Rosedale Federal Savings and Loan Association Reviews

Rosedale Federal Savings and Loan Association does not advertise its rates for 30-year fixed-rate mortgages as of the time of publishing. For the most accurate rates based on your individual situation, contact Rosedale Federal Savings and Loan Association or get prequalified on its website.

Mortgage rates vary based on your credit history, the type of loan, the loan amount, your down payment and the loan term.

Rosedale Federal Savings and Loan Association offers a variety of mortgage products, including:

• Fixed-rate mortgages
• Adjustable-rate mortgages
• First-time homebuyer mortgages
• HELOC

The maximum loan you can get with Rosedale Federal Savings and Loan Association depends on the type of loan you apply for and your financial qualifications. In general, the maximum loan you can get through Rosedale Federal Savings and Loan Association is a jumbo loan.

In most of the country, conforming loan limits in 2026 are $832,750 for single-unit properties. In Alaska and Hawaii, the limit is $1,249,125. Limits in high-cost counties in the other 48 states can be above $832,750 but are never higher than $1,249,125.

Below are the basic requirements borrowers must meet to take out a loan with Rosedale Federal Savings and Loan Association:

Rosedale Federal Savings and Loan Association minimum credit score

The minimum credit score requirement for a loan from Rosedale Federal Savings and Loan Association depends on the type of loan you apply for. Contact Rosedale Bank to learn more about credit requirements.

Even if you can’t meet these credit score requirements, you might be able to apply for a nonqualified mortgage through another lender. Note that this will likely result in a higher interest rate.

Rosedale Federal Savings and Loan Association minimum down payment

The minimum down payment for Rosedale Federal Savings and Loan Association depends on the loan type. Contact a loan officer to learn more about the minimum down payments required.

Conventional loans typically require a higher credit score and down payment than you need for a government-backed mortgage, but individual cases may differ.

Rosedale Federal Savings and Loan Association maximum debt-to-income ratio

Rosedale Federal Savings and Loan Association does not publish a debt-to-income (DTI) ratio recommendation or requirement on its website as of the time of publishing.

For reference, most lenders issue conventional loans to those with a DTI ratio below 36%, but some mortgage lenders and loan types allow for a DTI ratio of up to 45%. Some FHA-insured loans may even allow for a DTI ratio of up to 50%.

Rosedale Federal Savings and Loan Association’s application can be completed online, by phone or in person. Be prepared to provide information about your income and assets so that Rosedale Federal Savings and Loan Association can determine how much you can borrow.

» LEARN: How to get a mortgage

You can expect to pay a percentage of the loan in origination fees as part of your closing costs with Rosedale Federal Savings and Loan Association. This fee can vary, but we recommend that you plan to spend between 2% and 5% of your loan amount in closing costs on top of your down payment.