In January and February 2026, I reached out to fulfill the promise that was made to me when my loan was originated in April 2025 to get my business. I signed because it was my understanding and celebrate managing promises were recorded and confirmed that I could refinance anytime to get a lower rate with rocket without any fees whatsoever. “Zero fees.”
The loan closed on April 1 of 2025. For two months prior to that I worked with Tim Purington to get the loan to close and be financed for my condo here in Florida.
Tim made the promise multiple times that I could refinance the loan anytime in the upcoming 18 months if the interest rates were lower.
In January 2026, I called to start that process. When I was told they wouldn’t honor that promise I asked if I could speak to somebody in customer service. I spoke to Alyssa Guerin. Although she was pleasant to speak with, she could not help me and sent me to yet another “banker”. Before doing so she confirmed that she had heard the recording in question and indeed I was promised on multiple occasions during multiple conversations, and no uncertain terms that I could move my current loan to a lower rate without any fees whatsoever.
Tim Purington was no longer with Rocket so I was referred to David Muniz. When David mentioned he could not help me, I was referred to Jake Sherer.
I spoke recently to several other people who are interested in getting a home loan through Rocket Mortgage. They too are also currently being told that they will be able to lower their interest rate anytime over the next 18 months when/if the rates come down with “no fees whatsoever”.
So the lying continues.
Rocket Mortgage well obviously do anything and say anything in order to get the loan to go through.
In our case, we had and still have excellent credit, we put down 25% and it was only a small loan at $125,000. It is a second home in North Fort Myers Florida.
I was told that I have to pay two points to refinance because it is a second home. This is odd simply because when the loan was originated in April 2025, I did not pay any points. Zero points!
It is truly unfortunately, that they lied get our business and now they won’t honor what was said, even though it was confirmed verbatim.
Since moving to Michigan in 2006 I have financed or refinanced many times with Rocket Mortgage. I will never do it again and I suggest that you also do not. It is truly unfortunate. They have gone so far downhill.
Although I don’t believe their practices are illegal, I believe that somebody should look into the false information they pass along to get new loans.
Do not use Rocket Mortgage!
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Detroit-based Rocket Mortgage, LLC. is the nation’s largest home mortgage lender. It is also one of the nation’s largest FHA lenders and a premier Veteran Affairs (VA) lender. J.D. Power named Rocket Mortgage the Highest in Customer Satisfaction for Primary Mortgage Origination 11 straight years, 2010 through 2020.
