Tioga State Bank is very unique in the construction market. We have one closing for our construction mortgages which will save you closing costs. In some instances, we will allow you to be your own general contractor. And rest assured, we can help you through the whole process from beginning to end, be it from the ground up or the completion of an in process construction project.  Construction mortgages are available for stick-built, modular, pre-fabricated homes, log homes and manufactured homes with fixed rates.