Home buying process photo, left
Home buying process photo, right

Steps toward your new home

See how the mortgage journey unfolds from exploring your best options to keys in hand.

Home buying process photo, left
Home buying process photo, right
Overview
Compare
Calendar illustration

Purchase timeline

This example shows a typical experience for a digital home purchase.
Timelines may vary.

Step 1
Step 2
Step 3
Step 4
Step 5
Step 6

Unlock your buying power with an online preapproval that won’t impact your credit.

What to expect

Answer a few questions about your income, assets, and desired location.

Browse listings, tour properties, and make winning moves when you find the one.

What to expect
Compare homes in budget. When you’re ready to make an offer, strengthen your position with a Verified Approval1.

Legal disclosure

1 Participation in the Verified Approval program is based on an underwriter’s comprehensive analysis of your credit, income, employment status, assets and debt. If new information materially changes the underwriting decision resulting in a denial of your credit request, if the loan fails to close for a reason outside of Rocket Mortgage’s control, including, but not limited to satisfactory insurance, appraisal and title report/search, or if you no longer want to proceed with the loan, your participation in the program will be discontinued. If your eligibility in the program does not change and your mortgage loan does not close due to a Rocket Mortgage error, you will receive the $1,000. This offer does not apply to new purchase loans submitted to Rocket Mortgage through a mortgage broker. Rocket Mortgage reserves the right to cancel this offer at any time. Acceptance of this offer constitutes the acceptance of these terms and conditions, which are subject to change at the sole discretion of Rocket Mortgage. Additional conditions or exclusions may apply.

An offer’s accepted – congrats! Time to lock a rate and review the mortgage terms.

What to expect

The home’s now listed as pending. Next, you’ll complete inspections and any negotiations before underwriting.

We’ll verify your financial details, support the loan, and order an independent appraisal to confirm the home meets lending standards.

What to expect

We may ask for a few more documents to validate things like income history.

You’re given the green light and are now clear to close. We’ll go over your final disclosure and anything you might need on closing day.

What to expect

On closing day you’ll sign final documents, pay any closing costs, and officially make the home yours.

It’s closing day. Time to sign on the dotted line and celebrate with new keys.

What to expect

Bring any requested identification and payment. Our closing team handles the details, so you can enjoy the moment.

Step 1

Get preapproved in as little as 10 minutes

Unlock your buying power with an online preapproval that won’t impact your credit.

What to expect

Answer a few questions about your income, assets, and desired location.

Step 2

Shop with confidence

Browse listings, tour properties, and make winning moves when you find the one.

What to expect
Compare homes in budget. When you’re ready to make an offer, strengthen your position with a Verified Approval1.

Legal disclosure

1 Participation in the Verified Approval program is based on an underwriter’s comprehensive analysis of your credit, income, employment status, assets and debt. If new information materially changes the underwriting decision resulting in a denial of your credit request, if the loan fails to close for a reason outside of Rocket Mortgage’s control, including, but not limited to satisfactory insurance, appraisal and title report/search, or if you no longer want to proceed with the loan, your participation in the program will be discontinued. If your eligibility in the program does not change and your mortgage loan does not close due to a Rocket Mortgage error, you will receive the $1,000. This offer does not apply to new purchase loans submitted to Rocket Mortgage through a mortgage broker. Rocket Mortgage reserves the right to cancel this offer at any time. Acceptance of this offer constitutes the acceptance of these terms and conditions, which are subject to change at the sole discretion of Rocket Mortgage. Additional conditions or exclusions may apply.

Step 3

Secure the home

An offer’s accepted – congrats! Time to lock a rate and review the mortgage terms.

What to expect

The home’s now listed as pending. Next, you’ll complete inspections and any negotiations before underwriting.

Step 4

Move through underwriting

We’ll verify your financial details, support the loan, and order an independent appraisal to confirm the home meets lending standards.

What to expect

We may ask for a few more documents to validate things like income history.

Step 5

Prepare to close

You’re given the green light and are now clear to close. We’ll go over your final disclosure and anything you might need on closing day.

What to expect

On closing day you’ll sign final documents, pay any closing costs, and officially make the home yours.

Step 6

Welcome home

It’s closing day. Time to sign on the dotted line and celebrate with new keys.

What to expect

Bring any requested identification and payment. Our closing team handles the details, so you can enjoy the moment.

Featured solution

FHA loan

A mortgage option with flexible requirements and less money down.

Featured solution

ONE+® by Rocket Mortgage

Rethink the rules. Buy with only 1% down.

Featured solution

30-year fixed

A home loan with a predictable rate and lower monthly payments.

Featured solution

VA purchase loan

Make the most of your military benefits and save.

Couple hugging outside a home.Couple hugging outside a home.

“The process of getting an FHA loan was very quick. Everyone was helpful. So glad I went with Rocket Mortgage.”

- Christina D.

Couple sitting together on front steps.Couple sitting together on front steps.

“I bought a condo using Rocket Mortgage's One plus program. RM communicated with me every step of the way...and answered all my questions.”

- Anonymous

Family standing together in the doorway of a home.Family standing together in the doorway of a home.

“This was our fourth home purchase, and it was the easiest mortgage process we’ve experienced. Everyone explained things clearly, so there were no surprises.”

- John W.

A smiling woman sitting on the snowy front steps of her home beneath an American flagA smiling woman sitting on the snowy front steps of her home beneath an American flag

“The genuine kindness and willingness to help... Great to perfect customer service... I appreciate what I would call the white glove treatment. Well versed in VA...”

- Cheryl Mills USN Veteran

Explore purchase options tailored for you

Take a look at what’s available, compare details, and choose the next step that feels right for you.

Home buying process banner

Ready to find the home that fits?

Important legal disclosures

1Participation in the Verified Approval program is based on an underwriter’s comprehensive analysis of your credit, income, employment status, assets and debt. If new information materially changes the underwriting decision resulting in a denial of your credit request, if the loan fails to close for a reason outside of Rocket Mortgage’s control, including, but not limited to satisfactory insurance, appraisal and title report/search, or if you no longer want to proceed with the loan, your participation in the program will be discontinued. If your eligibility in the program does not change and your mortgage loan does not close due to a Rocket Mortgage error, you will receive the $1,000. This offer does not apply to new purchase loans submitted to Rocket Mortgage through a mortgage broker. Rocket Mortgage reserves the right to cancel this offer at any time. Acceptance of this offer constitutes the acceptance of these terms and conditions, which are subject to change at the sole discretion of Rocket Mortgage. Additional conditions or exclusions may apply.

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

Rocket Mortgage is a trademark of Rocket Mortgage, LLC or its affiliates.