About
Rock Mortgage
More Than Mortgages
Enhancing Lives Through Action
What makes Rock Mortgage different?
At Rock Mortgage we understand your loan is more than a payment you make every month. It’s what provides you an amazing home and lifestyle you’ve always dreamed of.
We also know how stressful the home buying process is, so our goal is to make the mortgage process as stress-free as possible. So, stop worrying and enjoy finding your new home!
First Time Home Buyers in Houston May Not Need a Significant Down Payment
A down payment of 20%, or one-fifth of the total purchase price, is often recommended as appropriate for first-time home buyers. Even with Houston home prices being below the national average, this can be an unattainable goal. The good news is, in most cases, a 20% down payment is not necessary to secure a mortgage. Depending on the loan you choose, you may only need to make a down payment of up to 3.5%. With some mortgage products, there is no down payment required at all.
While this makes mortgages much more attainable for people of modest means, there is a tradeoff involved. First-time home buyers Houston who make a low down payment typically have to pay mortgage insurance as part of their monthly mortgage payment. This is separate from the homeowner's
policy that you have to obtain to secure your mortgage, protecting you from damage to your property. You must factor both the mortgage insurance and the homeowner's insurance premium into your monthly mortgage payment when determining whether you can afford it.
Exceptional CUSTOMER SERVICE RATINGS
97.9% recommendation rating over 150+ reviews.
MULTIPLE MORTGAGE PRODUCT LINES
Regardless of your current situation, we may have a loan that works for you
SPECIAL MORTGAGE PROGRAMS
We offer non-traditional mortgage programs you may not find with other lenders.
Customer-first approach
Helping you enhance your life with a new home is the reason we love what we do. We also understand how important it is to have a trusted advisor during this process, which is why you’ll work with the same person the entire time.
On-time closings
There are a lot of moving parts that happen during a home loan closing, which is why it’s not surprising that closing dates often get pushed back. However, with our approach and constant communication, we have developed a reputation of having the vast majority of our loans close on or before the closing date.
Constant Communication
During the home buying process you’ll sometimes feel overwhelmed and lost on what the next steps are. This is why we stay in constant communication with you during the entire process. Doing so allows you to stop worrying about unknowns and instead focus on the fun things — like what color will you be painting the walls?
Customer-first approach
Helping you enhance your life with a new home is the reason we love what we do. We also understand how important it is to have a trusted advisor during this process, which is why you’ll work with the same person the entire time. In addition, everything we do is done in-house — nothing is outsourced.
On-time closings
There are a lot of moving parts that happen during a home loan closing, which is why it’s not surprising that closing dates often get pushed back. However, with our approach and constant communication, up to 94% of all our loans close on or before the close date.
Constant Communication
During the home buying process you’ll sometimes feel overwhelmed and lost on what the next steps are. This is why we stay in constant communication with you during the entire process. Doing so allows you to stop worrying about unknowns and instead focus on the fun things — like what color will you be painting the walls?
Meet our Amazing Team!
Eduardo Adame
Senior Partner
Eduardo Adame is one of the two founding Partners of Rock Mortgage and has more than 20 years of experience in the Mortgage Industry.
Michael Ogg
Senior Partner
Mike is one of the two founding partners of Rock Mortgage and has been in consumer lending 33 years with the last 21 years focused in the mortgage business.
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