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With Rocket Mortgage® by Quicken Loans, our faster, simpler and totally online way to get a mortgage, you can quickly see how much you can afford and customize your mortgage options.

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Where to Get Started with Quicken Mortgage®

Whether a new home is a few years off or you’re shopping now, we can help you understand your options and get the right mortgage for your situation.

I’m Wondering How It Works

Our Home Buyer’s Guide takes the mystery out of getting your first home loan. We break down the process so it’s less overwhelming and easier to understand.

Find Out How Buying a Home Works

I’m Putting Together a Budget

Our calculators help you estimate what you can afford, how much of a down payment you’ll need, what your monthly payment could be, and how much interest you’ll pay over the life of a loan.

I’m Actively Shopping for a New Home

If a move is in your near future, these are the two most important things you should do first. They’ll put you in the hands of experts who help people like you become a homeowner for the first time every day.

First, get approved for a loan. Doing this before looking at houses helps you a lot. Here are some of the benefits:

Apply now with Rocket Mortgage.

Learn what happens when you apply.

Next, find a real estate agent. After you apply and get approved, choose a real estate agent. They’re another great source of experience and knowledge when it comes to how to buy a home. You can expect your agent to do these things:

With an approval letter and listings from your agent, you’ll be ready to start hitting those open houses.

Popular Loans Options for First-Time Home Buyers

Here are some common situations that often apply to people getting their first home loan, and possible options. You may qualify for more than one; we’ll help you find what’s best for you.

  • Want payment and interest rate stability? With a 30-Year Fixed, your interest rate and monthly payments (before taxes and insurance) won’t change, and you can buy a home with as little as 3% down.
  • Don’t have a lot of credit history, or worried it’s not good enough? FHA loans have more lenient credit and income requirements, and your down payment can be as low as 3.5%.
  • Think you’ll only be in a starter home for a few years? An adjustable rate mortgage gives you a low fixed interest rate – which means lower monthly payments – for the first few years of your mortgage.
  • Are you a veteran or currently serving? You may qualify for a VA Loan and be able to buy a home with zero down.

Why We’re America’s Largest Mortgage Lender

The answer is simple: it’s because of you. You’ve told us what you need and how you want to get a mortgage, and we’ve listened. Here are just a few of the things we do for you:

  • Provide a completely online application supported by real people when you need them.
  • Our one-of-a-kind Rocket loan® verification process ensures the underwriting of your home loan is as quick as possible.
  • We service 99% of our mortgages, so our great customer service continues after you close.
  • We don’t charge you to make your mortgage payments online.
  • You can pay off your mortgage ahead of time with no penalties.

Client will receive a closing credit of $1,000 on their Closing Disclosure if they receive a Verified Approval Letter and lock their rate within 90 days or lock their rate during the promotional period on a new purchase loan with a 30-year product. Offer valid between 12:01 a.m. ET on November 29, 2021, and 11:59 p.m. ET on December 1st, 2021. Offer valid on team member referral loans. This offer cannot be retroactively applied to previously closed loans or previously locked loans. Offer does not apply to new loans submitted to Rocket Mortgage through a mortgage broker, non-agency jumbo loans, Charles Schwab loans, portfolio loans or Rocket Pro Realtor loans. Rocket Mortgage reserves the right to cancel this offer at any time. Acceptance of this offer constitutes acceptance of these terms and conditions, which are subject to change at the sole discretion of Rocket Mortgage. Offer may not be redeemed for cash or credit, and no change will be given if the discount amount exceeds costs otherwise due. Offer is nontransferable. This is not a commitment to lend. Additional restrictions/conditions may apply. Offer not valid with any additional discounts or promotions, except for HLBP and Rocket Pro Originate and Relocation offers.

Client will receive 0.5 points off current pricing on a refinance with a 30-year product (includes conventional, FHA and VA products; excludes non-agency products). A point is equal to 1% of the loan amount. This offer is only available to clients who lock their interest rate while completing the application process between November 29, 2021, at 12:01 a.m. ET and December 1st, 2021, at 11:59 p.m. ET. This offer cannot be retroactively applied to previously closed loans or previously locked loans. Offer does not apply to new loans submitted through a mortgage broker, non-agency jumbo loans, Charles Schwab loans, portfolio loans or Rocket Pro Realtor loans. Offer valid on team member referral loans. Rocket Mortgage reserves the right to cancel this offer at any time. Acceptance of this offer constitutes acceptance of these terms and conditions, which are subject to change at the sole discretion of Rocket Mortgage. Offer is nontransferable. This is not a commitment to lend. Additional restrictions/conditions may apply. Offer not valid with any additional discounts or promotions, except for HLBP and Rocket Pro Originate offers.

§Closing cost savings based on Rocket Mortgage average refinance loan size of $243,467 and closing costs of $6,071. 20% savings for this example is based on 0.5% credit on refinance costs in relation to average refinance closing costs. Closing costs include all applicable fees and points. Costs exclude standard prepaid charges, prorations and escrow. Savings may vary. Data compiled as of November 18, 2021.

||Participation in the Verified Approval program is based on an underwriter’s comprehensive analysis of your credit, income, employment status, debt, property, insurance and appraisal as well as a satisfactory title report/search. If new information materially changes the underwriting decision resulting in a denial of your credit request, if the loan fails to close for a reason outside of Rocket Mortgage’s control, or if you no longer want to proceed with the loan, your participation in the program will be discontinued. If your eligibility in the program does not change and your mortgage loan does not close, you will receive $1,000. This offer does not apply to new purchase loans submitted to Rocket Mortgage through a mortgage broker. This offer is not valid for self-employed clients. Rocket Mortgage reserves the right to cancel this offer at any time. Acceptance of this offer constitutes the acceptance of these terms and conditions, which are subject to change at the sole discretion of Rocket Mortgage. Additional conditions or exclusions may apply.