How it worksAbout
Resources

Learning Center

The know-how you need to navigate home financing.

Explore our learning center

Affordability Calculator

Learn how much home you can afford, and the next steps to take in the process.

Affordability calculator

Rate Range Finder

Get the range of rates for your borrowing scenario across thousands of lenders.

Find your rate range

For Realtors

Learn how Own Up can save your clients time and money.

Learn more

ReviewsFAQ

Get started

Patrick Boyaggi Image

Author

Patrick Boyaggi, CEO an Co-Founder

Founder and CEO

Patrick is the Co-Founder and CEO of Own Up. He has a wealth of experience and knowledge as a mortgage executive.

Before starting Own Up, Patrick was the Senior Vice President at Leader Bank and a Management Consultant at Accenture.

Throughout his career, Patrick has helped tens of thousands of homebuyers secure mortgages in his career. Patrick is passionate about empowering people to improve their financial future using technology and data to offer personalized guidance.

Patrick holds an MBA from Northwestern University’s Kellogg School of Management and a BA from Bates College.


Articles by Patrick Boyaggi

Mortgage Advisors

How a Pre-Approval Letter Helps You Buy a Home

Secure a pre-approval that proves you're a serious buyer: know your budget, strengthen offers, and avoid hard credit hits with soft-checks.

Read more

First Home Loan

How Employment History Affects Mortgage Approval

See how your employment history, income types, and documentation affect mortgage approval—what lenders require and how to strengthen your application.

Read more

First Home Loan

How Much Mortgage Can You Afford? Budget & Calculator

Estimate a mortgage you can afford using your budget, savings, credit, DTI, rates and closing costs, plus rules and tools to plan monthly payments.

Read more

Mortgage Advisors

5 Tips to Save Thousands on Your Mortgage

5 practical tips - shop lenders, get preapproved, use soft credit pulls, and plan your down payment to save thousands on your mortgage (up to $3,000).

Read more

News & Research

Top Homebuyer and Mortgage Questions From Reddit AMA

Straightforward answers from our Reddit AMA on title insurance, refinancing, rates, and whether to buy—practical mortgage guidance to help you decide.

Read more

First Home Loan

House-Hunting Checklist: Budget, Inspections, Questions

Download a printable house-hunting checklist to spot dealbreakers, inspect inside/outside, ask key questions, and compare homes confidently.

Read more

News & Research

Raizlabs XLR8 Case Study: Building Own Up's MVP

Founder story: how Own Up evolved from an XLR8 startup to securing lower mortgage rates via direct lenders—saving one customer $500/month and 15 years.

Read more

Mortgage Advisors

Racial Disparities in Mortgage Lending: Causes And Fixes

Why mortgages disadvantage borrowers of color - causes, three practical fixes, and how Own Up's anonymous, transparent shopping finds fairer mortgage offers.

Read more

News & Research

Why Local Lenders Outperform Big-Box Mortgage Companies

Own Up got a last-minute preapproval in 10 minutes, matched local lenders, and secured a rate that saved the buyers $38,000.

Read more

News & Research

How Mortgage Companies Are Paid: Fee Transparency

We disclose exactly how lenders pay us (0.40% fee, $600-$3,000) so borrowers pay nothing and get lower rates and potential savings on mortgages.

Read more

LicensingTerms & ConditionsPrivacyJobsCompare Current Mortgage RatesCash-Out Refinance Calculator

© RateGravity Inc. DBA Own Up. All rights reserved. 2012-2026
NMLS: #1450805 · NMLS Consumer Access
RateGravity d/b/a Own Up ("Own Up") is an advertising-supported publisher and comparison service. The offers that appear on this site are from third party advertisers from which Own Up receives compensation. The compensation Own Up receives does not affect the order or placement of mortgage offers on this site. The offers on this site do not represent all available financial services, companies, or products.

Disclaimer

The information provided to you in Own Up blog is intended to be for general informational and educational purposes only and does not constitute legal or tax advice. This blog is not a substitute for obtaining legal or tax advice from a qualified professional. The views and opinions expressed on this blog are solely those of the authors and do not necessarily reflect the official policy or position of Own Up or describe Own Up's business model. Own Up makes no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability or availability with respect to the blog or the information, products, services, or related graphics contained on the blog for any purpose. Any reliance you place on such information is therefore strictly at your own risk.