Rocket Mortgage
Best Online ExperienceRocket Mortgage
4.5
6.50%–7.80% APR$85,000–$2,500,000Min credit: 620+
APR Range
6.50%–7.80%
Loan Amount
$85,000–$2,500,000
Term
180–360 mo
Origination Fee
—
Our take
Easiest online application in the industry. Not always the lowest rate but the experience is unmatched.
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Full details
| Minimum loan amount | $85,000 |
| Maximum loan amount | $2,500,000 |
| Lowest APR | 6.50% |
| Highest APR | 7.80% |
| Shortest term | 180 months |
| Longest term | 360 months |
| Minimum credit score | 620+ |
| Funding speed | 21-30 days |
Frequently asked questions
What is the APR range for Rocket Mortgage?
Rocket Mortgage offers APR from 6.50% to 7.80%. Your actual rate depends on creditworthiness, loan amount, and term length.
How much can I borrow with Rocket Mortgage?
Loan amounts range from $85,000 to $2,500,000. The amount you qualify for depends on your income, credit score, and existing debt.
What credit score do I need for Rocket Mortgage?
A minimum credit score of 620 is typically required. However, meeting the minimum doesn't guarantee approval — lenders also consider income, debt-to-income ratio, and employment history.
How fast can I get funded with Rocket Mortgage?
Rocket Mortgage typically funds loans within 21-30 days. Actual funding time may vary based on verification requirements and your bank.
Is Rocket Mortgage worth it?
Easiest online application in the industry. Not always the lowest rate but the experience is unmatched.
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Verified Mar 2026
Rocket Mortgage