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Mortgage Rates

Today's Mortgage Rates

Rosedale Federal offers a variety of home-related loan products. Mortgage Rate and Annual Percentage Rate (APR) examples below are representative of some of our available products. Our Residential Lending Production Team is here to guide you through the process step by step. Please call (410) 668-4400 ext. 103 or email us to learn more about our mortgage loan options and get a personalized rate and APR quote.

All Mortgage Rates and APRs are current as of at 11:00 a.m., are for illustrative purposes only, and are subject to change at any time without notice until you have locked a loan. Your actual rate, APR, and payment will vary, and could be higher, based on your specific financial situation, credit score, property appraisal, and other factors. This is not a credit decision or a commitment to lend and you must apply and submit additional financial information for review and credit approval.
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Product Term Rate APR Points Monthly Payment   (per $1000 borrowed)
Mortgages - Purchases and Refinances 15-year Fixed 6.875% 7.011% 0.000%
30-year Fixed 7.125% 7.211% 0.000% $6.74

Assumptions and Important Disclosures 

Advertised Mortgage rates and APRs are based on a $375,000 loan amount, 75% Loan-to-Value (LTV), 780+ credit score, Baltimore County MD property location, and other loan assumptions.

Your actual rate, APR, and payment may differ based on your specific financial situation and other factors. The APR also includes an average of costs a borrower would pay for tax service, flood hazard determination, and closing-related services, as permitted by regulation and law.

Other charges may include, as applicable to the loan program and permitted by regulations, those for appraisals, credit reports, title insurance, and other miscellaneous costs. Obtain a Loan Estimate before choosing a loan.

Payments shown reflect principal and interest only, and do not include taxes, insurance, or other applicable escrows; your actual payment obligation will be greater.

The maximum LTV ratio for purchases is up to 97% (Other limits may apply). LTVs in excess of 80% (borrowers making a down payment of less than 20%) require private mortgage insurance (PMI) which will increase the monthly payment and APR. For 15, 30-Year Purchases/Refinances, the maximum loan amount for published rates is $766,550 (loans in excess of $1,000,000 are available; please call for rates, terms and conditions). The maximum loan amount for a jumbo loan is $1,500,000.

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