Rocket Mortgage | Quicken Loans

Refinance Buy a Home

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Refinance Buy a Home

Highest in customer satisfaction in the U.S. – J.D. Power

J.D. Power trophies for Primary Mortgage Origination for years 2010 through 2016.

J.D. Power trophies for Mortgage Servicing for years 2014 through 2016.

Highest in Customer Satisfaction for Primary Mortgage Origination, Seven Years in a Row, and Mortgage Servicing, Three Years in a Row

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Can I make changes to my loan after I'm approved for my refinance?: You can still make changes to your loan once you're approved. Keep in mind that changing certain loan details might change the other terms of your loan, such as your rate.
What happens next?: Once you've found a solution that works for you, it's time to see if you're approved for it. This is where we'll look at all the information you provided and the solution you selected to see if we can approve the loan. If you're approved, the next step is to lock your rate.
Customize Your Rate, Costs and Term: Don't like what you see? You can customize your solution to fit your needs in the section below. Check out this video to learn more about customizing your solution to fit your needs.
Fixed Rate/APR: Your interest rate is the rate you'll pay on your loan balance. The annual percentage rate (APR) is an interest rate that tells you more about the actual cost of the loan. For example, if you're paying discount points upfront to get a lower rate and monthly payment, the APR will include the cost of those points. That's why the APR is sometimes considered the true cost of the loan.
Liens Being Paid Off: These are the liens you indicated you wanted to pay off with this loan. If you see something you didn't expect, we may have had to change which liens are paid off or subordinated to show you a solution.
Estimated Closing Costs: Closing costs are fees that are associated with closing a loan, but we include them in the loan amount so you don't have to pay out of pocket. We've provided you with an estimate, but you can see a breakdown of these costs in the New Loan Amount section below.
Lender and Third-Party Fees: The amount here can include things like your appraisal fee and title insurance. This number is an estimate, but we'll be able to give you final numbers as you move forward.
Discount Points: A point (or discount point) is an upfront fee paid to lower your interest rate. Each point costs 1% of the total loan amount. For example, on a $200,000 loan, one point costs $2,000. Paying points can lower your monthly payment and help you save on interest over the life of your loan.
VA Funding Fee: A VA funding fee is a one-time cost associated with obtaining a VA loan. The funding fee helps offset the cost to taxpayers of administering the loan.
Upfront Mortgage Insurance Premium: If you get an FHA loan, you'll be required to pay a mortgage insurance premium. However, we roll this cost into your loan so you don't have to pay it out of pocket at closing.
Estimated Escrow Account Funds: An escrow account is a dedicated account where your money is held so we can pay your property taxes and insurance premiums on your behalf. Including these funds ensures there's enough money in your escrow account to pay tax and insurance bills as they come due.
Estimated Per Diem Interest: Per diem interest is accrued daily between closing and the date your first mortgage payment is due.
Interest Rate Lock Period: Once you're approved, you can lock your interest rate for the period shown here. Locking your rate will prevent your rate from going up before your loan closes.
Funds Needed in Reserve: To qualify for this loan, you'll need to have this amount available (in a saving account or stocks, for example) at the time of closing.

Can I change my solution after I get approved for a home purchase?: You can still make changes to your loan once you're approved. Keep in mind that your rate may change if you make adjustments to the property you want to buy, the loan amount or the loan program.
I see my solution below. What happens next?: You can customize your term and other loan options on this screen. Once you've adjusted your loan and are ready to move forward, click See if I'm Approved.
What are discount points?: A point (or discount point) is an upfront fee paid to the lender to lower your interest rate. Each point costs 1% of the total loan amount. For example, on a $200,000 loan, one point costs $2,000. Paying points can lower your monthly payment and help you save on interest over the life of your loan.
What are closing costs?: Closing costs are fees that are associated with buying a home. Your closing costs can include appraisal fees, title insurance, discount points and more.
What does this include?: These items include your estimated homeowners insurance premium and taxes. You're required to pay for these in advance to ensure you always have enough money to pay for your annual property taxes and insurance premiums when they come due.
What is an escrow account?: An escrow account is a dedicated account where your money is held so we can pay your property taxes and insurance premiums on your behalf.
What is per diem interest?: Per diem interest is interest that's accrued daily between closing and the date your first mortgage payment is due.
What is a tax proration?: This is the amount of the home's tax responsibility that you are required to pay to the seller.
What is a tax proration credit?: This is the amount of the home's tax responsibility that the seller is paying to you.
What is a lock period?: Once your home offer is accepted by a seller, and you sign and send us a purchase agreement, you can lock the rate for the period shown here.