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Own Up Review

Own Up is a digital mortgage-shopping service that helps borrowers compare top-rated lenders, with the goal of saving thousands on their home loan. They use AI to curate personalized lender matches, empower borrowers with educational tools, and offer the service at no cost.

Who is Own Up Best for?

Own Up is ideal for homebuyers or homeowners looking to refinance who want the flexibility to shop around instead of relying on a single lender. It’s a great fit for those who value transparency, simplicity, and potential savings, and who prefer a modern, streamlined online process supported by helpful tools like an affordability calculator and rate-range finder. Own Up also caters to a wide range of property needs—whether you’re exploring a first-time purchase, a second home, an investment property, or refinancing an existing loan.

Visit Own Up ➜

Own Up, NMLS #1450805

Pros

  • Own Up uses AI to match borrowers with competitive lenders
  • Thousands of verified reviews with an average rating of 4.9/5
  • Helpful tools like an affordability calculator and rate-range finder

Cons

  • Available options depend on its lender network
  • Own Up arranges access to lenders but does not itself issue mortgages

How Does Own Up Work?

  1. Shop - You provide details about your home-buying or refinance needs via their online platform.
  2. Select - Own Up presents you with top-rated lenders matched to your needs, along with real-time rate options.
  3. Save - You choose a lender or negotiate with your current one, using the leverage gained via the comparison process.

What Do You Need to Use Own Up?

To get started with Own Up, borrowers typically need to:

  • Provide an overview of their financial situation (income, credit, home value etc).
  • Use the online tools to determine affordability and rate ranges.
  • Be prepared to complete formal lender applications once matched (income documentation, assets, credit check) since Own Up connects you but the lender actually issues the mortgage.
  • Understand that the service is free, but the ultimate loan product will be provided by the matched lender under their underwriting and terms.

Own Up Highlights

  • Average Savings – The company states that customers consistently save an average of $28,000 over the life of their loan via their service.
  • Streamlined Shopping – Borrowers can compare multiple lender offers in minutes without multiple hard credit inquiries.
  • Broad Property Support – They support first-homes, second homes, investment properties, condos and multi-family homes.

The Bottom Line

Own Up is a compelling option for borrowers who want to shop for a mortgage, compare offers, and reduce costs without being tied to one lender from the start. While it doesn’t replace the lender—it’s a gateway to them—it offers strong value for those willing to engage in the process of comparing and selecting. If you're looking for a smarter way to secure a home loan or refinance with more control and better insights, Own Up is worth considering.

Check out Own Up's loan services and get your customized interest rate today.

Visit Own Up ➜

Own Up, NMLS #1450805

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Frequently Asked Questions (FAQ)

A mortgage loan is used to purchase a home or real estate property. It involves an agreement where the borrower repays the loan over a set term, typically 15 to 30 years. The loan is secured by the property, which means the lender holds it as collateral until the mortgage is fully paid off. The borrower repays the loan through monthly payments, which include both principal (the loan amount) and interest.
Securing a mortgage loan typically takes between 30 to 45 days from start to finish. The process includes pre-approval, application submission, underwriting, appraisal, and closing. If you need to secure a mortgage loan as fast as possible, online lenders are a great option. Online lenders can process and approve loans in as little as 15 to 30 days, thanks to streamlined digital applications and quicker approval processes.
Your credit score plays a key role in determining both your mortgage eligibility and the interest rate you'll receive, accounting for roughly 34% to 40% of the decision-making process. Generally, higher credit scores result in more favorable terms and lower interest rates. If your credit score is on the lower side (around 620 or less), there are still plenty of options available. Many online lenders offer more flexible credit requirements, and applying with a co-signer who has a strong credit score can also improve your chances of securing better loan terms.
To improve your chances of getting approved for a mortgage loan, focus on raising your credit score by making timely payments and reducing any unpaid balances on your card(s). Lenders also prefer a lower debt-to-income (DTI) ratio, typically below 43%, as it shows financial stability. Saving for a larger down payment and maintaining stable employment can further strengthen your application. To speed up the approval process, ensure that all documents you submit are accurate and up to date.
To secure the lowest mortgage rates, it's important to maintain a high credit score and keep your debt-to-income (DTI) ratio low, as these factors demonstrate financial responsibility to lenders. Lenders also assess your income, employment history, and the size of your down payment when determining your eligibility. If your financial profile is lacking in one or more areas, applying with a co-signer who will share responsibility for the loan can help boost your chances of approval and possibly lead to better terms.
Pre-approval is a process where you self-report your financial details, such as income and debt, to get an estimate of how much you might qualify for without a hard credit check. It provides a personalized loan estimate and potential interest rate, helping you compare offers from different lenders and determine what you can afford. Pre-approval is a great first step before fully applying for a mortgage, as it allows you to shop around and better understand your options without impacting your credit score.
When applying for a mortgage loan, lenders will use the following documents to assess your financial health and determine your eligibility for a mortgage loan: PROOF OF INCOME (pay stubs, tax returns W-2s or 1099s) • EMPLOYMENT VERIFICATION (a letter or workplace contact) • BANK STATEMENTS (savings and/or checking account balances and other assets) • CREDIT INFORMATION (lender will conduct a credit report check) • DEBT INFORMATION (current debts and/or other outstanding loans) • PROOF OF IDENTITY (driver's license or passport and your Social Security number).
Start by researching online and reading reviews to check the lender's reputation. Then, shop around by getting preapproved with multiple lenders to compare rates. (Preapproval should not impact your credit score, it's simply a preliminary loan and rate estimate). Don't hesitate to ask questions about the loan process and fees. Local real estate agents can also provide recommendations based on their personal experience with mortgage lenders.
If you're facing challenges with your mortgage payments, there are options to explore. Many homeowners refinance their mortgage to modify their loan terms or secure a lower rate if the market has changed (though there's typically a 6 month waiting period from after you close to when you can refinance). Additionally, you can contact your lender to discuss assistance programs like forbearance and loan modification.
You should consider refinancing your mortgage when it can help you achieve a financial goal, such as lowering your monthly payments, reducing your interest rate, switching from an adjustable-rate to a fixed-rate loan, or accessing your home’s equity. It's generally worth considering refinancing if current interest rates are significantly lower than your existing rate (around 0.5% to 1% or more) or if your credit score or financial situation has improved since you took out the loan. You should always factor in the closing costs associated with refinancing before signing any paperwork to ensure it’s a cost-effective move.