The personalized advice, lender shopping, and analysis we offer is free. If you choose to get your mortgage from one of our lenders, that lender will pay us 0.40% of the loan amount. That’s 1/3rd of what they pay their own salespeople, and the savings are passed on to you in the form of a lower interest rate and lower costs. If you don’t choose one of our lenders — but use our tools and guidance for reassurance or to negotiate better terms from another lender — then we make nothing. But that’s okay, because we want happy customers who recommend us to their friends.

Own Up is a service designed to help you evaluate lenders, choose the right mortgage, and ensure you get fair terms — we do not provide financing. Instead, we use technology to match you with certified lenders and help you compare offers and choose the loan that best suits your needs. You can lock in your interest rate through Own Up and we provide ongoing counsel until you close your loan.

No. Your Home Advisor will help you evaluate multiple choices among our certified lenders. Once you’ve found the best option for your unique situation, only then will we introduce you to your chosen lender. You will not receive email, phone calls, or texts from any of our lenders until you opt-in. After introducing you to your lender your advisor will be with you throughout the way, monitoring your loan to make sure you get the same high level of service from our lender that you receive from Own Up.

No. To determine the interest rates and terms you qualify for, Own Up utilizes a soft credit inquiry that does NOT affect your credit score. We do NOT require you to provide your Social Security Number (SSN) to use our service.