Find the purchase solution for you
Answer a few questions to get a custom match based on your goals.
Finding your purchase power
Match made!
Have you owned a home in the past 3 years?
If you haven’t, you’re considered a first-time buyer and may have access to special offers.
Even if you’re not a first-time buyer, we’ll match you with potential savings.
Are you interested in low down payment options?
While a 20% down payment is standard, we offer options with just 1% - 3.5% down if you qualify.
Putting less down could free up cash for movers and new furniture.
Would you rather get a lower monthly payment or save on interest over time?
Different mortgage terms could pave the way for significant savings over the course of the loan.
This preference may change over time, and that’s okay! You can always refinance later.
Are you a veteran or active member of the military?
If you’re eligible for VA loan benefits, we could recommend options to maximize your savings.
Answer yes if your spouse is VA eligible and plans to be a co-borrower on the loan.
Any last details to share?
Please select all that currently apply to you.
ONE+ by Rocket Mortgage®
This option's a strong fit for your goals with only 1% down.
Why it works for you
The basics
- 30-year fixed mortgage
- You put down as little as 1%
- Rocket Mortgage covers 2%
Key benefits
- Less cash needed upfront
- Predictable monthly payments
- Conventional loan flexibility
What’s required
- Must be primary residence
- Income limits apply
- FICO score of 620+
30-year fixed
This option's a strong fit for your goals and comes with lower payments.
Why it works for you
The basics
- As little as 3% down
- Predictable monthly payments
- Fixed rate for 30 years
Key benefits
- Lower monthly payments
- Less upfront costs
- Rate stays the same
What’s required
- 30-year payoff timeline
- PMI if less than 20% down
- FICO score of 620+
15-year fixed
This option's a strong fit for your goals and saves on interest.
Why it works for you
The basics
- Fixed rate for 15 years
- Predictable monthly payments
- Faster payoff timeline
Key benefits
- Build equity faster
- Less interest, more savings
- Flexible early payoff
What’s required
- Higher monthly payments
- FICO score of 620+
- PMI if less than 20% down
FHA loan
This option's a strong fit for your goals with flexible requirements.
Why it works for you
The basics
- As little as 3.5% down
- Government-backed financing
- Predictable monthly payments
Key benefits
- Flexible credit requirements
- Less upfront costs
- Great for first-time buyers
What’s required
- Must be primary residence
- Mortgage insurance needed
- Meets FHA property standards
VA loan
This option's a strong fit for your goals and maximizes VA benefits.
Why it works for you
The basics
- Designed for eligible military
- Access to special savings
- Streamlined process
Key benefits
- 0% down available
- More favorable rates
- No mortgage insurance
What’s required
- Certificate of Eligibility
- Meets VA property standards
- Funding fee may apply
Change my answers
First time home buyer?
Low down payment options?
Lower monthly payment?
Military?
Investment
Selling
$800,000+ loan
Self-employed
Every option in perspective
Explore mortgage options designed for your timeline and budget, including fixed-rate and adjustable-rate mortgages.
ONE+ by Rocket Mortgage®
Rethink the rules. Buy with just 1% down.
Best for
Minimizing upfront costs
Down payment
As low as 1% from you
Credit score
620+
Key benefits:
- Rocket Mortgage covers an additional 2% down
- Keeps more cash in your pocket
- Fixed rate and predictable payments
Why this works for you
Rocket Mortgage covers an additional 2% down Keeps more cash in your pocket Fixed rate and predictable payments
30-year fixed
A classic solution with lower and predictable payments.
Best for
Lower and predictable payments
Down payment
As low as 3%
Credit score
620+
Key benefits:
- Flexible down payment options
- Lower monthly payments
- Fixed rate that won’t change
Why this works for you
Flexible down payment options Lower monthly payments Fixed rate that won’t change
15-year fixed
Pay off your home faster and save on interest over time.
Best for
Saving on interest and early payoff
Down payment
As low as 5%
Credit score
620+
Key benefits:
- Bigger savings over time
- Build equity faster
- Own your home sooner
Why this works for you
Bigger savings over time Build equity faster Own your home sooner
FHA loan
A home loan with less down and more flexibility.
Best for
Qualifying with greater flexibility
Down payment
As low as 3.5%
Credit score
580+
Key benefits:
- Flexible credit requirements
- Lower upfront costs
- Predictable monthly payments
Why this works for you
Flexible credit requirements Lower upfront costs Predictable monthly payments
VA loan
A loan with special benefits for qualifying military and spouses.
Best for
Buyers with VA eligibility
Down payment
As low as 0%
Credit score
580+
Key benefits:
- Flexible requirements
- 0% down available
- More favorable rates
Why this works for you
Flexible requirements 0% down available More favorable rates
Jumbo Smart
A loan with more borrowing power for higher-priced homes.
Best for
Homes priced 800k+
Down payment
As low as 10%
Credit score
680+
Key benefits:
- Finance above typical limits
- Skip the mortgage insurance
- Fixed and adjustable-rate options
Adjustable-rate mortgage
Lower rate to start. Adjusts over time.
Best for
Getting into a lower rate now
Down payment
As low as 5%
Credit score
620+
Key benefits:
- Save more money at onset
- Choose your fixed rate period
- Useful for certain goals
HomeReady® and Home Possible®
More accessible home ownership with less down.
Best for
Income-qualified buyers
Down payment
As low as 3%
Credit score
620+
Key benefits:
- More flexible requirements
- Lower mortgage insurance costs
- Down payments start at just 3%
Non-QM loan
A mortgage built for the way you earn.
Best for
Self-employed or variable income
Down payment
Typically 10-20%
Credit score
Requirement varies
Key benefits:
- Use alternative income documentation
- Get credit for your actual cash flow
- More lending flexibility
Bridge loan
Get into your next home before your current one sells.
Best for
Buying before you sell
Down payment
Uses your home’s equity
Credit score
720+
Key benefits:
- No waiting on a sale to close
- Move on a flexible timeline
- Buy with confidence, not pressure
DSCR loan
Use rental income to qualify for an investment property.
Best for
Real estate investors
Down payment
Typically 20%
Credit score
650+
Key benefits:
- Rental income can help you qualify
- Less reliance on personal income
- Built to grow a rental portfolio
