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Residential Real Estate

Your journey to homeownership starts here!

One of the biggest and most stressful purchases many people make is buying a home.  Whether you're a first time homebuyer or looking to upgrade or refinance,  the process can seem overwhelming and confusing. Our knowledgeable and experienced Loan Officers will help you find the right product for you, your family, and your goals.

At Tompkins State Bank we have a variety of loan types to meet your needs:
 
  • Conventional Loans: Secure stable and predictable financing with our conventional loan options, featuring competitive rates and flexible terms tailored to your unique financial situation.

  • Adjustable Rate Loans: Explore initial lower rates and flexible terms with our adjustable-rate loan options, perfect for buyers anticipating future changes in their financial circumstances.

  • Rural Development Loans: Unlock homeownership opportunities in rural areas with our rural development loan programs, backed by government support and designed to provide affordable financing options to eligible borrowers.

  • Home Equity Loans and Lines of Credit: Access the equity in your home to finance major expenses or consolidate debt with our home equity loan and line of credit options, offering competitive rates and convenient access to funds.

  • VA Loans: Honor your service with our VA loan programs, designed exclusively for veterans, active-duty service members, and eligible spouses. Benefit from favorable terms, low or no down payment options, and expert guidance throughout the process.

  • Residential Refinance: Optimize your mortgage and achieve your financial goals with our residential refinance options, whether you're looking to lower your monthly payments, shorten your loan term, or tap into your home's equity.

Interested in a Mortgage loan? Contact us today