Mortgage Refinancing That Moves You Forward

Lower your rate, reduce your monthly payment, or tap into your home’s equity—Tidemark makes refinancing simple with flexible options and local guidance you can trust.

Start Application

Talk to a Loan Expert

Find the Right Refinancing Strategy for You

our mortgage is one of your biggest financial commitments—and refinancing can help you make it work smarter.

Lower your interest rate and monthly payment

Switch between fixed-rate and adjustable-rate loan options

Access your home’s equity with a cash-out refinance

Adjust your loan term to pay off your home faster

Ready to explore your options?

Meet With Us

Explore Your Mortgage Refinancing Options

Whether you’re looking for stability, flexibility, or access to your equity, we offer refinancing solutions designed around your goals.

Fixed-Rate Mortgage Refinance^C

Lock in a consistent rate and predictable payment^A —ideal for long-term stability and peace of mind.

Great when:

You want consistent monthly payments
You plan to stay in your home long-term
You want protection from future rate increases^B

Get Started

Speak With Us

Adjustable-Rate^E Mortgage (ARM) Refinance^C

Start with a lower initial rate^D and gain flexibility if your plans may change.

Great for:

You want a lower initial monthly payment
You plan to move or refinance within a few years
You’re comfortable with rate adjustments over time

Get Started

Speak With Us

Cash-Out Refinance

Turn your home’s equity into cash you can use for what matters most—whether that’s renovations, consolidating debt, or major expenses.^F ²

Great for:

You’ve built equity in your home
Your home value has increased
You want to leverage your equity strategically

Key Details:

Available for both primary and second homes^G
Flexible financing options based on loan type
Cash-out amounts up to $250,000 ¹ depending on program

Get Started

Speak With Us

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.

Give Us a Call >
302-629-0100

Schedule A Call Back >
With A Mortgage Loan Expert

Disclosures

Show All

Show Less

¹ Maximum cash-out amounts depend on loan type, program, property value, and borrower qualifications.

² Debt consolidation through refinancing may increase the total amount paid over time depending on loan terms.

^A Monthly principal and interest payments remain the same over the life of the loan; taxes and insurance are not included and may change. Rates and terms subject to change without notice and based on credit approval and underwriting requirements.

^B A fixed-rate mortgage protects against increases in the loan’s principal and interest rate.

^C Refinancing benefits depend on market conditions, loan terms, property value, and borrower qualifications.

^D After the initial fixed-rate period, the interest rate and monthly payment may increase or decrease based on market conditions. The initial interest rate is fixed for a limited period and adjusts periodically thereafter.

^E Adjustable-rate mortgages involve the risk that interest rates and payments may increase after the initial fixed-rate period ends.

^F Cash-out refinancing increases your loan balance and reduces available home equity.

^G Availability for primary and second homes depends on program eligibility and underwriting requirements.

Membership required.

Loan Rates Disclosures

Show All

Show Less

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.

Explore Other Options That Fit Your Goals

Mortgages

Make Your Move with Confidence

From buying to refinancing, we offer flexible mortgage options designed to fit your goals, timeline, and financial situation—backed by local guidance every step of the way.

Explore Mortgage Guidance