Tidemark FCU
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Mortgage & Home Equity Loans

Adjustable Rate Mortgages
Construction Loans
Land Loans
Home Equity Loans

Adjustable Rate Mortgages

We have the BEST program around! Based on our own Cost of Funds‚ our ARM Program provides extremely stable rates unlike ARMs tied to Treasury or Prime Rates.

  • No points
  • No PMI (private mortgage insurance) required
  • Origination fee of 1%
  • Jumbo options
  • Up to 100% financing on loan amounts up to $250‚000
  • 1-year‚ 3/1-year‚ 5/1-year options available. Rate converts from a fixed to a variable rate after 1‚ 3‚ or 5 years depending on option selected; thereafter rate adjusts annually.

         ARM Flex     ARM Handbook

Ask us for our Historical Cost of Funds Table. It will show you how your rate would have changed over the past several years with an ARM at Tidemark FCU.

This program applies to primary residences only.

Once you obtain a mortgage‚ remember we offer a number of other companion products including:

Home for Sale Center



Construction Loans

Construction to Permanent loans with one settlement. Primary residence only.

  • Construction Loan Phase:
    • Financing up to 9-months, up to 100% Loan to Value, at a fixed rate with interest only payments.
  • Permanent Financing Phase:
    • Construction loan converts to an Adjustable Rate Mortgage (ARM) upon completion of your home.
  • Origination Fee of 1% with a minimum of $3‚000 financed.

To apply for a construction loan, use our standard Mortgage Loan Application, select ARM and indicate Construction Loan where applicable. 

View Rates  Apply Now  Calculators  

Land Loans

Purchase the land/lot of your choice with affordable options from TFCU.

  • Loan amounts up to $400‚000
  • Borrow up to 70% LTV (loan to value)
  • Up to 15 years repayment option
  • Origination fee of 1% with a $2‚000 minimum financed


Home Equity Loans

Choose either a fixed rate or a variable rate line of credit loan, up to 90% of appraised value if we hold the first mortgage or, up to $100,000 if another lender does.

Fixed Rate Home Equity Loans
When you need cash for a specific purpose and for a limited time frame, a Home Equity Loan is a great option.

  • Rate is fixed for the term of the loan
  • Terms up to 15 years available
  • Loan to Value and approval are based on your credit history and other factors. Maximum LTVs are as follows:
    • Up to 90% of the equity in your home can be financed if your 1st mortgage is held at TFCU
    • Up to 80% financing with a maximum of $100,000 if your 1st mortgage is held by another lender

Home Equity Line of Credit (HELOC)
With a line of credit, you have access when you need funds.

  • Variable rate as low as Prime* with floor of 3.5%.
  • Rate adjusts quarterly.
  • Up to 90% of the equity in your home can be financed, depending on credit history and other factors

*Rates may be higher depending on credit history.


Once you have your loan, remember we offer a number of other companion products including:

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