Rocket Mortgage review: Mortgage assistance program

I am concerned about this program as if I am approved they want to offer me a balance roll over to a new loan like a refinance but is not a refinance and have the loan be 40years with lower interest rates. ? I do not feel I can trust them as I was rejected back in February 2026 for the form of payment and set be 1 month behind and this was not my fault at all. I want to see if this assistance is legal? I wish all together I could take my loan else where at lower interest rates.