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Mortgage Loans

Home sweet home loan? That's what you'll be saying when you see how low rates are. You may even pay less on your mortgage than you do in rent! We offer a variety of financing options and we can help find the best fit for you.

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Why choose The Bank of Tioga? 

Buying a home is one of the most important financial decisions you'll ever make. While the home buying process can be complicated, you can be sure our lenders will walk you through every step of the process! We process most loans locally, so you won't have to wait weeks for a decision.

  • Various financing options available
  • Free pre-qualifications
  • Competitive low rates
  • Low closing costs
  • Customized payment options
  • Local processing and decision-making
  • Experienced lenders you can trust
  • Friendly, attentive service

Curious what you might qualify for? Click here to use an online calculator to determine what may fit within your budget.

What types of home loans are available? 

There are a wide variety of home loan options available including conventional, VA, FHA, first-time home buyer, construction, home equity, vacation home, investment property, USDA rural development loans and Manufactured Home loans. We offer both in-house (local) and secondary market financing, which includes long-term fixed rates. 

Can I refinance an existing loan with The Bank of Tioga that's currently at another institution?

Absolutely. It's always a good idea to check current rates and it never hurts to ask. Contact one of our helpful bankers to get the refinancing process started today. 


What might I need to get a mortgage loan?

Your banker will ask you to fill out a PDF application that you can request below. Additionally, you may be asked to provide a copy of any or all of the following items.

What we need from you:

  • Completed application
  • Pay stubs for the prior 30 days
  • Tax returns and W-2's for past two years
  • Most current bank statements for all deposit accounts

First-time home buyer:

  • Tax returns and W-2's for the past three years


  • Tax returns including personal, partnership and corporate, if applicable, and all schedules
  • Current profit and loss statement
  • Current balance sheet

Construction loans:

  • Documented costs
  • Building permit certificates
  • Blueprints

Veteran's administration applicants:

  • Military discharge papers (Form DD214)
  • Certificate of eligibility

If applicable:

  • Purchase agreement
  • Child support/alimony court printout for the past 12 months
  • Divorce decree
  • Social security, pension or retirement benefit award letter
  • 1099 for disability income

How do I apply for a mortgage loan? 

If you're interested in applying for a mortgage loan at The Bank of Tioga, you can apply online today at the button below! If you would prefer to speak to a lender, please call us at 701.664.3388.

Apply online now

Our lenders are available to guide you through this process. Feel free to give us a call, send us an email or stop by one of our locations to get the process started.

Wendy Lenzen, VP of Business and Consumer Banking

"I love working with my clients to achieve their goals, whether that is starting a small business, buying their first home or purchasing their first vehicle. I am committed to ensuring my clients are provided with high level customer service along with local financing and decision making to create an efficient and convenient experience and most importantly, a long lasting relationship."

Contact Wendy, NMLS #849977: 701.664.3388

Krista Verlinde, Branch Manager

“Buying a home can be stressful – but knowing that you will receive personal & attentive service, paired with local decision making, will make your decision simple to lend with The Bank of Tioga!”

Contact Krista, NMLS #1985527: 701.965.6333


DO MORE with your money at The Bank of Tioga

At The Bank of Tioga, we IGNITE PROSPERITY® by helping our clients do more with their money. Whether it’s saving a little extra cash each month or accomplishing a long-term strategy, our goal is to help you transform your financial life. Call and schedule an appointment today, one of our team members would love to help you do more with your money at The Bank of Tioga. The Bank of Tioga has two locations in North Dakota. For more information visit thebankoftioga.com, call 701.664.3388 in Tioga or 701.965.6333 in Crosby. #igniteprosperity

All loans are subject to credit approval.