Author

Patrick Boyaggi

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

First Home Loan

The 5 Dangers of Mortgage Calculators

Online mortgage calculators are widely used by first-time homebuyers, but here's what you might not know about using them.

Mortgage Advisors

How Much Mortgage Can I Afford?

For most people, home affordability ultimately depends on the answer to the question: how much is a bank or mortgage company willing to lend to me?

News

How Boston helped two bankers become MassChallenge Finalists

So how is it that two former bankers were able to leave a technologically challenged industry, launch a consumer facing technology start-up and become MassChallenge Finalists in less than 4 months? Well, none if it happens without the city of Boston.

First Home Loan

How To Make The Right Offer On A House

Making the right offer on a house can cost or save you thousands. Read this guide from a top agent to help guide you.

Mortgage Advisors

How Your Income Impacts Your Ability to Get a Home Loan

Understand how lenders consider your income with Own Up's detailed guide. Find out what matters in your financial profile when securing a mortgage. Knowledge is power - empower yourself today!

Mortgage Comparison

How Your Savings Impact Your Ability to Get a Home Loan

Liquid reserves are those financial assets that are available to you after your loan closes. Liquid financial reserves include cash and other assets that are easily converted to cash by the borrower.

Mortgage Comparison

These 5 Tips Will Save You Thousands On A Mortgage

Shopping for your mortgage can save you thousands. Learn how with these five mortgage tips.

Mortgage Comparison

How an Adjustable Rate Mortgage Could Save You Money

In some cases, an adjustable rate mortgage could save you more money than a fixed rate mortgage. Here's what you need to know.

Mortgage Advisors

Dear Mortgage Industry: We Need to Talk About Race

An editorial in The New York Times last month highlighted a recent study by the Center for Investigative Reporting. The report found that African-Americans and Latinos were more likely to be denied conventional mortgages than whites, even when income, loan size, and other factors were considered.

First Home Loan

7 Reasons Only 1 in 4 Homebuyers Shop for a Mortgage

77% of homebuyers apply with only one mortgage lender. Here's why that's not a good idea, and what you can do instead.