Loans

Mortgage Loans

Rosedale Federal offers a wide range of mortgage plans to suit your needs. Whether you are purchasing a home or refinancing an existing loan, we have a mortgage to fit your budget and long-term goals. And, as always, we are a local lender, and we do not sell mortgages, as most lenders do. Your Rosedale Federal loan will stay at Rosedale Federal; you will always have a local lender to talk to, either by telephone or in person, to resolve problems or inquiries.

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Home Equity Loans

A Home Equity Loan is fixed-term, fixed-rate mortgage that is a second mortgage on your home. It allows you to turn the equity in your home into cash, for home improvements, debt consolidation, college education or other expenses. Usually, the term of the loan is shorter than the first mortgage on your home, in that the amount of the loan is usually smaller, so the payment can still be affordable even with a shorter term. For more information, you may call us at 410-668-4400.

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Home Equity Line Of Credit

A Home Equity Line Of Credit (sometimes abbreviated as HELOC) is a floating-rate mortgage on your home. It is a revolving line of credit, much like a Visa or Mastercard account, except that you access your loan funds by writing checks drawn on your credit line. You can repay all or some of your loan amount, and then re-draw or re-use those funds again. You will receive a monthly statement that shows all of the checks you wrote, any payments you have made, the interest you were charged, and a minimum payment for that month. For more information, you may call us at 410-668-4400.

For current rates, terms, and more details, click here.

Home Improvement Loans

Rosedale Federal offers an unsecured loan for home improvement purposes. The maximum loan amount is $10,000, and the maximum term is four years.

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Auto & Boat Loans

Rosedale Federal offers competitive rates and terms for new and pre-owned automobiles and boats.

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Personal Loans

We offer personal loans to existing customers (minimum three-month account relationship with Rosedale Federal). The maximum loan is $5,000, and the maximum term is two years.

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