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The Tidewater team behind your front door

We are local advisors, neighbors, and homeowners ourselves — and we treat your loan like it is our own mortgage on the line.

Tidewater advisors in a team meeting at the Norfolk office

A local lender that picks up the phone

Tidewater Home Loans started in Norfolk with one belief: borrowing money should feel like getting advice from a neighbor, not filing paperwork with a bank. Twelve years later we have guided more than 12,000 families into homes, refinances, and businesses they love.

Every file gets a named advisor, a clear timeline, and a rate you can see broken down line by line. No call centers, no hand-offs, no surprises at closing.

  • One dedicated advisor from application to keys
  • Line-by-line rate breakdown before you commit
  • Average close in 21 days, tracked in plain English

12+

Years serving Tidewater

12,000+

Loans funded

24 hrs

Typical pre-approval time

What we stand for

Four promises every borrower can hold us to.

Honest rates

The rate we quote is the rate you get — published daily, explained clearly.

Local experts

We know Tidewater neighborhoods, taxes, flood zones, and VA loan rules.

Fast closings

In-house processing means most purchases close in about three weeks.

Lifetime support

We service what we sell — refinance reviews, tax questions, and more.

Meet your advisors

Real people, direct lines, and decades of combined lending experience.

Portrait of Marcus Tillman, founder of Tidewater Home Loans

Marcus Tillman

Founder & Principal Broker

Twenty years of Tidewater lending. Marcus has funded over 4,000 home loans.

Portrait of Dana Whitfield, senior loan advisor

Dana Whitfield

Senior Loan Advisor

First-time buyer specialist. Dana turns confusing paperwork into plain English.

Portrait of Robert Okafor, operations lead

Robert Okafor

Operations Lead

Keeps every file on schedule so closings happen when promised.

Ready to meet your advisor?

Tell us about your goals and we will match you with the right expert within one business day.