The app is just so easy. I did 90% of my application while sitting on my couch during a commercial break. No piles of paperwork or faxing stuff back and forth.

They call and text way too much. I just wanted a quick rate quote and now I’m getting three calls a day from 'loan experts' trying to close the deal. Give me some space!

The rates were a little higher than my local credit union, but I paid the 'convenience tax' because their tech made the home-buying process so much less stressful.

I loved that I could customize my loan term. I didn't want a 15-year or a 30-year, so I went with an 18-year fixed to match when my kid starts college. That kind of flexibility is something you just don't see at the big banks.

Rocket is great if your situation is simple, but if you have anything 'weird' in your credit history, be prepared to get a lot of automated 'no' answers. It can feel a bit robotic and cold if you're looking for a lender to actually listen to your story.