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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 process loans locally, so you won't have to wait weeks for a decision from "headquarters." While the home buying process can be complicated, you can be sure our TBOT loan officers will walk you through every step of the process!

  • Build equity in your own home
  • Competitive rates
  • Different plans available for different needs
  • Free pre-qualifications
  • Low closing costs
  • Local processing and decision-making
  • Experienced lenders you can trust
  • Friendly, attentive service, from start to closing

Debating if renting or buying is more beneficial to your bottom line? Click here to use an online calculator to help make your decision.

Download the PDF Application

Please mail or drop off your completed application at any of The Bank of Tioga locations. Email is not considered a secure transmission of personal data, please do not share personal, financial or proprietary information via email.