Rocket Mortgage · Lender
Rocket Mortgage
Review published mortgage options and requirements, then request a personalized quote from the lender.
At a glance
- Credit requirement
- Rocket Mortgage requires a credit score of 620 for most conventional mortgages
Still to confirm: Borrower type, Property use, Reserves.
Our take: Pros & Cons
What we like
- Conventional 15-year and 30-year fixed options are available.
- Borrowers can apply directly or work through the Rocket Pro wholesale channel.
What to consider
- Rocket states a 620 credit score requirement for most conventional mortgages; other programs have separate conditions.
- Advertised rates depend on the stated borrower assumptions and source freshness.
AI-generated lender-level assessment based on published information. Not a verified assessment of 15-year fixed; confirm program-specific conditions below.
Newcomer requirements
15-year fixed
Fit not assessed · Check fit
Verified published requirements for this program. Rate-example assumptions are separate and do not establish eligibility or approval.
- Minimum credit score
- Rocket Mortgage requires a credit score of 620 for most conventional mortgages
- Minimum down payment
- Buy a home with as little as 5% down.
View full lender requirements
- Minimum credit score
- Rocket Mortgage requires a credit score of 620 for most conventional mortgages
- Minimum down payment
- Buy a home with as little as 5% down.
Questions to confirm with the lender (15)
These requirements have not been verified for this program:
- SSN
- ITIN
- U.S. credit history
- Foreign credit history
- No credit history
- Residency / visa
- Income documentation
- Employment documentation
- Foreign income
- Foreign assets
- Reserves
- State restrictions
- Property restrictions
- Occupancy
- Other conditions
Requirements last reviewed: Oct 27, 2026 · Official requirements source
Rates and costs
15-year fixed
Rates are available on request
No reviewed advertised rate example is linked to this program.
How to apply
15-year fixed
Document requirements are not confirmed. Ask the lender for its program-specific checklist.
- Confirm the program's identity, residency, credit and property requirements with the lender.
- Use the official application channel to request pricing for your actual scenario.
- Review the lender's written Loan Estimate, including costs and cash to close.
Published eligibility and availability do not guarantee approval. Confirm membership, relationship, property and occupancy conditions with the lender.
Sources and methodology
About this lender
Rocket Mortgage offers conventional purchase and refinance options, including 15-year and 30-year fixed loans. Published minimum down payments vary by term, and lender credit and underwriting requirements apply.
Legal lender: Rocket Mortgage, LLC
Lending channel: Direct lending, Through mortgage brokers
Provider type: Mortgage company
Lending channels: Direct lending, Through mortgage brokers. Origination status: Not stated.
NMLS identifier: 3030
More lender directory information
Parent: Rocket Limited Partnership. Former names: Not stated.
Directory verified: 2026-10-27 UTC · Official directory source ↗
Official mortgage terms · Profile reviewed: Oct 27, 2026
- Official lender source · Last checked Not confirmed
What do APR, points, LTV and reserves mean?
- APR
- An annualized borrowing-cost measure that includes interest and certain loan charges. Read it alongside the interest rate and fees.
- Discount points
- An upfront charge expressed as a percentage of the loan amount. Compare the quoted interest rate and the points together.
- LTV
- Loan-to-value: the loan amount relative to the property's value.
- Reserves
- Assets the lender may require you to retain after closing. Requirements differ by program.