Loans That Actually Work for You

Home Loans & Mortgages

Buying, building, or refinancing—we make it simple to move forward with confidence, clear options, and a team that’s with you every step of the way.

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A Better Mortgage Experience, Start to Finish

Fast & Easy Pre-Approval

Get clarity quickly so you can move forward with confidence.

Local, Personalized Guidance

Work directly with experienced loan officers who know your market.

A Smoother Closing Process

Fewer surprises. Better communication. A timeline you can trust.

Mortgage Options Built Around You

No two borrowers are the same—so we offer flexible loan options designed to fit your goals, timeline, and financial situation.

Fixed-Rate Mortgage

Lock in a consistent rate^B and predictable monthly payment for the life of your loan.

Great for:

Monthly principal and interest payments remain the same over the life of the loan. Taxes, insurance, and escrow amounts may change (if appliable).
Available in 15-, 20-, and 30-year terms^A
Ideal for long-term homeowners who value consistency

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Fixed Rate Mortgage⁽¹⁾

Rates as of April 15, 2026

A great choice when you want a stable monthly mortgage payment.

Loan Type	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.
30 Year	6.500%	0.00%	6.554%
20 Year	6.375%	0.00%	6.446%
15 Year	6.125%	0.00%	6.213%

Term	Rate*	APY**
12 months	%	%
36 months	%	%
60 months	%	%

Discount Points, Jumbo, Second Home, Refinance, and up to 100% financing ⁽⁴⁾ options available. Rates subject to change. Contact us for FHA, VA, USDA

Payment Example ⁽²⁾

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.

20-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.

15-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.

Adjustable-Rate Mortgage (ARM)

Start with a lower initial rate^C and gain flexibility for your future plans.

Great for:

Lower initial interest rates compared to fixed options
Flexible terms (5/1, 7/1, 10/1)^D ^E
Great for short-term ownership or future refinancing plans

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Adjustable-Rate (ARM)⁽¹⁾

Rates as of April 15, 2026

These loans typically begin with a low, fixed interest rate for the initial term and then adjust according to an index.⁽³⁾

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.
5/1 Conforming ARM	Up to 80%	5.750%	0.00%	5.802%
7/1 Conforming ARM	Up to 80%	6.000%	0.00%	6.053%
10/1 Conforming ARM	Up to 80%	6.375%	0.00%	6.429%

Discount Points, Jumbo, Second Home, Refinance and 100% financing⁽⁴⁾ options available. Rates subject to change.

Payment Example ⁽⁵⁾

5/1 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.

7/1 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.

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.

More Ways to Make Your Home Loan Work for You

From second homes to construction loans and refinancing, we have options to support wherever you are in your journey.

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What Our Members Are Saying

Real experiences from people who trusted Tidemark with one of life’s biggest decisions.

“Todd and the rest of the team made the process very easy. I can't thank everyone enough for their help!”

- Tia C.

“Todd was wonderful throughout the entire process. He explained each step to us and was always available to answer questions. I will definitely recommend Todd and Tidemark to my friends and clients.”

- Tidemark Member

"Very smooth experience. Todd was great to work with and Very accommodating."

- Barbara K.

I am extremely pleased with the process and ultimate outcome. Sincere gratitude to the entire Tidemark mortgage team. Thanks.

- Donald W.

"[MLO] is very personable, professional, welcoming, banking product knowledgeable, and is certainly an exceptional asset to Tidemark…"

- Darline B.

"[MLO] was absolutely wonderful every step of the way. She kept us informed and worked with us to make sure we understood the process."

- Trina B.

Let’s Take the Next Step Together

Wherever you are in your home journey, our team is here to help you move forward with clarity, confidence, and the right mortgage solution.

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302-629-0100

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Mortgage FAQs

A fixed-rate mortgage has a principal and interest payment that remains the same over the life of the loan, while an adjustable-rate mortgage (ARM) typically starts with a lower initial interest rate that may change after an initial fixed-rate period. After that period, the interest rate and monthly payment may increase or decrease based on market conditions. Taxes and insurance are not included and may affect the total monthly payment.

Disclosures

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^A Fixed-rate mortgage terms available for qualified borrowers. Loan programs subject to credit approval and underwriting requirements.

^B Rates and terms subject to change without notice and based on credit qualifications and market conditions.

^C Adjustable-rate mortgage interest rates and payments may increase after the initial fixed-rate period ends.

^D Example: A 5/1 ARM has a fixed rate for the first five years and adjusts annually thereafter.

^E After the initial fixed period, the interest rate and monthly payment may change based on market conditions.

Membership required.

Loan Rates 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.

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.

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.

⁴Loan amounts above $600,000 may require PMI.

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.

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 $50,000. Maximum Loan amount $600,000, 80% Loan to Value. All loans subject to credit approval.

⁹A 10/1 Adjustable Rate Mortgage (ARM) $320,000 for 20 years at 6.375% interest and 6.446% APR will have a monthly payment of $2,362.34. 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 unimproved land, 780 FICO, down payment of 20% up to the conforming loan amount limit.

¹⁰ Rates displayed are "as low as" for primary residence only. Rates are subject to change. Rates vary based on creditworthiness, loan-to-value (LTV), and/or other factors. All loans subject to credit approval.

¹¹ Net appraised value is appraised value less 1st lien balance. Limited to Loans in the Delmarva Peninsula. If TFCU is not first lien holder, the loan amount is limited to 80% LTV. Minimum loan amount $25,000. Maximum $400,000. Other terms available if TFCU is first lien holder. Primary residence only. Additional limitations may apply.

¹² Rate changes monthly based on Prime Rate as published in the Wall Street Journal plus a margin. Interest only payments are made during the 10-year draw period then the remaining balance is amortized over 15 years.

¹³

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.

¹⁵ Rates may vary based on term, down payment, credit worthiness and age of unit.

¹⁶ Rates are 3% above share/certificate dividend rate; adjusted with the dividend rate. For share secured loan funds must be held in the Prime Share. Retirement certificates are not eligible to be pledged.

¹⁷ Variable rate adjusted quarterly based on Prime.

¹⁸ Variable rate adjusted monthly based on Prime.

¹⁹ Rates based on the Prime Rate of 10/01/2025 (Visa®)

²⁰ Rates based on the Prime Rate of 10/29/2025 (Line of Credit)

^ANew Vehicles are considered the five most recent model years. Including Auto, Truck & Van. Rates may vary based on term, down payment, and credit worthiness.

^BUsed Vehicles are considered model years between 6 and 11 years. Including Auto, Truck & Van. Rates may vary based on term, down payment, credit worthiness and age of vehicle.

^CRVs and Boats must be within the last 10 model years. Boats require financing of Boat (Hull), Motor(s), and optionally a trailer as part of the package.

^DMotorcycle and Powersport must be within the last 6 model years. Including bikes, trikes, ATV, UTV and Personal Watercraft. Personal watercrafts require a trailer to be financed in package.

^EClassic Auto minimum age requirement of 25 years. Unit must be within the J.D Power definition of a classic automobile. Must remain consistent with the way the car was originally built. Borrowers will be required to submit images of the vehicle to verify It is not currently in the restoration phase.

Rates are subject to change without notice and are accurate as of the date listed above. Additional rates and terms may apply. Members may contact any Credit Union staff member for details on applicable fees and terms. The rates shown apply only to new money and new loans with Tidemark Federal Credit Union. Existing Tidemark loans may not qualify for the advertised rates if refinanced internally. Rate eligibility is determined by multiple factors, including loan type, creditworthiness, and the terms of the current loan agreement.