Kevin Graham
Senior Writer
Kevin Graham is a Senior Writer with Rocket who has spent more than a decade covering mortgage, real estate, and personal finance. He has passed the MLO SAFE exam given to mortgage bankers and maintains his knowledge through continuing education courses. He has a BA in journalism from Oakland University.
A self-professed economics nerd, he brings knowledge to topics as varied as understanding what makes for a solid mortgage approval to interest rates and the doings of the Federal Reserve. He aims to help home buyers understand what real estate trends mean for them. He’s also unafraid to dig in on tax explainers.
In addition to his main writing interests, Kevin brings his life experience with cerebral palsy spastic quadriplegia into articles on home modification and personal finance for those living with disabilities. In his off hours, Kevin would challenge you to find a bigger fan of the Detroit Tigers.
Recent articles
8-minute read
How are mortgage rates determined?
Discover what determines interest rates with our in-depth analysis. Explore how economic trends, credit scores, and more impact mortgage rate decisions.
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6-minute read
Historical mortgage rates: 1971 to 2025
See how current mortgage rates compare to historical mortgage rates. Rates are among the highest of the decade but relatively low compared to the 1980s.
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7-minute read
Understanding right of survivorship: What you need to know
What is the right of survivorship? Learn how this legal principle affects joint property ownership and offers protection for surviving owners in this overvie...
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6-minute read
What is recapture of depreciation and how can I avoid it?
Planning on selling an asset that you’ve depreciated for tax purposes? Learn how depreciation recapture can lead to a big tax bill and how to avoid it....
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6-minute read
Fixed- vs. adjustable-rate mortgage: What’s the difference?
While shopping for home loans, you’ll need to decide between a fixed-rate or adjustable-rate mortgage. Learn how they differ, and which is better for you.
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8-minute read
IRA withdrawal for a home purchase: What you need to know
Withdrawing money from your IRA to buy a home is possible, but there are tax implications. Discover the pros and cons of tapping into your IRA to buy a home....
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5-minute read
VA non-allowable fees: These are costs buyers don’t have to pay
Non-allowable fees for a VA loan are costs that a buyer isn't responsible for paying. Learn what fees in a VA loan are non-allowable and why that is.
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8-minute read
What is Ginnie Mae (GNMA) and how does it work?
Discover how Ginnie Mae guarantees mortgage-backed securities, supports the housing market, and helps make homeownership more affordable.
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5-minute read
Co-borrower vs. co-signer: What's the difference?
If you need help getting a mortgage, a co-borrower or co-signer can bolster your application. Learn more about buying a home with a co-borrower or co-signer....
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7-minute read
Do you have an underwater mortgage? Here are your options
You have an underwater mortgage if you owe more than your home is worth. Learn the early indicators and what to do if your mortgage is upside down.
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6-minute read
Buyer agency agreement: Definition and explanation
A buyer agency agreement outlines the terms of a partnership between a home buyer and a real estate agent. Learn about the types and terms of these agreements.
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4-minute read
How bonds affect mortgage rates
The bond market and the mortgage market are closely connected. Read our article to learn what bond loan interest rates are and how they affect mortgage rates...
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2-minute read
RentRewards helps renters become homeowners
Are you looking to stop paying a landlord and finally have a place of your own? RentRewards turns your monthly rent into a credit toward closing costs.
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1-minute read
Amrock is now Rocket Close℠
Amrock, the nationwide title, mortgage settlement, and appraisal management company, is now Rocket Close.
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6-minute read
How to buy a second home with no down payment
Do you long for a getaway house of your very own but aren’t sure you can afford one? It may be possible to buy a second home with no or low down paymen...
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6-minute read
What is a physician mortgage loan?
No-to-low down payment physician mortgage loans are targeted at doctors–but are they right for you? Learn how to decide, and explore your other loan op...
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1-minute read
What is Rocket.com?
Rocket.com creates a seamless experience to find, buy and manage your home in an easy-to-use, AI-driven platform, simplifying your homeownership journey.
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8-minute read
How bankruptcy affects your mortgage: A guide
Wondering how bankruptcy affects a mortgage? Learn what happens to a mortgage if you file for bankruptcy and what it could mean for future home loans.
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