Making Homeownership Possible with Home Loans

We believe homeownership creates stronger communities. That's why when you're ready to find a place to call home or want to refinance your current home, our team is committed to helping you find the best home loan solutions that match your budget and lifestyle. From start to finish, we'll be by your side, providing guidance through every step of the process.

Welcome Home With Tidemark

Whether you're seeking to buy a home or want to refinance your existing home, let us help you navigate the home loan process with confidence while helping you advantage of the lowest rates available.

Construction & Land Loans

Building your vision, one loan at a time! Finance lot and land purchases with flexible borrowing options and build with confidence.

Available for primary or secondary homes.

Get financing up to 9 months and up to 100% of your property's value at a fixed rate with interest-only payments.

Can convert to an ARMs once your home is completed.

Learn More

Mortgages

From dreaming to closing, our mortgages make it possible with flexible options that help bring you one step closer to saying, "welcome home" to your new house.

Adjustable Rates Mortgages (ARMs) and Fixed-Rate Mortgages options.

Refinance your mortgage to help lower your monthly payment or pay off your mortgage sooner.

Learn More

Home Equity Loans

Unlock the equity in your home for important expenses like home improvements or debt consolidation at a better rate in one convenient place.

Home Equity Loans with terms up to 20 years.

Home Equity Line of Credit that allows you to access up to 100% of your home's net appraised value and quarterly variable rates adjustments.

Home Improvement Loans options that fit your unique needs.

Learn More

First Time Homeowners

A mortgage option exclusively designed for first-time homebuyers to help you make your dream of homeownership a reality.

100% financing up to $250,000; 90% financing up to $766,550 for up to 30 years.

No Private Mortgage Insurance (PMI), saving you thousands of dollars.

Low origination costs.

Learn More

Homes for Sale

In the market for a new home? View our available listings.

Learn More

Meet Our Mortgage Team
& Testimonials

Learn More

Savings Goals Within Reach:
Discover Our Best Local Rates

View Rates

High Tide Checking

Looking for a checking account with a Tidal Wave of Rewards? Earn up to a $100 a month in rewards.

Standard Checking

Not into electronic services? This go-to account is for you.

Encore Checking

Need a fresh start? We have an account you.

Visa Debit Card

Make in-store purchases, access money anytime through ATMs and track all activity online while getting rid of paper checks.

Reorder Checks

When you open your checking account, a set of temporary checks and your first full check order is on us. Reordering is just a click away. If you run out before your next order, we can supply emergency checks at any branch to tide you over.

Special Pricing and Ease Of Ordering

Reorder checks 24/7 by clicking here; or, if you prefer, you can order while in your account in Online Banking or by calling our Member Service Center at (302)-629-0100 during regular business hours. Group discounts apply to all check orders.

Home Loans

Frequently Asked Questions

At Tidemark Federal Credit Union, we guide you through the home loan process from pre-approval to closing. Here's what you can expect:

• Preapproval: Before starting your home search, obtain a preapproval letter from us to know how much money you're initially approved to borrow for your home purchase.

• Home Search: Once you have your preapproval letter, work with your real estate agent to find your dream home based on your unique needs.

• Processing: Our processor will then prepare and submit your mortgage application for final review and approval. You may be asked to provide additional supporting information during this time, and an appraisal will be ordered for the home you plan to buy.

• Closing: The last step is closing, where you assume ownership, your loan is funded, and you receive the keys to your new home. Let Tidemark Federal Credit Union help you make your homeownership dream come true.

Plus, You Get Access to Our Member Premium Benefits

You Become a Member-Owner

We don't exist to enhance the wealth of our shareholders, we are member-owned. As a not-for-profit organization, we use our profits to increase Member benefits and support community causes.

Your Money is Insured & Protected

Instead of being covered under FDIC, your deposits are covered under the National Credit Union Administration (NCUA), which insures deposits up to $250,000, the same amount as the FDIC. It’s a different name but the same function.

Your Funds Are Easy to Access

With online and mobile banking, you have access to your account anytime and anywhere from your computer, smartphone, or tablet. Check your account balance, transfer funds, pay bills, and manage your finances easily without going to the bank.

Making Homeownership Possible with Home Loans

Welcome Home With Tidemark

Whether you're seeking to buy a home or want to refinance your existing home, let us help you navigate the home loan process with confidence while helping you advantage of the lowest rates available.

Construction & Land Loans

Building your vision, one loan at a time! Finance lot and land purchases with flexible borrowing options and build with confidence.

Available for primary or secondary homes.

Get financing up to 9 months and up to 100% of your property's value at a fixed rate with interest-only payments.

Can convert to an ARMs once your home is completed.

Mortgages

From dreaming to closing, our mortgages make it possible with flexible options that help bring you one step closer to saying, "welcome home" to your new house.

Adjustable Rates Mortgages (ARMs) and Fixed-Rate Mortgages options.

Refinance your mortgage to help lower your monthly payment or pay off your mortgage sooner.

Home Equity Loans

Unlock the equity in your home for important expenses like home improvements or debt consolidation at a better rate in one convenient place.

Home Equity Loans with terms up to 20 years.

Home Equity Line of Credit that allows you to access up to 100% of your home's net appraised value and quarterly variable rates adjustments.

Home Improvement Loans options that fit your unique needs.

First Time Homeowners

A mortgage option exclusively designed for first-time homebuyers to help you make your dream of homeownership a reality.

100% financing up to $250,000; 90% financing up to $766,550 for up to 30 years.

No Private Mortgage Insurance (PMI), saving you thousands of dollars.

Low origination costs.

Homes for Sale

In the market for a new home? View our available listings.

Meet Our Mortgage Team& Testimonials

Savings Goals Within Reach:Discover Our Best Local Rates

High Tide Checking

Standard Checking

Encore Checking

Visa Debit Card

Reorder Checks

Special Pricing and Ease Of Ordering

Home Loans

Frequently Asked Questions

Plus, You Get Access to Our Member Premium Benefits

You Become a Member-Owner

Your Money is Insured & Protected

Instead of being covered under FDIC, your deposits are covered under the National Credit Union Administration (NCUA), which insures deposits up to $250,000, the same amount as the FDIC. It’s a different name but the same function.

Your Funds Are Easy to Access

With online and mobile banking, you have access to your account anytime and anywhere from your computer, smartphone, or tablet. Check your account balance, transfer funds, pay bills, and manage your finances easily without going to the bank.

Meet Our Mortgage Team
& Testimonials

Savings Goals Within Reach:
Discover Our Best Local Rates