Rocket
Cash-out refinance, HELOC, and home equity loan under one brand.
Home equity
Rocket Mortgage offers a HELOC and a fixed home equity loan. Both sit behind the first mortgage if you already have one. Underwriting is fuller than a pure fintech HELOC, and timelines are typically weeks, not days.
Mortgage refinance
Cash-out refinance is a core Rocket product. The new first mortgage pays off the old one and wires the difference, subject to LTV caps (often around 80% for conventional cash-out). This is the path that reprices the entire balance.
Home equity investment
Rocket does not offer a home equity investment.
- Use Rocket when you want the first-lien and second-lien quotes from the same desk.
- A low existing rate usually loses to a second lien, not a cash-out.
- Brand servicing is part of what you are paying for.
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