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Never overpay on your mortgage
Own Up’s personalized mortgage shopping service finds the perfect mortgage fit for you
Save Money
Shop like a pro. Be confident that you can beat the market and save thousands.
Save Time
Own Up uses AI to curate top-rated mortgage lenders so you can find a great deal—fast.
Peace of Mind
Let our expertise work for you. Know for sure that you won’t get taken advantage of.
Why customers love us
How Own Up works
Shop
Share details about your mortgage needs so we can personalize offers for you.
Select
Review the top-rated lenders that match your needs. See actual, real-time rates.
Save
Get a great mortgage deal or negotiate a better deal with your existing lender.
The benefits of shopping with Own Up
Customers consistently save an average of $28,000 over the life of their loan.1
Top-rated lenders across the country will compete for your business.
It’s simple and easy. A great mortgage rate is just a few clicks away.
Knowledge content, powerful tools, and unbiased advice empower you to make better-informed decisions.
No hard credit checks. No sales pressure. And our service is completely free to use!
Top questions people ask
How is Own Up different?
Own Up was created so no borrower has to overpay for their mortgage. Our AI-driven mortgage shopping service provides personalized, unbiased advice and access to top-rated lenders across the country at no cost to you. Own Up lenders issue pre-approval letters and offer market-beating loan terms. If you’re looking to buy a home or refinance an existing mortgage, start your journey off on the right foot with Own Up.
How are you able to save me so much money?
Studies from Fannie Mae and the Consumer Finance Protection Bureau show that shopping for a mortgage saves money. Rates can vary among lenders by as much as 1.0%. Own Up is a mortgage shopping service that exists to make sure you don’t overpay for your mortgage. We use AI to search for the optimal lender and take you directly to that lender, bypassing the high-priced salesperson whose commission drives up your interest rate (according to the Mortgage Bankers Association’s Q4 2023 quarterly report, the typical salesperson at a mortgage lender is paid a commission of approximately 1% of the loan or ~$4,000 on a $400,000 loan).
Are you a lender or a bank?
Own Up is not a lender or a bank. Own Up is an AI-driven mortgage shopping service designed to help customers find the right lender for their specific needs. We arrange but do not make loans.
Why should I trust Own Up?
Own Up is on your side. We make it possible for you to secure great offers from top-rated lenders that you can lock in or to gain negotiating power over your existing lender. We provide consumers with the leverage necessary to achieve better financial outcomes.