First Time Homebuyer Mortgage

First Time Homer Buyers Program

From choosing a mortgage to closing, Tioga State Bank will help you from start to finish in purchasing your first home.

Qualifications of a First Time Home Buyer*

  • A person who has never owned a home before.
  • A person who has not owned a home within the past three years.
  • Displaced spouse.

*Must be purchasing 1 to 4 family owner occupied real estate.

Multiple Options Available

If classified as a first time home buyer, Tioga State Bank has multiple options available for you.

  • No application fee or lock fee.
  • Grants available to help with down payment or closing costs.
  • Fixed Rate Mortgages.
  • Adjustable Rate Mortgages.
  • Construction Mortgages.

Each situation is unique. To explore the best opportunities for you, speak with a Mortgage Lender.



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