Tidewater Mortgage Services, Inc. is a licensed mortgage lender,
not a depository institution, and does not accept deposits.

Welcome to Tidewater!

We are your consumer advocates. Look to us to show you the facts about all the different loan programs available to you and which ones are a better financial fit for your needs. This is what we mean by trusted, transparent and responsible lending.

Our mortgage originators are SAFE Act licensed and we adhere to a strict no-steering policy. We are only interested in helping you find the loan that best fits your needs.

Get a free quote    Apply Now

Tidewater Mortgage Team

Get the best possible Rates!

As a direct lender, we provide some of the lowest rates in the industry. Our underwriting team is dedicated to fast approvals and closing your loan quickly. Our "no steering" policies guarantee that you'll see all loan programs available for your scenario.

We are licensed in accordance with the federal government’s S.A.F.E. Act and our mission is to become friends and mentors during your search for the best loan available.

Apply Now

Tidewater Rate Finder - Search & Save!

  • EnterZip Code
    Invalid Zip Code
efficient mortgage process

Save time, money & the environment!

Our advanced mortgage automation delivers e-disclosures and real-time loan pricing. We can source, manage, price and lock loans with multiple agencies in just a few minutes.

Call now for a free quote, or try a quick quote today!

Get a Quote

Credit Tune Up

Funding Suite's Intelligent Credit Report interprets tradelines, detects data errors, predicts Fannie Mae/Freddie Mac underwriting conditions and suggests ways to strengthen your credit scores in 72 hours.

This is the industry's only Credit Reporting software that proofreads every credit file in order to strengthen your borrowing power. We use it to find errors or other issues in your credit profile that may be wrongfully lowering your score and driving up your rates. Want To See Yours?

Read More

Analyze your credit
Christopher (Chris) Michael Cahill

Christopher (Chris) Michael Cahill
Branch Manager/Loan Officer
NJ License #MLO-9949535
PA License #MLO-29092
NMLS # 143131
Branch NMLS # 583229
(click links above to check licenses)

Direct: 732-667-5347
Mobile: 610-805-6234
Fax: 732-667-5348

2 North Road, Suite 5
Warren, NJ 07059

About Christopher (Chris) Michael Cahill

Chris Cahill began his business career as an account executive for Beneficial Finance in 1994.  He quickly asserted himself as a management candidate and was promoted to Branch Manager in just 18 months.  Prior to leaving Beneficial in 2000 he was managing one of the largest branches in the Mid-Atlantic region with over $25 million in receivables. 

In 2000 he formed Pendel Mortgage Co. based in Havertown, Pa.  The company began growing immediately and soon expanded into New Jersey and South Carolina.  Chris was the top producing loan officer averaging over $20 million per year in loan volume.

In July of 2010 he joined Tidewater Mortgage Services as Branch Manager of their Bridgewater, New Jersey office with licenses in both Pennsylvania and New Jersey.   

He is a 1994 graduate of Shippensburg University of Pennsylvania where he received a BA in Business Administration and Management.   He is an avid golfer who also enjoys traveling this great country and spending time with his wife and two children.

Christopher (Chris) Michael is licensed in NJ and PA

We provide mortgage rates and loan services in the state(s) listed above, as well as the following areas:

© 2014 Tidewater Mortgage Services, Inc. All rights Reserved.   |   Licensed by the Virginia State Corporation Commission, MC-1206
Mortgage Website by iLEADnow