Latest Rocket Mortgage Interest Rates - September 2026

Rocket Mortgage Interest Rates & Loan Products Overview

Quick Summary: Key mortgage financing rates and retail credit products published by Rocket Mortgage (ROCKET) and affiliated Rocket Companies:

Featured Rates & Products:

• Residential Mortgages: 30-Year Fixed purchase conventional mortgage interest rates start at 7.125% (7.423% - 7.436% APR with purchase points), while 15-Year Fixed rates start around 6.125% to 6.500% and 5-Year ARM initial rates start from 5.875% (6.631% APR). Loan options allow down payments as low as 1% to 3% (up to 97% LTV) with no prepayment penalties.
• Deposit Accounts & Retail CDs: Rocket Mortgage is an independent non-bank mortgage originator and servicer; retail deposit accounts and Certificates of Deposit (CDs) are not offered.
• Personal Loans: Unsecured personal installment loans are provided through sister company Rocket Loans, offering financing from $2,000 to $75,000 with fixed APRs from 7.99% to 29.99% (with AutoPay discount) and terms of 36 to 60 months.
• Auto Financing & Credit Cards: Direct auto purchase loans and standalone retail credit card products are not currently originated directly under the standard retail lineup.
• Benchmark Index: The reference U.S. Wall Street Journal Prime Lending Rate stands at 6.75%.

💡 Financial Tip: Homebuyers with modest down payment savings can consider the Rocket Mortgage ONE+ program, which requires only a 1% down payment from the buyer while Rocket Mortgage contributes a 2% grant towards the purchase.