Own Up

We work for your best interest. We're a tech company -- not a bank -- so we can be objective about finding you multiple offers from our network of top-rated lenders. The service is free and we keep your information completely confidential -- we promise no spam. What is Own Up? Own Up is a technology company designed around people; not lenders. We offer simple online tools to help you find out if you'll be approved for a loan and how much you can borrow, while enabling you to compare lenders and actual pre-qualified loan offers from our trusted network. Because we streamline the origination process, lenders save money, which means they can offer you great terms. Own Up also gives every customer a dedicated mortgage expert who offers clear, unbiased guidance every step of the way. So how are you able to save customers so much money? The typical salesperson at a mortgage lender is paid a commission equal to 1.15% of the loan (that's the industry average). Our system allows us to go directly to the lender and provide them with everything they need without paying a salesperson. For our service, our lenders pay us a fee equal to just 0.35% of the loan amount. Because we save them so much money, many of our lenders reduce their rates for our customers. Additionally, the Consumer Financial Protection Bureau estimates that rates can vary among lenders by as much as 0.5% -- sometimes even inside a single organization. By shopping around, we're able to save our customers time and money; in some cases, tens of thousands of dollars.