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Want to explore your options?

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With Rocket Mortgage® by Quicken Loans, our fast, powerful and completely online way to get a mortgage, you can adjust your mortgage term to find out which works best for you.

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Refinance/Home Equity
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How It Works

How a YOURgage Works

This conventional loan provides you with an option that’s a little bit different. You get to choose the length, also known as the term, of the loan. Choosing a shorter term can save you money in the long run because you’ll pay less interest. And you’ll have a fixed interest rate, so you won’t have to worry about your principal and interest payment changing each month.

Advantages of a YOURgage

  • Custom mortgage term with a fixed rate
  • Down payment as low as 3% if you’re buying your primary home
  • Option to refinance up to 97% of your primary home’s value
  • Loan amounts currently up to $484,350; in 2020, the limit is raised to $510,400

Key Benefits

Why You Should Choose Quicken Loans

  • You get a completely online application with less paperwork.
  • Home Loan Experts are available via chat, email and phone to help you understand whether a YOURgage is right for you.
  • We service 99% of our mortgages, so our great customer service continues after you close.
  • After you close your loan, you can manage your mortgage online without any hidden fees.

Other Popular Loan Options

Based on Quicken Loans internal data.

The payment on a $200,000 30-year fixed-rate loan at 3.875% with a 70% loan-to-value ratio is $940.48 with .25 points due at closing. The annual percentage rate (APR) is 3.968%. Payment does not include taxes and insurance premiums. The actual payment amount will be greater. By refinancing your existing loan, the total finance charges may be higher over the life of the loan. Some state and county maximum loan amount restrictions may apply.