing. Interim construction is designed to be replaced by a permanent mortgage upon completion. One Time Close loans are a hybrid product that combines construction with a permanent mortgage.
Looking for Affordable Home Solutions?
This loan is a special loan program for low and moderate wage income earners. The NDBT mortgage team can provide loans with a minimum down payment as low as 3% and no PMI, depending on other qualifying criterion.
Need to Bridge the Buying & Selling Gap?
NDBT’s Bridge Loan is a temporary product designed to help purchase your new home prior to selling your current home. This loan will be paid off by the proceeds of the sale of your existing home.
Have Equity You'd Like to Turn into Cash?
Our home equity loans allow you to leverage the cash equity in your existing home to accomplish your goals. We offer 1st and 2nd lien options allowing you to keep your existing mortgage in place.
Interested in a Home Equity Line of Credit?
A revolving line of credit that is secured by your homestead, our HELOC’s feature a 10-year Interest Only draw period. This allows you to advance, pay down, and re-advance funds as needed. Any balance remaining after your 10-year draw period will be amortized over 15 years. This product is available for 1st and 2nd lien options.
