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Frequently asked questions.
How does Rocket Mortgage work?
Rocket Mortgage® was designed to walk you through the entire mortgage process from application to closing. Our online application asks you a series of questions to evaluate your eligibility for a home loan. Then, we use the information you gave us, and information from your credit report, to provide you with mortgage recommendations and see if we can approve you.
Once you're approved, Rocket Mortgage® will provide all the tools you need to get your mortgage to closing. You can use it to communicate with us, send information and documents, and see your loan info and closing details.
Once you're approved, Rocket Mortgage® will provide all the tools you need to get your mortgage to closing. You can use it to communicate with us, send information and documents, and see your loan info and closing details.
What kind of loans can I get with Rocket Mortgage?
Rocket Mortgage® recommends loans you may be eligible for based on the information you provide.
When you use Rocket Mortgage® to buy a home, you may see mortgage recommendations for: Conventional loans, FHA loans (including FHA Streamlines), VA loans (including Interest Rate Reduction Refinance loans), Jumbo loans.
You can't use Rocket Mortgage® to get a construction loan (i.e., a loan used to build a new home) or a home equity line of credit (HELOC). But you can use Rocket Mortgage® to get a cash-out refinance, which gives you money you can put toward the same things as a HELOC, like paying down debt.
When you use Rocket Mortgage® to buy a home, you may see mortgage recommendations for: Conventional loans, FHA loans (including FHA Streamlines), VA loans (including Interest Rate Reduction Refinance loans), Jumbo loans.
You can't use Rocket Mortgage® to get a construction loan (i.e., a loan used to build a new home) or a home equity line of credit (HELOC). But you can use Rocket Mortgage® to get a cash-out refinance, which gives you money you can put toward the same things as a HELOC, like paying down debt.
Who can use Rocket Mortgage?
Rocket Mortgage® is best for people who have a credit score of 580 or above and are ready to buy a home or refinance within the next few months.
If you already have a signed purchase agreement, apply online to get started. Afterwards, one of our Home Loan Experts will give you a call so we can speed up your mortgage process.
If you're self-employed, you can start your application with Rocket Mortgage®, but you won't be able to do everything online. We'll connect you with a Home Loan Expert along the way. If you think you'll need a co-signer to get a mortgage, we recommend calling or chatting with a Home Loan Expert before applying online.
If you already have a signed purchase agreement, apply online to get started. Afterwards, one of our Home Loan Experts will give you a call so we can speed up your mortgage process.
If you're self-employed, you can start your application with Rocket Mortgage®, but you won't be able to do everything online. We'll connect you with a Home Loan Expert along the way. If you think you'll need a co-signer to get a mortgage, we recommend calling or chatting with a Home Loan Expert before applying online.
What kind of homes can I use Rocket Mortgage to get a loan for?
Most people use Rocket Mortgage® to buy or refinance: a single-family home, a second home or investment property, or a condo.
We do provide mortgages for other less common property types. If you want to buy or refinance something not mentioned above, reach out to a Home Loan Expert.
We do provide mortgages for other less common property types. If you want to buy or refinance something not mentioned above, reach out to a Home Loan Expert.
What are the requirements for getting a loan with Rocket Mortgage?
We look for certain things when we evaluate a loan application. While the approval process is unique to each person, here are some general guidelines.
Ideally, your monthly expenses shouldn't be more than 45% of what you earn each month. When you purchase or refinance a home, we need to trace your assets. We also like to see a two-year work history with proof of current, stable income.
There are certain circumstances in which a credit score of 580 is enough, but typically you need a credit score of 620. Whether you're purchasing or refinancing, you'll typically need an appraisal. We work with an independent, third-party appraisal management company to order the appraisal for you.
Ideally, your monthly expenses shouldn't be more than 45% of what you earn each month. When you purchase or refinance a home, we need to trace your assets. We also like to see a two-year work history with proof of current, stable income.
There are certain circumstances in which a credit score of 580 is enough, but typically you need a credit score of 620. Whether you're purchasing or refinancing, you'll typically need an appraisal. We work with an independent, third-party appraisal management company to order the appraisal for you.
Where is Rocket Mortgage available?
You can use Rocket Mortgage® to get a loan in all 50 states and the District of Columbia. At this time, you can't use Rocket Mortgage® to get a loan in Puerto Rico or anywhere outside the U.S.
Rocket Mortgage® is an online lender. Because we're online, we don't have offices that are open to the public. That doesn't mean there aren't real people waiting to help you, though — our Home Loan Experts are available to answer your mortgage questions.
Rocket Mortgage® is an online lender. Because we're online, we don't have offices that are open to the public. That doesn't mean there aren't real people waiting to help you, though — our Home Loan Experts are available to answer your mortgage questions.
What does it cost to get a loan with Rocket Mortgage?
Applying with Rocket Mortgage® is free! There's no cost to see your mortgage recommendations or get approved. However, if you decide to move forward with your loan, there are costs involved — just like with any other lender.
Things like the size and type of the loan, your credit score, and interest rates all play a role in determining how much you'll pay to borrow money. It's better to base your mortgage decision on a variety of factors — such as loan type and lender reputation — rather than just on fees.
Things like the size and type of the loan, your credit score, and interest rates all play a role in determining how much you'll pay to borrow money. It's better to base your mortgage decision on a variety of factors — such as loan type and lender reputation — rather than just on fees.
What can I expect my closing costs to be?
It depends on whether you're buying or refinancing. If you're buying a home, plan to have at least 3% of the purchase price for a down payment and between 3% and 6% of the purchase price for closing costs.
If you're refinancing with Rocket Mortgage®, you might not need to pay out of pocket to close your loan. In many cases, we may automatically roll all your closing costs into your loan to make refinancing more affordable.
If you're refinancing with Rocket Mortgage®, you might not need to pay out of pocket to close your loan. In many cases, we may automatically roll all your closing costs into your loan to make refinancing more affordable.
How does Rocket Mortgage do appraisals?
After you apply with Rocket Mortgage® and get approved, Rocket Mortgage® will order an appraisal on your behalf, if it's required for your loan. By law, appraisers must be an independent third party not affiliated with you or your mortgage company. We don't have any say in the appraiser selected and don't own any appraisal companies.
A third-party appraiser will visit the home you're buying or refinancing to assess the property, then compare it against similar, recently sold homes in the area to come up with an opinion of value.
A third-party appraiser will visit the home you're buying or refinancing to assess the property, then compare it against similar, recently sold homes in the area to come up with an opinion of value.
Does Rocket Mortgage service its own loans?
We service almost all our loans except for jumbo loans. For many clients, that means after you close your loan with us, you can keep using Rocket Mortgage® to manage it.
I have more than one loan with Rocket Mortgage. How can I download my 1098s for all of them?
After you view or download the 1098 statement for this loan, choose a different address to get the 1098 statement for that loan.
Rocket Mortgage is a trademark of Rocket Mortgage, LLC or its affiliates.
* Rocket Mortgage clients who finance a purchase loan with Rocket Mortgage may be eligible for a lender credit equal to 0.50% of the final loan amount, up to $5,000. Clients who also use a Redfin real estate agent for their purchase transaction may be eligible for a lender credit equal to 0.75% of the final loan amount, up to $6,000, depending on program requirements. Actual savings and eligibility vary based on transaction details and program requirements.
In lieu of lender-paid credits, clients may elect a 1-0 temporary buydown. All loans are subject to underwriting approval, and not all applicants will qualify. Loan terms, client, and property must meet applicable investor and program guidelines; the credit may be reduced per investor or regulatory guidelines. Offer valid only on retail loans with conforming loan limits. This offer may not be combined with any other discount or offer. Rocket Mortgage reserves the right to modify or cancel this offer at any time. Additional restrictions and conditions apply. This is not a commitment to lend.
Rocket Mortgage clients who buy and sell with a Redfin agent may also be eligible for an additional real estate commission discount equal to the lender-paid credit provided by Rocket Mortgage described above, which will be reflected as either a brokerage credit or a discount on Redfin’s fee at the time of the second qualifying transaction. The second transaction, whether a purchase or sale, must close by December 31, 2026. If the client elected the 1-0 temporary buydown from Rocket Mortgage, the commission discount will be 0.75% of the loan amount, up to $6,000. This discount is provided solely by Redfin and is subject to Redfin agent availability. Additional restrictions and conditions apply. This discount may not be combined with any other discount or offer. The discount may be reduced per investor or regulatory guidelines. Not available in all states. Redfin may modify or cancel this offer at any time. Rocket Mortgage and Redfin are affiliated companies and use of each is optional.
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