Username Password Enroll In Online Banking BANK BORROW BUSINESS MEMBER SERVICES MEMBER BENEFITS RATES CONTACT LOCATIONS HOME Adjustable Rate Mortgages Is there flexibility in your budget? An Adjustable-Rate Mortgage could be the ideal solution when purchasing a home or refinancing your mortgage. Get a lower initial rate that adjusts after a set period of time. If you're buying your first home or lack a down payment, ARMs can help you get into the home you want. Easily Adjust to a Better Mortgage Option If you plan to sell or pay off your home in about five years, our ARMs help you save money with lower interest rates. Finance up to 100% on loan amounts up to $350,000 Rates stay fixed for five years and then adjusts to a variable rate annually with caps on increases No points or private mortgage insurance (PMI) Get additional information about ARMs Apply Now View Rates Fixed-Rate Mortgages If you have equity in your home and plan to stay for at least 10 years, our Fixed-Rate Mortgage is an ideal option. Your interest rate never changes, so your principal and interest payments don't either. And with Tidemark Federal Credit Union, the application and closing are convenient and quick. Mortgage Solutions for Homeowners in Delaware, Maryland, and Beyond If you plan to sell or pay off your home in about five years, our ARMs help you save money with lower interest rates. Even if you have less than 20% down, you can still get a fixed rate but with private mortgage insurance (PMI) premiums added each month until you've paid off 20% of your mortgage. The fixed rate always is slightly higher than an adjustable rate, but you can lower your rate by opting for a shorter term. With us, you can get a Fixed-Rate Mortgage for anywhere from 10 to 30 years, keeping in mind the shorter term with lower fixed rate results in a higher monthly payment because you're paying more toward your principal. But if you have some budgeting flexibility, the lower rate will save you money in the long run. If you have questions about which mortgage fits you, contact us today and our home loan experts will walk you through your options. Resources Rent Vs. Buy Calculator Mortgage Loan Calculator Mortgage Qualifier Calculator CreditSmart® Homebuyer U Homebuyer U provides a comprehensive homeownership education course through an interactive, guided experience. It offers six modules, each focused on key learning principles to promote education, homebuyer preparedness and financial management. CreditSmart® Courses © 2021 Tidemark Federal Credit Union. All Rights Reserved. Privacy Notice I Forms & Disclosures I Fee Schedule I Site Map I Careers I Website Accessibility Federally Insured by NCUA [3cx-clicktotalk id="1770" title="Live Chat & Talk item 1"] 302-629-0100 I 855-697-2328 I Email Us I Routing Number: 231176884 I ATM & Branch Locations