Competitive Mortgage Rates
and Refinancing Options
Whether you're a first-time homebuyer or looking to refinance, Tidemark provides mortgage rates and refinancing options designed to fit your unique needs.
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Rates are subject to change without notice; call the Member Service Center or the Mortgage Department for current rates. 302-629-0100
Adjustable Rate Mortgages
Rates for: 01/06/2025
Primary Residence Purchase & No Cash Out Refinance~
| Loan to value | Loan Amount | Max Term | RATE* 5/1 ARM |
| Up to 80% | $726,200.00 | 30 years | 6.700% |
| Up to 90% | $726,200.00 | 30 years | 6.950% |
| Up to 80% | $1,250,000 | 30 years | 6.950% |
| Up to 100% | $25,000-$250,000 |
30 years |
7.200% |
| Up to 100% | $250,001-$350,000 | 30 years | 7.450% |
| Up to 100% | $350,001- $726,200.00 | 30 years | 6.950% |
Other Options Include:
Tidemark Portfolio 5/1 ARM Program (Delmarva Peninsula Only)
Primary Residence Purchase, Construction-to-Permanent, or No Cash Out Refinances:
- 100% financing to $726,200.00*
- 97% financing to $1,000,000*
- 95% financing to $1,250,000*
- No Private Mortgage Insurance (PMI) up to 100% LTV up to $350,000
- No Private Mortgage Insurance (PMI) up to 90% LTV up to $726,200.00
- Other options are available; please call us at 302-629-0100
Second/Vacation Home Purchase & No Cash Out Refinance ***~
| Loan To Value | Loan Amount | Max Term | RATE* 5/1 ARM |
| Up to 80% | $726,200.00 | 30 years | 6.950% |
| Up to 90% | $726,200.00 | 30 years | 7.450% |
| Up to 80% | $1,000,000** |
30 years |
7.200% |
Primary Residence Cash Out Refinance ~
| Loan To Value | Loan Amount | Max Term | RATE* 5/1 ARM |
| Up to 80% | $726,200.00 | 30 years | 7.700% |
| Up to 70% | $100,000 | 30 years | 7.950% |
Land Loans
| Loan To Value | Loan Amount | Max Term | RATE* 5/1 ARM |
| Up to 70% | $400,000 | 15 years | 6.700% |
Rates displayed are the lowest rates available for qualified borrowers. Actual rate and maximum financing options may differ based on creditworthiness.
ARM rates are based on an index and a margin; the index is the one-year constant maturity treasury rate; the margin varies by the amount borrowed, Loan to Value, and creditworthiness.
Annual rate cap of 2%; lifetime cap of 6%.
***Second home cash out limited to 70% LTV.
~No private mortgage insurance up to 90% LTV up to $766,550
Company NMLS #469595
Conventional Fixed Rate Mortgages - Affordable Housing Programs*
Rates for: 10/08/2024
| Loan To Value | Loan Amount | Max Term | Fixed Rate | ||
| Residential Purchase or No Cash Out Refinance; Primary Residence | 1.00% Point | 0.50% Point | No Points | ||
| Up to 97% with credit score ≥ 620 | $766,550 | 30 years | 6.750% | 6.875% | 7.000% |
Program Highlights:
- Income Limit based on borrower(s) income, not the entire household income
- Qualifying income up to 100% of Area Median Income for Manufactured Class C Homes or First Time Home Buyers buying any qualifying property, or qualifying income up to 80% of Area Median Income for low-to-moderate income borrowers
- Attached, Detached, Warrantable Condos, or PUDs up to 97% Financing
- Manufactured Class C Single-Wide or Multi-Wide up to 95% Financing
- Other options are available; please call us at 302-629-0100
*Quotes based on 97% LTV with FICO score of 620 or greater for owner-occupied purchases and rate and term refinancing of Single Family Attached, Detached, Warrantable Condominium, or PUD. Manufactured Class C Homes limited to maximum 95% Financing. Income restrictions apply. Rate displayed are the lowest rate available for well qualified borrowers. Actual rate and maximum financing options may differ based on creditworthiness. Rates are subject to change without notice due to market fluctuations. Contact us at 302-629-0100 for current rates specific to your scenario.
Company NMLS #469595
Conventional Fixed Rate Mortgages - Standard Programs
Rates for: 10/08/2024
| Loan To Value | Loan Amount | Max Term | Fixed Rate* | ||
| Residential Purchase or No Cash Out Refinance; Primary Residence | 1.00% Point | 0.50% Point | No Points | ||
| Up to 80% | $766,550 | 30 years | 7.000% | 7.375% | 7.490% |
| 20 years | 6.875% | 6.990% | 7.125% | ||
| 15 years | 6.750% | 6.8875% | 7.000% | ||
| 10 years | 6.750% | 6.875% | 7.250% | ||
| Jumbo Loans up to 80% | $1,000,000 | 30 years | Call for Rates | Call for Rates | Call for Rates |
| $2,000,000 | 30 years | Call for Rates | Call for Rates | Call for Rates | |
| Second Home Jumbo Loans up to 80% | $1,000,000 | 30 years | Call for Rates | Call for Rates | Call for Rates |
Other Options Include:
- Up to 97% financing on purchase for First Time Home Buyers or Low-to-Moderate Income Borrowers.
- Up to 95% financing for the purchase of a primary residence.
- Up to 90% financing for the purchase of a second home.
- Cash out refinance up to 80% for primary and 75% for a second home.
- Other options are available; please call us at 302-629-0100
*Quotes based on 80% LTV with FICO score of 780 or greater for owner-occupied purchases and rate and term refinancing. Rate displayed are the lowest rate available for well qualified borrowers. Actual rate and maximum financing options may differ based on creditworthiness. Rates are subject to change without notice due to market fluctuations. Contact us at 302-629-0100 for current rates specific to your scenario. Company NMLS #469595
Government Insured Fixed-Rate Mortgage Options
Rates for: 10/08/2024
| Type | Max LTV | Max Amount | Max Term | Fixed Rate* | ||
| 1.00% Point | 0.50% Point | No Points | ||||
| FHA | 96.50% | $472,030 | 30 years | 6.500% | 6.625% | 6.750% |
| VA | 100% | $766,550 | 30 years | 6.625% | 6.750% | 7.125% |
| VA Jumbo | 100% | $1,000,000 | 30 years | 7.000% | 7.125% | 7.625% |
| USDA | 100% | $766,550 | 30 years | 6.625% | 6.750% | 7.125% |
* Stated Annual Percentage Rate (APR) is the lowest rate available for qualified borrowers. Actual rate and maximum financing options may differ based on creditworthiness. Maximum Amounts are specific per county and state. Government Insured Programs Quotes based on Maximum LTV with FICO score of 680 or greater for owner-occupied purchases and rate and term refinancing. Rates are subject to change without notice due to market fluctuations. Contact us at 302-629-0100 for current rates specific to your scenario. *Sussex and Kent County, DE loan limits; Please call for other counties.
Construction Loans
Fixed Annual Percentage Rate during the construction period up to 9 months; interest only payment.
Conversion Options
Variable Rate Option
- Up to 100% financing for amounts up to $766,550 for Primary Residence.
- Up to 90% financing for amounts up to $766,550 for Second/Vacation Home.
- Up to 97% financing for amounts up to $1,000,000 for Primary Residence.
- Up to 95% financing for amounts up to $1,250,000 for Primary Residence.
- One settlement saving you thousands of dollars in additional closing costs.
- No Private Mortgage Insurance (PMI) up to 90% LTV up to $766,550 on Primary Residence and Second/Vacation Home
- See our Adjustable-Rate Mortgage Program above for available amounts and final terms.
- Origination fee of 1% with $3,000 minimum.
Fixed Rate Options
- See above Fixed Rate schedule in terms of LTV and maximum financing; additional settlement will be required; private mortgage insurance required in excess of 80% LTV.
NMLS #469595
Home Equity Loans
Rates for: 01/06/2025
| Product | APR* | Term | Amount |
| Home Equity Variable Rate Line of Credit (TFCU holds 1st Lien) | Prime Rate; 7.750% Adjusts Monthly | Revolving | Up to 80% of net** appraised value |
| Home Equity Variable Rate Line of Credit (TFCU holds 1st Lien) | Prime Rate; 8.250% Adjusts Monthly | Revolving | Up to 90% of net** appraised value |
| Home Equity Variable Rate Line of Credit (TFCU holds 1st Lien) | Prime Rate; 8.750% Adjusts Monthly | Revolving | Up to 100% of net** appraised value; maximum $250,000. |
| Home Equity Variable Rate | 7.700% | Up to 20 years | Up to 80% of net** appraised value |
| Home Equity Variable Rate | 8.200% | Up to 20 years | Up to 90% of net** appraised value |
| Home Equity Variable Rate | 8.700% | Up to 20 years | Up to 100% of net** appraised value, maximum $250,000 |
* Stated Annual Percentage Rate (APR) is the lowest rate available for qualified borrowers. Actual rate may be higher based on creditworthiness. NMLS #469595
** Appraised value less 1st lien balance.
1Limited to Loans in the Delmarva Peninsula. If TFCU is not first lien holder, the loan amount is limited to 80% LTV with maximum $100,000. Minimum loan amount $10,000. Additional limitations may apply.
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