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Rocket Mortgage: Review

  2,884 Reviews on Trustpilot

Rocket Mortgage Snapshot

Rocket Mortgage is an online loan marketplace and application process powered by Quicken Loans.

When applying for a mortgage through Rocket Loans, underwriters who work at Quicken Loans will decide if you are to be approved. Rocket Mortgage has a star rating system to show you different products and services offered by Quicken Loans.

If you’re on the go, then Rocket Mortgage by Quicken Loans is a great solution.

Their website and mobile app offer a simple, user-friendly application that can pull a prospective borrower’s employment details by simply inputting identity information like your date of birth and Social Security number.

The entire loan process is completely done online, which removes the need for having to meet in person.

Rocket Mortgage’s pre-approval can be secured in just a few minutes.


Rocket Mortgage Spotlight

Best For
Borrowers who want to do everything online

Marketplace or Direct Lender
Direct lender

Loan Types
Home Refinance, Home Mortgages

Loan Features
HARP refinancing, FHA, traditional fixed rate, VA

Repayment Terms
15 or 30-year fixed rate, 5 or 7 year ARM

Summary

Rocket Mortgage was built from the ground up as a digital lending platform. The direct lender was crafted for digital natives as a smooth, user-friendly loan platform which keeps the entire application process online and on their mobile app.

They offer a variety of mortgage loan options and rates, keeping borrowers up to date with the latest details. The website and app are designed simply and allow for all customer service to be done on the platforms.

Rocket Mortgage is best suited for first-time buyers, veterans, and borrowers who have small down payments.


Loan Types

Rocket Mortgage offers a variety of loan types, including Traditional fixed rate mortgages. They also offer a number of other loan features:

  • FHA Loans. First time home buyers with lower credit scores or a lower down payment can get financing to purchase their first home. Or they can refinance for any reason. Rocket Mortgage’s FHA loans only need a downpayment of 3%.
  • VA loans. Veterans can secure a government-backed VA loan which isn’t always available from online mortgage lenders.
  • HARP refinancing. This makes it simple for any homeowner to cash-out their refinancing loans in case of emergency, large purchase, or college fees.


Rocket Mortgage Rates & Terms

Rocket Mortgage’s exact terms for loans and mortgages aren’t exactly easy to pinpoint as their APR rate information can only be accessed by applying online.

And, unless you complete the entire application process, you won’t be able to see how much of a down payment you’ll need (although they can be as low as 3% depending on your situation).

However, Rocket Mortgage does reveal on their site that their terms range between 8 to 30 years with the YOURgage loan and variable rate mortgages have 5 or 7 year terms.

Unfortunately Rocket Mortgage only gives loans out for owner-occupied homes and not for investment properties.

You can secure a traditional fixed-rate mortgage of 15- or 30-year terms. You can also secure an ARM loan (variable rate), for 5 or 7 years.


Rocket Mortgage Pros

  • Fast, advanced platform
  • Website or Mobile app access
  • Variety of loan options
  • Real time rate updates
  • Easy-to-use platform

Rocket Mortgage Cons

  • The number of options available can be overwhelming
  • Terms and rates information isn’t available until you register
  • A lot of information on your finances needs to be submitted

Rocket Mortgage Application Process

Rocket offers one of the easiest mortgage lender applications:

1. Create an account on their website which takes a few seconds.

2. Complete the online questionnaire which includes basic information about your identity and financial situation.

3. Receive your loan quotes. You can customize tem by simply adjusting your monthly payments, down payment, or loan term until you’re happy with your offer.

4. Click the submit button to request an online approval.

5. Once you’ve received an approval, lock in your rates online.

6. E-sign your online documents to close the loan.


Customer Support

Rocket Mortgage has great customer support. Not only do they offer a phone line for support every day of the week, but they also offer email.

Plus, you can get a hold of a support person through their live chat feature on their site or mobile app. Live chat isn’t 24/7, but can be accessed 7 AM to midnight on weekdays and 9 AM to midnight on weekends.


Final Thoughts on Rocket Mortgage

So, should you use Rocket Mortgage to access a home mortgage loan?

Rocket is a speedy, digitally-focused mortgage loan provider that offers a wide range of refinancing and mortgage options.

You can secure a traditional mortgage, as well as a VA, or FHA loan, which is difficult to secure online.

Between a user-friendly website and app, Rocket Mortgage makes it easy for borrowers to secure a loan without the hassle of traditional borrowing methods.


FAQ

Are Quicken Loans and Rocket Mortgage the same company?
Yes. Rocket Mortgage is simply the online mortgage experience created by Quicken Loans. When you use Rocket Mortgage to secure a loan, Quicken Loans is the company that processes it. They’ll determine if you’re eligible, or qualified, and processes your entire loan.
What’s the difference between Rocket Mortgage and Quicken Loans?
While Quicken Loans is the company name of the mortgage lender, Rocket Mortgage is the name of Quicken’s digital lending platform.
Where is Rocket Mortgage available?
You can access Rocket Mortgage in all 50 states. However, you can’t secure Rocket Mortgage loans outside of the US or in Puerto Rico.

Rocket Mortgage Customer Testimonials

Great   2,884 Reviews

trustpilot-stars

STEVEN

14 hours ago

trustpilot-stars

My entire process of refinancing my…

My entire process of refinancing my home loan with Quicken Loans/Rocket Mortgage was fantastic. Anne Bergovoy was incredibly professional and courteous throughout the entire process and is clearly an asset to your team. She made it clear she was available to me whenever I had questions or concerns, and took the time to ensure I understood exactly what was needed of me to complete the process. There were no issues along the way and Anne represented your company in the greatest manner possible. I have recommended your services to friends already, and know that as long as you have employees such as Anne working with them they will have the same experience as well. Thank you for all that your company does. -Steve


BERNADETTE SUE

15 hours ago

trustpilot-stars

This has been my 4th loan/refinance…

This has been my 4th loan/refinance with Quicken; I can’t believe when people tell me they didn’t use quicken. I’ve been so happy, the experience has always been amazing and stress free. I love that we had a go to person that I could text with; amazing job with communications!!


DAVID DENOVELLIS

17 hours ago

trustpilot-stars

Great service

The process and the people were reliable, fast and convenient.


YINPHYU

19 hours ago

trustpilot-stars

Very convenient and easy for complex…

Very convenient and easy for complex house closings!!


TERJE

20 hours ago

trustpilot-stars

Very fast and convenient

Very fast and convenient. Very responsive, with good communication throughout. Even when things got a little complication, they were able to adapt and get things straightened out quickly. Their rates were very competitive and there were no surprises.


RICK MCKENZIE

25 February, 2021

trustpilot-stars

Great Company and Employees!

The loan process was very hard because I am self employed and the COVID 19 pandemic made the approval process difficult because it required sending in so much information. Samantha Blanke my loan contact made it better because she talked me away from stopping halfway through the loan process explaining how much money I would save a month by refinancing. Once I got everything turned in the rest of the process was made easy by the closing coming to our house and the online app for making payments or help if you need it. We really like Quicken Loans and have been customers for years! Thanks for saving us money!


KAREN MORGAN

25 February, 2021

trustpilot-stars

Awful experience!!!

"Rocket Mortgage" is not a very good company to take out a loan. Their interest rate is too high and their tactic for collecting payment is not encouraging at all. Fortunately, I found another company. They helped me with a loan which I used to pay off my previous loan. Ever since I took a loan from JKP Finance, my mind is at rest. You can check them for large sum loans, with low interest and good customer service. jkpfinancesllc . com


ANDY

25 February, 2021

trustpilot-stars

Simple and Easy

Great interface. Amazingly easy!


PETER CORTESE

24 February, 2021

trustpilot-stars

The Rocket Mortgage team made the whole…

The Rocket Mortgage team made the whole process very simple and easy. Overall a good experience.


LINDA WISSMATH

24 February, 2021

trustpilot-stars

Great Experience

Wow, fast, easy and great rate. All in all it took less than a month to close. The only criticism was with the appraisal, he was from another area and didn't use properties that were comparable Consequently, he under valued the property, which had no effect on the loan. It's a difficult property to always find comparable properties. I would never use this appraisal for anything else, I would hire someone more local.


SONYA STRICKLAND

24 February, 2021

trustpilot-stars

Refinance

Rocket mortgage has made our refinance loan so easy. Professional and fast communication. We were kept up to date with the loan process from start to finish. Our questions were answered quickly, and the whole process from start to closing was completed in a reasonable amount of time!


JAMES

24 February, 2021

trustpilot-stars

Loan Process

The process of obtaining a loan was seamless with Rocket Mortgage. From the first phone call from Rocket to the approval of loan was painless. I would recommend Rocket Mortgage to anyone seeking a loan.


LISA TOWNSEND

24 February, 2021

trustpilot-stars

Easy and efficient

They make the process so easy and are extremely efficient. We are in a better financial position due to Rocket Mortgage lowering our monthly payments and saving us money in the long run.


A. CONSENTINO

23 February, 2021

trustpilot-stars

No Brainer

This was the easiest process, not sure how it could be simpler or faster.


TIM

22 February, 2021

trustpilot-stars

I am very disappointed in myself

I am very disappointed in myself. Last March I refinanced with Rocket Mortgage for a better interest rate. Everything went great. Based on that experience I went back to Rocket Mortgage when I wanted to pull some money out of my equity and refinance again. I trusted Rocket Mortgage. I mentioned I needed the proceeds from the refinance 1/31/21. It didn't seem to be a problem until 1/31/21. Then it didn't happen. We didn't close till 2/2/21 with proceeds on 2/8/21. Again, based on trust I only scanned the closing documentation. A few days after closing I read more closely. The estimated closing costs were $9,726. The actual closing costs were $12,245 and change. A 26% increase. So much for trust. And so much for Rocket Mortgage.


DAVID

22 February, 2021

trustpilot-stars

Rocket/Quicken handled everything…

Rocket/Quicken handled everything promptly, accurately, and made the refi experience a piece of cake. Start to finish took less than 3 weeks.


BOBBY

22 February, 2021

trustpilot-stars

I had a generally good experience

I had a generally good experience. I have refinanced through quicken three times and they are easy to deal with. This time around was kind of hassle due to the fact it took so long. I guess due to the volume of people refinancing it's backed things up. They said it was due to the title company where I live being backlogged. So aside from having to wait 8 months and having to upload my paystub 4-5 times, it was good. I would refinance with them again if I got a good deal.


GAIL

22 February, 2021

trustpilot-stars

Professional, Efficient, Absolutely the Best!!!

The entire refinance, from start to finish, couldn't have been easier! Even in these crazy times where everyone and their brother is refinancing, and agents and their staffs are up to their eyeballs in work, never once were we left hanging and never once was there a delay. Everything... and I mean everything ... was smooth and efficient. There was always an immediate response if we had questions, and we were kept up to date on every detail of the refinance process. Couldn't be happier and would recommend with ten stars if we could. Thank you Rocket Mortgage for making this such a great experience!!


ASA

22 February, 2021

trustpilot-stars

Absolute scammers

Absolute scammers! Don't waste your time.


BL

21 February, 2021

trustpilot-stars

Good

Weekly check ins were very helpful


ZAC

20 February, 2021

trustpilot-stars

Five lenders down to 1... Rocket Mortgage

After shopping five different lenders, Rocket Mortgage offered the best rate, term, closing costs, etc. I was weary at first, thinking "Rocket Mortgage". However, as the cash out refinance progressed we were consistently blown away at the ease of the process. They're online tools and procedures are incredible and made the whole process unbelievably easy. If I ever need another mortgage, I'll be reaching out to Rocket Mortgage before any other providers.


AMIR ANSARI

20 February, 2021

trustpilot-stars

Total scam and dig to my credit for no…

Total scam and dig to my credit for no reason. They will give your a high rate online then some used car sales men (I got troyredmon) and tell you they made a mistake and can get you a lower rate. I have screen shots if his bait and switch trying to con me. Will you load on YouTube under rocket mortgage scam with troy Redmond.


FLORIDA PURCHASE

20 February, 2021

trustpilot-stars

Purchasing Without a Real-Estate Agent

We did not have a real-estate agent involved in our purchase and Rocket Mortgage was able to offer a variety of services that were needed in the process that we were unaware of needing. This was very helpful. The associates were very pleasant and helpful. Each associate was knowledgeable. However, the reason we rated the process 4-star is the lack of Rocket communication in the overall process. Communication was regular from Rocket, but we had no idea who the next step was being passed onto. It would have been helpful to have a document early in the process that would outline the steps; it should include the department, when the process moves on, name of the associate to contact from each department, and contact information. A team approach would allow you to identify the member at each step. Also, at the end of the process it was down to the wire in having all the necessary paperwork. The only reason the paperwork could be completed on time was because we chose to have a house inspection (we were told we did not need one). It seems that each state has different regulations and our thought is that not all states require an inspection. Apparently Florida does, due to the requirement of Wind Insurance. When researching mortgages, I appreciated Rocket's straight forward approach in providing information and attention to my requests.


BRUCE BLUE

19 February, 2021

trustpilot-stars

My WORST banking experience ever! (& lost $500 deposit)

I applied / was accepted for a home Refi and paid the required $500 good faith deposit. I had solid credit, over $86m of equity in the home and the appraisal confirmed the home value and rated it "well maintained / limited to normal wear and tear". THEN some other person in the Rocket Bureaucracy noticed the appraiser's comment of "$300 - $400 of dry wall water damage" to my 1st floor celling and wanted me to hire a "certified roof inspector" at my expense to check out the roof. It took multiple calls (always with a DIFFERENT person) for them to understand that my 3 year old roof on the 2nd floor did not cause my 2nd floor toilet to overflow and cause the 1st floor ceiling damage, but eventually they dropped it. THEN ANOTHER BUREACRAT arbitrarily decided the minor damage had to be repaired anyway - and despite several calls (again all with different people) they did not understand that all contractors are really busy with large Covid remodeling and not interested in a very small drywall repair that had to be done quickly ... so the loan was stopped and they KEPT my $500 deposit! I went to Rocket Mortgage because of their high consumer ratings, but my experience was like going to an ER and having to explain everything over and over to different people, never actually get treated and then still get charged $500 for the visit!


NANCY FODNESS

19 February, 2021

trustpilot-stars

Everything from the application process…

Everything from the application process to closing went very smoothly and timely. Everytime I had a question it was answered promptly.


STEVE

18 February, 2021

trustpilot-stars

We have been a customer with quicken…

We have been a customer with quicken since 2008 and this is far the worst experience we have had. We were quoted 3 different closing cost fees. From the first quote to the second quote we were told the amount we needed was double from the first quote. Some of your agents really need to be trained on good customer service. Some agents we had to deal with were rude and didn't want to help. Even though t wasn't us that were at fault. They acted like it was my problem. Our main agent we started with didn't seem to know the answer on some of our questions. I take it he must be new. There were two agents one was name Danielle and I'm not sure what the other lady agents name that was helpful, which both of them weren't actually the ones we were dealing with. They understood our frustration, regarding the incorrect information, bad customer service and being passed around from one agent to another. Like I said this has been the worst experience we have had working with quicken. If we ever decide to refinance or purchase another home through quicken/rocket mortgage we have a much better experience.


JEFF PULK

18 February, 2021

trustpilot-stars

Save money efficiently and simply.

Very efficient smooth process and saved a ton of dough. Highly recommend to any homeowner.


CHRIS

17 February, 2021

trustpilot-stars

It was a quick and easy process!

It was a quick and easy process!! The Loan Officer that I worked with, Kevin Margiawicz was knowledgeable and personable. Anytime I had a question for Kevin, I would email him. He would always get back to me with answers and he made me feel like I was the only client that he was dealing with. I would recommend to anyone looking for a quick process and a great interest rate.


JENNIFER H

17 February, 2021

trustpilot-stars

The website was user friendly that made…

The website was user friendly that made the process quick and easy. Our mortgage agent was knowledgeable, responded timely and helpful. We believe that Quicken Loan to be the only mortgage lender everyone should have.


ED BRAILSFORD

17 February, 2021

trustpilot-stars

Rocket Mortgage provided us the most…

Rocket Mortgage provided us the most competitive rate, least closing fees, and the process went extremely smooth. I have been in the finance and banking industries and the experience was easier than I could have ever expected. Great Job!!!


TOMMIE TORRES

17 February, 2021

trustpilot-stars

This was the second time I've used…

This was the second time I've used Rocket Mortgage. They were recommended to me by my banker friend and I have not been disappointed. The process could not have been easier, which was perfect for my busy schedule. FRIENDLY employees as well. Thank yall again!


PHUONG THOMPSON

17 February, 2021

trustpilot-stars

good customer service

good customer service


MARK J-R

17 February, 2021

trustpilot-stars

Love Rocket

Love Rocket, they make the process SO easy! This is the 3rd loan we've had with Rocket and don't think we'd consider going with anyone else.


MICHELLE RENEE BURSTION SR.

17 February, 2021

trustpilot-stars

My experience with Rocket was first…

My experience with Rocket was first rate; I feel they explained every phase of the process and helped expedite matters. I enjoyed the ease of online communication when questions arose and feel they reached out to me when I needed extra help. I am comforted to know my loan won't be sold, which I went through with my former lender!


SEAN MCCUNE

16 February, 2021

trustpilot-stars

Extremely Satisfied

Overall, I have been extremely satisfied with Rocket. Their website and app both work very well and provide a large amount of really good info. Their staff is very knowledgeable, helpful and supportive. One note is that Rocket has a multitude of different teams that work on your mortgage. In most cases, this is a positive thing as you have experts in their field working on each piece of the process. However, it can make communication difficult at times as you have to wait for the right team to get back to you. Not a huge deal but might drop this from a full 5 star to 4.7 or so.


JAMES KINNEY

16 February, 2021

trustpilot-stars

unfortunatly

beware the $500 deposit you put down, you will nerver see it again no matter what. the appraisal is an armchair appraisal.they have you do all the work then they charge you for the appraisal.


MELISSA BRAMLETT

16 February, 2021

trustpilot-stars

Justin and Angelo were great to work…

Justin and Angelo were great to work with.


JONG SOK

16 February, 2021

trustpilot-stars

Was suppose to close in Jan 2021

Was suppose to close in Jan 2021. Started cash out loan process in oct/nov 2020. Sabreen did the loan the first time and setiously dropped the ball. ON CLOSING DAY mentioning i had a forbearance property. Which it wasnt and sent entire year worth of mortgage statement. Now we missed out closing date and suddenly got a whole new loan officer. Not sure if she is any better but I am hoping. Today rocket mortgage asked to do a appraisal for the 2nd time. Whats wrong with the appraisal that was done in 2020 by rocket??. Extremely unorganized and request exact same documents constantly like they keep losing it. I will never use them again. Terrible experience and never even got an apology or explanation why they keep dropping the ball. Feb16th 2021 now


LAHARVEY

16 February, 2021

trustpilot-stars

The process with Rocket Mortgage was super easy!

The process with Rocket Mortgage was simple and easy to do.


TED GILES

16 February, 2021

trustpilot-stars

It was stress free and easy.

It was stress free and easy.


LEONARD HARRISON

16 February, 2021

trustpilot-stars

Quickens knows the home loan process

As usual things with Quicken are done very quickly and methodically. The people are friendly and efficient. Quicken invented the Art of doing a mortgage the right way.


KEVIN DONOVAN

16 February, 2021

trustpilot-stars

Generally great service with a couple of minor hiccups

I have secured 3 mortgages and 1 refi with Quicken and they have all gone pretty well. I like the ease of uploading documentation onto the website. The staff have generally been very helpful and courteous. On my most recent mortgage, the original banker left for an extended leave during the process and it was turned over to another banker. That worked out pretty well although there were a couple of minor communication glitches that resulted. There was also a small issue with the timeliness of communication back to my real estate agent when QL received the appraisal. The appraisal was a little short of the sale price and the short delay in getting that info back to the realtor contributed to me missing the Appraisal Objection date in my contract.


AMY

15 February, 2021

trustpilot-stars

Choose another lender

If I had to do it again, I would never use this company. This is the 2nd time in the process that I'm seriously considering switching to another lender. This is the 3rd home I purchased and this is by far the worst lender I've dealt with. I decided to go with them because the rate was great and I've had a phenomenal experience with Ally Bank who I also deal with solely online. My closing is scheduled to be 3/5/21 and I don't think I'm going to make it because underwriting can't prove my assets. Two different real estate agents told me they would never pick Rocket because it is a fiasco every time and my attorney for the closing also stated he hates dealing with them. The attorney's office complained to me that Rocket was calling them on an almost daily basis. They reach out to me CONTSTANTLY as well. Like I said, I wish I never pick this lender and I'm just starting my loan with them. At this point, I still may call Ally and see if they can make a closing happen by 3/5/21. If I had to to it all over again, I would pick Ally or stay with a local bank. This has just been a nightmare. BTW - I'm also someone with a 6 digit income, putting over 50% down, and have provided them with over 700,000 in assets on a home worth less than $300,000. Do yourself a favor and please don't do it.


PAUL

14 February, 2021

trustpilot-stars

Thanks

I appreciate that you call when rates lower. The people I worked with were helpful and responsive to calls and requests. Covid makes things harder but your team did as much as possible to complete the mortgage. My only concern is that I am getting at least a call a week for different rates. It created difficulties while I was getting the mortgage completed.


YAHISLOVE

14 February, 2021

trustpilot-stars

Racism in the mortgage world still exists

I would not recommend Rocket Mortgage to anyone. Please do your research. First off, I filled out a form that stated it would only do a soft credit pull. Not true, they did a hard pull. Someone reached out and being a first time home buyer, I was asking about the process and he did everything he could to make me feel small. Not nice at all and very arrogant. After all the money I told him that we saved, he said that we were not able to get a loan.... Mind you...he hadn’t even taken a look at any of our documents, taxes, bank accounts. After my five minute conversation, I got off the phone thinking we’d never own a house. A month and a half later, I connected with a realtor and she connected me to a local mortgage loan officer who was awesome! 3 months later, we did indeed BUY our first house and our mortgage loan officer assured us that we were MORE than qualified. We were pre approved in less than 24 hours after submitting all the required info. The guy at Rocket judged us based on race...not our humanity. Very discouraging but I’m so glad we pressed on. My wife and I are proud first time home OWNERS in a beautiful historic neighborhood in West Palm Beach, FL...for triple the amount he said that we wouldn’t be able to get approved for.


NATASHA CAUDO

13 February, 2021

trustpilot-stars

Quick and easy

Quick and easy. Short and to the point done in less than 20mins


AMY BRUCE FORTUN

13 February, 2021

trustpilot-stars

The process was so easy!

The process was so easy and from start to finish, was almost completely online. I appreciated that they have more than normal banking hours and we could ask questions at any time. Highly recommend!!


LILIANA MONTES

13 February, 2021

trustpilot-stars

My refinance experience was made so…

My refinance experience was made so easy to understand and navigate till the closing date. Great customer service! Very much appreciate it.


KRISTINA CALDER

13 February, 2021

trustpilot-stars

I got behind on paying my loan and…

I got behind on paying my loan and quicken offered me the application for success with a loan modification after I make my trial payments. I did everything they asked me. I paid all payments that they asked on time including after the loan modification and they just reported to my credit bureau that I am 120 days late. I keep calling them and they keep saying they are working on updating my file. I am making all payments on time but it looks like I am not paying so I am not happy with quicken loans right now.


DEBORAH

13 February, 2021

trustpilot-stars

Awesome experience

Awesome experience! Great customer service. Love the mobile app. Everyone was very helpful and made the process simple.

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Assurance (NMLS #1912050) is not a lender. The lenders determine whether you will be approved and the rate you will be offered. There is no guarantee that you will be approved for credit or that you will qualify for the advertised rates, fees or terms shown. The lenders’ credit decisions may vary based upon your loan request, your particular financial situation and other criteria determined by the lenders. All rates, fees and terms are not guaranteed and may change.

Annual Percentage Rate (APR) calculation and fees are as of 2021-02-26 based on information previously provided by you, the customer, including refinance period, credit score, state, mortgage balance, and property value.

The offers that appear on this site are from third party advertisers from which the operator of this site receives compensation. This compensation determines which offers appear on this site and the order in which they appear. The order is determined at our own discretion and should not be considered an endorsement of any specific offer. We strive to provide a wide array of offers, but the offers shown do not represent all financial services companies or products. The information and vendors which appear on this site are subject to change at any time.

The operator of this website, Assurance IQ, LLC, is a wholly owned subsidiary of Prudential Financial, Inc.

Rate of 1.875%, Annual Percentage Rate (APR) of 1.928% and $1295 fees are for a 15 year fixed refinance loan available through Farmers Bank & Trust (NMLS#613839) based on Excellent Credit Score, Townhouse, Primary Residence, in the state of TX, with an anticipated mortgage balance of $490,000, and property value of $600,000 as of 12/04/2020.

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