Consumer complaint received 2025-11-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Rocket Mortgage, LLC
State: MO

Complaint narrative:
This complaints concerns the successor of interest process with Rocket Mortgage. My brother and I have been communicating with Rocket Mortgage since both our aunt and uncle passed away leaving a home that my brother has maintained payments on since my uncle died XX/XX/XXXX. There was no will or trust. There is XXXX heir, our cousin, who did not want the home and willingly allowed my brother to keep the home. Around XX/XX/XXXX when we realized the home was about to go into foreclosure, my brother and I started working with Rocket Mortgage to see what needed to be done so he could assume the loan and become successor. We were told by Rocket Mortgage on numerous occasions and emailed a document " Affidavit Confirming Successor of Interest '' to begin the XXXX XXXX XXXX process which needed to take place through Transfer Through Probate. During this process which has taken over a XXXX, we got court approved documents showing that my brother has been transferred the property through a XXXX  XXXX, filed letters testamentary ( order disallowing probated claims and administration ), and other requested documents such as death certificates. These court documents and other supporting documents were emailed to Rocket Mortgage on XX/XX/XXXX. Since that time, my brother and I have called Rocket Mortgage numerous times to find out the status on confirming my brother as successor. We were told so many different things including the following ( my brother can't be confirmed successor but no reason why ; submit more documents but they wouldn't tell us what to submit -- " just submit more documents and we will see '' ; we need to talk to the successor -- the heir ; we can't give you any information, this doesn't happen alot so I'm not sure what to tell you, etc. ). I finally was able to talk to someone in their XXXX office and they stated to have the heir or successor call in for next steps. My cousin " the heir '' did call again on yesterday, XX/XX/XXXX, and now Rocket Mortgage is stating that given the investors are only allowing the current loan to be transferred to a child or spouse of the deceased and that the home will go into foreclosure if nothing is done by XX/XX/XXXX. 

This is the XXXX mention of a foreclosure and no notifications via mail have been sent regarding a foreclosure. We feel we have been taken advantage of and discriminated against as we have followed every step that Rocket Mortgage told us to follow. And now, Rocket Mortgage won't acknowledge their own process that they told us to follow. This is extremely frustrating and we can't even grieve the deaths of our aunt and uncle and move on from this process and have been running in circles with no resolution from Rocket Mortgage. We faithfully made payments on time every month since we found out about the foreclosure in XXXX and the payments on the home are current.

Company response to consumer: Closed with explanation