Rocket Mortgage

I wanted to catch the wave on low interest rates before the fed pushed the rates higher but feared my credit score was too low. I decided to submit to Rocket just to try and see what came of it! It was a Sunday night, within 1 hour I received a call from a Rocket Rep (Sunday), I was shocked. Every step of the way this person worked with me, answered questions, and noted my credit score was actually good (Credit Karma, whatever!), anyway this person even cleared a concern I received from another well know reality company debunking comments made about Rocket!!

I still can't believe that I have experienced the most easiest, friendliest, professionally, and non judgmental mortgage refinance. And I have had some very bad mortgage experiences from the moment I called my now previous mortgage holder. For someone like myself with just a Fair Credit Score, Rocket Mortgage did an awesome, easy and quick home refinance approval without any hard issues.. They didn't automatically disqualify me or put me on the back burner, or last on the service list. They treated me like I had the best credit ever. As long as you respond to their request promptly, everything will flow through easily. I highly suggest you have a printer with a scanner, so as to easily upload and send your requested documents.

I decided to go with Rocket to help me with a loan on my first home purchase, since my father has used them for refinances on his home multiple times. I first worked with Amber ** and she was amazing. She explained everything during the approval process and made sure I was comfortable and happy with my loan. She made my life so easy.

My experience with Rocket Mortgage while refinancing my home was great. The process was very easy and my banker, Erin **, was helpful in starting the loan process and answering any questions. I only give 4 stars instead of 5 because the second half of my experience was not great. A promotion was supposed to be added, and when I inquired about it with several customer service reps and my bankers, they either did not know about it or provided completely conflicting information. The lack of knowledge on the part of rocket mortgage was disappointing, and long story short I did not get a promotion that would have been of great value to me after closing the loan. The mishandling of the situation and lack of any one willing to attempt to do something to fix the issue has honestly made me think I will go elsewhere for future mortgage needs when I purchase another home or refinance in the future.

Per the subject header, I endeavored to purchase my first home during pandemic leveraging my VA loan benefit and was unsure of what to expect during process. Although I did a fair amount of due diligence, there were inevitably hurdles which arose that I had to clear; fortunately, my mortgage officer, Travis ** (and his team), were an absolute pleasure to work with during this time. They were forthcoming, patient, timely, professional, and personable. Each step along the way, I was provided clear guidance with what to expect, which made my online purchase of a home a seamless experience. I was told by many that due to current market conditions, buying a home was going to be a challenge - to say the least. To make things more interesting, I lived in Maryland and was purchasing in Florida or Georgia. Travis and team were not deterred; he said let’s go for it.

All aspects of the refinance process were handled in a smooth, timely manner. I was surprised by how easy the documents were received and sent. When I had questions or was confused Your Rocket staff was always available to fix or clarify my problems.

Rocket Mortgage was very thorough and efficient throughout my mortgage process. However, I was annoyed by the fact that rather than discussing loan terms with me, they added points to the loan by default. Despite me attempting to ask questions, I never received clear answers in regard to the way the loan was structured. Luckily, I had a friend in the industry who I was able to discuss my loan with. Most of this was because I was shuffled between several reps due to my main rep being on vacation, but that is more an excuse than a valid reason. Other than that, the rest of the loan team was excellent. Had they actually discussed my loan structure with me rather than making assumptions that I had to correct after the fact, this would have been a 5 star experience.

Said we were pre-approved for a set amount and that the rate was locked in but when we went to buy they pulled back and denied the loan. Went to another mortgage lender and secured a 2.25% rate for $500,000.

Everyone was knowledgeable and kind. We felt like we were really taken care of throughout the whole experience. When we did have a question we were connected with someone to help and the website kept up to date progress of where we were and numbers that we needed as we moved through the process.

Very unorganized, the death certificate was kept when I was told it wasn’t going be! I was A copy would be fine and that they weren’t going to take it then Rocket Mortgage told me they needed the original so I had to send out and spend almost $100 to receive that original death certificate from Seattle, closing had to be changed and I was worried about the closing being on time due to me being out of town