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.

Own Up is designed for anyone who is thinking about buying a home or refinancing a mortgage. In fact, we think everyone should work with us, because there’s nothing to lose and lots to gain by shopping for your mortgage.

We help customers shop for mortgages for their their first home, as well as people who shopping for mortgages for their second homes and investment properties.

Absolutely. We can help you shop for lenders who will refinance your mortgage to take cash out of your existing property or refinance into a different rate and term.

To check the 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.

The security of your data is Own Up’s highest priority. All information transmitted to and from our website is encrypted in accordance with industry standards while in transit and at rest on our servers. In addition, we do not collect sensitive personal information such as your social security number or your personal financial documents. We never share any of your personal information without your express consent and lenders with whom you do elect to share information can only access your data through our secure environment.

Own Up works with reputable and financially secure mortgage lenders. Each of our participating lenders undergoes a rigorous screening process and agrees to Own Up’s service level standards. In addition, we share all customer feedback and reviews with our lenders.

Own Up is completely free to use. We are paid a fee by our lenders.