Get Started on Your Mortgage

Not sure where to start?

Talk to one of our local mortgage specialists. We'll answer your questions, walk you through your options, and help you figure out the right next step. No commitment required.

Talk to Our Mortgage Team

Ready to dive in?

Start your full mortgage application online. Create an account and complete it at your own pace.

Start Your Application

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.

Todd Smith

NMLS# 637680

Director of Mortgage Originations

Connect with Todd

Nick Rash

NMLS# 1766391

Mortgage Loan Originator

Connect with Nick

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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.