Rocket Mortgage Reviews

I am writing this review to provide a factual account of the mortgage-assistance offer I received from Rocket Mortgage and to encourage other homeowners to read every page and independently calculate the long-term cost before accepting an FHA loan modification. I contacted Rocket during a temporary financial hardship because my goal was to keep my home. At the time I sought assistance, I was not more than 15 days late on my regular mortgage payment.

Rocket Mortgage is great to work with. All teams are very efficient and easy to talk with. We have been with Rocket Mortgage for many years and they have never let us down. A real person answer the phone and really listens to your concerns. I would very much recommend Rocket Mortgage to anyone.

An escrow refund check was never received. After calling the help desk on three separate occasions over the course of 2 months there is still no resolution. Every help desk technician assures me a new check is coming soon, but it never arrives. It is impossible to talk with a manager because of company policy. Additionally, the company failed to pay property taxes for 2025 despite the escrow account. After three very lengthy phones conversations they ultimately paid just before the tax lien went up for a certificate of sale. Horrible customer service and say what you want to hear just to get you off the phone! Can’t wait to refinance with another company that actually cares about their clients.

Working with Rocket Mortgage was easy and quick on my home equity loan. The team was professional and responsive. The entire process was completed in a few weeks. I would highly recommend working with this company.

The loan approval and process wasn't bad, it wasn't great either. My major gripe is their inability to manage an escrow account. In early 2026 they sent me a check for $1,000 because my escrow had too much money in it. Now six months later my escrow is short. On top of the increase from taxes and home insurance this year, I now get to pay an additional $90 shortage fee because they can't do basic math. We are paying this company loads of money in interest over the lifetime of this loan and they are unable to make a basic estimation for escrow. Customer service confirmed others have the same exact issue.

We did a home equity loan for home improvements, and the whole process from start to finish was easy and excellent. Chel ** is awesome to work with! She really went above and beyond. Thank you very much.

It is impossible to talk to a human to get a question answered. The automated service just routes you to more automated menus and responses. It is immensely frustrating. I hate that the old servicing company was bought by this customer unfriendly company.

Perfect from start to finish. We faced a few hurdles but John and Colton Went above and beyond to help secure us a loan. I have several properties and this was by far the easiest transaction of them all.

After a total loss of our home the insurance pays the Rocket. We first had to fight for them to send us the money that exceeded what we owed them. Then they sent us letters and emails constantly asking us about our "repairs" despite us explaining that it was going to be a long process and it was a total loss. After a year, when we were trying to them to release money they still had it down as a repair. Then every person we talked to has a different version of the process and how to get paid. The website is useless. Every time we call it takes 20-30 minutes to get to someone who can talk about the issue. They basically want the house completed, but they won't release the funds to pay for it. SBA cannot release the loan until the insurance money is spent.

I was very disappointed in the application and review process for my Equity Loan. (1) There was no complete explanation of the process, how long it would take and the factors that could cause delay. Since i was considered a highly qualified applicant, I was told 10-14 days but never told that factors like original documentation for Social Security and Solar agreements and installation, Trust information, death certificate for my wife could/would delay the process. (2) Your notification system of tasks is very inadequate. I was notified of a new task opened the email and the task would say need information on Trust. What information? The trust was over 70 pages.

Kris ** was awesome to work with! I can text him anytime that I have a question. He always answered me right away. He was very helpful and knowledgeable. It was a wonderful feeling to use the equity in my home to pay off some debt!

My loan processor Jeff was very responsive and helpful but that’s about the only thing that was positive. I felt that I had to keep messaging to keep the ball rolling and the whole event took a month and a half. Would I recommend Rocket…. doubtful.

As with many businesses, once they lock you in financially, the follow thru for any kind of customer service lacks. On the day of closing, I still hadn't received a link to sign the pre-sign documents. I had to call Rocket Mortgage to send me the link. Then it didn't work with my browser, but they quickly fixed it. Then, they didn't read the closing documents as to the change I made concerning distribution of funds. Customer service folks were all at lunch at the same time followed by a meeting they were all at. I finally got in contact with a disbursing person who acknowledged the error and intends to make it right. We will see.

The idea that you have to send checks of thousands of dollars through the mail is ridiculous. I’m still waiting for some to get posted. Most govt PO Boxes. We have electronics now. I could have just transferred the money with a few keyboard clicks.

My experience with Rocket Mortgage has been extremely frustrating. They seem constantly focused on adding fees, yet when you call customer service, no one truly listens or takes responsibility. They removed my automatic payments and told me they would send me a letter. When I tried to restore AutoPay online, the system would not allow me to do it. I eventually had to call and set it up again with an agent over the phone.

As a senior citizen who has never been late on a payment for years and years I must say I am thoroughly disgusted with this god-awful place. Out of the blue I began to receive paper statements. I contacted Rocket Mortgage and it took them 2 months and a Better Business Bureau complaint before they would answer as to why. I was told that due to a merger that somehow I was automatically placed on paper statements. I am a victim of identity theft therefore this is an extreme issue for me. This unprofessional, unethical place told me that I had to create an online account in order to fix their mistake. There was also an issue regarding my payments and the amount that was being deducted that they absolutely refused to address as well.

I never contacted them. They somehow got my email. They keep emailing me immediately after I delete an email. I don't know how they know I deleted their email, so I wouldn't trust this company one bit. I did the Opt Out thing, and they keep emailing me. I tried to contact them and Andrew ** was zero help. They kept sending an "Opt Out" link that went right back to the text screen with him. This place is a scam. Don't trust them

There are so many inconsistencies on my online dashboard and closing package. On the dashboard, the money that I should receive is $50,319.18. The amount deposited in my bank account is $49,215.08. The difference is $1,104.10. I have been waiting for an explanation since I signed the documents. I need an explanation and comparison for these 2 amounts. I was told last Friday, 7/10/2026, that checks to creditors will be mailed via USPS. I called and said the tracking number had an error. So, the closing team said it is UPS. Then this morning, 7/13/2026. It will be USPS.

My husband and I have been trying to obtain a home equity loan on a rental property we've owned for more than four years. We started the process in March, and it is now July with no resolution. Throughout the process, we have repeatedly provided the requested documentation—sometimes more than once—only to be met with additional requests and delays. Each time we think we've satisfied their requirements, another hurdle is added.

I been with Rocket Mortgage for over ten years, with 2 properties. My experience with Rocket Mortgage has been extremely disappointing. During the government shutdown, I contacted them in advance because my income was affected and arranged a payment plan with their representative. I believed I was doing the responsible thing by communicating and making payment arrangements instead of ignoring the situation.

Great experience! Tanner ** and his team did an excellent job helping us through all of the steps to get our refi done in a timely manner! Along with our Notary, they all did a outstanding job in getting us where we needed to be.

Very professional and easy to do. Took way less time than I thought it would. I was worried about all the electronic things we needed to have in place, but they walked me through it. Very good experience.

This was one of the best closing, and I have closed before. Thank you very much. The timing was right on time. I was able to speak to the person who was dealing with me at my closing, which was the person who stamped the closing contract. Who was the notary? I thank you for giving me the opportunity to work with Rocket Mortgage.

My other mortgage sold to this scam of a company I had insurance. My agent and my insurance company emailed and called them and the next thing Rocket Mortgage supplied their own overpriced insurance and a note. You can not talk to a person. I am looking for another mortgage company.

They changed my rate. They sent me all these checks that I did to send out that I am not sure of the number account number etc. the last few days before my closing I didn’t talk to them except one time to email a copy of mortgage. I got a email to pick my closing date. No instructions. The attached letter came with the checks for me to figure out who get what, account number, mailing address etc. I know it’s a better way.

Rocket Mortgage has no clue what they are doing - no inter company communication. I did an assumption to take over our loan after a divorce. I was told that I would pay around $3500 in closing costs, it ended up being around $4800. The loan agents continued to change the required information needed, the format of the information, etc.

The whole process was handled professionally and made to be easy and stress free. I am very satisfied with the process. We told our daughter about it and she has also refinanced her home through Rocket Mortgage.

Our mortgage loan on our home was with Mr. Cooper when we did a refinance last year in AUGUST, at that time, my husband and I both were unaware at how much inflation/the economy was affecting our cash flow and made a mistake by choosing a 15 year note instead of the customary 20-30 years so that in the event my husband, the bread winner, passes away, I could pay the mortgage off easier or have plenty equity to refinance if needed. Over the next 8 months my health went downhill, had a stroke and diagnosed with Stage 3b Kidney Disease.

RUN away from Rocket. They are so great at schmoozing you to get your business but when you actually pay your loan off they ignore you and steal your money. They conveniently apply your payments in a way to keep charging interest and fees as long as they can. They want you to do everything online and limit the available info. I tried to get a payoff and they don’t make it easy. I finally found the way to request it online and then sent the payments to pay off my loan. They held funds and put extra to escrow instead of paying it off so I kept accruing interest even though I had sent the full payoff amount by the payoff date.

Stay clear away from Rocket Mortgage, I’m trying to refinance my house for a much lower rate than I have. The experience was unprofessional. It was all happy go “lucky” talking personal stuff moments from the very beginning and at the end attitude switched to no time for small talk got to get my commission when they know they have you! Then they scheduled the closing. Two days later cancelled it without out notifying me, did not call me back to tell me why. Just said, "Not sure" when I called them back, confusion, stating wrong $$ figures.

Rocket stated they would not sell the loan during the sales process. Now they have sold it to a VERY SHADY SERVICER that has several suits and is under scrutiny for ABUSIVE AND PREDATORY BUSINESS PRACTICES! WTF? Our loan payments were never late, never had any issues of any kind. I don't know why they would do this. Now I have to watch my mortgage activity like a hawk every single month to make sure this servicer doesn't "apply payments" in some way that will cause late fees, or other problems for our family. THIS IS WHAT THEY DO. We will never use Rocket again!

Rocket Mortgage made the entire process of getting our second mortgage incredibly smooth and stress-free. From start to finish, the team was responsive, professional, and kept us informed every step of the way. A special thank you to Josh and Jennifer for their outstanding support throughout the process. They were always available to answer questions, explained everything clearly, and made what could have been a stressful experience feel easy and seamless. What I expected to be a complicated process turned out to be one of the easiest financing experiences I’ve had. I would absolutely use Rocket Mortgage again and wouldn’t hesitate to recommend them to anyone looking for a straightforward, hassle-free mortgage experience. Thank you, Josh, Jennifer, and the entire Rocket Mortgage team!

Last year we our home. We kept trying to reach out to Rocket Mortgage multiple times regarding if our taxes showed paid and no response from this. They finally responded stating taxes are delinquent. Well, it’s delinquent because they never helped us resolve it before and the only response we get is now it’s delinquent. If they would have responded when we first tried then we wouldn’t be where we are at today. Now our mortgage has gone up $600 more and we can’t afford it. We got the letter from them yesterday stating it went up without even consulting with us first. So probably foreclosure in the books and we are getting our lawyer involved probably now. Thanks for screwing us over Rocket Mortgage.

We had a tree fall on our shed and fence crushing them. Called our insurance company and we had the check in 2 days. Little did we know that Rocket Mortgage would be on it too. We cashed it electronically with them but we're told it would be 7 to 10 business days before we would see it in our bank. Meanwhile the tree still sits there and the destruction with it.

After a problem with my electronic wire transfer routing numbers (totally my fault), I called the Client Relations number. I apologized for missing her name but, she was an absolute Angel! She told me how to fix the problem and where to email the correct routing information or I could call back. After I got correct data, I called back and I was so happy that the voice I heard was the same sweet woman I talked to before. She took care of everything and bless her heart, my funds were deposited in my account just now. Everyone from Rocket Mortgage that I have spoke, texted or emailed with have been so kind and knowledgeable. I appreciate you all!

Totally out of the blue, I was just turned down for a mortgage, 12 days before closing because the underwriters do not know how to read tax forms. I have some investments that provide K-1 tax forms to me. The genius underwriters at Rocket think I own all of these LLCs and so my debt to income ratio is way too high. DUH. This is the equivalent of seeing a 1099 from social security and assuming the person is responsible for the national debt. Stunning; just stunning. I am left breathless.

Horrible experience. We found a Redfin property we liked and wanted to move quickly to submit an offer - the Redfin agent referred us to Shari **. Knowing my income profile was unique, I was very clear that I did not want to submit an offer unless an underwriter had reviewed my file to avoid any surprises further down the road - Shari said she understood. After initial review, she was only able to qualify us for a bit under the offer we wanted to submit and indicated that underwriting would not review until we were under contract (which is an insane policy).

When mortgage interest rates dropped slightly, I requested a CEMA from my current lender, Rocket Mortgage, so I could refinance with my primary bank. Rocket Mortgage refused, stating that they only provide CEMA documents if you refinance through them. I found this policy to be self-serving and contrary to the purpose of helping customers.

After my divorce, I obtained a mortgage for a single family home, in Las Vegas, NV... Around 2012-13... Unfortunately, I do not have a copy of my old mortgage docs to provide... I had/have, and maintain, a 765 credit score and enjoyed having RM as my mortgage provider and they were very easy to deal with. However, without so much as a "See Ya Later", RM sold my mortgage to Chase, an anonymous Mega-Bank who doesn't care about me at all... Even after about 12+ years, I have never had any interaction with them, other than paying my mortgage. Now, I am receiving solicitations/offerings from Rocket Mortgage saying that they would like to offer me "savings on my Chase mortgage"... Why??? Just so they call sell be back to Chase?!?! Borrower Beware!!!!

If you change personal banking for autopay, they charge you 2 mortgage payments upfront. Don’t change your autopay. Never-mind, I tried setting up autopay on their app and after confirmation it never actually went through. Needed up with a late payment fee and having to pay 2 mortgage payments to set up autopay again.

My loan was sold off to Rocket. Cannot set up my account to make payment, they cannot pull my new loan information, I cannot speak to a representative because they rely on automated system to do work for them. So here I am wasting hours chatting with their representative 3 times and calling numerous of times, and still cannot make my mortgage payment.

If I could give fewer or negative stars, I would. I have had issues with Rocket Mortgage since the first day I did business with them. The "Most loans close in 30 days" was pure BS. It took over 6 months for my loan to close. And then every year, and I mean EVERY SINGLE YEAR since then, they have drastically underestimated the rate increase for insurance. When I try to overpay the escrow, they send me the overage as a return 3 weeks before the insurance bill comes due, and use that as an excuse to raise my monthly mortgage. No one, and I mean NO ONE should EVER do business with these thieving criminals.

I have had Rocket/was Quicken Loans for years. They have apparently changed customer service to AI. There is no customer service. Emails sent get a canned reply to call the Rocket number. The Rocket number is a maze of AI questions that lead to holding for a representative that does not exist. I am a very frustrated and disappointed customer.

The first part was great but then there was no communication. I had no idea what was happening and how long thing were going to take. I ended up calling to find out what was going on and had them explain thing to me. It would be nice to get a call every step of the way so people like me understand what's happening.

Overall the experience with refinancing with Rocket Mortgage was great. The only thing is the ending of the checks being distributed is taking an extraordinary long period of time. It has been 5 days since the closing! I have not received the checks for the creditors!

Refinanced with Rocket Mortgage years ago, they send tons of spam emails, non stop refinance offers. I got tone deaf and was used to ignoring their spam. Then I had a shortage in my escrow and did not see the email about it due to the massive amount of spam they send me. This caused me to miss paying the shortage in escrow and was counted as a late payment, this caused an 88 point hit on my once proud credit score and will take 5-7 years to fix. Pay attention to your spam I guess.

I have been a huge fan of Rocket Mortgage for many years. I felt like they had the entire process down and customer service was absolutely top-notch. Fast forward to 2026 - AI agents have replaced live humans with a pulse. This is a common cost savings for customers as they work 24/7 and don't take PTO and breaks. This is not a customer perk by any means. Don't get me wrong, when they want your business, you get calls, emails, and they bend over backward to secure your loan. Once you have an account - try and get in touch with them!

I was buying a home with Rocket and everything went smoothly. My loan was approved, and 1-2 weeks before closing my loan officer called me and said they were pulling out of the deal. They screwed me big time. For about a year now, Rocket has been collecting money on behalf of my mortgage company "Mr Cooper". Rocket emailed me today that they will be acquiring my loan, and I clicked the link to login.

My Bank sold my loan to Rocket mortgage. It's the worst experience I am having. I schedule a payment with the wrong date. I call and canceled the payment 4 days before deadline. They still went into my account and took my money. And refused to return my money to me. I made several calls to them to return my money. Then I was told I have to wait 5 days for my funds. I still have not receive my money. They illegally went into my account and took my money. Totally dislike this company.

Feel like I was taken advantage. I made sure from the start this was a house I was buying to resell. Some reason they thought I should buy points. I never asked for point. Why would I buy points if I’m reselling it. Didn’t notice it and my bad but noticed it at close. I was already a customer of theirs so why do business with me like this? Horrible. Johnathon **. Never again will I do business with Rocket.

I am beyond frustrated with Rocket Mortgage. We started the process of obtaining a partial release in early April, and as of June 17, it is still not complete. Throughout this entire process, there has been a complete lack of communication and consistency. Every time we call, we receive different information depending on who answers the phone. One representative tells us one thing, and the next tells us something completely different. No one seems to know what is actually happening with our file.

Rocket recently purchased our perfect payment history mortgage. They are absolutely the worst. It's almost to the point of harassment. If I didn't have a fixed rate mortgage, I would refinance in an instant. Until current rates drop, I'm forced to put up with their garbage. If you're looking for a mortgage, use anyone but them.

My biggest complaint is that since contacting RM, the number of mortgage telemarketing calls has been unbearable. This started happening soon after I contacted you, so I can draw a straight line from you to them. I was not prepared for this and do not appreciate it in the least. Now they have begun sending mail with urgent pleas to contact them. For this alone, I would be hesitant to recommend you to anyone.

Rates are competitive, but customer service is terrible. Multiple transferred calls, and online chat is worthless. I am overpaying $7000 a year in escrow, and no one will return a call. I simply get pushed to another customer service rep.

Absolute dogshit. Ever since my loan has been transferred to rocket mortgage it has been such a huge pain. It takes over 20 minutes of screwing around with the automated service to get in touch with a human. Horrible customer service, absolutely infuriating. Getting to speak with a human is like pulling teeth, and once you get one, they are completely incompetent. Emails are ignored. They have messed up my insurance and caused confusion countless times. I am a real estate investor and they are easily the worst mortgage company I have ever worked with. Will not be working with them ever again. Avoid at all costs.

My experience with your company was a delightful experience. Your team was professional and helpful. If l didn’t understand something all my questions were answered in adequate time. I would recommend Rocket Mortgage to all my friends and family.

⭐⭐⭐⭐⭐ 5-Star Review for Geoffrey ** – Rocket Mortgage. Working with Geoffrey ** at Rocket Mortgage was an outstanding experience from start to finish. Geoffrey was always available to answer questions, provide updates, and guide us through every step of the mortgage process. His positive attitude, professionalism, and dedication made what could have been a stressful experience feel much easier and more manageable. Geoffrey is incredibly hardworking and truly goes above and beyond for his clients.

They were good at first. Made it to the point the papers were at the attorneys office then they tell me they can't go through with the loan because I'm out of work on long term disability & I didn't have a return to work date.

Transferred home to trust. Rocket mortgage lacks the experience and expertise to update their records. Telephone customer service is a complete waste of time. Employees have no clue regarding transaction and simply make up absurd requirements. Every couple of days they send form letters requesting documentation I have provided. What a waste of time. At this point Rocket paperwork will stay as is. Doesn’t matter. Just hope I never need customer support.

I have been requesting a comprehensive breakdown of my payments applied + my extra payments made toward principal since my loan origination. I want to see my monthly balance after each payment + extra principal is applied. I have sent a certified letter requesting this, have emailed back and forth, but Rocket Mortgage will not provide me with this. It is infuriating. I keep getting standard responses from "landtransactions". I received an amortization breakdown but it does not include my extra principal payments which I have requested every single time. I am very disappointed with Rocket Mortgage. It should not be this challenging to obtain my own financial information.

Rocket Mortgage reached out to me to let me know that my loan could be refinanced to a lower interest rate. I got a great quote and went forward with the process. Our loan officer was exceptional and helped make the process go as smoothly as possible despite a little hiccup. We still closed on time and we were extremely satisfied with the final numbers. The closing was digital and extremely flexible for our schedule. I highly recommend Rocket Mortgage to family and friends.

Overall very good experience. My complaint is that the online chat support was poor as it did not really answer questions. It basically repeated what was in the to do task description. Calling in was not much better. Getting in contact with my loan representative was the most help and productive.

The preapproval process is a scam to get you fully invested into purchasing. I’ve heard so many horror stories about Rocket, and I had to find out the hard way myself. 5k down, spent well over 5k in fees throughout the process for them to not only ruin my credit by running my report 24 times!!! (Yes, 24 inquiries) But they waited until the title cleared and a few days before my closing is scheduled to tell me my income isn’t eligible for the loan. Please, please be mindful of the rumors you hear, they are 100% true!

Horrible customer service. Rocket bought my mortgage from Mr. Cooper. I am unable to speak to a Live Rep after they took money from my escrow account. They had documentation that I paid my new Hazard ins and did not pay me back.

Very responsive and attentive to our needs and wants. It was nice having a text message option for last minute additional questions. Process was a bit long from start to close but was acceptable. Thank you.

David ** was very helpful kind and respectful. I would recommend Rocket Mortgage to everyone I know. My process did not take me long at all. Everyone I talked to was very professional and made sure I understood everything.

Changed insurance to another policy with SAME CARRIER. Rocket “double paid” premiums with no notification. Rocket’s customer service is in a third world country; very difficult to understand the agents. Takes too much effort to reach the right agent, then they have to “redirect” you to another company. Galling.

If you are reading Rocket Mortgage reviews to see if you should use them for a refinance, pay very close attention to who your Loan Officer is. If you get assigned to Larson **, consider this a massive red flag. I originally closed on my house in October of 2025. From start to finish, my initial home-buying experience with Rocket Mortgage was absolutely amazing. The process was dialed in, efficient, and transparent. Unfortunately, my recent post-closing experience with Larson ** has been the exact opposite.

If I could give the a zero, I would. Refinance of house, they had us jumping through hoops to appear them. Final strategy was they gave us an option to roof our unattached carport or tear it down. We worked though West Capital Lending, Travis and Matt and Rocket Mortgage. They lead you on for months doing everything they ask and the tell you to tear down something on your property or they will not close the loan. Worst experience ever. I think they took advantage of us at 70 years old.

Just got off the telephone with a Rocket Mortgage Agent (Rachel). Shared my concerns on numerous outdated letters I’ve been receiving in the mail, and Rachel was able to explain in detail the reasons I was receiving these letters in the mail and able to resolve the matter! We both celebrated exchanging encouraging words! Grateful for excellent communication, professionalism and a kind heart! She deserves 10+Stars!

Kyle ** was excellent, leading Denise and I through the approval process. Rodney ** and Larry (don't know last name) also assisted with updated information and guidance. The overall process was fairly easy for us to complete. I would definitely recommend Rocket Mortgage to a friend or relative.

We started our VA IRRRL refinance process with Rocket Mortgage on May 6, 2026. First of all, I would like to call out that a VA IRRRL refinance loan is one of the easiest, if not the easiest mortgage loan to process out there. No appraisals, credit checks, etc … just a simple process to put a Veteran in a better place with regards to their mortgage payments. The fact that Gabrielle ** and Abe ** could not navigate the steps to make this happen is quite frankly laughable, but how we got here is even more. We have financed or refinanced more than 25 homes in my lifetime and this is easily and by the far the most inept and unprofessional experience we have ever had with any finance company.

My experience with Rocket Mortgage was amazing. The team that assisted me was Great. They were patient with me and knowledgeable of all questions at asked. Walked me through steps of the process and explained the options that were presented. Team members were very professional and courteous. As the process moved forward, each team member Congratulated me on reaching each milestone of the process. All around Great experience. Second to none.

Rocket Mortgage has established itself as an industry leader by fundamentally transforming the home financing experience through technology, speed, and transparency. By digitizing the mortgage process, they have removed much of the traditional friction, providing clients with a user-friendly platform that offers real-time updates and clear communication at every stage of the loan lifecycle. At the center of this client-focused approach are professionals like Jacob **. As a Senior Banker with Rocket Mortgage (NMLS #**), Jacob embodies the company’s mission of providing top-tier service. He brings a deep, technical understanding of mortgage products, allowing him to tailor solutions that align with his clients' specific financial goals.

I am an existing Rocket Customer and when I went to purchase another home, we were able to close in 21 days. It showed good processes and also active work by the staff that supported me. Thanks to Rocket...was not sure how it would work out, but you did great.

This is the most unethical and inept company I have ever dealt with. They bought my loan in January of 2026 and then decided I needed a wind policy, even though my previous lender did not. I swallowed that pill and added wind. Then they decided to buy a policy for the PREVIOUS year, that had no claims, and charged me $2200 for the pleasure. They then renewed that policy in error and charged me again. I have wasted countless hours on the phone with their untrained employees and it is impossible to get help. This is the worst customer service I have ever experienced with any company, let alone a lender. Literally one of the worst companies on the planet, steer clear

Once again they lost my payment that my bank had electronically sent to them. Call and was told it be 24-48 hours before they could have someone call me back. This payment was sent 5 days before it was due. They bought my mortgage and its been nothing but a shit show from the start.

Everything was extremely easy and efficient from start to finish. The turnaround time was quick, and there wasn't a lot of back-and-forth communication needed. The appraiser was very professional, and everyone I spoke with throughout the process was courteous and helpful. The only minor challenge was working with a few different people during the process, which was a little confusing at times. I wasn't sure if there had been staffing changes or if different team members handled different stages of the loan. However, aside from that, everything went very smoothly and was easy to navigate. I especially appreciated the electronic signing process. Since my husband and I work different shifts, being able to sign documents electronically made everything much more convenient.

From Start to finish, our assigned specialist worked side by side with us to ensure we had all completed task uploaded and on track to close. Thank you to each and every one of you for your hard work, dedication. Especially to you Randy **, since you were the main point of contact. Again, Kim and I both thank you for a smooth close.

Our Rocket Mortgage experience was great! Faeble did everything she could to make our experience great. She was knowledgeable, personable, professional and very easy to work with! She answered any and all questions we had and if she didn’t know she found the answer. We will definitely use Rocket Mortgage again for any refinances we do in the future!

The AI assistant takes way too long to get to live representative. I had to repeat live representative at least 5 times. Should only take one request.

Such an easy process with friendly staff. I highly recommend Rocket Mortgage. I am letting my money make money, complete home improvements. The visibility from my dashboard kept me updated on progress of my loan.

Benji was extremely helpful and walked us through the entire process. This was a first for us and explained what would happen and when. Also, the Tasks page on the website was super helpful. Even the notary who came to our house was super polite and worked fast.

The process was actually pretty quick and very easy. They walked you through everything. Luay was great to deal with as well. We signed most of the documents online and someone came to our house. It was there maybe 15 minutes to sign the rest of it also experience.

My husband suggested we tap some of our equity to be free of debt before he retired from his current career to start a new one, so I did a quick search for places with good reviews and Rocket seemed to be at the top of the list. This was at the beginning of the year, the rep we got assigned is Mike and he was very helpful; told me exactly what we needed to do, kept the communication up so that my husband and I were both on the same page. During the entire process, we knew exactly what we needed to do and were at in the process. Anytime we had questions, Mike was able to get us an answer. The closing was easy, they came to us and it was very fast. I highly recommend them for refinancing.

Worst experience ever. They told me they could match a competitor's rate. I agreed to rate and terms. They drag out paperwork until the rate lock went out and then stuck me with new terms. They then added 8500 in addition closing costs and increased the rate from 5.8 to 6.3. They dragged it out so that they wouldn’t have to honor the initial agreement. Worse experience ever.

Rocket Mortgage has bought out my mortgage company. I have not been able to pay my bill every time I try to log in. It says I am paid up in full and you cannot talk to anybody. I have tried on the website. I have tried on the telephone. I think this company is a scam. How is it that when I try to pay someone? They don't make it easy for me to take my money. It doesn't make any sense to me. I think they're trying to foreclose on my house.

Very pleasantly surprised how easy and friendly the representative was. Comfortable experience. James ** explained all steps and put us at ease. Would definitely suggest to others to feel free to consider this option. Using the funds to do upgrades and other needs.

Please don’t inquire about any mortgage. Rocket Mortgage gets your info and constantly places ads on my feed even though I’ve opted out three times. The customer chat is pointless. They refuse to take away the ad.

I reach out to Rocket Mortgage when no other company would or could help me with the issues from my previous mortgage company. It was a challenge and they did help me with refinancing and getting out of my old mortgage. So far it has been great. Thank you.

I would like to thank everyone at Rocket Mortgage that participated. In helping us get our home refinanced. Thank you, for excellent customer service. From the loan officer, to the closing agent, to the whole entire staff. Everybody was just phenomenal.

Very smooth and easy closing process for my refinance. Each step of the way was very well communicated and easy to understand. Loved the closing being remote via computer instead of having to take an entire half a day to drive and meet.

I closed a mortgage with Rocket 7 years ago. They collect all their fees and interest for the past 7 years, and I try to open a new mortgage with them with impeccable payment history and no late payments, and I get treated like a number, like a nobody. They have been receiving thousands of dollars from me and refuse to look at establishing a relationship to work with me on future investments. Oh, how things change when you get so big on the backs of people who helped you get there that you forget that it's the people who got you there in the first place. You will just get lost in the sea of people who don't care, you would be better helping a smaller company that treats you like a person, not just a paycheck to collect!

About a year ago, we purchased a new home through Rocket Mortgage. We worked with Sylvie **, and it was a pretty smooth process. I do have a BK on my credit report from about 8 years ago, so we didn't get the best rate at the time. We planned on refinancing at some point down the road. Sylvie told me that if I get my FICO score to 740 or higher, we would get the best available rate. Fast forward to now, May 2026, and we decided to refinance as all three of my FICO scores are above 740.

We had a flawless refinancing experience. Everything truly went smooth from start to finish. Everyone we dealt with was extremely helpful and professional. Only one thing that we would change and it was our fault for not making sure before closing, but nothing that can’t be fixed . Would highly recommended to anyone considering using Rocket Mortgage.

It was a pleasure to work with Angela! Everything from start to finish was made so easy, especially with my crazy work schedule, making timing of things a little difficult. I appreciate everyone who participated in helping with this loan. I’ll definitely keep Rocket Mortgage in mind for the future.

Our experience was completely void of problems. Rocket made the process smooth and easy to complete. Every person we encountered from the Originator, Appraiser and Closer were professional and very knowledgeable. We couldn't have asked for a better transaction.

The process for refinancing was made easy and timely by Nicholas and the Rocket Mortgage app. If I had any questions, I either text or called Nicholas, to which he responded in a timely manner. Closing was made easy by allowing us to pre-sign most people on the documents before meeting with the closing agent.

Was told with a credit check and all documents uploaded that I was approved for a refinance loan. Then when it was time to get the loan they denied me 100% payment rating. This company will deceive you. There are 100 + lenders. Stay away from Rocket Mortgage. Their rates are the highest. You can do better.

I thought everything was professional and efficient. Alex ** was great help setting up the loan and answering questions I had for him. I would advise friends and family to Rocket Mortgage in the future. Thanks.

Jaspreet ** is a scoundrel. Worked hours, financially approved loan. ** made a subjective decision based on conversation, organic about potential liquidity events that would allow me to pay off debts, uncertain as to when they might, if they might, occur. Because I indicated the loan might be paid off in the future, with nothing other than conversation to assess, he determined that I might pay the loan off, therefore he could not approve the loan. RIDICULOUS and time consuming. This is a lousy company. Jon **, who supported the financial analysis, was terrific and deserves a better company.

The only issue I had was the lack of a consistent point of contact to ask and answer questions. I felt kind of pawned off to the next person and ignored by the previous person. I just hated waiting on the customer line for over 30 minutes each time. Other than that everyone was extremely helpful, knowledgeable and made the process very efficient!!

My home loan was bought by Rocket Mortgage recently and I usually made a principal payment 10 to 15 days after my regular monthly payment. Well the principal payment is not being processed or at least hasn't been taken out of my Bank account for over 10 days now. With my other Mortgage Company that I had prior, it would leave my account to them at the 3 day marker. It seems Rocket Mortgage doesn't like their Home Owners paying off their loans and would prefer making loans back to them, as in equity loan or refinancing. I've called and spoke to a representative but He all he said was wait 24 hrs, that was at Day 8 from the day I made the principal payment. Nothing yet! I wish I had my other Mortgage Company back, Rocket Mortgage isn't representing me well.

My whole experience was pleasant and enjoyable. From initial calls until closing was less than two weeks. Matthew was my representative, and he did a fantastic job. Even answering questions after normal business hours! I highly recommend Rocket for your next home loan!

Not an enjoyable experience! We weren’t aware of the costs that came with this process. We had to hire a structural engineer and pay for another certification that we did not realize we needed until very far into this process! If Rocket Mortgage is going to offer to Refinance mobile homes, then they should make it known ahead of time that there may be costs that come with this! The beginning of our process started pretty decent then took a downward spiral daily! Weren’t kept in the loop about things. Constantly had to call for updates and kept having to get transferred to different departments while getting the run around. I understand a lot goes into this process but our experience was definitely not smooth. Definitely wouldn’t use rocket mortgage again for refinance!

Everyone was incredibly friendly and the process was smooth. It was also discovered a change was made to my mortgage during COVID that I did not fully understand previously and the worker was very understanding.

The customer service is absolutely atrocious; months go by without a response via email. When you do call (and get a human being on) you have to wait over 30 minutes to get transferred between multiple departments by inept customer service representatives who have no idea how to answer a question. Oh and this is after you navigate the dumbest and most frustrating IVR on earth. Getting my loan transferred to Rocket was horrendous luck.

Please do not use this Mortgage Company, they rip you off. We are sorry we if ever got a mortgage through them. They doubled our escrow account with made our mortgage double the payment as they had wrong tax information. When we gave them the correct information they refused to correct our payment. The customer service is terrible. Don't sign with them.

Our experience with Rocket Mortgage was fantastic! Everything went smooth and quickly. All the online stuff is simple to use. If you need to talk to someone you can. Everyone is extremely helpful and friendly. They are very knowledgeable at what they’re doing with refinancing and buying homes. I would definitely use them again and recommend to family and friends.

Worst customer service I've ever tried working with. First, AI robots they use are a joke. They keep saying almost anything can be resolved online or thru the Bots. Takes 10 minutes to get to a live person and they can't help. I made my mortgage payment and they never credited the account. Made me jump thru all kinds of hoops to prove I made the payment only to say Customer Service can't give a status on the result. I am so sorry they bought the loan and I can't do anything about it. I would never let them service a loan.

If I could give you a minus star, I would. Your customer service experience is awful. To get to a live agent is like trying to get a law to pass in Congress. I think I have a better chance at winning the lottery than to talk to a person. I hate that my loan was transferred from Mr. Cooper to Rocket Mortgage. Mr. Cooper's customer service is much better.

One day before the closing, Rocket Mortgage asked me to put more down payment, forcing me to go to another lender, thereby losing a lot of money and time.

I was told at closing about PMI, and how it would go away after a while if I made payments on time. Well, it's been 5 years. I called to get rid of my PMI (PRIVATE MORTGAGE INSURANCE). I made every payment on time, plus paid extra on most months, my credit score I have brought to excellent, but when talking to Rocket Mortgage they said that their priority is the investors, not me and sounded angry at me.

We were very frustrated and disappointed with the overall experience. First we were told that the closing costs would be much lower than the $15,000 we were quoted by another company, only to discover that this is almost exactly how much we paid in closing costs. Secondly, the compartmentalization and fragmentation between the different units at Rocket Mortgage caused us to have to provide the same pieces of information many, many times. Third, the time that the overall process took was longer than we were told and the date of our closing was misquoted more than once.

Streamlined process working with competent people that care about customer service. Electronic signing of documents really made it easy.

We have been pleased with our refinancing experience with Rocket Mortgage. Edwin ** was very helpful and answered our questions and addressed our concerns promptly. He always returned calls in a very timely manner. Everyone that I have spoken to with random questions have been knowledgeable and friendly. The person that came to our house at closing was also patient and efficient as well as friendly.

I love that the process was seamless. Eveyone was very friendly, knowledgeable and provided very professional and complete support. I had questions and they had the answers. I REALLY, REALLY appreciate that they don't sell off your mortgage!! That's a big sticking point for me.

Rocket staff were friendly, efficient, and professional. They were knowledgeable about their products. They specified all of my tasks clearly. They answered my questions readily & explained various options for me. Their processes were amazingly quick & highly technical.

We were working with them BUT.. they string us along... They took our 500 dollars for appraisal and didn't do an appraisal and didn't tell us they were taking out 360.00 for credit report and we didn't find this out till we ask for the 500.00 back so we only got 115.00 back!!

I hate their 800 phone number; it's all a machine. I know they have almost all their services online. But when you need to speak with a real person, it's hard to reach them. Then the machine hangs up on you.

I was fooled by their fake marketing and numbers. I have 800+ credit score, excellent income, I offered a 300K collateral house paid in cash. I asked for a 100K HELOC loan as they advertise with 5.99% or a mortgage with decent rates and low closing costs. They offered me higher rates than advertised and very high closing costs. They did a hard pull on my credit to offer me something unacceptable!!! Look for a better service. My loan specialist was Danyl **. I guess she confused my information with another customer.

I am very pleased with Rocket Mortgage. I was going to go through my credit union and received the run around. From the very beginning with Rocket, my questions were answered, promptly. There was no second guessing with them, they were right on, very accurate with what was going to happen, the amounts, rates and dates. The process was swift and smooth. The team I worked with were great. Rocket was recommended to me, and I will definitely be doing the same!

I had a very wonderful experience with Rocket Mortgage. The staff was nothing but knowledgeable, professional and walked us through the whole process. It really did feel like we were fast-tracked meaning the process had a great flow and if there were any questions we got very quick responses. I am excited and happy to continue my journey with Rocket Mortgage. Thanks. Your new client Joel **.

I tried to talk to a person with a simple question but the phone system will not let you talk to a human. If I wanted to use the website I would. I do business with people, not a phone. I will not tell anyone to use you. I will post my experience online. I just wanted to know how to send a principal payment and not interfere with auto pay. Simple question that did not warrant 10 min. of stupidity.

Working with Rocket Mortgage was an outstanding experience from start to finish. The entire process was surprisingly stress-free, organized, and easy to understand, which made a huge difference. What stood out the most was the exceptional customer service. Michael **, was professional and genuinely willing to help. He answered questions clearly, explained each step of the process, and made sure I always knew what to expect next.

Our experience for this loan started with Anabell **, who was so helpful and knowledgeable and very patient in getting us all the information, details and procedures in procuring our loan. Everyone else we dealt with at Rocket Mortgage was very professional and courteous and made our experience very easy to deal with.

From the application process to closing our experience with Rocket in obtaining a home equity loan was completed quickly, easily, and in a friendly, respectful manner. I couldn't be happier with Rocket Mortgage.

Our mortgage was just transferred to Rocket Mortgage from Mr. Cooper when Rocket bought out Mr. Cooper. Without my permission or us giving them our bank account information, they set our monthly mortgage payment up in auto draft. After we get paid on the 25th, we pay the mortgage ourselves, have a credit score of over 800 and have never missed a payment in anything. This time, it caused our bank account to go into the negative and we were charged several overdraft fees from our bank. When I called Rocket Mortgage, they said that when we enrolled in their online banking platform, we had to check a box saying that we did not want our payment to be auto-drafted.

The whole process was easy and Scott was amazing to work with. He walked with me through the process and made sure I understood the details. Everything went very smoothly and quick. Response time to questions was very quick, I was kept informed throughout the whole process. My loan is closed and I am extremely happy with the results of this decision.

They bought my mortgage from Mr. Cooper which has AMAZING customer service. Rocket is nearly impossible to talk to a human. Their Robo phone maze system is completely worthless, and NO you can NOT do EVERYTHING on the website. My rate is good and website is ok to navigate but sometimes you need to TALK to A REAL PERSON and apparently Rocket does not believe in that aspect. Mr. Cooper did its customers a real disservice by selling to these hacks.

I really like the help and services I got with the people who I worked with during my refi. I got taken care of. If I didn't understand something they would take to time to explain all of it to me. I am very thankful for all the help I got and now I feel at ease with my financial outlook.

I can’t be more impressed or satisfied with the service I received. What I thought was impossible was easily attained with everyone’s help. The people made every move smooth. From applying, to home inspection, to finalizing. There was never any negativity, always positive reinforcement.

I highly recommend looking elsewhere for you mortgage needs. They may be friendly and helpful upfront to get your business, but that all changes quickly. Their customer service is chat AI or an automated phone system that bounces you around before hanging up on you. When you are able to speak to someone, they are pretty much useless and there always seems to be a "technical issue" preventing them from providing assistance. Check the BBB site for the complaints.

I just got my mortgage transferred to them. They won't let you talk to a representative and they say, "It seems we are having trouble understanding you. Thank you for calling," and hang up. They never let you speak to anyone. My mortgage is a month ahead and my escrow balance is paid ahead, yet my new bill is higher than what I was previously paying. I am upset that it can just be sold off, and companies like Rocket Mortgage don't care about their new customers.

Servicing issues. Wells Fargo puts holds on checks written by Rocket due to Rocket writing bad checks.

Rocket mortgage was expeditious and thorough throughout the entire process. The employees were helpful and ensured timeliness. They answered all of my questions and made sure that I understood the entire process.

There is no service. You cannot talk to anyone. I am the executor of an estate, and so far, I have requested a payoff 3 times and still haven't gotten one. They transfer you around until you end up back at an automated line. This company is costing this estate money every day that they willingly don't supply a payoff. Today, I got a person after an hour and a half, and then he said that the system was down for an update and no information was available. There is usually so much chatter and noise in the background of the people that you can't understand what they're saying.

I would like to express my sincere gratitude to Dino **, for his assistance throughout the whole process, Philip ** at the final end in providing a friendly response to our questions and concerns, Courteous, friendly and very professional service, I would definitely recommend Rocket Mortgage to our friends and family, Thanks to all.

I went through the entire process to do an IRRL on MY HOME. I own another home with my siblings which is completely paid off with no mortgage at all. These geniuses at Rocket processed everything and decided I needed permission from my siblings to do my IRRL on MY HOME, which they are not on...needless to say when I contacted them, they were apologetic, but totally incompetent. The next time I spoke to them they told me they were waiting for my siblings to "sign-off"...again, I explained my siblings were NOT on MY HOME. I gave up. Incompetence at its finest. I HIGHLY recommend when they ask you if you own any other homes you just say "NO"...just my experience, I still have not gotten my VA IRRL.

Amazing levels of incompetence. They lost my mortgage payoff of $226K after my home burned down. 3 departments all try to pass the buck to the next without resolving the issue or actually providing any value. Then they wanted to seal me a refinance at the end of the call...on a burned down house. I can tell you were the next wave of AI automation is going to be. Don't trust this company with your most precious asset. I wish they never acquired my previous lender.

Process very long and cumbersome, definitely different without personal contact, past experience with other companies and in-person contact is much easier and pleasant, even though it was signed and closed several days ago, I still don't have the funds. My past experiences the company comes to closing with the funds, and documents still waiting?

My mortgage was transferred to Rocket Mortgage in December 2025. Rocket Mortgage performed an escrow analysis and calculated a $7100+ shortage. They stated they only consider the timeframe after their servicing began. My property taxes and homeowners insurance are paid annually and the prior disbursements fall outside of the timeframe being used by Rocket Mortgage. Completing an analysis on basically 1 quarter versus 12 months is excluding my prior contributions to escrow. Their practice has resulted in an inaccurate and overstated shortage and a significant increase in my monthly payment. Despite attempts to resolve this, Rocket Mortgage is refusing to correct the analysis using a full 12 month history.

Took longer than the time estimate provided. Some of the tasks seemed AI generated, and could have been satisfied with information already provided. One of the third-party data collection members was nearly impossible to understand and couldn't comprehend the terms of the credit account being discussed in a conference call.

I expected a smooth experience since I had used Rocket Mortgage in the past, but not this time. I had to stay on top of my loan agent every step of the way. If I didn't email him, the next step never happened. It was just an equity out loan that should have been super quick but it took over a month and I'm still waiting for my creditors to be paid. I'm sorry I chose them. If I had it to do again, I would look elsewhere.

The underwriter/banker was amazing. Prompt, responsive, and helpful. A pleasure to work with. He provided innovative solutions to a challenging loan. The closing department almost ruined the deal. They were unresponsive, sat on the paperwork for a day blowing the closing deadline, and transmitted wrong information to the title closer. If not for the generosity of the seller, Rocket's closing team would have torpedoed the deal.

Regret transferring to RM. Should have sought out a local lender. Unfortunately I was tricked into believing it would be a personalized and fast turn around transaction and instead it was a very inattentive and lengthy process.

The customer service I received from the start to finish of my loan process was outstanding. Justin ** provided superb assistance and kept me informed at every step of the way. If you need assistance with purchasing a home or refinancing a home Rocket Mortgage is the one. They were very professional in closing my loan.

Crystal was our loan officer and she was AMAZING! The entire process with Rocket was great! So seamless and easy. Anytime I reached out to her she was quick to respond and very informative. We love Rocket Mortgage and will be referring friends and family to them.

An old Mr. Cooper I. That is why I chose Rocket for my home purchase. Everything went as planned until the underwriter kept asking for the same things multiple times and between the Realtor, escrow and Rocket there was some lacking in knowledge even though this is the only job they have. From an outsider in real estate it was not a very positive experience at times but eventually everything was worked out after many unnecessary calls and very unnecessary duplicates of the same requests made for more information that everyone has.

Always check to make sure you're added to the deed of your house after a refinance or what you think is a mortgage. After 6 years of paying on my house, I found out that I was never put on the deed of the house I thought I owned due to have a mortgage in my name. Just because my parents were the original owners and when I could put the house in my name, I left my dad on the loan to receive the better APR rate. I was trying to take equity out to fix up my house, just to find out I technically don't own it.