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.
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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

Yes

Credit Towards Upfront Costs

Up To $3,000

Mortgage Insurance

Standard Pricing

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

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One+ By Rocket Mortgage®

Income Cap

Yes

Credit Towards Upfront Costs

Up To $3,000

Mortgage Insurance

Standard Pricing

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

Yes

Credit Towards Upfront Costs

Up To $3,000

Mortgage Insurance

Standard Pricing

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

Get More In-Depth Details

A Black father and daughter sit close together. The father writes on a piece of paper while the daughter watches.

3-Minute Read

Guide To BorrowSmart Access

Read The Article
A Black mother and father with their three kids sit on a couch while the mom holds up a set of house keys.

7-Minute Read

What’s A Special-Purpose Credit Program?

Read The Article
A mother and child sitting together, backlit by bright sunlight streaming in through a window behind them.

6-Minute Read

Down Payment: What Is It And How Does It Work?

Read The Article
A Black father and daughter sit close together. The father writes on a piece of paper while the daughter watches.

3-Minute Read

Guide To BorrowSmart Access

Read The Article
A Black mother and father with their three kids sit on a couch while the mom holds up a set of house keys.

7-Minute Read

What’s A Special-Purpose Credit Program?

Read The Article
A mother and child sitting together, backlit by bright sunlight streaming in through a window behind them.

6-Minute Read

Down Payment: What Is It And How Does It Work?

Read The Article
A Black father and daughter sit close together. The father writes on a piece of paper while the daughter watches.

3-Minute Read

Guide To BorrowSmart Access

Read The Article
A Black mother and father with their three kids sit on a couch while the mom holds up a set of house keys.

7-Minute Read

What’s A Special-Purpose Credit Program?

Read The Article
A mother and child sitting together, backlit by bright sunlight streaming in through a window behind them.

6-Minute Read

Down Payment: What Is It And How Does It Work?

Read The Article

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.