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Rocket Mortgage leverages the power of a Rocket Account. You can sign in if you already have an account. If you don’t have an account, you can start an application for purchasing a home, or start an application to refinance.
Rocket Mortgage® is an online mortgage experience and America’s largest mortgage lender1.
Rocket Mortgage® isn’t a calculator; it’s a way to get a mortgage. Just tell us about yourself, your home and your finances, and we’ll give you real interest rates and numbers – not just our best guess.
Then, Rocket Mortgage® will guide you through the mortgage process, from getting approved to closing to managing your payments. That expert guidance is a big reason why we’ve won so many awards for customer satisfaction.
Rocket Mortgage® lets you work at your own pace, while providing award-winning customer service and expert advice. It lets you apply online, anytime, at your convenience – which means it’s there when you need a fast approval to buy a house or a way to lock your rate when rates drop.
If you’re buying a home, here’s when we recommend using Rocket Mortgage®:
- You’re just starting your home search.
- You have a home in mind and want to make an offer.
- You already have a signed purchase agreement.
If you’re refinancing, here’s when you can use Rocket Mortgage®:
- You need to get cash out of your home.
- You want to lower your monthly payment.
- You’re interested in shortening your loan term.
You can use Rocket Mortgage® to get a loan in all 50 states and the District of Columbia. At this time, you can’t use Rocket Mortgage® to get a loan in Puerto Rico or anywhere outside the U.S.
Rocket Mortgage® is an online lender. Because we’re online, we don’t have offices that are open to the public. That doesn’t mean there aren’t real people waiting to help you, though!
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Rocket Mortgage® was designed to walk you through the entire mortgage process from application to closing. Our online application asks you a series of questions to evaluate your eligibility for a home loan. Then, we use the information you gave us, and information from your credit report, to provide you with mortgage recommendations and see if we can approve you.
Once you’re approved, Rocket Mortgage® will provide all the tools you need to get your mortgage to closing. You can use it to communicate with us, send information and documents, and see your loan info and closing details.
After closing, if Rocket Mortgage® services your loan, here’s how you can use Rocket Mortgage®:
- Make payments.
- See past transactions.
- Review mortgage documents.
- Enroll in paperless statements.
- Access your tax and insurance information.
- See escrow changes.
Rocket Mortgage® recommends loans you may be eligible for based on the information you provide.
When you use Rocket Mortgage® to buy a home, you may see mortgage recommendations for:
- Conventional loans
- FHA loans (including FHA Streamlines)
- VA loans (including Interest Rate Reduction Refinance loans)
- Jumbo loans
You can’t use Rocket Mortgage® to get a construction loan (i.e., a loan used to build a new home) or a home equity line of credit (HELOC). But you can use Rocket Mortgage® to get a cash-out refinance, which gives you money you can put toward the same things as a HELOC, like paying down debt.
Rocket Mortgage® is best for people who have a credit score of 580 or above and are ready to buy a home or refinance within the next few months. Check your credit score through our sister company, Rocket Homes®.
If you already have a signed purchase agreement, apply online to get started. Afterwards, one of our Home Loan Experts will give you a call so we can speed up your mortgage process.
If you’re self-employed, you can start your application with Rocket Mortgage®, but you won’t be able to do everything online. We’ll connect you with a Home Loan Expert along the way.
If you think you’ll need a co-signer to get a mortgage, we recommend calling or chatting with a Home Loan Expert before applying online.
To start applying with Rocket Mortgage®, we recommend you have the following information on hand:
- A separate email address for each person that will be on the loan
- Your online banking username and password, or details about how much money is in each account you want us to consider for your approval (e.g., checking and savings accounts, retirement accounts, stocks and other assets)
- Your income and employer information
- Your Social Security number
You can get approved with a credit score as low as 580, as long as you meet our other eligibility criteria. Check your credit score through our sister company, Rocket Homes®.
Keep in mind that the score we use might be slightly different from the one you get from your credit card company or other source. We use a FICO® Score, but educational sources might use a different credit scoring model, such as a VantageScore.
We still encourage you to apply even if you think your score is slightly below 580. Our free Fresh Start program can help you boost your credit – just call (800) 769-6133.
