Buying a home is considered the biggest investment that a person can make in his/her lifetime. As important as this investment is, not many people afford to buy a home without some financial boost. This is where home loans come in handy. As an aspiring homeowner, you’re probably having a hard time deciding whether to go the traditional way of applying for a loan or doing it online.

Well, the following are the top 5 reasons why lending from HFG is better than Lending From Rocket Mortgage:

Easy to Qualify

While Rocket Mortgage makes the home loan application process faster, it doesn’t necessarily make it easy for most people to qualify. Without a credit score of at least 700, you may not qualify for a loan with this online solution. Besides requiring a high credit score to qualify for their loans, Rocket Mortgage doesn’t consider alternative credit data to evaluate a borrower’s creditworthiness. It only considers credit scores and debt-to-income ration.

HomeFinancialGroup_0144On the other hand, qualifying for a loan with Home Financial Group is easy. The company not only gives loans to people with good credit scores, but it also caters to people with bad credit. Furthermore, HFG’s loan officers take their time to evaluate alternative credit data in order to assess the borrowers’ financial positions. This greatly improves the borrowers’ odds of getting home loans.

Cost Effective

One of the expectations that most borrowers have is finding a cost effective option that charges the lowest interest rates or closing costs. As much as Rocket Mortgage is a time-saving option, you shouldn’t expect a mortgage from this online service to come cheap. This is because borrowers actually pay for the service. This is not the case with lending from HFG. The company offers home loans at very competitive rates, making it a cost effective option for those looking for a home loan in South Florida.

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Full-Service Lender

If you’re looking for a home equity loan, you’ll not get it from Rocket Mortgage. This is because this online service doesn’t provide home equity loans or home equity lines of credit. Conversely, HFG is passionate about giving loans that help people buy a house. In addition to providing home equity loans, this full-service lender has several lending programs, including:

  1. Bank Statement Program: This program is perfect for self-employed people. It’s also an asset-based financing option that allows people to acquire business loans that are secured by assessing their companies’ finances.
  2. Jumbo Financing with No Mortgage Insurance: With this option, borrowers are required to make a 10% down payment for loans up to $2.5 million, and a 5% down payment for loans up to $1.5 million.

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Gives Back to the Community

While Rocket Mortgage only offers loans to people with high credit scores, HFG goes a step further in serving the needs of all borrowers. Besides offering loans even to those with bad credit, the company embraces the concept of giving back to the community. It donates both its time and resources to numerous foundations. This philanthropic company is also a co-founder of a non-profit organization known as Care Fund, which supports families with sick children who’re struggling with their rent or mortgage payments.


In short, Rocket Mortgage will not be an ideal option for you if you’re self-employed with fluctuating income levels, have poor credit, started a new business in the last year or so, or if you’re looking for a loan to buy a second home. The online service may signify a huge leap forward in the home lending technology, but HFG is way better in comparison.

Questions? Contact Home Financial Group Today!
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    Home Financial Group

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    NMLS# 305389

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    Home Financial Group

    13790 NW 4th Street Unit 110
    Sunrise, Florida 33325
    (954) 370-4849
    NMLS# 305389

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