Author

Patrick Boyaggi, CEO an Co-Founder

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

News & Research

4 Simple Tips for Stress‑Free Home Buying

Nervous about house hunting? Cristina found a home in one day and saved thousands — practical tips to reduce stress and lower your mortgage costs.

News & Research

Getting a 30-Year Fixed Mortgage With Nontraditional Income

Allie & Kris had complex income—Own Up matched them to a 30-year fixed mortgage, saving $17K and securing their forever home.

News & Research

Why a Real Estate Agent Uses Own Up

Real estate agent Eileen Kim shares why she trusts Own Up to secure best-fit mortgages for clients and herself, saving borrowers tens of thousands.

News & Research

Study: Homebuyers Confused About Mortgages and Bias

Survey: homebuyers are confused, fear bias, and often overpay. Own Up provides transparent, anonymous mortgage offers plus unbiased guidance.

News & Research

How a First-Time Buyer Saved $43,000 on Their Mortgage

First-time buyer saved $43,000 after Own Up found a 0.5% lower rate and helped negotiate lower interest and closing costs.

Mortgage Advisors

How Long Is Mortgage Pre-Approval Valid?

Most mortgage pre-approvals last about 60-90 days, know what can change them and how OwnUp helps refresh your pre-approval to keep offers competitive.

Mortgage Advisors

How To Shop For A Mortgage Lender: Steps & Tips

How to compare mortgage lenders: check your credit, pick the right loan, get 3+ Loan Estimates to secure better rates and save thousands.

Mortgage Advisors

Should I Prepay My Mortgage? Pros and Cons

Decide whether prepaying your mortgage will save you money or harm long-term goals—clear pros/cons, refinance vs prepay guidance, and when it makes sense

News & Research

Ethan Bernstein On Mortgage Transparency & Consumer Rights

Harvard's Ethan Bernstein on why mortgage transparency matters, how startups can help, and three practical tips to shop smarter for a better home loan.

News & Research

Why the US May Need to Bail Out the Mortgage Market

Why undercapitalized loan servicers fronting COVID forbearance payments may force a government bailout, and how that would impact the U.S. housing market.