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

First Home Loan

Why Mortgage Calculators Mislead Homebuyers

Avoid costly mistakes: discover 5 ways mortgage calculators mislead buyers and how to get a more accurate picture of what you can afford with Own Up.

News & Research

Buying a House During a Pandemic: Pros, Cons & Advice

Clear framework to decide if now’s right to buy: weigh low rates, market risk & job security — plus free personalized mortgage quotes and advisors.

News & Research

Boston City Councilor Josh Zakim On The Housing Market

Boston Councilor Josh Zakim shares how co‑ops, policy and programs can expand homeownership and stabilize Boston neighborhoods.

News & Research

COVID-19's Impact on FHA and VA Home Loans

How COVID-19 squeezed FHA and VA loan markets - why rates and availability are rising and what borrowers with low credit or down payments can expect.

First Home Loan

Homebuying Timeline: How Long It Takes to Buy a House

How long to buy a house? Expect 2-4+ months from search to close, plus clear tips to speed it up (pre-approval, inspections, mortgage steps).

News & Research

COVID-19 Makes Home Loans Harder For Veterans

COVID-19 raised VA loan costs. Own Up helps veterans compare lenders, find lower rates and save thousands — with no hard credit check.

News & Research

Patrick Boyaggi Discusses Own Up on Creating Wealth Podcast

Own Up CEO Patrick Boyaggi shares how Own Up finds borrowers better mortgage options anonymously without hard credit checks for better financial outcomes

News & Research

RateGravity Is Now Own Up: Name Change

RateGravity is now Own Up - a consumer-first mortgage brand that simplifies home financing and helps buyers save time and money.

News & Research

Interview: Michael Hvizda, Keller Williams Andover CEO

Michael Hvizda explains how persistence, BOLD training, and community-first strategies turned setbacks into a thriving real estate business.

News & Research

Q&A: David Cotney, Former Massachusetts Commissioner of Banks

David Cotney, former MA Commissioner of Banks, explains consumer protections, local-lender benefits, NMLS impact, and practical homebuying tips.