Mortgage Services

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

happy couple

Select a Mortgage Loan that’s right for you.

Learn More

Mortgage Lending Team

TSB Mortgage Lenders

Find a Mortgage Lender.

Learn More


Is Refinancing Right For You?

Generally, it’s a good idea for you to consider refinancing whenever the interest rate for mortgages is more than two percentage points below your present mortgage. Whether you apply with us for a new mortgage to buy the home you want, or to refinance your present mortgage, speak to one of our mortgage loan experts.