Construction & Land Loans
From raw land to your finished home, Tidemark offers flexible financing options to help you take the next step with confidence.
Financing for Where You’re Going Next
Whether you’re starting with a piece of land or ready to build your dream home, construction and land loans require a different approach than traditional mortgages.
At Tidemark, we simplify the process with clear guidance, flexible options, and local experts who understand how to bring your vision to life—from the ground up.
Loan Options Built Around Your Project
Construction Loans
Best for: Building a new home from the ground up
- 12-month construction period with interest-only payments
- Designed to support you through the full build process
- Seamless transition from construction to permanent financing (optional depending on your setup)
Construction Program(1)
Rates as of April 15, 2026
| Loan Type | Loan to Value | Interest Rate as low as
i
Rate Interest rate is the amount paid each year in order to borrow money, calculated in percentage. |
Discount Points
i
Points Points are upfront fees you can pay to lower your mortgage interest rate. One point typically costs 1% of your loan amount. Paying points may help reduce your monthly payments over time. |
APR As Low As
i
APR (Annual Percentage Rate) APR is a broader measure of the cost of borrowing. It includes the interest rate plus any upfront fees or costs (like points), giving you a more complete picture of what you’ll actually pay over the life of the loan. |
|---|---|---|---|---|
| 10/1 Conforming ARM (3) | Up to 80% | 6.875% | 0.00% | 6.968% |
| 30 Year Fixed | Up to 80% | 7.000% | 0.00% | 7.094% |
Discount Points, Jumbo, Second Home, Refinance and 100% financing(4) options available. Other term options available 5/1, and 7/1 Adjustable-Rate Mortgage. Other term options available 15 Year and 20 Year Fixed Rate Mortgage. Rates subject to change.
Payment Example (6)
10/1 Conforming ARM Loan assumptions: Advertised rate assumes the purchase of a single-family primary residence, 780 FICO, down payment of 20% up to the conforming loan amount limit.
30-Year Loan assumptions: Advertised rate assumes the purchase of a single-family primary residence, 780 FICO, down payment of 20% up to the conforming loan amount limit.
Land Loans
Best for: Purchasing land now and building later
- Adjustable-Rate Mortgage (10/1 ARM)
- Up to $600,000 at 80% LTV
- 20-year term
- Properties up to 50 acres
Land Loan(7)
Rates as of April 15, 2026
| Loan Type | Term | Interest Rate as low as
i
Rate Interest rate is the amount paid each year in order to borrow money, calculated in percentage. |
APR
i
APR (Annual Percentage Rate) APR is a broader measure of the cost of borrowing. It includes the interest rate plus any upfront fees or costs (like points), giving you a more complete picture of what you’ll actually pay over the life of the loan. |
|---|---|---|---|
| 10/1 ARM (3) | 20 Years | 6.375% | 6.446% |
Rates subject to change.
Payment Example (9)
10/1 ARM Loan assumptions: Advertised rate assumes the purchase of undeveloped land, 780 FICO, down payment of 30% up to the conforming loan amount limit.
How It Works
Why Build with Tidemark?
- Local lending decisions that move faster
- Clear communication from start to finish
- Flexible financing tailored to your project
- Direct access to experienced loan officers
- Support through every phase—from land purchase to final walkthrough
What to Expect with
Construction & Land Loans
You’ll work with our team to coordinate timelines, approvals, and funding throughout the process, so you always know what’s next.
Meet Your Local Mortgage Experts
When it comes to your home, having the right team matters. At Tidemark, you’ll work directly with experienced local loan officers who are here to guide you, answer your questions, and help you choose the right path forward.
Whether you're just exploring or ready to apply, we're here to make the process simple, clear, and personalized.
Construction & Land Loan FAQs
Loan Rates Disclosures
2A fixed-rate loan of $256,000 for 30 years at 6.500% interest and 6.568% APR will have a monthly payment of $1,618.09. Taxes and insurance not included; if applicable, actual payment will be greater. Includes $1,798 loan origination fee and processing fees. Discount points are included. All loans subject to credit approval. Loan assumptions: Advertised rate assumes the purchase of a single-family primary residence, 780 FICO, down payment of 20% up to the conforming loan amount limit.
A fixed-rate loan of $256,000 for 20 years at 6.375% interest and 6.464% APR will have a monthly payment of $1,889.87. Taxes and insurance not included; if applicable, actual payment will be greater. Includes $1,798 loan origination fee and processing fees. Discount points are included. All loans subject to credit approval. Loan assumptions: Advertised rate assumes the purchase of a single-family primary residence, 780 FICO, down payment of 20% up to the conforming loan amount limit.
A fixed-rate loan of $256,000 for 15 years at 6.125% interest and 6.236% APR will have a monthly payment of $2,177.60. Taxes and insurance not included; if applicable, actual payment will be greater. Includes $1,798 loan origination fee and processing fees. Discount points are included. All loans subject to credit approval. Loan assumptions: Advertised rate assumes the purchase of a single-family primary residence, 780 FICO, down payment of 20% up to the conforming loan amount limit.5A 5/1 Adjustable Rate Mortgage (ARM) $320,000 for 30 years at 5.750% interest and 5.802% APR will have a monthly payment of $1,867.43. Taxes and insurance not included; if applicable, actual payment will be greater. Includes $1,798 loan origination fee and processing fees. All loans subject to credit approval. Loan assumptions: Advertised rate assumes the purchase of a single-family primary residence, 780 FICO, down payment of 20% up to the conforming loan amount limit.
A 7/1 Adjustable Rate Mortgage (ARM) $320,000 for 30 years at 6.000% interest and 6.053% APR will have a monthly payment of $1,918.56. Taxes and insurance not included; if applicable, actual payment will be greater. Includes $1,798 loan origination fee and processing fees. All loans subject to credit approval. Loan assumptions: Advertised rate assumes the purchase of a single-family primary residence, 780 FICO, down payment of 20% up to the conforming loan amount limit.
A 10/1 Adjustable Rate Mortgage (ARM) $320,000 for 30 years at 6.375% interest and 6.429% APR will have a monthly payment of $1,996.38. Taxes and insurance not included; if applicable, actual payment will be greater. Includes $1,798 loan origination fee and processing fees. All loans subject to credit approval. Loan assumptions: Advertised rate assumes the purchase of a single-family primary residence, 780 FICO, down payment of 20% up to the conforming loan amount limit.
6A 10/1 Adjustable Rate Mortgage (ARM) $320,000 for 30 years at 6.875% interest and 6.968% APR will have a monthly payment of $2,102.17. Payments are interest only during construction based on amount advanced. Taxes and insurance not included; if applicable, actual payment will be greater. Includes $2,998 loan origination, processing, and construction admin fees. All loans subject to credit approval. Loan assumptions: Advertised rate assumes the purchase of a single-family primary residence, 780 FICO, down payment of 20% up to the conforming loan amount limit.
A fixed-rate loan of $320,000 for 30 years at 7.000% interest and 7.094% APR will have a monthly payment of $2,128.97. Payments are interest only during construction based on amount advanced. Taxes and insurance not included; if applicable, actual payment will be greater. Includes $2,998 loan origination, processing, and construction admin fees. All loans subject to credit approval. Loan assumptions: Advertised rate assumes the purchase of a single-family primary residence, 780 FICO, down payment of 20% up to the conforming loan amount limit.
14 Home Equity Line of Credit (HELOC) with interest only payments at 6.750%, Prime interest and 6.798% APR would require a minimum monthly payment of $5.63 per $1,000.00 borrowed during the draw period. Taxes and insurance not included. Includes a $299 loan processing fee. All loans subject to credit approval. Loan assumptions: Advertised rate assumes cash-out on a single-family primary residence, 780 FICO, minimum 20% equity up to the conforming loan amount limit.
A fixed-rate loan of $100,000 for 20 years at 6.500% interest and 6.538% APR will have a monthly payment of $745.57. Taxes and insurance not included. Includes a $299 loan processing fee. All loans subject to credit approval. Loan assumptions: Advertised rate assumes cash-out on a single-family primary residence, 780 FICO, minimum 20% equity up to the conforming loan amount limit.
