Because Your Life Evolves — and So Should Your Home Financing

At Tidewater Mortgage, we know that no two homebuyers are the same — and neither are their mortgage needs. As your life evolves, so do your financial priorities, goals, and definitions of “home.” That’s why we offer a wide range of mortgage solutions designed to meet you exactly where you are.

Here’s a quick guide to mortgage options tailored to every major life stage — whether you’re just starting out or settling into your forever home.

Just Married? Start Smart with an FHA Loan

Perfect for: Newlyweds or first-time buyers

Starting your lives together is exciting — and buying your first home can be a big part of that journey. FHA loans are designed to help first-time buyers get into a home with:

• Low down payment requirements (as little as 3.5%)
• More flexible credit score criteria
• Competitive interest rates

If you’re juggling wedding bills, student loans, or just working on building credit, an FHA loan can be the perfect stepping stone into homeownership.

Pro Tip: You can use gift funds for your down payment — a popular option for newlyweds!

Family Growing? Go Conventional

Perfect for: Growing families ready to upsize

As your family grows, your home needs often change too — more bedrooms, a backyard, better school districts. Conventional loans are a great choice for buyers with:

• Stronger credit
• Stable income and employment
• The ability to put down at least 3–5% (or more, for lower rates)

These loans are versatile and widely accepted by sellers, making your offer stronger in competitive markets. Plus, they often come with lower long-term costs if you’re in a good financial position.

Need room to grow? A conventional loan can get you into the next chapter comfortably.

Served Your Country? Go VA

Perfect for: Veterans, active-duty military, or eligible surviving spouses

The VA loan program is one of the best benefits of military service — and at Tidewater Mortgage, we’re proud to help veterans make the most of it. VA loans offer:

• No down payment required
• No private mortgage insurance (PMI)
• Competitive interest rates
• Flexible underwriting guidelines

It’s a powerful way to buy, build, or refinance a home with zero money down and low monthly costs — and we make the process smooth and stress-free.

Thank you for your service — now let us serve you.

 Empty Nest? Consider a Refinance or Reverse Mortgage

Perfect for: Downsizers, retirees, or homeowners 62+

If you’ve built equity over the years, your home can work for you — not the other way around. Whether you’re downsizing or simply looking to improve cash flow, we offer:

• Cash-out refinancing (tap into equity for renovations or retirement)
• Reverse mortgages (available to homeowners 62+)
• Streamline refinance options to lower your rate or payment

A mortgage doesn’t stop being useful after the kids move out — in fact, it can become one of your most powerful financial tools.

Your home’s equity can help fund the life you’ve earned.

 We’re With You at Every Step

No matter where you are on your life journey, we’re here to help you navigate the mortgage options that fit your goals, your family, and your future.

Let’s connect — and find the loan that meets you where you are and takes you where you want to go.

Ready to explore your options? Contact a Tidewater Mortgage expert today and let’s talk about what makes sense for you.