How to Fill Out and Submit the Rocket Mortgage Third Party Authorization Form

The Rocket Mortgage third party authorization form is the written consent that lets Rocket Mortgage discuss your loan with someone who is not a borrower, such as a spouse, attorney, financial advisor, or housing counselor. Without it, federal privacy law bars the servicer from sharing your account information with anyone off the loan.¹ Fill in every field, get every borrower to sign, and send the form to Rocket Mortgage within 90 days of the signing date.

Where to Get the Form

The form lives in the documents section of your Rocket Mortgage online account. You can also request a copy by calling Rocket’s existing-client line at (800) 603-1955. If it’s easier, use the CFPB’s model third-party authorization form; Rocket Mortgage accepts that version as a valid authorization.

What to Gather Before You Start

Have the following on hand so you can complete the form in one sitting. Leaving fields blank is the fastest way to get it kicked back.

Your Rocket Mortgage loan account number, from your monthly statement or online dashboard.
The full property address of the home securing the mortgage.
Every borrower’s name, phone, and email.
The last four digits of each borrower’s Social Security number. This is for you and any co-borrower, not the third party.
The third party’s full legal name, mailing address, office address, email, and phone.
If your third party is an attorney or housing counselor: their firm name, state license number, Tax ID, and HUD counseling agency number where applicable.

Filling Out the Form

Enter Rocket Mortgage as the servicer and put your loan account number at the top. Complete the borrower section for every person on the loan.

In the third-party section, fill in the person or organization you are authorizing. Family members and general financial advisors can skip the professional-only fields (firm name, license number, whether they represent you for a workout arrangement); attorneys and housing counselors need to complete them.

Every borrower on the mortgage note must sign and date the form. If there are two borrowers and only one signs, the form will be rejected. The Gramm-Leach-Bliley Act framework requires disclosure to happen “with the consent or at the direction of the consumer,” so each person with a legal interest on the loan has to agree.¹ The third party signs a separate acknowledgment section.

Do not sign until every field is filled in. The CFPB model form says so explicitly, and your signing date starts two clocks: a 90-day window to submit the form and a one-year validity period once it’s on file.²

Submitting the Signed Form

You have 90 days from the signing date to get the form to Rocket Mortgage. Miss that window and you’ll need to sign a new one.²

The fastest route is uploading a PDF or clear image through the message center in your Rocket Mortgage online account. Log in at rocketmortgage.com, open the messaging feature, and attach the document. Digital uploads clear faster than mail because there is no postal transit or mailroom sorting.

If you’d rather mail it, send the signed form to Rocket Mortgage’s servicing correspondence address and keep a copy for your records, as the CFPB model form recommends. Call (800) 603-1955 to confirm the current mailing address and any available fax number before you send it, since servicing addresses can shift when loans move between departments.³

Once the form is processed, you should get a confirmation through your online portal or by email. If Rocket Mortgage flags a problem, such as a missing co-borrower signature, an illegible field, or a signing date more than 90 days old, it will tell you what to fix so you can resubmit.

What Your Third Party Can Do With the Access

An authorized third party can call Rocket Mortgage and discuss account details that privacy rules would otherwise block. That generally includes your current principal balance, escrow status for taxes and insurance, payment history, and loan terms.³ It’s enough for a financial planner to weigh in on a refinance, for an attorney to assess options during a divorce, or for a family member to help during a health event.

This is not a power of attorney. Your third party can look and talk, but they cannot modify the loan, sign for you, agree to a modification, or make binding decisions. If you need someone to take action rather than discuss the account, that calls for a separate legal instrument, typically a durable power of attorney under your state’s laws.

One carve-out for payoff quotes: Rocket Mortgage’s own guidance indicates a third party asking for a payoff statement doesn’t necessarily need an authorization on file. They can get one by providing the borrower’s loan number, Social Security number, and property address.⁴ Title companies and closing agents use that route during sales and refinances. For ongoing account access beyond a one-time payoff figure, the signed authorization is still required.

What Happens on the First Call

When your third party calls Rocket Mortgage for the first time after the form is on file, the representative will run a verbal verification before sharing anything. Expect questions covering the loan account number and the identifying details submitted on the form. Once verification clears, the privacy block lifts for that call and the third party can talk through the account. Later calls may involve shorter checks, but the third party should keep the loan account number handy every time.

How Long the Authorization Lasts

The authorization expires one year from the date you signed it unless you cancel it sooner.² There is no automatic renewal. If you still need access after the year is up, complete and submit a fresh form.

How to Revoke It

You can cancel the authorization at any time before it expires by writing to Rocket Mortgage. A short letter or secure message stating that you’re revoking authorization for the named third party, along with your account number, does the job. Signing a new authorization form that names a different third party also replaces the existing one automatically.² If a situation changes, such as a divorce or a break with an advisor, revoke promptly. Otherwise the third party keeps access until you act or the year runs out.

What This Form Doesn’t Cover

Two situations look like they’d fit this form but don’t. If a borrower dies, the authorization ends with their consent, and access shifts to the “successor in interest” framework under federal servicing rules, which uses documents like a death certificate and letters from a probate court rather than this form.⁵ If a borrower loses capacity, the authorization may become ineffective depending on the servicer’s reading and state law; a durable power of attorney signed while the borrower is still competent is the tool for that scenario.

1
Consumer Financial Protection Bureau. CFPB Laws and Regulations – GLBA Privacy
2
Consumer Financial Protection Bureau. Model Third-Party Authorization Form
3
Rocket Mortgage. Mortgage Self-Service Options
4
Rocket Mortgage. Paying Off Your Mortgage Get Your Quote by Phone
5
Consumer Financial Protection Bureau. Comment for 1024.38 – General Servicing Policies, Procedures, and Requirements