For Home Buyers

BorrowSmart Access℠

Buying a home in one of 10 metro areas? You could save up to $3,000 on your upfront home buying costs with this special-purpose credit program with Rocket Mortgage®.1
A Black man with glasses, backwards baseball cap, and a nose ring smiles as he prunes a tree in his backyard.A Black man with glasses, backwards baseball cap, and a nose ring smiles as he prunes a tree in his backyard.

The home loan that opens doors with lower costs.

Get A Base Credit Of $1,500

You can use it toward your down payment or closing costs.

Rocket Mortgage Contributes Another $1,500

We’ll lower your costs even more.

30-Year Conventional Fixed Loan

Payments spread over 30 years are lower, and your interest rate stays the same.
A multiracial family stands in front of their brick home, the father holding the baby in front of him while the mother smiles.

Comparing BorrowSmart Access

Everyone’s situation is different. What might be right for one person might not be right for you. Apply or contact us – it’s the best way to explore your unique options.

Income Cap

Credit Towards Upfront Costs

Mortgage Insurance

Explore Loan Details

BorrowSmart Access

Income Cap

Credit Towards Upfront Costs

Up To $3,000

undefined

Mortgage Insurance

Standard Pricing

undefined

Income Cap

Credit Towards Upfront Costs

Up To $7,000

Learn More

Mortgage Insurance

Reduced Pricing

Learn More

/home-loans/one-plus

Learn More

Income Cap

Credit Towards Upfront Costs

Up To $3,500

Learn More

Mortgage Insurance

Reduced Pricing

Learn More

/home-loans/homeready-and-home-possible

Learn More

One+ By Rocket Mortgage®

Income Cap

Credit Towards Upfront Costs

Up To $3,000

undefined

Mortgage Insurance

Standard Pricing

undefined

Income Cap

Credit Towards Upfront Costs

Up To $7,000

Learn More

Mortgage Insurance

Reduced Pricing

Learn More

/home-loans/one-plus

Learn More

Income Cap

Credit Towards Upfront Costs

Up To $3,500

Learn More

Mortgage Insurance

Reduced Pricing

Learn More

/home-loans/homeready-and-home-possible

Learn More

HomeReady® & Home Possible®

Income Cap

Credit Towards Upfront Costs

Up To $3,000

undefined

Mortgage Insurance

Standard Pricing

undefined

Income Cap

Credit Towards Upfront Costs

Up To $7,000

Learn More

Mortgage Insurance

Reduced Pricing

Learn More

/home-loans/one-plus

Learn More

Income Cap

Credit Towards Upfront Costs

Up To $3,500

Learn More

Mortgage Insurance

Reduced Pricing

Learn More

/home-loans/homeready-and-home-possible

Learn More
Start My Approval

Frequently Asked Questions

Answers to questions about this loan we heard from people like you.
Learn More About Home Buying

BorrowSmart Access can put your homeownership dream within reach.