Consumer complaint received 2026-05-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: Rocket Mortgage, LLC
State: VA

Complaint narrative:
Hello, On approximately XX/XX/XXXX, I applied for a mortgage loan with Rocket Mortgage XXXX ( XXXX ) and received a loan number ( XXXX ). Through the automated system I was asked to put down over {$120000.00} though I indicated I'd be using the equity in my home which was presumed to be {$70000.00} as a source for the down payment on a new home and selling my current home. I called Rocket Mortgage on XX/XX/XXXX to follow up and see if that information was a discrepancy and spoke with XXXX XXXX. After not hearing back from her, I called in to follow up and asked to have the loan serviced moving forward by another professional. I was serviced my XXXX XXXX XXXX ( XXXX ). When discussing my income to prepare for a pre-approval it was stated I wouldn't qualify for a FHA loan because I was self-employed with XXXX EINs and that FHA would not accept the loan because I had XXXX EINs. When I informed him that I had been considered for FHA loans in the past and that my income was combined. He stated he spoke to his supervisor who works with FHA and they stated it would not be possible to combine the income from XXXX EINs. XXXX then stated I had negative income under XXXX of the EINs which would prevent me from qualifying. He stated I could only do a conventional loan for {$320000.00} as the XXXX loan amount. I stated as a self employed individual my income would be looked at based on the total income I brought in for the years being reviewed and not based on if I use only XXXX XXXX. Though in XXXX there was a negative balance for XXXX of the EINs the total amount earned as listed on Schedule line XXXX showed a slight increase in income from {$120000.00} in XXXX and {$130000.00} in XXXX. I am filing a complaint due to the false information stated to prevent my access to receive a loan under FHA. Additionally based on my income and XXXX I would qualify for a higher amount for a conventional loan, if that were to be used. My total debts as of the time I applied were $ XXXX. In speaking with XXXX XXXX, I agreed to pay XXXX loan through the sell of the home which would lower the debt to {$1600.00}. Based on my combined monthly income of {$10000.00}. I would be able to afford {$3000.00} for housing expenses and remain well within the XXXX XXXX for FHA and conventional loans for a higher loan amount up to or above the amount I originally requested which was {$400000.00}. When I spoke with XXXX XXXX XXXX # XXXX, she also insinuated that I'd have difficulty qualifying for a {$400000.00} mortgage and that at XXXX I'd be able to afford {$2800.00} a month but that would not include any of the taxes and insurance which is untrue. In the area I was looking in a {$400000.00} home yielded a $ XXXX {$3200.00} a month fee including taxes, insurance and HOA depending on the location of the home. It appeared after speaking with XXXX representatives that there was an attempt to block me from accessing a mortgage loan through their company without looking objectively at my income, XXXX and the loan amount requested.

Company response to consumer: Closed with explanation