Rocket Mortgage assumption timeline
5 community reports · #1 fastest of 12 servicers.
Median
61 d
Average
2.7 mo
Range
45–137 d
Average days by loan type
| Loan type | Reports | Median | Average |
|---|---|---|---|
| VA | 3 | 61 d | 81 d |
| Not stated | 2 | — | — |
Common holdups
- Lost or re-requested documents2×
- Release of liability / seller paperwork2×
- VA entitlement or VA approval1×
- VA~137 days
Same investor: Rocket was fastest at ~4.5 months — rough at first, great once in final underwriting.
- VA~61 days
Non-veteran spouse assumed the VA loan with Rocket; quit claim first, then VA forms. "It took about 2 months."
- VA entitlement or VA approval
- VA~45 days
"About 45 days from initial packet to clear to close." Pre-approval done through the seller's servicer (Rocket).
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