Rocket's Merger: A Trap for Homebuyers?

Rocket Mortgage buying Redfin and Mr. Cooper isn’t just big news — it’s a major red flag for homebuyers.

In this video, I break down how Rocket is now tracking your financial data through Rocket Money (formerly Truebill), watching your home search on Redfin, and controlling your mortgage through Mr. Cooper. That kind of control means less competition, fewer choices, and often, a higher mortgage rate than you could get by working with a broker.

If you're buying a home in 2025, you need to understand how these real estate mergers affect your mortgage, your data, and your wallet — and how to shop smarter before signing anything.

**Email me your Loan Estimate (LE) to [email protected] if you want a 2nd opinion

⏱ Timestamps
0:00 Rocket Mortgage, Redfin and Mr Cooper Walk Into A Bar
0:18 Why Listen To Me
0:25 How Does It Affect You?
0:46 What These Mergers Mean For You
1:00 The Consolidation Trap - How Rocket Mortgage Is Screwing You
1:43 Here Is How This COULD Play Out
2:00 What Happens When You Use These Consolidated Platforms
2:17 Can You Afford Another $300 A Month?
2:49 Domino Effect Across The Mortgage Industry - Mr Cooper
3:05 What COULD Happen During Your Home Search Now?
3:38 So What's The Alternative? Work With A Mortgage Broker Like Me
4:17 Who Is Emmett Dempsey?
4:40 The Hidden Cost Of Convenience
5:56 LO Comp Structures Reveal Tactics
6:35 Companies Have Studied Your Behavior
6:58 Your Data Is THIER Goldmine - WHY Buy Truebill??
8:06 How This Could Play Out For Clients Like You
8:32 What Can They See In Rocket Money?
8:50 The Rocket Model And Their AI Systems
9:25 How The Redfin Searches Could Lead To More Costs
9:34 Emotional Triggers They Are Watching For
9:47 Which Shoppers Shop and Which Dont?
10:37 Rocket Is Playing A Whole New Game
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🏆 My Goal 🏆

My goal is to help educate families on the mortgage and home buying process with some edutainment mixed in. 😀

I know home ownership can be life changing for a family. I know it has been for mine. Homeowners are 46X wealthier than renters. 46X! It matters. However like anything there are misconceptions and less than reputable companies and Youtubers too spreading misinformation. My goal is to give you perspective from the trenches originating loans every day.
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📱 CONNECT WITH ME 📱
Instagram -   / emmett_dempsey  
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Website - https://www.tcmortgage.com
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Filming Equipment
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Main Light - GVM 80W Portable LED Video Light - https://amzn.to/3yGgyXL
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👨 About Me 👨

My name is Emmett Dempsey, and I am a licensed Mortgage Broker working with families every day. I am a former US Army officer serving in Korea and Fort Bragg.
AIRBORNE! 🪂

This channel is about financial education related to mortgage loans to help teach families how to buy a house in any housing market and build wealth with real estate.

I talk about mortgage programs like VA, FHA, Conventional, Reverse, etc. Mortgage rates and discuss general finance and real estate market news that moves interest rates that can affect you when buying a house. I help to show the home loan process so that any first time home buyer or experienced home buyer can learn more about purchase and refinance mortgages.

Whether you are moving to Florida or any other state, I would love to help. Go ahead and reach out to me with any method mentioned above. I look forward to meeting you!

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The information on this YouTube Channel and the resources available are for educational and informational purposes only.​
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Emmett Dempsey, Mortgage Broker/Owner NMLS 208522
Treasure Coast Mortgage, LLC NMLS 1958997
Company Address - 584 NW University Blvd, Suite 711 Port Saint Lucie, FL 34986
Equal Housing Opportunity - For licensing go to www.nmlsconsumeraccess.org
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