Rocket Mortgage® is the home loan experience designed for you.
Save when you buy a home now and refinance later.
- Buy a home today and we’ll cover 1% of your interest rate for the first year with Inflation Buster*.
- If rates drop within 3 years of your home purchase, Rate Drop Advantage‡ can help you get exclusive savings when you refinance to that new, lower rate.
Lock Today’s Rate For 90 Days With RateShield®
Our process puts you in control.
Apply OnlineOur streamlined application syncs with your bank to get you accurate numbers, fast.
Get ApprovedSee how much you’re approved for, then shop for homes or move forward with your refinance.
Close Your LoanUse your to-do list to verify the details and get to closing fast.
Manage Your MortgageMake payments online and put your mortgage to work for you.
Learn from our experience.
The Complete Guide To Closing Costs
Closing costs are expenses you pay to your lender in exchange for loan services. We’ll give you an overview of everything you need to know about closing costs before you finalize your loan.
How To Get A Mortgage: A Step-By-Step Guide
Knowing how to get a mortgage can help you stay organized during the home buying process. Learn how to navigate the process of getting a mortgage, step by step.
Mortgage Origination Fee: The Inside Scoop
Ready to apply for a mortgage and wondering if you should pay an origination fee? Find out how this common charge can actually save you money in the long run.
Your mortgage approval starts here.
Answer some questions to see what you could be approved for. Get started now - no commitment needed.
From Experiencing Homelessness To Being Home
Connect with a mortgage broker in your community.
We pioneered online mortgage lending. And it keeps getting better.
Our clients are some of the happiest in the industry.⁵ Here’s what they’re saying.
Very efficient process. Easiest financing experience I’ve had.William M.
Everything was fast and flawless! When I had questions, I never had to wait long for an answer.Nathan L.
I really like the app and how easy it was to get the documents you needed to you so quickly.Rebecca C.
Closing was quick and easy.Karen D.
Expert advice is at your fingertips.
HOME LOAN EXPERT
"My mission is to help first-time home buyers get into a home they love and can afford."
Get mortgage guidance close to home.
Get started now on your financial goals.
Provide some basic information and we'll match you with a loan option and mortgage rate that meet your needs.
*If client locks their initial rate on a purchase loan between 9/15/22 and 12/31/22 client’s loan is eligible for the promotional Inflation Buster offer. The promotional offer will effectively reduce the rate by 1% for the first year of the mortgage; a custodial escrow account will be funded by the lender-paid credit, up to a maximum amount of $9,708, and funds will be dispersed from the escrow account to the investor to account for the difference in interest during buydown period. Offer valid on primary residences, and on second homes through Fannie Mae and Freddie Mac. Offer not valid on Refinance loans, third-party mortgage broker, the Partnerships channel (Schwab, Santander, Morgan Stanley, HLBP, RPO, etc.), Franchise Bankers, Schwab C- products, Rocket 360, Team Member Loans and TM Referrals, non-agency Jumbo Loans, Interest Only, 2nd lien products, ARM products, investment properties, VA 2nd homes, Prospect credit triggers. Additionally, cannot be combined with PowerPack or ANY other promotion. Offer valid on fixed-rate conventional conforming and government loans in retail channels. Offer may not be redeemed for cash or credit and is nontransferable. Offer cannot be retroactively applied to any loans and may not be used with any other discounts or promotions. This offer is subject to changes or cancellation at any time at the sole discretion of Rocket Mortgage. Additional restrictions/conditions may apply. This is not a commitment to lend and is contingent on qualification per full underwriting guidelines.
‡Client must lock rate on purchase loan between 7/19/22 and 12/31/22. Refinance offer must be claimed by locking initial rate between 120 days and 36 months from purchase closing date. Refinance loan must be on the same subject property as the original purchase loan. Rocket Mortgage will cover the following fees as a lender paid credit: first appraisal fees, credit report, tax certification, mortgage recording fee, flood certification and life of loan, notary fees in Pennsylvania and New York, and if a conventional loan, processing and underwriting fees.
All offers may not be redeemed for cash or credit and is nontransferable. Offers cannot be retroactively applied to any previously closed loans or loans already in process. These two offers may be combined but offers may not be used with any other discounts or promotions. Offers are subject to changes or cancellation at any time at the sole discretion of Rocket Mortgage. Additional restrictions/conditions may apply. This is not a commitment to lend and is contingent on qualification per full underwriting guidelines. Offer valid on conventional conforming and government loans in our retail channels.
Refinancing may cause finance charges to be higher over the life of the loan.
Rocket Mortgage, LLC; NMLS #3030; www.NMLSConsumerAccess.org. Equal Housing Lender. Licensed in 50 states. AL License No. MC 20979, Control No. 100152352. AR, TX: 1050 Woodward Ave., Detroit, MI 48226-1906, (888) 474-0404; AZ: 1 N. Central Ave., Ste. 2000, Phoenix, AZ 85004, Mortgage Banker License #BK-0902939; CA: Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act; CO: Regulated by the Division of Real Estate; GA: Residential Mortgage Licensee #11704; IL: Residential Mortgage Licensee #4127 – Dept. of Financial and Professional Regulation; KS: Licensed Mortgage Company MC.0025309; MA: Mortgage Lender License #ML 3030; ME: Supervised Lender License; MN: Not an offer for a rate lock agreement; MS: Licensed by the MS Dept. of Banking and Consumer Finance; NH: Licensed by the NH Banking Dept., #6743MB; NV: License #626; NJ: New Jersey – Rocket Mortgage, LLC, 1050 Woodward Ave., Detroit, MI 48226, (888) 474-0404, Licensed by the N.J. Department of Banking and Insurance.; NY: Rocket Mortgage, LLC, 1050 Woodward Ave., Detroit, MI 48226 Licensed Mortgage Banker-NYS Department of Financial Services; OH: MB 850076; OR: License #ML-1387; PA: Licensed by the Dept. of Banking – License #21430; RI: Licensed Lender; WA: Consumer Loan Company License CL-3030. Conditions may apply.
†RateShield Approval is a Verified Approval with an interest rate lock for up to 90 days. If rates increase, your rate will stay the same for 90 days. If rates decrease, you will be able to lower your rate one time within 90 days. Please contact your Home Loan Expert for additional information. This offer is only valid on 30-year FHA, VA, and Conventional purchase loan products. Additional conditions and exclusions may apply. 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. This offer is not valid for self-employed clients. 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.
3Based on Rocket Homes® closed client surveys received from 2011-2020.
4As of February 2022.
5Based on a Rocket Mortgage market research questionnaire of clients whose loans closed in 2020.