Mortgage Center
Mortgages Made Easy
Buying or building a home is one of the most important decisions you will ever make. Tioga State Bank is here to help you every step of the way. We make decisions locally so you have answers quickly.
Whether you are a first time home buyer, upgrading, downsizing, or building a new home, Tioga State Bank is ready to help you with a fixed rate or adjustable rate mortgage, a first time home buyer mortgage, construction mortgage, or mortgage for a manufactured home or investment property.
Mortgage Loans
Select a Mortgage Loan that’s right for you.
Mortgage Lending Team
Find a Mortgage Lender.
Our Mortgage Customers Say It Best
“Tioga State Bank helped to provide me with a smooth and easy home buying experience. They answered all my questions with patience and expertise, had great communication, and eased my concerns about owning a home.”
– Michaela Clark
“Cannot recommend Tioga State Bank enough. Lisa was always willing to answer any questions we had and explain things in a way we can understand. She made everything super easy and took what I would consider extra time to make sure things were going smoothly. The constant contact and updates were amazing and helped keep the process stress free.”
– Adrienne Bouley
– Alyssa Heller
Click here for a list of TSB’s Mortgage Fees.
To request information or report an error relating to the servicing of your mortgage loan please send a written request to Tioga State Bank, Attn: Mortgage Department, 1 Main Street, PO Box 386, Spencer NY 14883 and include your name, loan number, property address and a statement of either the information you are requesting or the error you believe has occurred. You may also call our Customer Service Center at 1-888-303-4872.
Complaints and requests for further information about Tioga State Bank may be submitted to the New York State Department of Financial Services Consumer Assistance Unit at 1-800-342-3736 or by visiting the department’s website at www.dfs.ny.gov.
Better Mortgages Start Here
From questions to closing, our mortgage originators will work with your individual needs and personally handle the entire mortgage loan process from start to finish. For personalized advice unique to your situation, information and answers to all your mortgage questions, or to schedule an appoint with a mortgage lender, don’t hesitate to contact us.