Your Partner in Building Dreams

Your Blueprint for Simpler Construction Financing

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Why Builders Partner with Tidemark

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One-Time Close Convenience

Combine construction and permanent financing into a single loan, one closing, and fewer headaches.

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Transparent Communication

Track progress, submit draws, and communicate through the Built platform.

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Local lending Advantage

Decisions made right here — not by an out-of-state
bank.

Did You Know? Tidemark offers up to 100% financing with no PMI on construction loans up to $600,000.

Construction-to-Permanent (Variable / ARM)

Flexible Financing That Grows with Your Build

Our Construction-to-Permanent ARM options...

Features
One-time settlement keeps closing costs low
Up to 100% financing on loan amounts ≤ $600,000 (no PMI)
12-month construction period with interest only payments

Construction-to-Permanent (Fixed-Rate)

Now Available:
Fixed-Rate Construction-to-Permanent Loans

Prefer predictability? Lock in your rate before you build — and stay protected from future market changes. Our Fixed-Rate Construction-to-Permanent loan offers stability and simplicity from start to finish.

Features
One-time settlement keeps closing costs low
Up to 100% financing on loan amounts ≤ $600,000 (no PMI)
12-month construction period with interest only payments
Peace of mind knowing your rate won’t change mid-build

Land Loans

Not Ready to Build Yet? Secure Your Land Now — and Plan Your Dream Later.

Buying your homesite is the first step toward your future build. Tidemark’s Land Loan options help you act fast in a competitive market.

Key Terms

Up to 80% financing on loan amounts ≤ $600,000
Competitive local rates and quick approvals
20-year Repayment Term

Built Platform Integration

Track Draws. See Progress. Stay Connected.

Tidemark partners with Built, a leading construction management platform, to simplify project oversight for builders and borrowers.

Easily submit draw requests, upload inspections, monitor project milestones.
FOR BUILDERS: GAIN INSTANT VISIBILITY INTO YOUR PROJECTS.

FOR BORROWERS: SEE WHERE YOUR MONEY'S GOING EVERY STEP OF THE WAY.

Borrower & Builder Platform Navigation (CLA) Published on Nov 14, 2025
Borrower & Builder Loan Navigation Published on Nov 14, 2025
Borrower & Builder Draw Requests and Approvals Published on Nov 14, 2025

Disclosures

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1Rates displayed are "as low as" for Primary residence purchase loans. Displayed rates include discount points. Rates are subject to change. Rates vary based on creditworthiness, loan-to-value (LTV), occupancy, property type and loan purpose, and/or other factors. Down payment and loan-to-value (LTV) requirements may vary depending on the occupancy, property type, loan purpose, your creditworthiness, and/or other factors. All loans subject to credit approval.
3Adjustable Rate Mortgages (ARM) are variable, and your Annual Percentage Rate (APR) may increase after the original fixed-rate period. The First Adjustment is based on the one-year Constant Maturity Treasury (CMT) index, plus a margin, rounded to the nearest 1/8 percent. The annual rate cap is 2%; lifetime cap 6%. Properties limited to the Delmarva Peninsula. All loans subject to credit approval.
4Other terms available for loan amounts above $600,000 and require PMI.

6A 5/1 Adjustable Rate Mortgage (ARM) $320,000 for 30 years at 5.675% interest and 5.731% APR will have a monthly payment of $1,852.21. Payments are interest only during construction based on amount advanced. Taxes and insurance not included; if applicable, actual payment will be greater. Includes 1% loan origination fee and $349 processing fee. Discount Points are included. All loans subject to credit approval. Loan assumptions: Advertised rate assumes the purchase of a single-family primary residence, 750 FICO, down payment of 20% up to the conforming loan amount limit.

A 5/1 Adjustable Rate Mortgage (ARM) $320,000 for 30 years at 5.800% interest and 5.903% APR will have a monthly payment of $1,877.61. Payments are interest only during construction based on amount advanced. Taxes and insurance not included; if applicable, actual payment will be greater. Includes 1% loan origination fee and $349 processing fee. Discount Points are included. All loans subject to credit approval. Loan assumptions: Advertised rate assumes the purchase of a single-family primary residence, 750 FICO, down payment of 20% up to the conforming loan amount limit.

A 5/1 Adjustable Rate Mortgage (ARM) $320,000 for 30 years at 6.425% interest and 6.484% APR will have a monthly payment of $2,006.86. Payments are interest only during construction based on amount advanced. Taxes and insurance not included; if applicable, actual payment will be greater. Includes 1% loan origination fee and $349 processing fee. Discount Points are included. All loans subject to credit approval. Loan assumptions: Advertised rate assumes the purchase of a single-family primary residence, 750 FICO, no down payment up to $600,000. Other terms available above $600,000 and require PMI.

7Rates displayed are "as low as" for purchase loans. Rates are subject to change. Rates vary based on creditworthiness, loan-to-value (LTV), and/or other factors. Contact us for terms for refinances. All loans subject to credit approval.
8Adjustable Rate Mortgages are variable, and your Annual Percentage Rate (APR) may increase after the original fixed-rate period. The First Adjustment is based on the one-year Constant Maturity Treasury (CMT) index, plus a margin, rounded to the nearest 1/8 percent. The annual rate cap is 2%; lifetime cap 6%. Minimum loan amount $75,000. Maximum Loan amount $600,000, 80% Loan to Value. All loans subject to credit approval.
9A 5/1 Adjustable Rate Mortgage (ARM) $320,000 for 15 years at 6.050% interest and 6.133% APR will have a monthly payment of $2,708.99. Taxes and insurance not included; if applicable, actual payment will be greater. Includes $1,700 loan origination fee and processing fees. All loans subject to credit approval. Loan assumptions: Advertised rate assumes the purchase of unimproved land, 750 FICO, down payment of 30% up to the conforming loan amount limit.