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

9 Common Homebuying Scams to Avoid

Spot 9 common housing scams and protect your credit and savings, practical tips to avoid hard credit checks, wire fraud, bogus refinancing, and excess fees.

First Home Loan

Why 3 In 4 Homebuyers Don't Shop for Mortgages

Discover 7 real reasons 77% of buyers use one lender, and how knowing them helps you shop for a mortgage smarter and save money.

News & Research

5 Lessons From Olympic Snowboarder Jonathan Cheever

Five life lessons from Olympic snowboarder Jonathan Cheever—humility, focus, training to failure, balance, and gratitude to boost your resilience.

First Home Loan

5 Signs You're Ready to Buy a Home

Five clear signs you're ready to buy a home: credit, savings, steady job and upkeep so you can confidently decide whether homeownership fits your finances.

Mortgage Advisors

How Income Affects Home Loan Approval

Understand how lenders evaluate income and DTI - what counts (base, overtime, bonuses, military), required docs, and how to boost loan eligibility.

Mortgage Advisors

How Savings Affect Your Ability to Qualify for a Mortgage

Understand how many months of liquid reserves lenders expect, which assets qualify, and how your savings affect mortgage approval.

Mortgage Advisors

Choosing A Home Lender: Banks, Brokers, Mortgage Companies

Compare banks, credit unions, mortgage companies and brokers—know costs, who services loans, and which lender type best fits your mortgage goals.

Mortgage Advisors

Closing Costs: What Is Included And How They Work

See which fees—appraisal, origination, title, points, lender credits and prepaids—make up closing costs so you can budget with confidence.