• The PERFECT HOME is waiting for you.

    The PERFECT HOME is waiting for you.

  • We're with you every step of the way.

    We're with you every step of the way.

  • Purchase or Refinancing is easy with our help.

    Purchase or Refinancing is easy with our help.

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Our Secure Application takes about 12 minutes to complete, and is required for a "Pre-Approval." You will be contacted once your application is submitted.
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Purchase a Home

Whether you're buying your first home or your dream home, we have a mortgage solution for you. Get your custom rate quote today.
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Refinance your Home

We're committed to helping you refinance with the lowest rates and fees in the industry today. Check out our Low Rates, Calculate your Payment, or Start the Process Today!
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Bank Loans for Home Mortgages & Refinancing

FHA, Conventional, VA Mortgage in Philadelphia, PA

Welcome to the official site of Tioga-Franklin Savings Bank. We are a full-service mortgage company based in Philadelphia, PA. We specialize in FHA, Conventional, VA Mortgage in Philadelphia. We also serve the surrounding cities in Philadelphia County. Whether you are buying a home or refinancing in zip code 19125, we can help you realize your dream of home ownership or save you money when getting your new lower monthly payment.

In terms of Purchase Loan programs, we offer the following:

FHA | VA | USDA | HomePath | Jumbo | Commercial

Need a Bank Loan to Refinance? We can help you with that, too!

We offer a wide range of refinancing options to people with a mortgage in Philadelphia, designed to best meet the needs of local borrowers. We really care about the borrowers that we work with and explain the process to help them understand their options. Whether you're looking for cash out, or to just get a better rate and term, we can assist you. We offer the following Refinancing Programs:

FHA Streamline | FHA Cash Out | FHA 203k | VA Streamline | VA Cash Out | USDA Streamline | Conventional | Commercial | Jumbo

What makes Tioga-Franklin Savings Bank unique is that we offer the following niche programs as well: Bank Statement program, Fix and Flip Program.

Contact Tioga-Franklin Savings Bank today to discuss your mortgage loan options and find out which loan program will best suit your needs.

Why choose us for Your Home Mortgage Needs?


Tioga-Franklin Savings Bank stands out among other banks in Philadelphia. What makes us unique is that we offer some beneficial niche programs: Bank Statement program, Fix and Flip Program.


Contact Tioga-Franklin Savings Bank today to learn more about these unique programs or to discuss your mortgage loan options and find out which loan program will best suit your needs. If you need a mortgage in Philadelphia or need to refinance the one you already have, then choose the bank that has always had the backs of local borrowers.

Click here to fill out our contact form with your questions or inquiries. Do you need a quicker response? No problem! Feel free to call us at (215) 606-0597 and one of our helpful representatives will take your call and answer your questions.

Frequently Asked Questions

When should I refinance?

It's generally a good time to refinance when mortgage rates are 2% lower than the current rate on your loan. It may be a viable option even if the interest rate difference is only 1% or less. Any reduction can trim your monthly mortgage payments. Example: Your payment, excluding taxes and insurance, would be about $770 on a $100,000 loan at 8.5%; if the rate were lowered to 7.5%, your payment would then be $700, now you're saving $70 per month. Your savings depends on your income, budget, loan amount, and interest rate changes. Your trusted lender can help you calculate your options.

Click here to see our full FAQ page and get quick answers to frequently asked questions.

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