Achieve more with our products
Help your clients own more of America with a wide range of Rocket Pro℠ mortgage solutions, competitive rates, and regular promotions.
Conventional loans
10, 15, 20, 25, and 30-year fixed
Conforming fixed
Clients get lower monthly payments and a guaranteed, set interest rate for the life of the loan.
- Min. credit score required: 620
- Min. down payment required: 3%
- Max. loan amount: $806,500*
*subject to county limits
7, and 10-year adjustable
Conforming adjustable-rate mortgage (ARM)
For high interest rate environments, take advantage of the lowest rates available on the market for a fixed period.
- Min. credit score required: 620
- Min. down payment required: 5%
- Max. loan amount: $806,500*
*subject to county limits
10, 15, 20, 25, and 30-year fixed
High-Balance
For clients who need easier qualifications than a Jumbo loan.
- Min. credit score required: 620
- Loan-to-value ratio (LTV) up to 80% on cash-out properties
- Applicable for loan amounts over $766,551 - $1,089,300
Fixed and adjustable rate products
Temporary buydown
Access to a reduced interest rate* for the first one to three years of the loan.
- Product options: 1-0, 2-1 and 3-2-1**
- Eligibility: Purchase-only Fannie, Freddie, FHA, and VA fixed mortgages
- Example buydown contributors: real estate agents, home sellers, builders, and correspondent lenders
*Additional terms and conditions may apply.
**3-2-1 option not available for ARMs.
Non-agency loans
10, 15, 20, and 30-year fixed
Home Equity Loan
For clients looking for mortgage payment flexibility so they can use their money how they want.
- Min. credit score required: 680
- Min. loan amount: $45,000
- Max. loan amount: $500,000
- Automated Valuation Model (AVM) available for eligible loans
- Max AVM amount: $400,000
30-year fixed
Self-Employed Assist
(Bank Statement Loan) For self-employed clients to qualify using personal or business bank statements.
- Min. credit score required: 660
- Self-employed (at least 25% owner of business for 12 months)
- Min. 2 Years self-employment
- Min. 2 Years existence of the business
7 and 10-year adjustable
Jumbo Smart ARM
For clients who have loan amounts above high-balance loan limits with an adjustable-rate term.
- Min. credit score required: 740
- Min. down payment required: 20%
- Max. loan amount: $2 million
10, 15, 20, and 30-year fixed
Jumbo Smart Fixed
For clients who have loan amounts above high balance loan limits with a fixed term.
- Min. credit score required: 680
- Min. down payment required: 10.01%
- Max. loan amount: $3 million
Government loans
Fixed and adjustable rate products
FHA loan
For clients looking to purchase a home or refinance an existing mortgage with a product that has lower barriers to entry.
- Min. credit score required: 580*
- Min. down payment required: 3.5%
*Non-Serviced Clients have a minimum FICO® Score of 620.
Fixed and adjustable rate products
FHA Streamline
For clients who have an existing FHA loan and want to lower their payments with a streamlined process.
- Min. credit score required: 580*
- No appraisal needed
- Reduced documentation requirements
- Quicker turn times
*Non-Serviced Clients have a minimum FICO® Score of 620.
Fixed and adjustable rate products
VA loan
For qualified veterans, service members, and spouses.
- Min. credit score required: 580
- Min. down payment required: 0%
Fixed and adjustable rate products
VA IRRRL
For clients who have an existing VA loan and want to lower their payments with a streamlined process.
- Reduced funding fee is just 0.5% of the loan amount
- No appraisal needed
- FICO® Score as low as 620
Affordable loans
30-year fixed
ONE+ by Rocket Mortgage®
An affordable loan option for qualifying clients. Clients pay a minimum of 1% down payment and the remaining 2% down payment will be covered.*
- Min. credit score required: 620
- Min. client down payment required: 1%
- Income limit: 80% area median income (AMI)
- Max. loan amount: $350,000
*Very low-income home buyers (≤50% AMI) are eligible for a minimum grant of $2,500 or 2% of the purchase prices, whichever is greater.
30-year fixed
Welcome Home RateBreak
Help your clients take the leap into homeownership with our 2-1 temporary buydown that will reduce the rate during the first 2 years of a HomeReady® or Home Possible® loan, saving them thousands.
- Min. credit score required: 620
- Min. down payment required: 3%
- Income limit: 80% area median income (AMI)
- Max. loan amount: $350,000
*Very low-income home buyers (≤50% AMI) are eligible for a minimum grant of $2,500 or 2% of the purchase prices, whichever is greater.
30-year fixed
HomeReady® and Home Possible®
An affordable primary residence loan option. Eligible clients can receive a loan level pricing adjustment (LLPA) credit equivalent to 1% of the loan amount, with a minimum of $2,000** and a maximum cap of $3,500. Also available in high-balance.
- Min. credit score required: 620
- Min. client down payment required: 1%
- Income limit: 80% area median income (AMI)
- Max. loan amount: $766,550*
*Subject to county loan limits.
**$2,500 for very low-income homebuyers (≤50% AMI).
Custom term loans
30-year fixed
YOURgage®
For clients who want flexibility outside of the traditional 15 and 30 year loan terms on standard or high-balance conventional loans.
- Min. credit score required: 620
- Min. down payment required: 3%
- Max. loan amount: $766,550*
*Subject to county loan limits.
Private mortgage insurance secured by Rocket®
Reduce premiums paid over the life of your clients’ loan with our industry-leading mortgage insurance. For example, average private mortgage insurance (PMI) costs $30–$40 per month, which is equivalent to saving 1/8 interest rate paid.