Rocket Pro is extending its 100-basis-point stacked pricing credit through May while expanding its Non-QM offerings, giving brokers both a continued purchase-market pricing advantage and more flexibility for borrowers who fall outside traditional lending guidelines.
The wholesale arm of Rocket Mortgage said its latest monthly “Power Play” will keep in place a combined credit made up of a 60-basis-point purchase credit and a 40-basis-point Compass-related credit. Rocket Pro first rolled out the monthly Power Play concept after announcing that it would introduce a new broker-focused offering on the first Tuesday of each month.
April’s initiative centered on giving brokers a stronger pricing position in purchase transactions. Now, Rocket Pro is extending that advantage for another month, citing stronger-than-expected broker interest.
“An extension is really all about doubling down on what’s working,” Rocket Mortgage Chief Revenue Officer Austin Niemiec told National Mortgage Professional. “Brokers are absolutely crushing it with us, with Compass, and with this double-stack credit.”
Niemiec said Rocket Pro is approaching a point where nearly 20% of its purchase loans are being done with a Compass agent.
“The adoption and the feedback exceeded our expectations across the board,” Niemiec said. “We're putting significant pricing power in brokers' hands.”
Rocket Pro is also expanding its Non-QM capabilities, giving brokers more flexibility at a time when affordability pressure, inventory constraints, and more complex borrower profiles continue to complicate purchase transactions.
Brokers will have access to increased loan limits of up to $3.5 million on Non-QM products, cash-out options up to $2.5 million, and unlimited cash-out below 65% loan-to-value. Debt-to-income limits on Non-QM loans are also being expanded to 50%, and second homes will now be eligible for Non-QM cash-out transactions.
Niemiec framed the Non-QM expansion as part of Rocket Pro’s broader effort to help brokers find more ways to say yes in a tougher market.
“Borrowers today are more complex than they were 5 years ago,” Niemiec said. “A lot of them don't fit within the traditional guidelines, and so if you want to grow right now, and you want to win in the purchase space, you've got to find ways to say yes.”
He said the expanded guidelines are designed around what both brokers and real estate agents are asking for, including higher loan amounts, more cash-out flexibility, expanded DTI limits, and second-home cash-out eligibility.
“There's more demand for these products, as borrower profiles get more complex in this new world, and we're just adapting with the world for our brokers,” Niemiec said.
The second-home cash-out change, in particular, responds to borrower behavior in a high-equity, high-rate environment, Niemiec said. More homeowners are choosing to hold onto properties longer than they may have originally planned, creating demand for additional cash-out options.
“Equity is at an all-time high right now, and so to be able to offer a Non-QM second home cash out, there's just a lot of demand for it,” Niemiec said. “Our brokers were asking for it, and so we built it, and we delivered it.”
On the DTI expansion, Niemiec emphasized that Rocket Pro still views the loans as high-quality, pointing to FICO and loan-to-value requirements as guardrails.
“Moving the DTI to 50% just gives our brokers a little bit more flexibility to qualify, but this is a incredibly high-quality loan,” he said.
The company is also making the expanded Non-QM options available through both Rocket Pro’s portal and the ARIVE platform, where brokers can price loans and review eligibility.
That integration matters in Non-QM, where brokers often face a more manual and time-consuming process around guidelines, document collection, and eligibility research. Niemiec said Rocket Pro’s AI search capabilities allow brokers to search guidelines across factors such as LTV, DTI, and product type.
“There are lenders that offer Non-QM products, but again, the tech, the resource, the execution can be less than elite,” Niemiec said. “We believe we have the best of both worlds.”
The added support also comes as brokers say technology is helping speed up the loan process, but not eliminating the operational friction that still slows them down.
The nation's leading Non-QM lender, AD Mortgage, recently released a broker technology survey finding that borrower document collection remains the most time-consuming part of the process, cited by 40% of respondents, followed by guideline research at 29%. The survey also found that integration has become a top-tier expectation for brokers, with an average importance score of 8.81 out of 10 and 82.2% of respondents rating it as highly important.
Rocket Pro is also pairing the pricing and product updates with a broker playbook designed to help originators turn the offering into funded loans. The materials include email and SMS templates, social media content, printed flyer toolkits, borrower and agent templates, and scripting tied to the Non-QM and DSCR enhancements.
Niemiec described the May Power Play in three parts: extending, expanding, and enabling.
“We're extending this, double-stack pricing credit, which is just tremendous momentum right now, and then we're expanding, the playing field by opening up these Non-QM and DSCR products, but the third piece is enabling brokers to convert and win with these products through custom playbooks we built,” Niemiec said.
He said Rocket Pro is also putting AI tools in brokers’ hands, including Agent Finder, which helps brokers identify Compass agents they have worked with in the past. Niemiec noted that the Compass umbrella now includes brands such as Coldwell Banker, Century 21, Sotheby’s, Corcoran Group, and Better Homes and Gardens.
Rocket Pro is also using tools like Model Match to help brokers identify agents in specific markets who are doing the kind of business tied to these products, Niemiec said.
“So it's one thing to give price and product,” Niemiec said. “To give a playbook that enables brokers to go win that product is big.”
For brokers, the May update is less about a one-off promotion than an extension of a competitive wedge in a market where every basis point matters. The added Non-QM flexibility could also give brokers more room to structure loans for borrowers who are qualified, but not easily boxed in.
