Rocket Mortgage Logo
  • Buy
    Get started

    Popular

    • Purchase loan options
    • VA & military purchase resources
    • Chat
    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 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
    • 10 preguntas que hacer al refinanciar
    • ¿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. David Collins
David Collins headshot.

David Collins

Contributing writer

David Collins is a contributing writer for Rocket Mortgage who now freelances in the fields of mortgage, personal finance, and real estate. Other areas of expertise include automotive, sports, homes, and food and wine.

David has a degree in English from the University of Michigan. His novel My Louise: A Memoir was published by Ontario Review Press in 2002. He lives in Michigan.

Expertise

PersonalFinance

Education

Studied english at University of Michigan

Recent Articles

Downtown skyline of Fort Myers, Florida.

13-minute read

The top 15 fastest-growing cities in the US

Wanting to move to a busy city with a rapidly growing population? Explore the fastest-growing cities in the U.S. and discover why people are flocking there.<...

Read more

Woman moving into an apartment, representing relocation or housing change.

8-minute read

Does renters insurance cover theft?

Renters insurance will cover theft that occurs both inside and outside your home. Learn more about what you can expect from a renters insurance policy.

Read more

A realtor showing a property to a couple and describing its features.

8-minute read

Wholesale real estate: A beginner's guide

What is wholesale real estate? This guide will help you understand the basics, how the selling process works and best practices.

Read more

RHB Assets From IGX: A father and daughter pointing at solar panels on a roof.

7-minute read

The most desired eco-friendly energy saving products in 2023

American homeowners rank the top alternative energy products, smart home products, and energy efficiency products for 2023.

Read more

2 of 2
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 Card

Earn up to 5% cash back in mortgage savings on every tap or swipe - using the card designed with home in mind.

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).