Introduction
If you’re considering getting a mortgage or refinancing your home, you may have come across Rocket Mortgage, one of the most well-known online mortgage lenders. But a common concern for potential customers is: “Will Rocket Mortgage call me?“ This question arises due to concerns about privacy, follow-ups, and the loan application process.
In this article, we’ll explore when and why Rocket Mortgage might call you, what to expect, and how you can manage these communications. We’ll also provide expert insights, common FAQs, and actionable tips to ensure a smooth mortgage application process.
Why Would Rocket Mortgage Call You?
Rocket Mortgage, like any other lender, may reach out to you for several reasons. Understanding these reasons can help you be prepared and make informed decisions.
1. Initial Inquiry Follow-Up
- If you’ve submitted an inquiry on their website, they may call to:
- Verify your interest in a mortgage or refinance.
- Explain loan options based on your profile.
- Guide you through the next steps.
2. Application Verification & Documentation Requests
- After applying, expect calls regarding:
- Verification of employment and income.
- Request for additional documents such as tax returns or bank statements.
- Clarification on specific financial details.
3. Loan Approval & Underwriting Updates
- During the loan process, Rocket Mortgage might contact you to:
- Notify you of pre-approval status.
- Update you on underwriting progress.
- Request further documentation if needed.
4. Closing & Finalization
- As you approach the closing stage, they may call to:
- Confirm closing dates and procedures.
- Ensure all required documents are signed.
- Address any last-minute questions or concerns.
5. Marketing & Special Offers
- If you’ve previously interacted with Rocket Mortgage, they might reach out about:
- New interest rate offers.
- Refinancing opportunities.
- Special programs tailored to your financial situation.
How to Manage Rocket Mortgage Calls
If you are concerned about receiving too many calls, there are ways to manage communication effectively:
1. Opting Out of Marketing Calls
- Rocket Mortgage allows customers to opt out of promotional calls.
- You can request this by calling their customer service or adjusting preferences in your online account. Learn more about stopping unwanted calls from the Federal Trade Commission (FTC).
2. Setting Communication Preferences
- Choose your preferred mode of communication: phone, email, or text.
- Specify when you’d like to be contacted.
3. Blocking Unwanted Calls
- If you receive excessive calls, you can block numbers using your phone’s settings.
- Register your number on the National Do Not Call Registry (DoNotCall.gov) to reduce telemarketing calls.
Frequently Asked Questions (FAQs)
1. Will Rocket Mortgage call me if I only check rates online?
Rocket Mortgage may follow up with you via email or a call if you voluntarily provide your contact details while checking rates.
2. How can I stop Rocket Mortgage from calling me?
You can opt out of marketing calls by updating your communication preferences in your online account or contacting customer support.
3. Are Rocket Mortgage calls legitimate?
Yes, but always verify the caller’s identity before sharing personal information to avoid scams. Official calls will come from their verified contact numbers. The Consumer Financial Protection Bureau (CFPB) offers guidance on identifying legitimate financial institutions.
4. Can I apply for a mortgage without speaking to anyone?
Yes, Rocket Mortgage offers a fully online application process, but you may need to interact with a representative if additional verification is required.
5. What should I do if I suspect a scam call from Rocket Mortgage?
If you receive a suspicious call, hang up and contact Rocket Mortgage directly through their official website to confirm its legitimacy. Visit the Federal Trade Commission’s fraud alert page (FTC.gov) to learn how to report scam calls.
Conclusion
Rocket Mortgage may call you for legitimate reasons, such as following up on inquiries, verifying your application, or providing important updates. However, you have full control over how and when they contact you. By setting preferences, opting out of marketing calls, and staying vigilant against potential scams, you can ensure a smooth and hassle-free mortgage process.
If you’re ready to explore mortgage options, visit Rocket Mortgage’s official website to get started today!