MortgageEditor's ReviewSponsored
Rocket Mortgage Review
America's Largest Mortgage Lender
4.8/ 5.0
Starting RateFrom 6.49% APR
Approval Time8 minutes online
Min. Credit Score620 (conventional)
Min. Down Payment3% (conventional)
Top Pick · Mortgage
Rocket Mortgage
America's #1 mortgage lender
No hard credit pull
CalcMoney Editor's Take
Rocket Mortgage consistently earns top marks for its fully digital application process and transparent rate lock options. For borrowers who value speed and a self-serve experience, it's the strongest choice in 2024.
Pros
- Fully digital application — close from your couch
- Rate lock available upfront, not just at closing
- 24/7 customer support via phone, chat, and app
- Verified Approval provides a stronger guarantee than pre-qualification
- Wide product range: conventional, FHA, VA, jumbo
Cons
- Rates may be slightly higher than local credit unions
- No in-person branch experience
- HELOC not offered directly
Best For
First-time homebuyersRemote or relocating borrowersAnyone who wants full transparency on rates before committing
Run the Numbers First
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Visit Rocket MortgageAdvertiser Disclosure: CalcMoney may earn a commission if you open an account or apply through links on this page. This does not affect our editorial ratings or recommendations.
APR shown is representative and may vary based on creditworthiness, loan amount, and term. Not a commitment to lend.