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Rocket Mortgage Review

Find a simple mortgage that works for you

Reviews 4,196

This site is a free online resource that strives to offer helpful content and comparison features to our visitors. We accept advertising compensation from companies that appear on the site, which impacts the location and order in which brands (and/or their products) are presented, and also impacts the score that is assigned to it. Company listings on this page DO NOT imply endorsement. We do not feature all providers on the market. Except as expressly set forth in our Terms of Use, all representations and warranties regarding the information presented on this page are disclaimed. The information, including pricing, which appears on this site is subject to change at any time.

Sarah Pritzker
Sarah Pritzker
Jul. 15, 20214 min read

Rocket Mortgage summary

Rocket Mortgage is an online lender with a user experience designed to save time and make mortgages easy, with many options.

Pros

  • Plenty of loan options available
  • Fast advanced platform
  • Real time rate updates

Cons

  • The many options can be overwhelming
  • Rates and terms information only available once you register
  • Extensive financial information needs to be imported
Rocket Mortgageat a glance
4.4

Editorial score

Customer Service and Support

Award winning customer service

5.0

Variety of Loan Types

Purchase, Refinance, VA, FHA mortgages, traditional fixed rate

4.0

Variety of Products

15- or 30-year fixed-rate, 5- or 7-year ARM variable rate

4.0

Online Experience

Wide range of educational resources

4.0

Geographical Availability

Available in all 50 states

5.0

Rocket Mortgage at a Glance

 Loan Types

Mortgages and refinancing

 Featured Loans

VA, FHA mortgages, traditional fixed rate

 Repayment Terms   

15- or 30-year fixed-rate, 5- or 7-year ARM variable rate

 Down Payment

0% for some loans

 Credit Score

620+ for some loans

 Suitable For

Borrowers looking to do everything online and on mobile

Direct Lender or Marketplace
Direct lender

Rocket Mortgage Rocket Mortgage Visit Rocket Mortgage

Overview

Rocket Mortgage is fully designed for digital natives with an advanced and smooth loan platform that keeps the entire process online and on smartphones. There are plenty of mortgage options and rates are constantly updated to keep borrowers on top of the details. The site design and apps are sleek and easy to use with excellent customer service and automation to speed up the loan process.

  • Detailed and personalized loan rates information

  • Fast platform constantly updated in real time

  • Government-backed loans for veterans, first-time buyers, and borrowers with small down payments

  • 5- or 7-year ARM and 15- or 30-year fixed-rate mortgages

Rocket Mortgage Review

Who Is Rocket Mortgage Suitable For?

Rocket Mortgage is run entirely online with all of the information provided on the website or mobile apps, making it suited to digital natives who are used to running all aspects of their lives from their mobile phones. The many mortgage options make it suitable for borrowers with small down payments and lower credit scores. Users who prefer flexibility will prefer the variable ARM mortgage while the traditional fixed-rate mortgages provide reliability and certainty for anyone who likes to plan their budget in advance.

Loan Features

Rocket Mortgage has a variety of loan features.

  • VA loans: Veterans are served with government-backed VA loans which aren’t always available from online lenders

  • FHA loans: First-time buyers with a low credit score or less cash for a down payment can get financing to purchase a home or refinance for any purpose. Rocket Mortgage’s FHA loans require a down payment as low as 3%

  • Easy online format: Rocket Mortgage’s straightforward layout helps borrowers to easily compare down payments, APR rates, and total monthly payments on different financing options. You can also adjust your down payment online to see what impact it will have on your final monthly payments

  • Simple comparison: Easily compare the mortgage loan options

The Application Process

When applying for a loan via Rocket Mortgage:

  • Create an account which takes about 5 seconds.

  • Complete the guided online questionnaire. It’s very simple and straightforward with support along the way, and will include your financial and personal information

  • Get your quotes. You can customize them by adjusting your down payment, monthly payments, or loan term until you’re happy with the funding option before you.

  • Click the button to request approval online.

  • Come back and log in again the next day or every day for as long as you’d like to check on the changing rates, then only click the button to lock in rates once you’re happy.

  • E-sign all of the relevant paperwork online and closing can happen where and when you want it.

Rocket Mortgage Review

Deep Dive into Pros and Cons

The platform for Rocket Mortgage is advanced. Both the apps and the website are easy to use and smooth to navigate from every device. It’s possible though that anyone who isn’t fully comfortable making major financial decisions online will feel nervous about this entirely digital platform. Rocket Mortgage offers a full range of mortgage, refinancing, and home equity loan options that include government-backed loans, rivaling that of a traditional bank. Thanks to real-time rate updates, new borrowers can stay in control of their financing options by logging on as often as they want to check for the newest rates before locking in the right deal.

That said, the number of loan options can be overwhelming. It’s not really possible to browse loan terms and rates without creating an account and inputting your full financial information, making it difficult for the casual browser to compare loan options. If you’re serious about taking out a mortgage, it’s worth it to go to this trouble. However, anyone who just wants more information about their options is likely to shrink away from having to share details just to get better loan rate information.

Loan Terms – The Bare Basics 

It’s difficult to share exact terms of Rocket Mortgage loans and mortgages because APR rate information can only be accessed by sharing all of your financial details and getting a personalized quote. You also can’t find out how much of a down payment you need to make without going through the entire application process, although Rocket Mortgage does offer FHA loans which require a down payment of as low as 3%.

Rocket Mortgage does reveal that terms range from 8 to 30 with the YOURgage loan and that variable rate mortgages have terms of 5 or 7 years. Rocket Mortgage only gives loans for owner-occupied homes, not for investment properties. Fortunately, Rocket Mortgage uses advanced automated tools to make it faster and easier to import your full financial information.

Repayment Terms

Rocket Mortgage offers traditional fixed-rate mortgages of 15- or 30- year terms. The variable ARM loans have terms of either 5 or 7 years. Somewhere in between, in terms of both repayment period and the level of flexibility, are the unique YOURgage mortgage loans, which allow the borrower to choose any term between 8 and 30 years and lock in to a fixed-rate mortgage.

APR rates aren’t available until you complete a full application.

Help & Support

Rocket Mortgage gives support, particularly through the live chat, which is accessible at the touch of a button from the mobile apps and the website.

Live chat isn’t quite round-the-clock but it is open from 7am to midnight ET on weekdays and 9am to midnight on weekends. There’s also telephone support for more traditional borrowers from 9am to midnight on weekdays, 9am to 8pm on Saturdays, and 9am to 7pm on Sundays. 

Summary

Rocket Mortgage is a fast and digitally advanced mortgage loan provider that offers a range of refinancing and mortgage options including VA and FHA loans which can be hard to find online. The application process is entirely online and speeded up thanks to advanced automated tools. Between a functional website and effective mobile apps, Rocket Mortgage makes it easy to keep coming back and checking up on real time APR rates until you find the exact deal you want. Fast application times and responsive customer service add to the attraction of this loan provider.

Physical Address

Quicken Loans 

1050 Woodward Avenue

Detroit, MI 48226-1906

USA

Rocket Mortgage Rocket Mortgage Visit Rocket Mortgage

Sarah Pritzker
Written bySarah Pritzker

Sarah Pritzker is a content writer with years of experience and a keen interest in the vast world of online consumer products. She enjoys helping readers make sense of the options on the market.

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  • author
    John Snyder
    2 days ago
    Rocket Mortgage was the perfect choice

    Rocket Mortgage was a truly simple and extremely quick process. They made themselves available whenever we needed them. I highly recommend using Rocket Mortgage over any competitor.

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  • author
    Kari Conrad
    Jan 01, 1970
    Competent and professional

    Everyone with whom we encountered was focused on our situation and advancing our goal: purchasing a particular house.

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  • author
    Samantha
    Jan 01, 1970
    Reps were courteous

    Reps were courteous, professional, and friendly.

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  • author
    Train Track
    Jan 01, 1970
    Amrit was very helpful throughout the…

    Amrit was very helpful throughout the refinancing process. Appreciate her time with making this transition successful.

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  • author
    Dustin Shirley
    Jan 01, 1970
    Was shopping around online for rates to…

    Was shopping around online for rates to refinance my home. Rocket Mortgage started calling, texting and emailing me. I opted out of all communication and yet they still contacted me multiple times a day. This is a form of harassment and I have now taken legal action against Rocket Mortgage.

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  • author
    brent morgan
    4 days ago
    It was a little ruff selling and buying…

    It was a little ruff selling and buying at the same time but you guys made it work

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  • author
    sam Girgis
    Sep 28, 2022
    The extremely frustrating lender company and…

    The extremely frustrating company and finally you get nothing. this is a true example of the poison hidden in the honey. The agent gives kind sweet words and in the end, he is sorry we have been denied. Please don't waste your time and your efforts with such a company. We applied for a home loan four months ago, then we got preapproved. The letter of denial was filled with inaccurate information. The percentage rate was higher than any other lender. No incentive at all towards closing. Nothing appealing at all let anyone apply for a mortgage from this company. Keep away to save yourself a headache, frustration and moreover waste of time

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  • author
    Christopher
    Jan 01, 1970
    Excellent communication throughout the…

    Excellent communication throughout the process, everything was made very straight forward and simple, everything was explained to us very well.

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  • author
    LiANN Li
    Sep 27, 2022
    This company enacted a very horrible…

    This company enacted a very horrible collection tactic. We applied for a program to help catch up with our payments. This is called the infamous application for success. This company had no intentions of working out a payment because what they kept doing was deplorable. As they requested, we completed the application and sent all docs that were ask of us. However, this company repeatedly stated they didn't receive something, next, something was not marked, or something was missing, or a question was not answered, all the while buying time so that they could send us to their attorneys to initiate foreclosure procedures. A letter was received stating that since we're not interested in receiving help or did not forward necessary documents, they were closing this application and will continue foreclosure procedures. I sent this information to several agencies.

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  • author
    Danielle Lessard
    Jan 01, 1970
    Worst experience buying a home

    Worst experience buying a home. My file was switched between three mortgage bankers and all gave me completely different stories and rates. Prices changed weekly all the way to closing. The bankers did not know what they were doing and each time my file was moved I had to explain to them what was going on with my file the last I knew. I had to provide them with everything but a dna sample. One day everything was good and the next they couldn't do the deal. I was on pins and needles for over 45 days. I will never ever use this company again and I dont recommend anyone else use them either.

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  • author
    Sharon Mccoy
    Sep 26, 2022
    Ready to start construction on my house…

    Ready to start construction on my house to sell for a lot. My dad died suddenly, wiped out my $$. Rocket called Me, 3x on a Sunday. Explained everything bout construction etc. Then this appraiser comes, acted disgusted and that I was stupid to expect help. Rocket only wants to help people with money who don't want to spend their own. Not us lower class democrats who just need a bit of help to get ahead instead of living paycheck to paycheck. I uploaded docs for days, don't waste time with Rocket. Lies Get a stupid reply below. Call the number, no response. They only give loans to rich people

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  • author
    J.Red
    Jan 01, 1970
    DO NOT WASTE YOUR TIME WITH ROCKET MORTAGE

    We live in America where companies and products thrive off of positive reviews and support. I am unsure how ROCKET Mort, is currently in business with their personal practice of Redlining which can be defined as a discriminatory practice that consists of the systematic denial of services such as mortgages, insurance loans, and other financial services to residents of certain areas, based on their race or ethnicity. My husband applied for A Mortage rate with this company in February of 2022. He was approved for a loan amount of $194,000 ,once we seen the prices of the houses in the area we were interested in we reapplied for a second amount with both of us on the application, me as a cosigner( May 2022) We found our dream home in June 4, and our settlement date would of been July 8 2022. Rocket mortage gave use dates but things with them did not feel right. Once my husband and I found the house we liked we put an offer on it. During that time our lender from Rocket Mortage STEPHEN LABOWSKI FROM OHIO would call my husband daily for just a chit chat, the conversation was never about the documents we would need in the future or the upcoming steps. We were not fully approved for any kind of loan through ROCKET MORTGAGE, it was like a scam. All of our information was on the website for us to view but the loan to purchase the home was never finalized. The underwriters at ROCKET never would approve our loan due to discrepancy that we had no idea about. Once my husband had the intutition that ROCKET MORTAGE WAS NOT ON OUR SIDE WE DISMISSED THEM AND REACHED OUT TO WEICHERT who had an amazing finacial lender that converted our application to a convention loan. My credit score is 800 and my husbands credit was in the 600. We both have fulltime jobs and we had our down payment, and our finances were in order. Our profile was IDEAL! NO PERSONAL DEBT, CLEAN CREDIT. BUT THINGS DID NOT WORKOUT WITH ROCKET MORTAGE AND I AM SO HAPPY BECAUSE THIS COMPANY IS NOT MEANT TO HELP MINORITIES! they could not help us. we had to push our settlement date in order to work with anothe lender to get the house we initately put an offer on.

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  • author
    Jennifer Hindman
    Sep 16, 2022
    Super Easy and Quick

    We really enjoyed working with RM. The process was very easy and the people were so nice and forthcoming.

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  • author
    Brett
    Sep 16, 2022
    Can not thank everyone involved with…

    Can not thank everyone involved with our refinance enough. We were so down and was giving up hope being able to breath with all our debt, and Andy reached out to us as a follow-up and said let's just see if we can make it work. Everything went smoothly and just couldn't be happier.

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  • author
    Ken S
    Sep 16, 2022
    Relentless phone calls at 730am after…

    Relentless phone calls at 730am after asking NOT to be called make this a terrible mistake on my end for considering Rocket Mortgage in the first place. Do yourself a favor...Use a local company. These guys are a telemarketing center with the emphasis on marketing. Twice I asked to not call me and the "spam center" agent just talked right over me and connected an agent. NOT AT 730 IN THE MORNING! Poor business practices, lack of listening, and a complete lack of trust make this a company to avoid. Much better service isn't very hard to come by....these guys don't have it.

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  • author
    arun r
    Sep 15, 2022
    I am very much thankful to Rocket…

    I am very much thankful to Rocket mortgage team especially Gabrielle and Tim for making my dreams came true to buy a house in Canada. I got best rates from the market.

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  • author
    Joseph Davis
    Sep 15, 2022
    Accepted an offer on my home 3 months…

    Accepted an offer on my home 3 months ago, inspections and everything else complete, these guys have made no effort to complete the appraisal. Having to pay two mortgages and they don't give a damn.

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  • author
    Team Brown
    Sep 14, 2022
    We have now used Rocket Mortgage twice…

    We have now used Rocket Mortgage twice and each time was a great experience. We dealt with multiple people and each one was professional, friendly, and knowledgeable. Any questions we had were answered in a timely manner. We highly recommend you use Rocket Mortgage for your home purchase and/or refinance.

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  • author
    Jeruhd Jermyoosuh
    Sep 13, 2022
    Jacob Mora

    They don't know simple mathematics, charge $500 upfront for closing costs that aren't even in progress yet, these guys are a bunch of conmen out to get your cash, and the percentages suck. Jacob Mora is the most unprofessional associate to ever work for this company and should be fired.

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  • author
    Michael
    Sep 13, 2022
    Terrible accountability

    Had the same experience as Fred Duncan, they gave me a pre-approval, I made an offer and then they said they made a mistake. Happened a year ago. I missed my bid and stopped working woth them. I ended up with BofA better service and better rates.

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  • author
    Brian Lawrence
    Sep 12, 2022
    Less hassle than expected

    Mostly easy to deal with and quick to answer questions. Closing team needs a lot of work. Had to speak with too many different personnel, that had no idea what was going on from one to the next.

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  • author
    Miranda McConnaughey
    Sep 09, 2022
    From a Mortgage Pro- Awful experience

    Let me preface this by saying that I've worked in the mortgage industry for 5ish years. I have worked on both the title and the lender side as a closer, document reviewer, etc. I was around when the regulations swithed from HUD to CD, and have written several training guides for various companies - I know the regulations and how they can be interpreted. It is 9/9/22 and we have been working on this since the second week of July 2022. I am in the final stages of a cash out refi ( divorce buyout) , hopefully closing soon and this process has been the worst possible excuse for the way customers should be treated. From the very beginning, both my ex husband and I were in contact with 2 different loan officers at Rocket, who we received awful communication. Texts, calls and emails went unanswered for days at a time. This was after they pulled our credit of course and so we wanted to work it out with them. Finally my ex cancelled his application all together, and I should have done the same. Once I confronted my LO about her inattentiveness, she did do a much better job of communicating with me and giving me updates. Moving forward, my loan passed hands quite a few times (obviously- I know this is how it works), however, i'd send several emails and texts to the person that I had last spoken to as my contact, only to find out DAYS later that I needed to speak with someone else. They never reached out and I always had to go track down updates. I run my own business now and told Rocket employees no less that 20 TIMES that I am not to be called - that they need to email me or text me. I can scheduled a call if is needed. They have continued to call me constantly, and then complain to me that I haven't done my part when they aren't communicating in the way that I specified. As we were getting closer to my lock expiring, I was made aware that additional documents would be needed from me - on a thursday, ten days before my lock expired. These are documents that pertained to a transaction made three weeks prior that was overseen by my loan officer. She never requested documentation. I had to make a physical trip to the bank to get statements amid my busy schedule, and when i sent the docs over and requested that UW be expedited, as my lock was about to expire, the customer care specialist told me that, he couldn't promise anything. There was no sense of urgency and there hasn't been throughout this whole ordeal. Irritated, at this point, I requested to speak with his supervisor and he told me that he was the best person to help me, and would not provide me with his superior's information. When we spoke the following Tuesday, he told me that my lock had already expired! So they had to extend it. Rocket enjoys interpreting the regs in their own way. I am now being told that I can't close on the earliest available day (per regulations) becuase it's not the earliest date in their system. I explained that I hadn't made a mortgage payment and that my ex husband's credit would be affected if we didn't close asap, and again - no sense of urgency. To add to this entire mess, they're now telling me that they never were aware that I was using my own notary to close and that that would require special permission - which could take up to 48 hours. The request for that was supposed to be submitted yesterday but I was just told that it may not come back until Monday (it's Friday now), as it has not been submitted yet. Furthermore, when I talk to title about it, it's a game of he said-she said. Rocket says it's up to title and title says its up to Rocket. Ultimately, this company is terrible. I would strongly DISCOURAGE anyone looking for a mortgage from using Rocket. If I didn't have an ex husband up my butt looking for his equity, I'd cancel this whole freaking thing right now.

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  • author
    christine kessler
    Sep 09, 2022
    Very easy

    Very easy! Always well informed every step of the way

    ...

  • author
    Steve Canava’
    Sep 09, 2022
    Belend Isa was a delight to work with

    Belend Isa was a delight to work with! He started the ball rolling on our refinance and we closed quickly! We couldn’t be more happy about the entire process, smooth and seamless, no hiccups!

    ...

  • author
    Fred Duncan
    Sep 08, 2022
    Working with Rocket was an absolute…

    Working with Rocket was an absolute disaster. I gave them every document they asked for, they gave me a pre-approval, then AFTER I made an offer, they said I wouldn’t qualify. Nothing changed during that time. I will never trust using them again.

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  • author
    Randall Kellough
    Sep 08, 2022
    Everything went well

    Everything went well - I have nothing bad to say. the experience was great.

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  • author
    Rick McBroom
    Sep 07, 2022
    Rocket mortgage can’t get off the ground

    I have had several loans with Rocket over the last 15 years. I applied for a loan on a house we are building. It is 90% complete. There are no liens on the property. Rocket had their appraiser come out. It appraised out at over $500,000. We requested a loan of $150,000. We have an excellent credit score and over $100,000 in cash savings. Rocket keeps asking for a confirmation of the address. What the heck are they talking about? They have all this, they have run the title and their appraiser has confirmed. This has been going on for months! I am so aggravated with Rocket. They have really let me down this time.

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  • author
    Colleen Pye
    Sep 06, 2022
    If you are thinking of getting condo…

    If you are thinking of getting condo with this lender.. think again. They say they have a specialized department.. but they clearly do not. The day before we are to close.. we are told the property does not meet thier lending needs. They simply did not look at the paperwork provided to them 3 weeks prior. Delays are bound to happen with any lender.. however, they did not care about the outlying costs of my client. I give everyone a second chance.. I did and my client GOT BURNED. They have OVERLAYS.. and do not tell you that. Those are rules OVER AND ABOVE Freddie and Fannie.. Do not waste your time or money. I am done.. I will never accept a ROCKETMORTGAGE loan again. I care very much about my client.. he very well could have lost $3200 in earnest money.. not to mention his appraisal.. he was out that money.. . Thank you Navy Army Credit Union for picking up the pieces.. and seeing us to the finish line.

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  • author
    Tina Pullum
    Sep 02, 2022
    Everyone was helpful when I had…

    Everyone was helpful when I had questions about the process. The online process was easy except for people that aren’t that tech savvy or don’t have the right equipment. Being able to sign documents online was helpful. And being able to have an in person closing meant all our needs. The only real issue was having to mail the certified checks to the different companies. Since Rocket Mortgage had the account information I wished they would have been able to wire the money to those accounts. It makes me nervous sending large checks in the mail. Maybe that’s something you could work on.

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  • author
    M. Rodriguez
    Sep 02, 2022
    My ex wife has been trying to refinance…

    My ex wife has been trying to refinance the house to remove me from the loan, so I can go and finance my own home. They have been unprofessional (women name Jena) not returning calls or text, hanging up on her, then randomly texting asking for the same information that she has already been giving!? Maybe she is overwhelmed? But they need to get things straight. This is unlike Rocket Mortgage.

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  • author
    Deb Ignaszak
    Sep 01, 2022
    Excellent Service!!! Everything was handled very…

    Everything was handled very professionally. No surprise changes. No glitches. Very smooth from start to finish. All very knowledgeable people to work with!

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  • author
    Awesomeness!
    Sep 01, 2022
    Hell No!

    Hell No!! Don’t Do it!! It has taken more than 45 Days from start to Close(Still Haven’t Closed Yet) and $7,000 in fees$3,300 just for the Title Company Fees Alone) and Various charges!! If I had to do it all over again I wouldn’t use Rocket!

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  • author
    Timilia Johnson
    Aug 31, 2022
    Thank you Malik you made my experience…

    Thank you Malik you made my experience great!!

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  • author
    Noah Guzman
    Aug 31, 2022
    Smooth process from start to finish…

    Smooth process from start to finish making our home buying adventure a easy one.

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  • author
    Hector Calderon
    Aug 31, 2022
    Great experience with Rocket Mortgage

    Great experience with Rocket Mortgage! They made the purchase of our new home a great experience. Great customer service, competitive rates and very professional.

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  • author
    Jordan Shippy
    Aug 30, 2022
    Thieves

    My husband contacted Rocket Mortgage to do a home equity loan. They agreed, took earnest money, ran the credit, etc... once they realized we had a manufactured home (on foundation), they said they couldn't do the loan and kept most of the earnest money. Now I have lost that money and had credit pulled, so I can't try again for a while.

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  • author
    Den
    Aug 30, 2022
    Everyone I spoke with had great…

    Everyone I spoke with had great customer service, they were kind, patient with my questions, and very helpful!

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  • author
    curtis
    Aug 27, 2022
    Great People to work with

    Great People to work with. They will make your loan process so easy you will think your dealing with a realitive. They can fix it where you will not have to leave your home to refinance. We were so blessed to work with ALi Yoni and others to get ours done. The Lady who handle our closing (Tammy Scott) was so helpful in explaining everything to us as well

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  • author
    Marc strollo
    Aug 26, 2022
    Frederick Wilson

    Frederick Wilson, Scott belt,and Michael Smith, went above and beyond to get my clear to close.i made it very difficult for them but they persevered.now lm a property manager of three properties. Thanks to all.

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  • author
    Jocelyn Marie
    Aug 25, 2022
    If I can give no stars I would the…

    If I can give no stars I would the worse company ever. Waste of time energy and space. Folks are not experienced and when an era is made it’s your fault. Would not recommend. High interest rates, so shop around. The worse!!!

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  • author
    Jolynn LaBuguen
    Aug 24, 2022
    Excellent communication and very…

    Excellent communication and very friendly group of people that care and stay in touch. They answered all our silly questions. We couldn't have asked for a better experience!!

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  • author
    Lynete Allen
    Aug 24, 2022
    first time homebuyer!

    We are first time homebuyers.

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  • author
    Mary
    Aug 24, 2022
    Rocket Mortgage's help in a hot real estate market

    I contacted Rocket Mortgage after having an opportunity to purchase our neighbor's home before it even went on the market. In this hot real estate market it made sense to take this opportunity, but we did this purchase with no real estate agent. I could not have done this transaction without the help of Rocket Mortgage. They walked us through the entire process - from the loan approval process to the sale agreement to the appraisal and finally the closing. When things got rocky and we thought the transaction might not happen, due to unforeseen circumstances with the title of the home, Rocket Mortgage was there to assist us. At every step of the transaction they were always available to answer questions and help, or point us towards resources that allowed us to make the right choices on everything from title insurance to the inspection. Thank you to everyone who made this happen for us, we are excited to be moving in soon. Couldn't have done this without your team.

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  • author
    SapperLD Morgan
    Aug 24, 2022
    VA loan Refinance

    I refinanced my VA loan through Rocket Mortage, the process worked quickly and easily as I was able to do most of it on my smartphone, the actual closing took about 20 minutes at my kitchen table. All in all, very easy and painless

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  • author
    Frank Laettner
    Aug 24, 2022
    Rocket and the team Great Job!

    Rocket and the team lead by Nathan Cottrell did a great job explaining, educating and walking us through the process. Awesome team!

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  • author
    Seth Zerbe
    Sep 05, 2022
    The representative that got me into the…

    The representative that got me into the loan misled me about PMI and my ability to get out of it. Had I known at the time what he was saying wasn't true I would have gone with a different loan. Getting PMI removed has been a pain (still not done). Also I authorized a payment (to have an appraisal done to remove PMI) and I was contacted by RM a few days later to tell me something went wrong on their end and they didn't process the payment. I again authorized them to process the payment specifically for the appraisal and I got another call a day or two later telling me that the payment wasn't applied as I had authorized them to. They instead used it for a late fee since my payment (not even a full payment mind you) was processed 1 day late and I still owed them somewhere in the neighborhood of one dollar and 70 cents. (Also something to bear in mind, I specifically asked the first rep about having anything due and was told no... (Also of an interesting note, while this was all going on i got a nice letter and check/refund from RM in the amount of 2 cents. Seems to me they promise alot upfront and fail to deliver on the back end as Im sitting in a loan with almost 40% equity and still paying PMI along with all the other fees they throw at me. To Rocket Mortgage: Thats correct, I did speak with that representative. That being said the issue still remains unresolved. To everyone else reading this as you look into Rocket as potential option to buy/refi your home. Look beyond the 4 out of 5 star averages you see on alot of the controlled sites and A+ BBB rating. Checkout the BBB 2.56/5 on the customer reviews and read a few. Its a far cry from other similar companies like Amerisave (4.09/5) or LoanDepot (4.04/5) especially when you consider they each recieved a very similar number of complaints in the last 3 years.

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  • author
    Joe
    Aug 23, 2022
    They are a good group of people

    They are a good group of people, they try very hard to help and solve your problem, highly recommend them.

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  • author
    Pratap Muratee
    Aug 23, 2022
    Plenty of emails and support when…

    Plenty of emails and support when applying for a loan. Thereafter, impossible to get a live customer support, recording only. All recordings begin with, 'To make apayment ....' I will never go with this company again.

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  • author
    Matt Y
    Aug 23, 2022
    My mortgage specialist Lynn Doyle was…

    My mortgage specialist Lynn Doyle was fantastic! She always responded right away when I had an question, real estate inquiry, really anything I needed! I would like to commend her for such a great job! However, I'm very upset with the underwriters that oversaw my loan approval. They took our approval right down to the closing deadline, and unnecessarily extended the date for closing. I ended up in a hotel for a week because of their error in judgement.

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  • author
    Terissa Williams
    Aug 22, 2022
    Don’t use them! They are harassing!!

    Don’t use them. I got a better rate with a smaller local company. If you decide to apply with this company they will non-stop harass you for months. Take a break even though you tell them you aren’t using their company and are in a lease and then they will start harassing you EVERY SINGLE DAY for MONTHS!!!

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  • author
    Bradley Stine
    Aug 21, 2022
    Monthly Bill jumped $500 . Never paid my taxes

    Taxes in escrow/ autopay , they never pay my taxes and raise my bill $400 a month. Now I get a bill from the county saying I owe $3500 in back taxes to be paid in full by November (it's currently August). Never use this company. I repeat go local or you will loose everything. Run!

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  • author
    Michael
    Sep 02, 2022
    Very bad service

    Very bad service. May impact your credit score carelessly. Not worth the risk doing business with. I ended up closing with BofA who knew the business well, offered much better service and rates.

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  • author
    Amy Slivnik
    Aug 19, 2022
    Horrible experience

    I purchased my home and have refinanced a couple times with Rocket with good experiences. However this last time was the worst. From no communication on a loan that all requirements were seemingly met to someone canceling my loan with no permission, which was looked at by Rocket and was said that through all calls there was no mention of me canceling. There was rude, unprofessional behavior from almost all that were involved and I would never work with Rocket again. Your non-communication is the worst and your app/website give no insight on what issues are and almost nobody will tell you anything. If u do happen to get a response it is different from what you previously were told as if you all don’t have notes in each file. I work in mortgage and could have gone w my company and received discounted fees however since it was always so smooth before I chose to go with Rocket. Big mistake. As soon as the market stabilizes and rates improve we will be taking our business elsewhere. I hope that everyone also reads their response, as it’s a cop out. I’ve spoke to everyone I could and it was all a joke.

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  • author
    Marina Kuchar
    Aug 17, 2022
    They told me I was prequalified on a…

    They told me I was prequalified on a Friday, on Monday they said we were not prequalified, I called another company and was preapproved for a home loan right away and for 50k more than what they approved us for. I immediately contacted them and told them I was no longer interested in there services and am working with a different company. They called me one week after that email, had already pulled my credit (without my approval) then told me I could easily qualify. I told them I had already told them I was not interested in there services and I then received many text messages promising me that they could get me better loan terms than the one I currently have, and they did not even know the loan terms I had with the other company, they then continued to text me harassing me indicating that they were given an OK to pull my credit, which they were not.

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  • author
    Rodney Antoine
    Aug 16, 2022
    Working with Rocket Mortgage was a pleasure and joy.

    Working with Rocket Mortgage was a wonderfully great experience. The process was simple and fast. They keep me informed every step of the way and were always there to answer any questions I may have had. Austin Alva and Blake Pfenninger were outstanding to work with. They made the process easy. I highly recommend and will highly recommend Rocket Mortgage to anyone I know interested in purchasing a home.

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  • author
    Jason Edwards
    Aug 16, 2022
    Worst experience..

    Worst experience... if knew what I know would never gone with them we got royally screwed by these people

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  • author
    The LadyAngler
    Aug 30, 2022
    Terrible reps who don’t listen or make…

    Terrible reps who don’t listen or make call backs! Update 8/29/22 LOL! You can’t find a loan because I don’t have one with you. Duh!! I took my business to a more professional company who did return my phone calls and also provided the world class customer service I deserve.

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  • author
    Cameron Alder
    Aug 15, 2022
    Loved my agent...

    Loved my agent, hate the fact that they have sent me 10 different "HIGH IMPORTANCE" letters of all different shapes and sizes to "call IMMEDIATELY" just to try and sell me on other services. Very shady, very big waste of time, stop sending me mail that looks like bills and makes me want to fvking blow my brains out <3m *8/15/22 update, RM reached out and took me off their mailing list. My review has went from 2 stars to 4.

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  • author
    TM Farrell
    Aug 12, 2022
    Rocket Mortgage talks the talk but…

    Rocket Mortgage talks the talk but doesn't walk the walk. Opened a loan and the sales people were great. But as soon as they got our deposit - poof, gone! Got a hold of the sales guy, and he gave me "no news is good news" cliche. Asked for an update on the process and it was like I didn't even exist. Asked to cancel and for a refund and no reply... Don't use this company!

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  • author
    keith crocker
    Aug 12, 2022
    I have 3 mortgages on 3 properties and…

    I have 3 mortgages on 3 properties and Rocket Mortgage is by far the worst I have ever dealt with. They changed the escrow requirement the day before signing leaving me no time to argue what would be in escrow. They also had me pre-approved and later didn't approve a loan that was easily approved by another lender. They have wasted many hours of my time and are unprofessional. I wouldn't use them if you paid me. Also their rates are not competitive.

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  • author
    Keith Elliott
    Aug 12, 2022
    There is something really corrupt with…

    There is something really corrupt with this company and i do not recommend for anyone

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  • author
    Dennis Riffe
    Aug 11, 2022
    The overall process was wonderful and I…

    The overall process was wonderful and I was amazed at how easy you made it. There was a small issue we ran into after closing that I think could have been handled better, but all in all a positive experience...

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  • author
    Cassidy Kunkle
    Aug 11, 2022
    11/10 recommended

    I am a first time home buyer, and was working with another local bank to process my mortgage. They were really not understanding the urgency of my situation, so I started looking elsewhere. A friend of mine suggested rocket mortgage and I was a little apprehensive at first, but I decided to give it a shot. I got on a chat one night and within hours, my mortgage officer (Angela) had done more than the previous lender did in WEEKS. In one phone call! The entire process from start to finish was a breeze. Every single person that I spoke to throughout the process was kind, professional and proactive. Everything was so simple and easy, the app and website were so helpful with uploading documents, signing, my to do list, etc. Amazing company. Would choose them over and over again!!

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  • author
    Shana Jeffrey Spears
    Aug 11, 2022
    This was the best experience we've had…

    This was the best experience we've had with Rocket Mortgage. We have been working with them for our mortgage needs for quite a few years and they just get better and better.

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  • author
    Thomas Maliwauki
    Aug 10, 2022
    The experience was good

    The experience was good, the help was professional, prompt but sometimes seemed like it was just about getting the deal done.

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  • author
    Anna D.
    Aug 09, 2022
    It was so efficient and easy

    It was so efficient and easy. No stress at all. The gentleman managed the process start to finish and was very helpful. I would recommend Rocket to anyone. I especially like that they also service the loan. Their website is very user-friendly, which actually matters a lot to me.

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  • author
    Elite I Fxngz YT
    Aug 09, 2022
    Rocket mortgage rocks!

    Called then up on the phone because they were great last time. The bank I was with priority one bank in Mississippi, was giving me the run around. By the end of the conversation the guy that helped me was rolling and I was going to have a lower interest rate then with the bank. Rocket mortgage rocks!

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  • author
    Melany
    Aug 08, 2022
    I absolutely love Rocket Mortgage!! The BEST!!

    I absolutely love Rocket Mortgage. They made the process of buying and refinancing super easy to understand and easy to get through. From beginning to the end. Always very informative and easy to understand step by step. I have recommended them to my friends, family and on Facebook!!

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  • author
    Rendrick Smith
    Aug 05, 2022
    Wasted My Time!!

    Wasted My Time!!! I just want to say that my refinance loan process was a joke. I wasted my entire Summer fooling with Rocket Mortgage. Rocket Mortgage told me time after time that they had everything they needed and that we were about to go to closing. After almost 3 months, we never made it to closing because Rocket Mortgage kept saying they needed the same documents over and over. In the end, Rocket Mortgage declined the loan. Why string someone along that long? My credit score was in the 700's and I met all the requirements according to Rocket Mortgage. Unless you have a mortgage with Rocket Mortgage, I would suggest not wasting your time with them. It was a very bad experience.

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  • author
    Missy Rowell
    Aug 04, 2022
    Easy and Fast

    The refinance process with Rocket Mortgage was quick and easy. Doug was informative and accommodating and got us the deal that we were looking for.

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  • author
    Missie G
    Aug 04, 2022
    gave them everything they asked for-YEA RIGHT

    gave them everything they asked for, then it wasnt enough, then they said we had to get married, then we went through 4 different people and they couldnt even get our names right our locations right, they missed EVERY appointment we made and called when we asked them NOT to and then when we told them we were no longer interested in working with them they called and texted everyday for 2 weeks after until we told them they were harrasing us. we needed a pre-qual letter and we lost the house we wanted because of them because what we were doing under their instructions was still not enough. DO NOT WASTE YOUR TIME

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  • author
    Catherine Pedego
    Aug 04, 2022
    Rocket Mortgage Re-Finance is #1

    I've used Rocket Mortgage in the past and have been very satisfied with the ease and speed in which they are able to facilitate a home refinance. I can honestly say they keep upping their game! Jeano Kashat, Presidents Club Mortgage Banker is an expert, making it as simple as possible for clients. Everything is done online with a totally painless and seamless process. I highly recommend Rocket Mortgage for your mortgage home loan or re-finance.

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  • author
    Jim
    Aug 04, 2022
    The worst mortgage company I've had

    The worst mortgage company I've had. In the first year, they have me the run around to remove my pmi. Said I could pay to get to 80%, then told me they don't have to remove it until 78% - that is still pending. Also, they forgot to send home insurance the escrow, even though my dashboard banner said they did. I lost coverage and had to pay the fees to get it back. They're a bunch of clowns!

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  • author
    tracie.snell89
    Aug 04, 2022
    A+++++ service highly recommend

    Michael O'Shea and Monica were phenomenal through the whole mortgage process. They both called me back very quickly, answered all of my questions, and made the whole process go smoothly. I am so glad I did not go somewhere else. I am so appreciative for all their hard work. I will definitely be recommending Rocket Mortgage to others looking to purchase a home. Thank you!

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  • author
    Peter Stackhouse
    Aug 03, 2022
    Had a great experience except that two…

    Had a great experience except that two different times, my person moved to different responsibilities with the company. Consistency through the first part of the process (at least) would have been helpful.

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  • author
    Joanne
    Aug 10, 2022
    MAKING THE NIGHTMARE AND HEARTACHE WORSE!!!!

    UPDATE 10th August 2022. The nightmare continues. After emailing me confirming my details are on my partners documents- they have since denied it and put it down to a “typo”. I’ve asked for a escalation but am told the person who confirmed I was on my partners documents is a senior person. So even the executive employees can’t be trusted and then they try to trivialise their gross error by referring to it as a “typo”. I’m devastated and mortified. My partner passed away and last year when he was applying for a mortgage with these he put my information on the paperwork. These will not tell me in what capacity my details are on there. They have been a nightmare to email refuse to answer me and imply I’m asking for personal loan details I am not- I’m only asking about me and my details. It’s a complete and utter nightmare I would avoid at all costs don’t be in the position I’m in they are making the pain worse it’s bad enough losing the love of your life without dealing with this nightmare too!!! After a sleepless night and I already suffer ill health I will collate a list of all the people I’ve had email communication with and list them here.

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  • author
    Terry Michael
    Aug 02, 2022
    My experience with Rocket Mtg was…

    My experience with Rocket Mtg was frustrating at best. The banker (John C.) told me I would have no problem getting the refinancing with $100,000 cash out. When I asked him how long the loan process would take, he stated that "We're supposed to tell you two or three weeks, but that it will probably only take 2 or 3 days". Then my application was transferred to a "client care specialist" who was not on the ball, to say the least. I could go on ad nauseum. Let's just say it was a nightmare and after 24 days, John suddenly states that they can't use my husband's 1099 income; therefore, my loan would be in the 50,000 range! This, after John reassured me two times that we qualified for the total 100,000! Yesterday, when I asked why my account portal had such a low lending amount, he said "Oh, we don't take 1099 income"...wow. I hung up, called a different lender and I am now working with someone who I think that I'll be able to count on.

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  • author
    Andrew A
    Aug 02, 2022
    Hard pulled my credit without consent

    I was contacted by Rocket Mortgage after searching for rates online. I was told that they would soft pull my credit - did a hard pull instead. Assured me twice it was NOT a hard pull. Not getting my business and have to dispute now. Thanks.

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  • author
    AEG
    Aug 01, 2022
    Second time not like the first.

    This was our 2nd time financing a home with Rocket. I would have to say our first experience was much better. The first time was "pre-COVID" so I would like to think that may be the reason for the disconnects during the 2nd experience. The first time, I talked to one very professional & helpful agent who was with me through the entire process. The second time, I believe there were at least 4-5 people involved in JUST the banking side of things. It was confusing at times and at least one banker was obviously frustrated with me. We weren't sure who to ask what question and we had to upload documents repeatedly because the new banker couldn't "see" the docs we had uploaded to the portal. No one seemed to know about our unique situation (we were under contract 5 months prior to closing). It was like there were no notes or the new person didn't have access to our status.

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  • author
    Jody Johnson
    Aug 17, 2022
    Purchasing property owned by Rocket Mortgage

    In the process of purchasing (with cash) a home owned by Rocket Mortgage. May 30th they took possession of the home via foreclosure auction at my local courthouse. Then they put the property up for auction as a bank owned property. June 1st I was the highest bidder for the property on auction.com. June 3rd we entered a contract and I wired the earnest money. The closing was supposed to be July 5th. A week before the closing I was told Rocket Mortgage had an issue to work out and they needed to extend the closing to July 26th. Then a week before the second supposed closing I was contacted again and told the same thing and this time they extended the closing to August 31st. The reason they said is that the foreclosure deed was recorded with a wrong legal description, but I wouldn’t be surprised if the deed wasn’t recorded period. “Rocket” Mortgage is taking 3 months to close a cash transaction on a house that they own. The whole process has been a joke. I feel sorry for the people that are using them to finance home purchases from third parties. I have talked to multiple realtors about this and each says start to finish could have been done in two weeks if these people were doing their jobs. If the problem is truly with the recorded legal description one of the local lawyers they use could drive to the local courthouse and fix this Monday. I just need whatever the issue is cleared up so I can close on this house asap. The address is 8275 Utah Rd, Lena, Ms 39094. Amrock (their preferred provider) is handling the title/escrow. Edit/Reply No ma’am, it’s not my place to contact your service team. I’m waiting for your company to correct, record, execute (the excuse keeps changing) the deed so I can pay your escrow company. Other than that I can’t do anything but whine until someone with Rocket Mortgage takes the initiative to correct whatever the issue is. 10 weeks and counting to close a cash transaction on a house Rocket Mortgage owns. Anyone reading this, avoid the hassle and deal locally in person. Edit #2 We closed on the house today Aug 17th. The process seemed to speed up after filing the complaint with BBB and leaving the review here. I believe the BBB was helpful in getting more people involved to look at the issue.

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  • author
    Gloria Tribble
    Jul 30, 2022
    Rocket Mortgage game me a great experience

    Rocket Mortgage kept me informed from beginning to end of my refinance. There were no questions that I had that went unanswered.Things that I didn't understand were explained. I had a great refinance.

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  • author
    charles hendricks
    Jul 29, 2022
    Overall the experience did improve from…

    Overall the experience did improve from my previous refi with rocket. The process just takes too long when all required documents have been submitted. From initial application to closing should be no more than 30 day barring any document issues.

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  • author
    Jerilyn
    Jul 29, 2022
    Great experience!

    Working with Darron Matsumoto was excellent! He kept me informed. He was on top of everything. He worked hard to make my refi possible with no stress to me. The things to do list was easy to follow. I was informed immediately when I needed to schedule the appraisal and closing. All my questions were answered courteously. It was a great experience!

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  • author
    MARIA Elmore
    Jul 27, 2022
    Rocket Mortgage 5+

    I would recommend Rocket Mortgage to anyone and share my experience with them. Loan Expert Donald Bishop was extremely helpful, knowledgeable and I felt he had my best interests in consideration throught the entire process. Thank you Donald.

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  • author
    lindy _
    Jul 26, 2022
    Wish I could give 0 stars..gave us the…

    Wish I could give 0 stars..gave us the run around for months, rude representatives, and my credit is now worse off since following thier advice!! And didn't get a loan after all this..STAY AWAY!!

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  • author
    Anon User
    Jul 26, 2022
    Questionable practices

    Questionable practices. My experience with Justin Carter and Ryan Hopkins from rocket mortgage has been poor. I made multiple requests to use secure methods for transmitting data, e.g., a secure portal rather than text or email to transmit bank statements and tax returns. This seems like a reasonable request, but these gentlemen were unwilling to comply – clearly too much business to follow up. It's ironic since Justin made lots of promises about how great the company is – the biggest lender and would make the best offer, etc. However, he does not seem to understand that email is not a secure method for sending documents. It doesn't matter if the company is "the biggest" mortgage company in the US. Several requests just to send a link to the portal to upload the documents and they just stopped responding.

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  • author
    John
    Jul 25, 2022
    Inept

    1. It took over 8 weeks to get the refi done. 2. Rocket wrote a check to pay off the debt of my company credit card. not my personal card. 3. Wrote a check for payoff of my HELOC and it was short by over 1k. I could go on about how nobody had any sense of urgency but I wont.

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  • author
    Chadwick D Gray
    Jul 22, 2022
    Very helpful and communicative!

    Very helpful and communicative!

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  • author
    Educate Your Mind Production
    Jul 21, 2022
    First time homebuyers

    Being a first time homebuyers it was a unique experience working with all the team players helping me all the way through the loan process. Thanks rocket team.

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  • author
    Amber M.
    Jul 20, 2022
    Fast and Easy

    The whole process was easy and quick. Loan officers were super helpful and guided us through the process. Really the only complaint I had was that there was a little TOO much communication in the beginning, and they called at odd times (like Sunday morning while I was at church) But other than that it was the best experience I have ever had with a mortgage company.

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  • author
    Mack Gibson
    Jul 20, 2022
    Justin is awesome

    Justin is awesome The closing team kept asking for the same info daily, which they had

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  • author
    Kay
    Jul 19, 2022
    Rocket Mortgage is the WORST

    Rocket Mortgage is the WORST! We worked with them for over a year, constantly hearing "this is all you will need", while repeatedly asking for more each time documents were submitted. We were able to work with Rylie and finally get verified preapproved. Then we were switched to Gustavo because Rylie was no longer available and he was awful and he sent our important documents to the wrong email. We had to renew our verified preapproval which we were repeatedly told would be super simple. So we uploaded docs they asked for then turned around and asked for 12 months of mortgage statements. Made me think how much could go wrong at closing using this company and I wasn't willing to move forward with them after that. Do Not Use This Company or anything affiliated with them! They put us in contact with a realtor who didn't even live in the area we were looking in, while also not even wanting to do a video call of a house we were going to make an offer on.

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  • author
    Caleb David
    Jul 18, 2022
    Can't trust them

    Was approached by Rocket Mortgage for a refinance to consolidate loans and do work to home. I paid the "goodwill" $500 deposit, they sent an appraiser out. And then came back with 100k lower appraisal than what my neighbors homes have sold for in the past year (smaller homes and less property) and they decided to not include our waterfront, shared, in the appraisal. They instead chose homes that are not in my area (keep in mind 4 neighbors have sold in past year) and do not have waterfront. They said it is common practice to ommit shared waterfront property (bull). The whole back and forth was ridiculous and in the end I'm out $500. Because due to the lower "value" they wanted me to just take the refi and mortgage insurance charges. Will never do business with them again.

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  • author
    Erica
    Jul 16, 2022
    If I could give them a negative star…

    If I could give them a negative star review I would. I have been in the process for going on months now and even turned down another guaranteed loan that all I had to do was accept funding for. They told me I was approved and then on the day that my closing was going to be after my appraisal and all they told me I didn’t make enough to qualify for that type of loan. Given that nothing had changed besides I had one day short on a pay period due to a holiday. Then no one would even return my call to even answer a question and it is Friday the weekend. This has been so extremely stressful besides the fact that this whole process has been drug out because so many people handle the loan process that they honestly have no idea what is even going on with you. They literally asked me to load the same exact document 4 different times on multiple occasions.

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  • author
    Patrick Reines
    Jul 15, 2022
    Substandard insurance claim process.

    Had roof damage from a storm and need a new roof. Insurance company issued a check with Rocket listed as co-payee. Called Rocket for instructions to get their endorsement. They sent a letter saying where to send it for their endorsement. Letter states after they complete their endorsement process they will overnight it back. Letter does not mention this process can take up to 10 business days! Contacted Rocket and was told that when they get a lot of checks it takes longer to process them- they are processed in the order they are received. Rocket is obviously understaffed and also evasive about how long their process takes. There are many other lenders out there. Ensure whichever mortgage company you select has a good record of mortgage servicing. Meanwhile, I still have a hole in my roof, covered with a homemade patch, waiting on Rocket's process.

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  • author
    customer
    Jul 15, 2022
    Rocket Mortgage makes the process easy

    The Rocket Mortgage team has been very easy to work with. I was impressed with Lauren Hall who stayed in touch with us through a grueling home search. We finally found a home we love, and the folks at Rocket Mortgage made closing very easy.

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  • author
    THOMAS
    Jul 14, 2022
    Really a good experience compared to…

    Really a good experience compared to our builder's financing company. Always quick to respond, courteous, and very helpful.

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  • author
    Sean
    Jul 14, 2022
    Couldn't beat what another bank…

    Couldn't beat what another bank offered, but at least they were nice!

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  • author
    A.S
    Jul 13, 2022
    If I could give zero stars I would

    If I could give zero stars I would. These people have done nothing but dick us around for the last month. We are now missing our closing date tomorrow because of these morons. They have absolutely no idea what they are doing. They've told us they need the same thing from us for weeks, that we have provided multiple times, they're asking for things they should've asked for weeks ago, things are good enough one day then are not good enough the next. I have never been so frustrated and disappointed in my entire life. DO NOT USE THEM

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  • author
    Remond
    Jul 11, 2022
    My loan rep Stewart and Processor gave…

    My loan rep Stewart and Processor gave me the greatest experience I ever thought I could have during the home buying process. They was given a task that required us all to move very fast and they made it happen with no problem. Im very happy and thankful for Rocket Mortgage.

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