Home Equity Options

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Speak with a Home Equity Specialist
We can help make your dreams a reality!

Home Equity Loans or Lines of Credit are economical ways to borrow for home improvements, to purchase a recreational vehicle, to pay for your vacation, education, or for any other personal use.

We offer multiple Home Equity Options:
 
Home Equity Fixed Interest Loan*

If you need money for a specific purpose and would like a fixed money payment

  • No Closing Costs
  • No Points
  • Low Interest Rates
Home Equity Line of Credit**

If you want the flexibility of an open line of credit with affordable monthly payments

  • Tax Savings Benefits, Consult your Tax Advisor
  • Revolving Credit
  • Low Interest Rates

 

Learn more about our Home Equity Options.

 

There’s no better place than your neighborhood Tioga State Bank for help financing your next home improvement project or the fulfillment of your life’s goals and dreams!  

 

For more information

Contact your local TSB Office

or call us at 888-303-4872 and ask to speak with a Home Equity Specialist.

 


*Annual Percentage Rate (APR) is subject to change without notice.  Additional terms and conditions may apply depending on customer credit score and other loan terms offered or chosen. Third party fees to be paid by TSB range from $959.00 to $4,305.00, depending on the amount borrowed.   Third party fees may include: flood determination fee, credit report fee, appraisal fee, mortgage recording fee, tax and title search fee, lender title insurance fee if the loan amount is greater than $75,000, and mortgage tax.  If a borrower elects to obtain Owner Title Insurance, the borrower is responsible for the Owner Title Insurance premium.  If a borrower selects an attorney to represent him/her, borrower is responsible for attorney fees.  Should the Loan be closed or discharged within the first three years, the Bank may collect the fees paid to third parties from the borrower which were waived when the loan was opened.  Other fees/charges, if applicable are the responsibility of the borrower.  Property insurance is required and flood insurance when necessary.  Please consult a tax advisor concerning the deductibility of interest.  Example: The payment on a $20,000 loan with a 120-month term at an APR of 4.25% would be $204.87. Offer subject to credit and collateral approval.

**Annual Percentage Rate subject to change without notice. Minimum line of credit is $2,500. The maximum home equity line of credit amount is $417,000. The combined loan to value (CLVT) cannot be greater than 90%. The lowest APR available on home equity lines of credit with a CLVT is 80% or less and customer credit score of 740 or greater. Additional terms and conditions may apply depending on customer credit score and other loan terms offered or chosen. Third party fees to be paid by TSB range from $591.52 and $5,9187.14 based on the amount borrowed. If you cancel the home equity line of credit within 36 months, you must reimburse us the third party fees paid in connection with opening the line. Property insurance is required and flood insurance when necessary. Please consult a tax advisor concerning the deductibility of interest. Offer subject to credit and collateral approval.