1: Home Equity Loan product requires full documentation of income and assets, credit score and max loan-to-value (LTV), combined loan-to-value (CLTV), and home equity combined loan-to-value (HCLTV) ratios. Requirements were updated 2/5/2024 and are tiered as follows: 680 minimum FICO with a max LTV/CLTV/HCLTV of 80%, 700 minimum FICO with a max LTV/CLTV/HCLTV of 85%, and 740 minimum FICO with a max LTV/CLTV/HCLTV of 90%. Your debt-to-income ratio (DTI) must be 50% or below. Valid for loan amounts between $45,000.00 and $500,000.00. Product is a second standalone lien and may not be used for piggyback transactions. Product not available on Schwab products. Guidelines may vary for self-employed individuals. Some mortgages may be considered “higher priced” based on the APOR spread test. Higher priced loans are not allowed on properties located in New York. Additional restrictions apply. This is not a commitment to lend.

The payment on a $150,000 20-year fixed-rate loan at 6.99% is $1,162.05. The annual percentage rate (APR) is 7.235% and the loan-to-value ratio (LTV) is 19% for the cost of 1.50 points ($1,875) due at closing. One point is equal to one percent of the loan amount. Payment does not include taxes and insurance premiums. The actual payment amount will be greater. Rates shown valid on publication date of November 21, 2024. Some state and county maximum loan amount restrictions may apply.

2: Client will receive 24 bps credit on all eligible loans locked through the Rocket Pro TPO portal during the promotional period and an additional 20 bps discount if the lock is on an FHA or VA loan. The 24 bps credit offer is valid from November 4, 2024, 10:00 am ET through December 29, 2024, 11:59 pm ET. The additional 20 bps credit is valid from November 20, 10:00 am ET through December 29, 2024, 11:59 pm ET. Offer is not valid on Jumbo, Home Equity, or Bank Statement loans. This offer cannot be retroactively applied to previously closed or locked loans. Rocket Mortgage reserves the right to cancel/modify this offer at any time. Offer is nontransferable. Offer is not valid with any other discounts or promotions including ONE+ and Welcome Home RateBreak. Additional restrictions/conditions may apply. This is not a commitment to lend.

3: Client will receive a lender credit of $2,500 if client’s loan is not cleared to close within 15 business days of a new purchase loan application submitted. Offer valid only on conventional and jumbo loans. Offer not available in all states. Additional restrictions apply. Offer period runs between December 9, 2024, and January 31, 2025, for all eligible loans that are registered on or after December 9, 2024, and submitted to Underwriting by January 31, 2025. Partner/client must submit all required documentation, including appraisal and clear title for final review, by 8 pm ET on the 13th day before the end of the offer period to qualify. Appraisal must be ordered within 24 hours of the loan being submitted to underwriting. Partner must have title fully cleared and provided by the 13th day of the offer period. Client is only eligible for the $2,500 lender credit if Rocket Mortgage is solely responsible for failing to clear the loan to close by the offer period. If the loan fails to close outside of Rocket Mortgage’s control for any reason, including, but not limited to, new information that changes the underwriting approval decision to a denial of credit request, lack of satisfactory insurance or appraisal, title issues or client disengagement or refusal to respond, then the client is not eligible for the $2,500 lender credit. Rocket Mortgage reserves the right to cancel/modify this offer at any time. Offer is nontransferable. This is not a commitment to lend.

The acquisition fee of $999 is waived for a Correspondent Lender if their client's loan is not cleared to close within 15 business days of Rocket Mortgage’s receipt of all necessary documents to underwrite the loan. Offer valid only on conventional and jumbo loans. Offer not available in all states. Additional restrictions apply. Offer period runs between December 9, 2024, and January 31, 2025, for all eligible loans that are registered on or after December 9, 2024, and submitted to Underwriting by January 31, 2025. Correspondent Lender must submit all required client and third-party documentation, including but not limited to title commitment and appraisal, for final review by 8 pm ET on the 13th day before the end of the offer period to qualify. For Correspondent Assist loans, if the Correspondent Lender would like Rocket to obtain the Verbal Verification of Employment, it must be assigned to Rocket by 8PM EST on the 5th day before the end of the offer period.The Correspondent Lender is only eligible for the waived acquisition fee if Rocket Mortgage is solely responsible for failing to clear the loan to close by the offer period. If the loan fails to close outside of Rocket Mortgage’s control for any reason, including, but not limited to, new information that changes the underwriting approval decision to a denial of credit request, lack of satisfactory insurance, appraisal, title issues or client disengagement or refusal to respond, then the $999 fee will not be waived. Rocket Mortgage reserves the right to cancel/modify this offer at any time. Offer is nontransferable. This is not a commitment to lend.

Offer excludes VA, FHA, Self-Employed Assist and any loan utilizing down payment assistance programs. Offer not available in Alaska, Oregon, Kansas, Maine, New York, North Dakota, South Dakota or West Virginia. Offer not available on multiunit houses, manufactured homes, condominiums, co-ops, new-construction or properties valued at over $2 million and any loan that requires any appraisal products outside of a single standard subject property valuation appraisal.

4: Clients will not be charged the origination fee (processing fee for New Jersey) on Home Equity Loans when they lock their rate on or after December 26, 2024, to February 2, 2025. Additional restrictions/conditions apply. This offer cannot be retroactively applied to previously closed loans, previously locked loans or loans with a previously disclosed Loan Estimate. Acceptance of this offer constitutes acceptance of these terms and conditions, which are subject to change at the sole discretion of Rocket Mortgage. Offer is nontransferable. Not valid with any other discounts or promotions. This is not a commitment to lend.