Pathway Mortgage

We designed the Pathway Mortgage especially for first-time homebuyers. Along with the stability of a fixed rate, Pathway Mortgage applicants can also receive $1,000 toward closing costs1 upon completing a homebuyer education course.

There are also a number of local and federal programs that can make your purchase more affordable. Learn about them on our Mortgage Types page. Our Mortgage Banking Officers know the market, respect your time, and make the home-buying process easy and efficient. Let us help you explore your options.

Get Started »

10 Steps to your new home

  • Talk it over
  • Educate Yourself
  • Get Pre-Approved
  • Partner with a realtor
  • Go Home Shopping
  • Make the Offer
  • Complete the Approval Process
  • Close the deal

The papers are signed and everything is in order—now it’s time to celebrate. Welcome to your new home!

Get Started

The first step to your new home is connecting with a mortgage banking officer who can answer questions and explore your options. Use this form or call (800) NSB-CASH (800-672-2274) to set up an informal conversation. We typically get back to you in one business day.

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As an independent Vermont-based bank, Northfield Savings Bank is owned by our depositors, not shareholders. So our mindset and operations are wholly local, and lending decisions are made by experienced bankers who live and work in the communities they serve. 

As a mutual bank, Northfield Savings Bank does not pay a dividend to shareholders. Instead, we elect to pay a "community dividend" through our commitment to donate to local non-profit organizations. When you bank with us, you become part of a team helping make Vermont a better place to live and work.

Learn about our community giving »


1 Approval subject to NSB underwriting and credit eligibility requirements.
2 Subject to credit approval