Home loans that help you reach your goals

Buying your first home? Want to get the most out of the one you already have? Whatever your goal, we'll help find the right loan for you.

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Personalize your options

Answer four questions to find home loans that could work for you.

We found {x} loan options for you

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What are you researching?

Options for my current home are loans for taking cash out, shortening the length of your mortgage, and more.

Please choose an answer.

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Do you want to focus on our most affordable loans?

These loans have low down payments and may include credits or grants. Some are designed to help more people become homeowners, so they may have income or location eligibility requirements.

Please choose an answer.

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Is your main goal to use your home to take cash out?

If you have more than one goal, like taking cash out and lowering your monthly payment, that’s okay. We just need to know if cash out is the main goal.

Please choose an answer.

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What's your credit profile range?

If you’re not sure, take a guess. Then consider exploring how different credit profiles change your options.

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Are you a military service member?

This includes veterans, reservists, National Guard personnel and surviving spouses.

Please choose an answer.

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Based on your answers, these loans could be options for you. Don’t worry about choosing, though. We can help figure out what’s best for you.

(888) 452-8179

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What credit score do you need? 

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15-year fixed

Buying or refinancing, a shorter term means higher monthly payments. But you pay less interest overall. Buy a home with as little as 5% down.

Save on interest

30-year fixed

The most popular loan for buying and refinancing. A longer term means lower monthly payments. Buy with only 3% down.

Affordability

Adjustable-rate mortgage

Starts with a fixed interest rate for 5, 7 or 10 years that can be lower than other kinds of loans. Your rate then adjusts every 6 months after.

Save on interest

FHA loan

Buy or refinance with a lower credit profile and more debt compared to most loans. You only need 3.5% down to buy a home.

Lower credit profiles

Home Equity Loan

Need cash fast? You can tap your home’s equity, keep your current mortgage rate, and enjoy fixed payments – no refinancing required.2

Get cash out

HomeReady® and Home Possible®

Designed to make buying a home more affordable. You only need a 3% down payment and pay reduced mortgage insurance.

Affordability

Cash-out refinance

Swap your current loan for one that puts extra cash in your pocket. Tackle home upgrades, consolidate debt and move forward your way.

Get cash out

Jumbo Smart

For home purchase or refinance amounts above conventional loan limits – starting at $766,550 and up in most areas of the U.S.

Large loan amounts

ONE+ by Rocket Mortgage®

Designed to make buying a home more affordable. You only need 1% down. Rocket Mortgage covers an additional 2%.1

Affordability

VA loan

Designed with benefits for military service. Buy a home or take cash out with a lower credit profile. Your down payment can be as low as 0%.

Eligible military

Businesswoman signing a contract.

5-minute read

3 ways to refinance a mortgage with bad credit

Read the article

Person making a transaction with a credit card.

6-minute read

Buying a house with bad credit 

Read the article

View of a white modern kitchen and a dining table.

6-minute read

Cash-out refinance: Rates and guide 

Read the article

Man in his living room sitting on the couch looking at his mobile phone.

8-minute read

How to repair your credit score

Read the article

view of a modern open concept living room, entryway and kitchen.

5-minute read

What credit score do you need? 

Read the article

15-year fixed

Buying or refinancing, a shorter term means higher monthly payments. But you pay less interest overall. Buy a home with as little as 5% down.

Save on interest

30-year fixed

The most popular loan for buying and refinancing. A longer term means lower monthly payments. Buy with only 3% down.

Affordability

Adjustable-rate mortgage

Starts with a fixed interest rate for 5, 7 or 10 years that can be lower than other kinds of loans. Your rate then adjusts every 6 months after.

Save on interest

FHA loan

Buy or refinance with a lower credit profile and more debt compared to most loans. You only need 3.5% down to buy a home.

Lower credit profiles

Home Equity Loan

Need cash fast? You can tap your home’s equity, keep your current mortgage rate, and enjoy fixed payments – no refinancing required.2

Get cash out

HomeReady® and Home Possible®

Designed to make buying a home more affordable. You only need a 3% down payment and pay reduced mortgage insurance.

Affordability

Cash-out refinance

Swap your current loan for one that puts extra cash in your pocket. Tackle home upgrades, consolidate debt and move forward your way.

Get cash out

Jumbo Smart

For home purchase or refinance amounts above conventional loan limits – starting at $766,550 and up in most areas of the U.S.

Large loan amounts

ONE+ by Rocket Mortgage®

Designed to make buying a home more affordable. You only need 1% down. Rocket Mortgage covers an additional 2%.1

Affordability

VA loan

Designed with benefits for military service. Buy a home or take cash out with a lower credit profile. Your down payment can be as low as 0%.

Eligible military

Loan options from Rocket Mortgage®

FHA loan

Buy or refinance with a lower credit profile and more debt compared to most loans. You only need 3.5% down to buy a home.

Lower credit profiles

30-year fixed

The most popular loan for buying and refinancing. A longer term means lower monthly payments. Buy with only 3% down.

Affordability

HomeReady® and Home Possible®

Designed to make buying a home more affordable. You only need a 3% down payment and pay reduced mortgage insurance.

Affordability

Home Equity Loan

Need cash fast? You can tap your home’s equity, keep your current mortgage rate, and enjoy fixed payments – no refinancing required.2

Get cash out

Cash-out refinance

Swap your current loan for one that puts extra cash in your pocket. Tackle home upgrades, consolidate debt and move forward your way.

Get cash out

15-year fixed

Buying or refinancing, a shorter term means higher monthly payments. But you pay less interest overall. Buy a home with as little as 5% down.

Save on interest

VA loan

Designed with benefits for military service. Buy a home or take cash out with a lower credit profile. Your down payment can be as low as 0%.

Eligible military

ONE+ by Rocket Mortgage®

Designed to make buying a home more affordable. You only need 1% down. Rocket Mortgage covers an additional 2%.1

Affordability

Bridge loan

A 6-month loan that lets you use the equity of your current home before it’s sold to buy your next home.

New from Rocket Mortgage

Jumbo Smart

For home purchase or refinance amounts above conventional loan limits – starting at $766,550 and up in most areas of the U.S.

Large loan amounts

Adjustable-rate mortgage

Starts with a fixed interest rate for 5, 7 or 10 years that can be lower than other kinds of loans. Your rate then adjusts every 6 months after.

Save on interest

Did you know?

No two mortgages are alike. Here are some ways we meet the unique needs of our clients.

Yes, we accept down payment assistance.

Is saving for a down payment keeping you from buying a home? Let us see what assistance you could be eligible for.

Connect with an expert

Fee Simple Home Loans on Native American Reservations

See multiple loan options for fee simple-owned property on Native American reservations.

Learn more

Yes, we offer savings for renters.

Your monthly rent could save you up to $5,000 in closing costs.5
About RentRewards

Questions about mortgage?

Whether you're just starting to explore or thinking about applying soon, Rocket Assist is here to answer your questions - 24/7, no waiting, no pressure.

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Expert guidance for your home loan journey.

1

Apply online

It only takes minutes to start bringing your goals into focus.

2

Know your next steps

Together we’ll figure out what makes the most sense for you.

3

Get your loan

Your dedicated team of experts will help you reach the finish line.

4

Check off that goal

And when it’s time for the next one, we’ll be here.

Don't wonder what's best. Ask us!

We’ve been helping clients find their perfect home loan for almost 40 years.

Call us

(888) 452-8179

Nationstar Mortgage LLC (d/b/a Mr. Cooper) and Rocket Mortgage, LLC are separate companies uniting under the same parent organization.

Rocket Mortgage is a VA-approved lender, not endorsed or sponsored by the Dept. of Veterans Affairs or any government agency. 

1Client will be required to pay a 1% down payment, with the ability to pay a maximum of 3%, and Rocket Mortgage will cover an additional 2% of the client’s purchase price as a down payment, or $2,000. Maximum grant amount is $7,000. Offer valid on primary residence, conventional loan products only. Maximum loan amount of $350,000. Cost of mortgage insurance premium passed through to client effective January 2, 2024. Offer valid only for home buyers when qualifying income is less than or equal to 80% area median income based on county where property is located. Not available with any other discounts or promotions and cannot be retroactively applied to previously closed loans or loans that have a locked rate. This is not a commitment to lend. Rocket Mortgage reserves the right to cancel/modify this offer at any time. Additional restrictions/conditions may apply.

2Home Equity Loan product requires full documentation of income and assets, credit score and max loan-to-value (LTV), combined loan-to-value (CLTV), and home equity combined loan-to-value (HCLTV) ratios. Requirements were updated 2/5/2024 and are tiered as follows: 680 minimum FICO with a max LTV/CLTV/HCLTV of 80%, 700 minimum FICO with a max LTV/CLTV/HCLTV of 85%, and 740 minimum FICO with a max LTV/CLTV/HCLTV of 90%. Your debt-to-income ratio (DTI) must be 50% or below. Valid for loan amounts between $45,000.00 and $500,000.00 (minimum loan amount for properties located in Michigan is $10,000.00). Product is a second standalone lien and may not be used for piggyback transactions. Product not available on Schwab products. Guidelines may vary for self-employed individuals. Some mortgages may be considered “higher priced” based on the APOR spread test. Higher priced loans are not allowed on properties located in New York. Additional restrictions apply. Not available in Texas. This is not a commitment to lend.

5Clients who are current renters will receive a lender credit toward closing equivalent to 10% of the total amount of their 12-month current rental payment, up to $5,000. Current renters are defined as individuals who are currently under a lease agreement. Offer only valid on primary residences. Offer valid only through retail channels and on loans that are locked on or after February 11, 2025. Offer not available for Non-Occupant Co-Clients. Offer not available for partnerships. Offer not valid on Jumbo loans, Schwab products or previously locked or closed loans. Offer is nontransferable. Offer is not valid with any other discounts or promotions. Additional restrictions/conditions apply. Rocket Mortgage reserves the right to modify/cancel this offer at any time. This is not a commitment to lend.