To qualify for a loan modification through Rocket Mortgage, certain criteria must be met, generally based on financial hardship and the inability to keep up with regular mortgage payments. Here are the key qualifications:

1. **Financial Hardship**: You must be experiencing financial difficulties that prevent you from making your mortgage payments. This could be due to job loss, reduced income, medical bills, or other significant financial challenges.

2. **Delinquency**: You need to be behind on your payments or at risk of falling behind. However, some programs allow for proactive modifications before you’re delinquent.

3. **Proof of Income**: You must provide documentation of your current financial situation, including pay stubs, tax returns, bank statements, and an income and expense report. This helps Rocket Mortgage assess your ability to meet the modified terms.

4. **Owner-Occupied**: Generally, loan modifications are for primary residences, though there may be some exceptions for investment properties in specific cases.

5. **Loan Type**: Your loan needs to qualify for modification based on the guidelines of your investor (e.g., Fannie Mae, Freddie Mac, FHA, etc.). Different investors may have different criteria.

6. **Sustainable Financial Plan**: You need to demonstrate that a modification will help you make your mortgage payments moving forward. Rocket Mortgage will review your financials to ensure the new terms can prevent future default.

Rocket Mortgage also considers factors like the value of your home, your remaining loan balance, and your specific hardship when determining eligibility.

Rocket Mortgage does not work with third-party companies like Mortgage Help Center so you must work out the situation with them directly.