Smiling young adult couple outside during winter snow

Mortgage

So you’re ready to buy, build, or refinance a home.

Rosedale Federal has a range of options for you. Choose from a variety of flexible terms. Or our adjustable rate mortgages for flexibility. Or you might need a developed lot loan or construction-to-permanent mortgage loan. Wherever you want to call home, we can help. We even offer a First-Time Home Buyer Program to help guide you through the necessary credit and paperwork steps. Meet our Residential Lending Production Team.

Please know that we’re still here for you even after the closing, because our relationship with you is important. If you ever have questions or need assistance with your mortgage, or any other Rosedale Federal account, you can turn to the friendly, professional people you already know at your Rosedale Federal branch.

Are you ready to get started?

If you are looking to buy or build a home and would like to start the Prequalification process, please select Apply Now below.

Are you looking to take advantage of the available equity in your home or reduce your current interest rate? If so, please select Apply Now below.

If you have login credentials and would like to check the status of your mortgage application, please select Check My Status below.

Apply Now Check My Status

Mortgage Calculator Amortizing Loan Calculator Rent vs Buy Calculator

Residential-Fixed Rate

This is a good choice if you plan to be in the home for a long time, growing your equity and having the peace of mind of predictable monthly payments. The loan amount, interest rate, and term are established up front and do not change over the life of the mortgage.

Maximum Loan Amount: $766,550*

Jumbo Loan Amount: $766,551 $1,500,000*

Loans in excess of $1,500,000 may be available.

Please call for rates, terms, and conditions.

Residential - Adjustable Rate

If you need a smaller mortgage payment today, but expect your income to grow in the future, this option could be a good solution. Generally, the initial rate is lower for an adjustable-rate than a fixed-rate mortgage. Also, if you don’t plan to be in the house for the long term, an adjustable-rate loan could be right for you.

Maximum Loan Amount: $766,550*

Jumbo Loan Amount: $766,551- $1,500,000*

Loans in excess of $1,500,000 may be available.

Please call for rates, terms, and conditions.

First Time Home Buyer

It’s a complex journey when you’re buying your first home. Our program is designed to put you at ease, answer your questions, walk you through the paperwork process, and help you choose a home price and mortgage terms that will fit your needs today and into the future.

Please call 410.668.4400 ext. 103 for additional details.

Construction/Permanent

Building a home can be a complicated process. At Rosedale Federal, we’ve helped many customers through it and we would be happy to offer our knowledge and experience to you. We can help finance the construction and then convert your loan to an ongoing mortgage.

Maximum Loan Amount: $766,550*

Jumbo Loan Amount: $766,551- $1,500,000*

Loans in excess of $1,500,000 may be available.

Please call for rates, terms, and conditions.

*Maximum Loan Amounts listed are effective for published rates. Please call for additional rate information for a higher loan amount.

Check out our Financial Education Center to learn more about owning a home.

Click below for a helpful infographic.

The American Bankers Association Foundation has released a new infographic featuring 5 tips for home buyers.

OTHER RESOURCES:

Mortgage Calculator

Home Loan Calculator

Home Loan Estimator