Homeownership Dreams Achieved with ONE+

ONE+ by Rocket Mortgage enables qualified buyers to purchase a home with a down payment contribution of only one percent. Your clients pay only 1% down and we cover the remaining 2%.

Make Gains With Rocket Pro TPO Products

We provide partners diverse mortgage lending options, competitive rates, and regular promotions.

Our most popular products are outlined below. Contact our team for our full suite of products.

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.

Qualifications:

Min. credit score required: 620

Min. down payment required: 3%

Max. loan amount:
$766,550*

*Subject to county loan limits

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5, 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.

Qualifications:

Min. credit score required: 620

Min. down payment required: 5%

Max. loan amount:
$766,550**

*Subject to county loan limits

10, 15, 20, 25, And 30 Year Fixed

High-Balance

For clients who need easier qualifications than a Jumbo Loan.

Benefits:

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

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Fixed And Adjustable Rate Products

Temporary Buydown

Access to a reduced interest rate* for the first one to three years of the loan.

Overview:

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.

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Non-Agency Loans

10 And 20 Year Fixed

Home Equity Loan

For clients looking for mortgage payment flexibility so they can use their money how they want. 

Qualifications:

Min. credit score required: 680

Min. loan amount: $45,000

Max. loan amount: $500,000

Benefits:

Automated Valuation Model (AVM) available for eligible loans

Max AVM amount: $400,000

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30 Year Fixed

Self-Employed Assist

For self-employed clients to qualify using personal or business bank statements.

Qualifications:

Self-employed (at least 25% owner of business for 12 months)

Min. 2 Years self-employment

Min. 2 Years existence of the business

Min. credit score required: 660

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7 And 10 Year Adjustable

Jumbo Smart ARM

For clients who have loan amounts above high-balance loan limits with an Adjustable-Rate term.

Qualifications:

Min. credit score required: 740

Min. down payment required: 20%

Max. loan amount:
$2M

15 And 30 Year Fixed

Jumbo Smart Fixed

For clients who have loan amounts above high balance loan limits with a Fixed term.

Qualifications:

Min. credit score required: 680

Min. down payment required: 10.01%

Max. loan amount:
$3M

Government Loans

Fixed And Adjustable Rate Products

FHA

For clients looking to purchase a home or refinance an existing mortgage with a product that has lower barriers to entry.

Qualifications:

Min. credit score required: 580*

Min. down payment required: 3.5%

 An appraisal is not needed in most scenarios

*Non-Serviced Clients have a minimum FICO of 620.

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Fixed And Adjustable Rate Products

VA

For qualified veterans, service members, and spouses.

Qualifications:

Min. credit score required: 580

Min. down payment required: 0%

 An appraisal is not needed in most scenarios

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.

Benefits:

Min. credit score required: 580*

No appraisal needed

Reduced documentation requirements

Quicker turn times

*Non-Serviced Clients have a minimum FICO of 620.

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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.

Benefits:

Reduced funding fee is just 0.5% of the loan amount

No appraisal needed

FICO score as low as 620

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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.*

Qualifications:

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.

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30 Year Fixed

Purchase Plus

For first-time homebuyers in specific communities looking for assistance with their purchase. This product provides funds for down payment and closing costs.

Also available in high-balance.

Qualifications:

First-time home buyers

Min. credit score required: 620

Min. down payment required: 3%

 Offered in twenty-one metropolitan statistical areas

30 Year Fixed

Home Possible/HomeReady

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 $3,500.

Also available in high-balance.

Qualifications:

Min. credit score required: 620

Min. down payment required: 3%

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).

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Custom Term Loans

8-29 Year Fixed

YOURgage Custom Term

For clients who want flexibility outside of the traditional 15 and 30 year loan terms on standard or high-balance conventional loans.

Qualifications:

Min. credit score required: 620

Min. down payment required: 3%

Max. loan amount: $766,550*

*Subject to county loan limits.

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Help Clients Save With 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.

Every Partner. Every Time. No Exceptions. No Excuses.

We deliver transparent communication, quick resolutions, and laser-focused solutions. 

When our partners succeed, we succeed.