Rocket Mortgage Logo
  • Buy
    Get started

    Popular

    • Purchase loan options
    • VA & military purchase resources
    • Chat
    A woman lifting a baby in front of a green two-story house with a Redfin “Sold” sign in the yard while the realtor stands behind them.

    Buying soon? Save thousands with Rocket Mortgage & Redfin.

    Learn More
    All calculators

    Popular

    • Home affordability calculator
    • Mortgage calculator
    • Rent vs. buy calculator
    • Amortization calculator
    • Down payment calculator
    Compra o vende una casa

    Popular

    • Cómo aumentar el valor de la vivienda: Una guía de 4 pasos
    • Casa inicial o casa definitiva: ¿Qué es lo mejor para ti?
    • ¿Cómo reparar tu puntuación de crédito cuando quieres comprar una casa?
    All articles

    Popular

    • Home buying process
    • First-time home buyers
    • Moving tips
    • Preparing to buy
    • Homeownership
    A woman with dark hair laughing while painting a bedroom. A graphic tag says "For renters".

    Turn your monthly rent into a head start on a home of your own

    Learn about RentRewards
  • Refinance
    Get started

    Popular

    • Refinance loan options
    • VA & military refi resources
    • Chat
    A young man embraces his family members outside of his new home.

    Get cash from your home’s equity while keeping your mortgage rate

    Learn about Home Equity Loans
    All calculators

    Popular

    • Refinance calculator
    • Mortgage payoff calculator
    • Amortization calculator
    • Home equity calculator
    All articles

    Popular

    • Refinancing guide
    • Types of refinancing
    • Equity and home value
    • Debt consolidation
    Refinanciar una casa

    Popular

    • Refinanciación de préstamos FHA: Requisitos y beneficios
    • 11 preguntas qué debes hacer cuando quieres refinanciar tu hipoteca
    • ¿Qué es un beneficio neto tangible?
  • Rates
    All purchase rates

    Popular

    • 30-year mortgage rates
    • FHA loan rates
    • VA loan rates
    • Jumbo loan rates
    A woman with dark hair laughing while painting a bedroom. A graphic tag says "For renters".

    Turn your monthly rent into a head start on a home of your own

    Learn about RentRewards
    All refinance rates

    Popular

    • 30-year refinance rates
    • FHA refinance rates
    • VA refinance rates
    • Jumbo refinance rates
    Rate updates

    Popular

    • How the federal funds rate affects mortgage rates
    • How a fed rate drop affects home buyers and sellers
    • Should I lock in my mortgage rate today?
  • Loan options
    All home loans

    Popular

    • 15-year fixed
    • 30-year fixed
    • Adjustable-rate mortgage (ARM)
    • Bridge loan
    • Cash-out refinance
    • FHA loan
    • Home Equity Loan
    • HomeReady® and Home Possible®
    • Jumbo Smart
    • ONE+ by Rocket Mortgage®
    • VA loan
    A young man embraces his family members outside of his new home.

    Get cash from your home’s equity while keeping your mortgage rate

    Learn about Home Equity Loans
  • (888) 452-8179Phone Number
  • Sign inSign In
  • Apply now
Sign In

Phone Number(888) 452-8179
Apply now

For a better Rocket Mortgage® experience, switch browsers to Microsoft Edge, Google Chrome or Mozilla Firefox.

  1. Home
  2. /
  3. Learn
  4. /
  5. Authors
  6. /
  7. Breyden Kellam
Breyden Kellam headshot.

Breyden Kellam

Former contributing writer

Breyden Kellam is a writer covering topics on homeownership, finance, lifestyle and more. She is a graduate of the University of Michigan with a Bachelor of Arts degree in English. With a deep love for all things literary, Breyden is passionate about using her words to touch hearts and positively impact lives.

Education

Univeristy of Michigan

Recent Articles

A woman enjoying a cup of coffee while thinking about something.

5-minute read

Adjustable-rate mortgages: The pros and cons

Adjustable-rate mortgages start with lower interest rates that later adjust, affecting your monthly payment. Learn more about the pros and cons of an ARM.

Read more

Two men going over paperwork together.

3-minute read

What is a transfer tax?

Transfer tax is a one-time fee for the transfer of property ownership. Learn how transfer tax is assessed, rules by state and local governments, and how it work...

Read more

Miami Beach skyline, featuring buildings and the coastline.

9-minute read

Best states to retire in 2024

Affordability usually tops the list when considering the best state to retire in. Check out our list of the best states for retirees – and why we picke...

Read more

Woman Standing On Her Balcony

3-minute read

Is homeowners insurance required? What buyers should know

While homeowners insurance isn’t legally required, mortgage lenders will usually require it. Learn more about homeowners insurance requirements for buy...

Read more

1 of 1
Footer Rocket logo mark
Redfin

Get a real estate agent handpicked for you and search the latest home listings.

Rocket Mortgage

Buy a home, refinance, or manage your mortgage online with America's largest lender.*

Rocket Money

Save more, spend less, see everything, and take back control of your financial life.

Rocket Loans

Get a personal loan to consolidate debt, renovate your home and more.

Rocket Pro

Build and grow your wholesale lending business.

Rocket Close

Appraisal, title, and closing solutions that drive speed, confidence, and savings for Rocket clients.

Rocket Mortgage
  • Buy a home
  • Refinance
  • Rates
  • Calculators
  • Loan options
  • Make a payment
  • About us
  • Careers
  • FAQs
  • Social impact
  • Press Room
Legal info
  • Terms of use
  • Disclosures and licenses
  • Privacy policy
  • Notice at collection
Support
  • Talk to us
  • Share your screen
  • Communication opt-out
  • Give us your feedback
  • Site accessibility
Youtube icon
Facebook icon
Instagram icon
LinkedIn icon
Download on the App Store.
Get it on Google Play.
Rocket mobile application

No. 1 in customer satisfaction
Most awarded brand for mortgage servicing

Rocket Mortgage has won more awards than any other brand in the J.D. Power U.S. Mortgage Servicer Satisfaction Studies between 2002 – 2025. Visit JDPower.com/Awards for more information.

Equal housing opportunity logo.
J.D. Power for Customer Satisfaction since 1968

*Based on 2024 HMDA-reported loan origination unit volume; excludes correspondent loans. Based on Rocket Mortgage site data in comparison to public data records.

Rocket Mortgage, 1050 Woodward Ave., Detroit, MI 48226-1906 

NMLS #3030. Go here for the Rocket Mortgage NMLS consumer access page.

©2000-2025 Rocket Mortgage, LLC. All rights reserved. Lending services provided by Rocket Mortgage, LLC.

 

Rocket Mortgage, LLC, Rocket Homes Real Estate LLC, Rocket Card, LLC, RockLoans Marketplace LLC (doing business as Rocket Loans), and Rocket Money, Inc., are separate operating subsidiaries of Rocket Limited Partnership. Redfin Corporation is an affiliated business of Rocket Limited Partnership. Each company is a separate legal entity operated and managed through its own management and governance structure. Rocket Limited Partnership is an indirect, wholly owned subsidiary of Rocket Companies, Inc. (NYSE: RKT).