Tioga Franklin Savings Bank
 

 
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Products
Tioga Franklin Savings Bank offers a variety of loan programs to meet your needs. We work with the leading lenders in the industry to provide:
 
Equity Builder
Equity Bldr-ARM
Purchase Primary Home

Equity Builder
This fixed rate first mortgage product can range in terms over 120 months or less, rates determined according to term. Equity Builder is a streamlined process that is perfect for those who want to be debt free in the shortest amount of time.

Term: 10 years   Maximum Amount: $240,000
 
Borrower must meet standard underwriting requirements including verification of income, credit history, appraisal and debt to income.

Equity Bldr-ARM
Designed for home owners that want to payoff their mortgage in a shorter time frame. This program offers an adjustable rate feature that starts at a low competitive rate with annual and life caps that keep the loan affordable.

Term: 10 years   Maximum Amount: $240,000
 
Applications are subject to verification of income, credit history and property value.

Purchase Primary Home
Tioga Franklin offers competitive rates and low costs that will help you afford the home of your dreams. This Fixed Rate Loan offers up to 80% financing for terms of 15-30 years.

Term: 30 years   Maximum Amount: $500,000
 
Loan applications subject to income verification, review of credit history and home appraisal.



Unless otherwise indicated, these APR calculations are based on the following: Conforming loans (whose maximum loan amount is below $424,100 for the contiguous states, District of Columbia, and Puerto Rico or below $636,150 for Alaska, Guam, Hawaii and the Virgin Islands) are calculated based on a loan amount of $417,000 with closing costs of $8,340. Jumbo Loans (whose maximum loan amount exceed $424,100 for the contiguous states, District of Columbia, and Puerto Rico or exceed $636,150 for Alaska, Guam, Hawaii and the Virgin Islands) are calculated based on a loan amount of $1,000,000 with closing costs of $20,000. Your actual APR may be different depending upon these factors.