Home Equity Loan Special

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Take Advantage of Special Rates from Now Until April 30,2018

You’re always working on your home. Not let your home for you! A Home Equity Loans is an economical way to borrow for home improvements, to purchase a recreational vehicle, to pay for your vacation, education, or for any other personal use.

Right now, qualifying Home Equity Loan applicants may be eligible for a special rate. Act fast! This offer ends April 30, 2018.



For 120 months


For 180 months


No matter where you are on life’s journey, you’ll need money and a helping hand. At Tioga State Bank, you’ll find a community-minded bank with the latest mortgage and home equity products, and good people you can talk to. There’s no better place than your neighborhood TSB for help financing your next home improvement project or the fulfillment of your life’s goals and dreams!

Get Started

If you would like to apply, have any questions, or want to learn more, we’re here to help you.

Call 888-303-4TSB

Visit any TSB Office Location

Contact Us Below

Have a Home Equity Specialist Contact You

*Annual Percentage Rate (APR) effective as of 3/1/18 and is subject to change without notice. The APR applies to new loans of $25,000 or more, with automatic payment from a TSB checking account. Refinance of existing TSB home equity debt permitted with an advance of $25,000.00 new money. Minimum loan amount of $25,000. Maximum Loan to Value of 90% of appraised value for second mortgage. Requires 20% equity or down payment of first mortgage. 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 $744.00 to $4,744.50, 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, tax service fee, settlement fee, 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 $25,000.00 loan with a 120-month term at an APR of 4.99% would be $265.04. The payment on a $25,000 loan for 15 years at 5.49% is $204.14. Offer subject to credit and collateral approval.